WillisBack/dataset-financial-user-claim huggingface dataset:
My ex-landlord, XXXX is also an ex work peer and she is refusing to respond to a request for a VOR so that I can close on my mortgage. In spite of the fact that I never paid her late, she has threatened to report negatively and is purposely delaying completion of the VOR due to the fact that I refused to allow her to break our 6 month lease. She requested many times to break the lease and tried to intimidate, threaten and bully me over my refusal to break it. She is now jeopardizing the successful close of my transaction and my earnest money, appraisal fees, hoa condo doc fees, inspection fees, I have had to move my things into storage and find temporary housing all due to my refusal to let her break the 6 month lease because her boyfriend was constantly breaking up with her. I have proof that I paid her on time every month any time from the XXXX through the XXXX and she is also accusing me of never having paid on time. I need immediate assistance and am also having to retain an attorney now which is an additional expense. It is my understanding that in all real estate dealings, she should be operating in good faith as I have and can not threaten, harass, intimidate or retaliate against a tenant in any manner. On XXXX XXXX, my move out date, she also sent her fiancee to the rental to try to intimidate me. I have text messages from her that confirm my claims and apparently her previous tenant, XXXX XXXX was subjected to the same behavior. The lease was only from XXXX XXXX through XXXX XXXX and she asked me to move out no less than 4 times and I can prove at least XXXX of those times through texts and that I did actually attempt to accommodate her demand although I was not required to. The XXXX demand was on XXXX XXXX ; just over a month into the lease. She is definitely vindictively retaliating against me for not moving out per her demands. She had no cause to remove me and has never posted an eviction or claimed in writing or otherwise that she did not get her rent or I assure you, as desperate as she was to move back in, she would have filed an eviction notice. I desperately need assistance and I need to to provide an honest, accurate rental verification so that I can close. Thank you for your assistance. Please contact me at XXXX or XXXXXXXXXXXX or XXXXXXXXXXXX. XXXX XXXX is employed at American Financing LLC and her phone number is XXXX, work phone is XXXX. 
Please provide a portal access, fax or email address so that I can provide proof. Thank you. 
Thank you for your assistance. XXXX XXXX XXXX
I received a call in  XXXX  from a company called  XXXX   XXXX   XXXX  . They are a debt collector hired  by Mobiloans. De spite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of  XXXX  for a debt that was  XXXX . I agreed to pay back the amount of  XXXX  in  3 in stallments of  XXXX . I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was  XXXX . I called the company to inquire about this and was directed to a man named  XXXX . He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the "  XXXX   XXXX . '' He wanted to know who signed the letter and I said it was only signed  XXXX   XXXX  but it was sent by  XXXX   XXXX . He then forwarded my call to  XXXX   XXXX .  XXXX   XXXX  was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took  XXXX . She said it 's not valid and you have to make payments in the amount of  XXXX . I said I could n't afford that, especially in the summer months as I am a teacher and do n't get paid in those months. She accused me of bouncing a check t o Mobiloans and  threatened th at I may very w ell be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called Mobiloans and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this  XXXX   XXXX  uses often. This is a horrible company and should be shut down. Thank you,  XXXX   XXXX
I was offered via mail checking account promotion by BB & T for XXXX rewards if I had certain amount of direct deposits. The deposits requirement have been met and continue to be deposited. Account was opened back in mid XX/XX/2018. I asked about my rewards and I was told it takes certain amount of time which has been far past at this time. 

The offer code was XXXX sent to me via mail and I have visited the branch as well pertaining to the issue. I also had email conversation with a bank rep few times with no solution as their marketing is still researching it. I sent my first email on XX/XX/2018 after I had visited the branch and not getting the promised contact with the resolution. Got a response on XX/XX/2018 but no solution. I emailed again on XX/XX/2018 and got a response on the same day stating the market marketing is researching it and I will be informed on the status. I have not received any updates since then so I emailed again on XX/XX/2018 and to this day I have no updates on the issue.
I recently had my credit scores report pulled and there is a 55 point difference between what experian is reporting as my credit score ( XXXX ) and what XXXX  and XXXX are reporting ( XXXX respectively ).  I called experian and a representative was unable to help process a dispute against the score reporting. Which seems excessive in terms of fair reporting. This difference seems extremely odd. I have reviewed all three reports and the same details/accounts are listed. With minor variations, however, not enough to cause a significant difference. 

When the sum of these scores are used for things like a home mortgage a significant difference like that can be irreparably damaging.
on XX/XX/2018, Chase sent me a notice that they decide to close my CSR account. I'm fairly new to the credit business but I know that closing my card with negatively affect my credit, I recently got married about a year ago, me and my family are just trying to build our credit so that we can achieve our financial goals. My wife and I are both hard working individuals with stable income. My credit utilization rate is 10 % and I use all my cards in a normal way. I respectfully ask that my card be reopen and I will stop whatever I'm supposedly doing that I shouldn't be doing.
I could not find a proper category to check off in your website ... This about Pay Pal. I was using Bill Me Later to pay for my XXXX XXXX XXXX, and Bill Me Later became Pay Pal. XXXX ended its association with Pay Pal. I now pay XXXX directly. Pay Pal continues to send me bills. They tell me I owe them over {$1000.00}. I tried to call, but they were rude. They said I took out credit with Pay Pal, and I did not make any credit agreement with Pay Pal, I only used Bill Me Later to pay for my cheap internet once a month. Pay Pal keeps sending me bills! Please help me get Pay Pal off my back! Thank you!
My home was foreclosed on XX/XX/XXXX by M & T Bank. I had a " Get Started Loan '' with them I found information that they have a law suit against them with this same kind of loan and during the time my home was in foreclosure the lawyers that was handling case also had a law suit against them and I was not notified of this information, only that they changed there name, XXXX XXXX XXXX now The XXXX XXXX XXXX. I am asking for my loan to be looked into from XX/XX/XXXX to XX/XX/XXXX. 
Thank you, XXXX XXXX
Original dispute case number XXXX Describe what happened so we can understand the issue ... 
I Have opened multiple credit disputes with XXXX # XXXX, XXXX and XXXX and others for the creditor XXXX Hospital for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently Optimum Outcomes. 
I am currently making payments thru XXXX Law Offices in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX Law Offices who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX Hospital, doctors, clinics or services rendered on the day I received service XXXX or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my XXXX Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on XXXX for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead Optimum Outcomes charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with XXXX after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX Law offices, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised XXXX of additional charges saying that balance XXXX reported on my report was wrong and the balance was then adjusted and XXXX allowed then to add more charges. Most recently, XXXX as of XXXX/XXXX/15 has allowed Optimum Outcomes to report the same {$5200.00} for XXXX Hospital, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who Optimum Outcomes was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX Hospital with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount. 


Consent to publish the description of what happened? Consent provided
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.
XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax.
I was notified by a company that I previously worked for that the county sheriffs requested them to attach my wages. When I contacted the lawyer, I was told that it was a bebt from 2008, and that XXXX had a court order against me. I have no clue about what they are talking about! And why after 8 years are they are they bothering me. WHY HAVE NOT I HEARD ANYTHING FOR 8 YEARS
I had couple transactions that I disputed due to the merchants error and funds being debited out without the merchandise being delivered to me. I've tried to contact the merchants for the first couple months in attempts to resolve the problems myself, however, which did not work out. Thus I disputed the charges that were wrongly debited out of my card. I was told that I was well within my rights to dispute the charges in order to recover the funds. Surprisingly, today I am told that the disputes fell out of the time-frame as I disputed the charges " too late ''. I'm frustrated as I was told that I could dispute the charges within 6 months after the charge is posted. I spoke to claim department agent to get some help but the agent couldn't help either. I've sent a couple faxes but no responds. I can not afford to lose the claims as the charges are more than {$900.00}. The dispute claim numbers are # XXXX, # XXXX, # XXXX. Please reconsider the claims and help me out. 

# XXXX - {$950.00} # XXXX - {$920.00} # XXXX - {$1100.00}
In XX/XX/XXXX, I began to pay attention to my credit and noticed that there was an account I did not open with XXXX XXXX with a balance of {$950.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent letters to XXXX XXXX requesting that they validate the debt and send proof bearing my signature or remove the debt from my credit reports. I did not get a response but soon after ( XX/XX/XXXX ) I  received notice that the debt was sold to XXXX XXXX who soon after ( XX/XX/XXXX ) has hired XXXX XXXX XXXX to sue me for this debt. I have requested they they validate the debt as well and they sent me three statements that none of which had my accurate address and none had my signature. I did not open this account as I was caring for my father who lost his battle to XXXX in XX/XX/XXXX. This is unacceptable and unprofessional.
BB & T received an electronic payment on my account. On at least XXXX occasions, they took excessive days to post the payment, making the account past due and thus charging a late fee. XXXX instance was 9 days ( 6 business days ) ; the other was 13 days ( 8 business days ). They refuse to waive the late fees saying it takes several days to post payments.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX XXXX/XXXX/XXXX
The Social Security Office mistakenly marked me as deceased in XX/XX/2018. ( I am not in fact dead. ) I went to the local Social Security Office in XX/XX/2018 ( when I was notified about the issue ) and got my status fixed. However, Discover Card refused to remove my 'deceased ' remark from my account without a formal letter from the Social Security Office . I actually asked the Social Security officials about it when I was there and they told me that they do not send letters ( specifically to companies about notifying them that I am alive. ) Discover Card was adamant about keeping me 'deceased ' on their records, and out of frustration, I gave up on dealing with them. I paid off the remaining balance on the credit card ( though I am pretty sure that I did not actually need to since they have me as 'deceased '. Who has heard of a dead person paying off bills? ) Discover Card said that they had me as deceased and the account closed. 

Fast forward to this year, I started noticing negative remarks on my credit score reports due to this Discover account. Apparently, since I am deceased in their records, my account is now 'delinquent '. This has wrecked havoc. I contacted the Discover Card office today they were still adamant about needing to receive a letter from the Social Security Office reiterating that I am not deceased. Clearly, once again, I am not dead. I even paid of my outstanding balance last year yet I still have this account as 'delinquent ' on my credit score reports. 

Discover has been the only bank that I have had such issues with regarding the Social Security Office error. When this happened to me with my other banks, I had those issues resolved relatively quickly and with no need of a 'letter from the Social Security Office '.
I bought a car and was financed through credit acceptance lender in XXXX in XXXX, NY. About 3 months after purchasing and making my payments on time, I was leaving from work and the vehicle did not start. When I called credit acceptance they told me I owed them {$100.00} but could not give me details as to why I owed, and told me that the car was disabled until u paid it. This was the beginning to my problems and I was paying {$450.00} for a XXXX XXXX. As time went on and I continued making my payments..there were times in which I did not get paid until 3-4 days after car payment was due, and my vehicle would be disabled and put into repossession mode in which they could pick the car up and charge me the fees it would cost for repo as well as the car payment. If this company is suppose to help build credit, why are they allowed to continue to charge fees at ridiculous rates to keep people or worsen their credit building process. Im so confused, because this should be illegal. Furthermore I have had my car repossessed, even when my car payment was made on time and the vehicle was n't even disabled! When I called credit acceptance with the repossession guy awaiting to see what was to happen, they said that the car was in repossession. So the guy took the car. I called back later that day after checking my bank statements and reviewed in fact that my payment was made, they told me it was a mistake on their behalf and went on to tell me that I was still responsible for the repo fees of {$250.00} in order to obtain my car back. This was it for me. I paid the {$250.00} and started looking for another vehicle and the following month did a volunary repossession. Now they have been trying to sue me for the difference of {$6000.00}. Retail price at purchase with the {$10000.00} interest rate was {$28000.00}. I drive the car for 3 years and paid off over {$16000.00} for a car worth {$10000.00} initially. I feel like something needs to be done because this company is ripping people off in somewhat a legal way, but faces itself as fraudulent. I just want them to call it even and stop jeopardizing my credit that I have been working so hard to clear up.
I froze my Equifax info since they obviously can not be trusted with my personal information. Today, I needed to lift the freeze temporarily to conduct business - just allow a bank to pull a credit report. To start with, there are no phone numbers or email/chat numbers for communication provided for what I needed. Then, the representatives sound like they are all from the XXXX ( which is fine ) and have questionable command of the English language ( NOT fine ). After a 17 minute wait, which is eternity for a working person, my first representative told me that it would take 15 minutes for my bank to access the report. I get a call 2 hours later and this has not happened. I call back. Another 17 min wait and then a 3 min wait. The representative continued to get stuck on the duration of the freeze lifting - initially told to me for " 24 hours, '' but which is apparently 48 hours. Fine. I just want the bank to have the report. I repeated myself 3 times. Then he says it takes 10 min to 24 hours for the freeze to be lifted. Since the second guy did n't understand what I needed the first time, I am still not clear on whether he means that it could take 48 hours to lift the freeze and whether the freeze is temporary. I do not have the time to sit on hold a third time. 
1 ) I did not ask Equifax to monitor my credit 2 ) I do not want my personal info spread all across the globe and blame them for not protecting my information. 
3 ) Companies mess up. I accept that. But now they need to make it right. They need to provide adequate assistance to communicate with the company, which means providing easy to locate telephone numbers and adequate representatives to make things right. There is also no excuse in the digital age for it to take 24 hours to allow me access to my report. 

I feel completely powerless in this situation, which I have absolutely no say in. With great profit and power comes great responsibility. When are you going to protect American consumers.