WillisBack/dataset-financial-user-claim huggingface dataset:
I left an apartment complex ( XXXX ) a month early in order to move to better and more affordable housing in 2012. I had a deposit still held by them. I told the office of my need to leave and established the date I would turn in my keys. They had my phone number, email, and forwarding address and agreed to contact me with any remaining balance owed. I received no communication from XXXX nor IQ Data International, who this was immediately sent to collections with ; I had no notice before it appeared on my credit report and no ability to pay before this derogatory item appeared on my credit report. Since then, the balance has seen a 50 % increase in " fees. '' I recently disputed this with an online form through the credit bureaus, however it was not understood and all IQ Data International did was send in an itemized list ( which I saw for the first time ) from XXXX and fees without itemization from IQ Data International. 

I am disputing and suffering from two deceptive practices. The first, is that I never was contacted in advance of any collections and negative reporting. Second, astronomical and unexplained fees have been levied by this company as a direct result of the first.
I applied for a loan with QuickenLoans through their so-called " XXXX '' platform. I was quoted a rate on the first day and requested getting locked in. It took Quicken weeks to eventually tell me that I do not meet their underwriting guidelines, even though my loan rep continuously conveyed optimism that I would be approved. During those several weeks, rates climbed at unprecedented levels. I strongly suspect the decision to decline had more to do with the climbing rates and Quicken 's failure to lock in my rate.in other words, they did n't want to absorb the cost of their failure to hedge and declined me instead. 

Even if that is not the case, I lost several weeks thinking I was getting approved and was locked in. Now, with rates likely to continue to rise, I 've lost the opportunity to refi and their incompetence will cost me XXXX of dollars!
I was two months behind on my mortgage. I did not make a payment for the month of XXXX or XXXX. However, I made my payment on XXXX XXXX, 2015, in the amount of {$3700.00}, which included late fees. Since I was two months late, I have no problems paying the penalty. However, I refuse to pay a late fee, when I am not late with my mortgage payment. I received my XXXX 2015 bill with a late payment XXXX in the amount of {$42.00}, for my XXXX payment. I made my full payment of the entire mortgage that was owe. Per my mortgage contact, I have a 15 day grace period in which to make my payment, before it is considered late. Making my mortgage payment on XXXX XXXX 2015 is not considered late per my mortgage contact, when in fact, my payment included all of my late charges for the month of XXXX and XXXX. Like I have stated in the past, I will not make my payment until I have to, which is on the XXXX day of each month. If I pay after the XXXX, its on me and I will pay the late fee. I am not going to pay late fees when in fact, I have not made a late payment. 
Additionally, I am receiving harassing telephone calls everyday at least XXXX or XXXX times per day and no one leaves a message. I refuse to be harassed by telephone calls. If the calls are important leave a message and I will return the call, otherwise, I want the harassing telephone calls to cease and desist as the calls are to annoy and harass.
I have received statements from Green Tree Servicing with conflicting account balances for the last 2 years. I have yet to get a correct statement from Green Tree Servicing. I have attached all of the documentation to prove that I have been making my payments and also that they have been calling my neighbors and informing them of the status of my loan.
In accordance with FCRA & 650B paragraph ( a ), Transunion is required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Transunion delete these accounts from my good credit record in accordance with FCRA & 605B paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Transunion remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
I have a Money Network card through XXXX XXXX. I 've had the card for about 6 or 7 months. I had direct deposit through my previous employer with no problems. I have even loaded money onto the card through XXXX with no problems. 
I am at a new job now and have direct deposit set up going to my Money Network card. 
They froze my account and wanted me to verify my identity. I faxed the documents they requested which was my I.D . then wait 48-72 hours for their compliance department to process. 
After waiting the 72 hours, they said they never received anything. So I faxed again. 
This time I faxed I.D., social security card, check stubs. That was Friday X/XX/2017 so I had to wait over the weekend and then the full 72 hours. 
Now they are saying they cant read my I.D . and I need to re-fax for a third time and wait 72 more hours. My paycheck is sitting there froze.
I have been struggling for 6 years to lower my payment. They want something over 1000 a month, not only have I not found a job since i graduated but no one wants to hire me because of this college. Its embarrassing. Now they are demanding money.
Equifax has suppress an auto loan and has made excuses not to add the account to my profile.
Good day, this is XXXX XXXX. I received an alert today from XXXX stating that Southwest Credit Systems has filed a Collection/Chargeoff on my credit files. I contacted Southwest Credit Systems and spolk with a lady named XXXX. She was very ruled and stated that she did not have me in her system but kept asking me for my Social Security Number. I never received any notice or infromation from this company letting me know that I have an outstanding bill. XXXX was threating me with filing a Court Case and stated that she will continue to keep this account on my files.
The Dime savings bank denied a loan because they claim we were 13 months late with mortgage payments. We explained that we were in the HOPE program to refinance with the government through their affordable housing program and part of getting accepted was that we were no allowed to make payments while in the process of negotiating a new loan. this was not supposed to hurt our credit in anyway but it did!
I found out Pay Pal Credit ; or XXXX/PPC as it shows up on my hard hit credit inquiry, has done an unauthorized hard hit credit check on my credit report. When I contacted them they stated it was done for an online credit account on XXXX XXXX, 2015. I never authorized this nor have I applied for any such credit. After searching out information on the internet I discovered XXXX reports by others for this exact same problem. Also my spouse and I discovered he had the same inquiry done on his credit report XXXX XXXX, 2015. He never applied for nor authorized such a line of credit either. Both of these hard hits showing through XXXX.
Chase bank closed my account at XXXX XXXX XXXX, no notice, no written notice, nothing, app still looks like my account is fine, they will not let me withdraw my money ( yes balance is positive ) nothing. Husband went to branch, they said 'we have the right to close your account, we are not telling you why ' we asked if we could have money for food, no, we have a XXXX year old who had nothing to eat.
Opened XX/XX/2016 account closed because I switched carrier. And they reported a derogatory mark on my credit history report. I wasn't notified this was going to affect my credit history because if I was u would of made sure I set up some sort of payment plan to avoid bad credit.
There is an account open with Bank of America reporting as a negative item on my credit report since XXXX. It says this account was open in XXXX. My wife and I had another account with Bank of America open in XXXX, therefore we were making payments to every account we had for a few months to attempt to get out of our debt without claiming any bankruptcy. During this time, we researched all of our documentation that we had saved for 10 years and did Not Have a second account with BOA. We have been asking for verification of the signed application showing I opened this account and our requests have been ignored. It is reporting as a major negative on my credit report. I have filed complaints with the credit agencies. We have worked hard to pay XXXX of credit card debt on our own without assistance and want to refinance and starting saving money. This is not possible with this negative account being continually ignored. How can we better ourselves if we ca n't get the creditors to do their part?
On  XXXX   XXXX , I called Chase Bank asking to use th e Stop Payment Service on two  incoming charges of {$650.00} and {$430.00} from  XXXX , an online service company. I was worried about the money because I saw some negative reviews about  XXXX  and could n't find a way to contact them. The  Chase  representative reaffirmed me that as long as I gave them the correct amount, Chase would reject any payments matching that amount regardless what other names  XXXX  might use.  <P/> On  XXXX   XXXX , I called Chase to cancel the Stop Payment and if I could get a refund for the Stop Payment fee that was charged. The representative refunded the fee. And I was aware that even if Stop Payment is canceled, it would still be effective for  one day, so the two p ayments would n't be charged until  XXXX   XXXX . And just to be safe, I deposited an additional {$1000.00} at  XXXX   XXXX  into my account for any unexpected issues. However, I found out later that my account had an overdraft fee of {$100.00} because of the two payments of {$650.00} and {$430.00}. If the payments were charged like what was promised on  XXXX   XXXX , there would be no overdraft.  <P/> On  XXXX   XXXX , I spoke to Chase, they refused to refund the entire {$100.00} due to the courtesy limit and insisted that no mistake was made on their part. I explained my situation t o   XXXX  , t he supervisor, she was just as frustrated as I was. And told me that they will listen to the types to see if I was telling the truth.  <P/> I feel extremely disappointed in Chase. Used to think that Chase was the better bank. Now, or maybe I was just wrong,  Chase  like the others will look for ways to reach in your pockets for fees. I really want to know what happened to the overdraft fee ban. Can a bank just be a bank? And not act like a government entity constantly seeking ways to punish people financially.
XXXX XXXX is reporting a remark on my XXXX, XXXX, and Experian reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you
Not enough information of validation of debt. I contacted MIDLAND FUNDING through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$600.00} }, however I do not owe this debt and know nothing of it. MIDLAND FUNDING appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report
During the month XXXX 2015, I spoke with XXXX XXXX regarding a pre qualification mortgage loan ; before the interview via telephone I asked XXXX XXXX would this application appear in my credit file as a hard inquiry, XXXX XXXX assured me that the pre qualification by law must be labeled as a soft inquiry. In XXXX of 2015, I learned that XXXX XXXX had in fact completed my application as a hard inquiry ; which is not what I requested for him to do! I called into ALS to request that the company remove this inaccurate inquiry due to federal regulations regarding pre qualification mortgage applications, the company executive director XXXX XXXX stated that they would not remove this inquiry despite the fact the they were in federal violation of the mortgage pre qualification statue! I then proceeded to question why my pre qualicifation application had been denied due to a poor score ; according to the XXXX XXXX. XXXX XXXX. XXXX consumers are not to determined creditworthiness based off a poor XXXX score, especially if the actions of negative trade line credit reporting was due to financial difficulties or id theft occurrences. XXXX XXXX stated that her company does not have to comply with this federal statue. This company has currently been under several investigations due to mortgage discrimination, the original loan lender who completed my pre qualification application has been fired due to unethical lending practices.
This complaint is a follow-up complaint to my original complaint filed last year. All details around this complaint can be found under the following reference number : XXXX My Private student loans are currently serviced through Navient. Throughout this entire process I have received inaccurate information on multiple occassions. Inaccuracies have been received around the payment due, payment amount and forbearances placed on my accounts. I have consulted with Customer Service on NUMEROUS occassions and it seems that the only time I receive any progress to correct information on my account is when I file a formal complain with the CFPB, so I am moving forward with this complaint for the second time. I have provided details of my encounters below and would like your assistance with getting this resolved to ensure that my account is secure and accurate as well as to ensure that my credit score is not impacted by these inaccuracies.

I have identified the following issues with my account : 1. Forbearances placed on my account without no notification to me and without my permission. In XXXX, I requested a forbearance while trying to work with Navient to come up with an affordable payment option and I was advised that I used all of my allowed forbearance for this particular loan. I was notified that I utilized my forbearances from XXXX to XX/XX/XXXX and with this I am no longer allowed to request a forbearance. However, I did not request a forbearance at this time, and Navient should not have placed a forbearance on my account based on the actions they took to resolve my initial complaint from last XX/XX/XXXX under the following number : XXXX. From the representative I was advised that it was recorded in the system as a customer requested forbearance, and I did not put a request in for this. Due to the mistakes made by Navient employees, last year I am still being impacted. Please assist me in resolving this matter with Navient. 

2. Inaccuracies/ mis-information on my account : I am not sure what the actual amount is that I should pay at this time, as I checked my account online and the payments were showing at XXXX dollars for the months of XXXX and XXXX. When I called in to confirm my payment amounts for the month of XXXX, I was advised that it was showing at XXXX, however the agent would investigate and give me a call back in a couple of days. No one ever contacted me back. After a couple of days I checked my account online and it shows that I am now behind 60 days for over {$1000.00}. For your record I have attached a screen shot of my account taken on XX/XX/XXXX at XXXX owed for the month of XXXX 's bill date of XX/XX/XXXX. These constant inconsistencies are causing undue stress since I get different information every time that I call into the 1800 number. I am working very hard to get a handle on my student loans and have been making payments monthly and would like your assistance in getting this matter resolved.
Ocwen Loan Servicing is not giving me the proper documentation so that we can go to closing.
They send warrent and summons threw my email ; they threaten to have me prosicuted in the highest court for bank fraud.I never got a loan my account was hacked 3 years ago i then was told by the bank to get a new account im still getting threats
HELLO. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX METAL FILLINGS IN MY TEETH. I JUST WANTED THESE FEELINGS OUT AND REPLACED WITH COMPOSITE FEELINGS. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED CROWNS AND ROOT CANAL. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR ROOT CANAL AND CROWN 'S. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS XXXX XXXX MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS XXXX XXXX AND I HAD REPAIR BILLS FOR XXXX OF THE CROWNS I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN ROOT CANAL. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED XXXX XXXX AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY ROOT CANAL. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE FILLINGS HE HAS DONE NEEDS CROWN AND ANOTHER XXXX CROWNS NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE CROWNS BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES CHEWING ON ALL OF THE TEETH HE HAS WORKED ON.
I have a checking account with BBVA Compass and they are CONSTANTLY charging me excessive overdraft fees. I have paid a few thousand dollars JUST in fees because they often are slow with my deposits showing up and the money shows up as not being there. I am not even enrolled in any kind of overdraft programs and I specifically asked not to be added. I would like a refund of as many of these excessive overdraft charges as possible.
I filed a dispute with Experian XX/XX/XXXX for inaccurate information showing up on my credit report for XXXX XXXX XXXX. I do not understand how XXXX/XXXX are not reporting this account but Experian do and carry a balance of {$3.00}, XXXX. XXXX XXXX is reporting incorrectly as well due to a balance of {$6000.00} on Experian and for XXXX / XXXX is showing a balance of {$0.00}. XXXX XXXX XXXX XXXX shows 130 dsys late on Experian XX/XX/XXXX but XXXX   don't report it and XXXX  report me being 120 days late XX/XX/XXXX. Since XX/XX/XXXX I been fighting to REMOVE inaccurate information off my report. I just received a letter from Experian stating they will not reinvestigate.
I obtained a Care Credit card in 2007 at the vet when my pet was XXXX. The interest rate was supposed to be reasonable and I had a small income that should 've covered the payments. Later on I had my own urgent health issues that were n't covered by medicaid. I lost my job and my financial aid ran out. Someone I knew took my XXXX card and used it without my knowledge. I was homeless and my ex threatened me to keep me from applying for child support. I explained my situation to the Care Credit representatives but their only response was to raise my interest rate to 29.9 %. I made payments on the debt but the amount owed only increased. My credit was ruined and I was forced to file bankruptcy because after 8 years, the Care credit was still on my credit reports several times.
I received two letters from Chase : 1. After recent review of your accounts, we have decided to end our relationship with you. 2. We 're writing to let you know that we will be closing your credit card account on XXXX XXXX, 2016 because continuing the relationship creates possible reputational risk to our company. Upon calling the XXXX number listed, I was unable to find out the reason for the review or for deciding to close my accounts or credit card. No information could be given. I have no bounced checks, the is no inactivity, there is plenty of money in the accounts.
Equifax did not have adequate security in place, and leaked my SSN and now they want me to pay for their service to prevent identity theft that they made  possible.
On XX/XX/XXXX, I opened a Citibank account to take advantage of a checking account bonus offer. I funded the account with XXXX dollars on XX/XX/XXXX, and I maintained this balance for 30 days per the terms and conditions of the promotional bonus. 

XX/XX/XXXX, I contacted Citibank because I had yet to receive my bonus. An investigation was initiated and by XX/XX/XXXX I was told that I had completed all the requirements and I need only wait until XX/XX/XXXX ( 90 days after the initial 30 days ) at the latest to receive the XXXX dollar bonus. I did not receive my bonus, and I contacted Citibank again, who initiated another investigation. 

A few weeks later, I was told again that I had completed the requirements for the bonus, but now I was told that I had not submitted the necessary tax documents, XXXX, and I should contact the branch where I opened the account. I had submitted the tax documents XX/XX/XXXX, but I contacted the branch to correct the tax information and submitted the documents. This was done on XX/XX/XXXX. 

After another week of waiting, I was told by the branch manager through email that I would need to wait an additional 90 days to receive my bonus. I immediately responded to inform her that the terms and conditions and tax letter I received made no mention of any requirement to wait an additional 90 days. The branch manager has yet to respond even after I have contacted her three additional times. 

The branch manager and bankers at the branch refuse to speak to me. This is unacceptable. Citibank has violated its terms and conditions regarding this bonus, and I expect full credit of the XXXX dollars immediately.