WillisBack/dataset-financial-user-claim huggingface dataset:
Last weekend I applied for on a " Rental Application '' to move into a brand new Apartment Complex. However, once the apartment " Leasing Consultant '' ran my " Trans Union '' credit report it false noted a home " Foreclosure '' that I supposedly had either in XX/XX/XXXX or XX/XX/XXXX. I was " Denied '' an apartment solely upon " Trans Union '' credit report on me. I called up " Trans Union '' and they refused to hear me out let alone to " Delete '' the false info. on my " Trans Union '' credit report.
Citibank , N.A . advertised a promotion to open a consumer checking account with a certain dollar amount and receive a cash bonus. Citibank failed to define specific terms of the promotion to its employees and resulted in an apparent deceptive practice bankwide. This practice may have had a negative affect on individuals who receive monthly social security or other government payments. This complaint is not only for the failure to pay the advertised bonus to me but all those who were denied a bonus during the same time period ( XX/XX/XXXX - XX/XX/XXXX ). 

Here is the promotion clause in question : 1 qualifying deposit must post to the new checking account each month for 2 consecutive months after opening the new account This clause has numerous Citibank employee interpretations since it does not state when the 2 consecutive months start. 

Example : New account opened on XX/XX/XXXX and meets all other qualifications. On XX/XX/XXXXgovernment benefits are requested online to be directly deposited into the new Citibank account. Since the government benefits are paid once each month on the first day, the first automatic deposit to the new account will be on XX/XX/XXXX. ( Was not possible to re-direct any sooner as stated by government website ).

Promotion benefit was denied for failure to meet direct deposit for each month. 

Several calls were made to Citibank regarding the denial and each employee had a different viewpoint on the promotion details. I was also told if we pay you, we have to pay all the others we denied for this reason. 

Note : if you look at the promotion on the Citibank website today, it clearly states 60 days for the receipt of the first direct deposit. This was a correction by the Bank and as such, they should pay all those who were denied for their failure to make the earlier promotion clear.
I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify.  Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.
Factor Trust Credit Report Agency, XXXX XXXX, XXXX, GA XXXX, had release FALSE information to XXXX potential lenders companies ; consequently, my application for a loan were denied. Factor Trust stated I am employed by XXXX, unknown to me. Also, Factor Trust released FALSE information obtained from XXXX which contains FALSE information including address and phone numbers, and information that are more than 7 years old and not longer are required to be released to others because of the Statue of Limitations. I have faxed all these FALSE information directly to Factor Trust for a prompt remedy since Factor Trust had injured my rights to obtain credit. Other False information released by Factor Trust is from XXXX XXXX XXXX XXXX which are inaccurate. As long Factor Trust continues releasing FAlse information regarding my credit, I believe, FIRMLY, that Factor Trust SHOULD NOT be permitted to conduct this type of business.
This bank is horrible and does not want to help me what so ever they need to be shut down.
I receive several calls a day from XXXX for no reason. XXXX reveals that they call people several times a day to harass them about collections. My phone is setup to reject their calls by allowing only a single ring so I never talk to them. Even so I get several calls a day 7 days a week. As for collections, my credit is perfect with no reason to be getting any calls from collection agencies such as XXXX. 

Any help with stopping such calls would be appreciated. 

XXXX XXXX
I have a collection company " IC System '' that has been mailing me notices that I have a collection with them, but they are trying to collect a current loan that is on auto-pay with my on my credit card. I have confirmed with my credit card company that the monthly payments are going though thus I am CURRENT on my monthly loan payments! This company is trying to scam me.
I bought a house in XXXX XXXX in XXXX. It was my primary residence. I fixed it up and made the payments regularly until about XXXX XXXX at which point I called the bank to see what options were available. I explained that I was unable to make the payments any longer, that my parents were sick and that I had put the house on the market in XXXX and moved to XXXX. I gave them all the information they requested. Since then they have continually bounced me from one representative to another almost like a shell game. They did this until the information was outdated and I had to submit all new information such as my XXXX tax statements, bank statements, recent pay stubs, and an explanation why I was unable to make the payments. They would then tell me via mail that I do n't meet investor guidelines. I talked to HUD and they tell me I do! The bank assigns me another representative and we go through the whole procedure again. By now we are 9 months into this process doing this hide and seek and we start a new year. Now I must submit my XXXX taxes, bank info and an explaination why I cant make the payments. My realtor has been going through all this with me over and over again I think at least XXXX times in the past year, so my realtor tells me this week that this is going to be the last time! Today I get a letter from the bank stating that my mortgage is being transferred to another servicer! This XXXX has been going on now for a year and 8 months!
In XXXX 2017, the XXXX XXXX paid my loan to Loancare, and in XX/XX/XXXX, I asked for more help, and LoanCare did not acknowledge the payment, and was charging extra late fees and trying to get double payments. XXXX XXXX and I both tried several times to get in touch with them to get a current statement reflecting the true amount due, and payment of the previous month. The payment was ready to be sent off at the end of XX/XX/XXXX, but despite our efforts to get an updated statement, he decided to pay it XX/XX/XXXX. Yes it was late, but still they had not gotten back to us. It is the only late payment on my credit report, and I asked them via email, to please get it off my report, so I could refinance at a lower rate, so I could afford payments. If they would have just responded, the payment would have been received on time.
Upon obtaining a copy of my credit file. I notice XXXX XXXX has now added two account which I never received any mail for. I have made attempt to contacting the company but never has anyone call me. 
creditor information : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX the amount of {$1000.00} and the date XX/XX/XXXX also a balance XXXX and at the current time I saw a doctor I've always has health insurance
I sent this company a letter asking for their license stating that they are licensed in my state to collect. I asked for them to send me a calculation to prove the amount that they state is the correct amount of {$110.00}. I asked for them to send me a copy of their assignment to the debt they claim I owe.
I purchased four XXXX XXXX cards for my kids and they have not been able to use the cards. When trying to reedem the cards, they receive an error. After contacting XXXX, I still not been able to get my funds back.
My youngest daughter, XXXX, broke her wrist this past winter. During the course of her treatment, there were times that my dad, had to take her to appointments as both her father and I had to work. I filled out all initial paperwork and indicated that I would be responsible for all billings associated with her treatment. I provided our home address and home phone number as the only contact information. 

I paid all bills that arrived in the mail and thought that I had taken care of all treatment costs associated with this break. However, my dad received notification that there was a physician bill that had not been paid and it was in collections under his name. 

I immediately called the provider, now XXXX XXXX XXXX XXXX ( previously just XXXX XXXX ) to find out what happened. I spoke with a XXXX in XXXX XXXX XXXX on XX/XX/2016 regarding the matter. She noted that XXXX had tried to mail the bill for the physician to me one time at our home address and it came back undeliverable. They did not attempt any other mailings, though I received multiple other bills to our home address for this and other services from the hospital during this time frame without incident. She noted that they then tried to call a cell phone number four times without getting a response. Again, I had not provided a cell phone number in any of the paperwork associated with this provider or claim. 

I indicated to XXXX that I always pay my bills with the hospital and would like to do so with this bill. However, given the circumstances, I wanted to request that the bill be taken out of collections altogether and especially in the name of my father. Further, given the amount of the bill, I requested that I be allowed to be put on a payment schedule as I would have requested right away had I received the bill. Both requests were denied. The hospital maintains that my dad is responsible for the bill as he took her to the appointments even though I had signed as the responsible party. 

Furthermore, I signed an Authorization For Release Of Protected Health Information To Family Members Or Other Persons that specifically indicated that XXXX could disclose information related to medical conditions, diagnosis or lab reports to both my mother and to my father. However, I did not indicate that billing inquiries on the account could be directed to them. Obviously, they disregarded this request. As neither my father nor I ever received any written documentation on the matter, I do not have an account number or more specific information on the collection agency the debt was sent off to.
Every month my federal student loan payment is automatically deducted from my account. My XX/XX/XXXX payment was deducted and I noticed the amount was higher than before. I compared my XX/XX/2017 statement to XX/XX/2017 and noticed the interest rates were different ; higher XX/XX/XXXX. I never received a notice from Navient that the interest rate or the amount would change. These are the loans from XXXX
I was told I would get a refinance with no points or lender fees. I had conversations with the agent regarding no fees. When the broker sent the me the loan docs ( with no walkthrough or help ) he tried to attach {$1500.00} lender fees into the existing loan, effectively increasing the amount owed. When confronted, he became confrontational and defensive.
I have been in contact via phone call and asked them to stop calling me, my family, and my coworkers. Despite this, XXXX   XXXX keeps robo-calling as well as contacting me several times a day at inconvenient times and contacting friends, family, and loved ones. When contacting my work, me, or loved ones, they leave threatening messages discussing my debt and telling me to get a lawyer.
USAA Savings Bank, XXXX XXXX XXXX, XXXX XXXX, NV XXXX sent me an application for A XXXX USAA credit card. I filled out the information that they requested and mailed it back to them. On XXXX XXXX, 2016 I received a decision to decline my application which was purely pretext and false in XXXX of the reasons they used to decline my application including the credit score they listed. I believe I was declined because of my age and not the reasons that they listed.
Ditech switched over their computer system in XXXX 2016, which caused account numbers to change and Ditech actually delayed cashing of checks used for mortgage payments. It took close to 5 months for Ditech to straighten this out. Ditech had my account ending in XXXX ( I have XXXX accounts ) as being paid more than 30 days late in XXXX 2016, despite the fact that I actually send my payment on time every month. I have proof of this. In XXXX 2016, Ditech was still trying to correct their error when they retroactively backed out my payment that was made 3 weeks earlier and put it in escrow, therefore throwing the account in default and in the collections department. I am now in the process of refinancing several mortgages and am having difficulty with this late payment showing up on my credit report. I actually disputed with the credit bureaus, but Ditech has so far refused to correct the erroneous late payment listed. This will cost me tens of thousands of dollars more due to high interest rates because of this error by Ditech. I filed several complaints with the Consumer Financial Bureau, so this situation is well documented.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 

As previously pointed out to you, XXXX XXXX XXXX, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted within10 days. 

A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
XXXX XXXX XXXX Unverified Account
Our mortgage was through XXXX XXXX XXXX. XXXX sold our paper to NationStar. We received notice of the new name and address to send our payments to. As we were in bankruptcy at the time, we received no billing statements to show the amount due or credits being applied for 2 or more years. We had been paying {$1400.00} each month. Not once did they ever inform us that our payment amount was actually {$1400.00}. We had transposed a number and it was never corrected. Then in XX/XX/XXXX our bankruptcy attorney gets information that we are over {$5500.00} in arrears and that we had n't paid our mortgage since XX/XX/XXXX. We sent all the proof that we were paying our bills and every person and attorney that our attorney spoke with had a different explanation and amount that was due. Needless to say, we determined that it was the difference between the {$1400.00} and the {$1400.00} that had actually caused the shortages and brought our account 100 % current in XX/XX/XXXX. Now on XX/XX/XXXX we get 3 letters dated within 1 day of each other advising us that we are in arrears {$5200.00} which is money owed since XX/XX/XXXX. They are trying to steal our money and steal my home! They also claim that they are sending documents certified mail and they are not. No one signed for anything and it was delivered in an envelope with our regular mail. They are now calling themselves XXXX XXXX. They are threatening to foreclose on our property and we are not even 30 days late to them.
XXXX/XXXX/XXXX I disputed with XXXX XXXX XXXX XXXX  on the validity of debt. It was completed on XXXX/XXXX/XXXX and thus deleted. I advised XXXX and Equifax that item was deleted but they hav n't deleted it off their reports yet to date. Please help
I purchased eyeglasses from XXXX and returned them within the full refund date and received a receipt showing credit refunded back to my AARP Chase credit card for {$530.00} on XX/XX/XXXX. I gave 30 days for the refund to go back to my account. When it did not, I called the credit card company and opened a dispute. They said that they did not receive the refund. This situation has been going on since last year and has not been resolved. I received a letter stating that the account will be turned over to a collection agency on XX/XX/XXXX. I reaching out for assistance to close this situation. 

AARP Chase Credit provided a fax number, XXXX to send in the refund transaction forms. I have emailed and faxed the forms repeatedly. I continuously talk to the credit card company. I was informed that they did not receive the documents. I emailed them and faxed the receipt of return transactions on XX/XX/XXXX and XX/XX/XXXX, and spoke with Chase credit card company monthly. 

The manager of XXXX spoke with AARP Chase Card on XX/XX/XXXX and the situation was not resolved. The refund transaction clearly showed the return of receipt at store # XXXX on XX/XX/XXXX, for {$580.00}. They swiped it back to my card and AARP Chase Card said they did not receive it. 

I have been trying to resolve this issue since XX/XX/XXXX and now the credit card company tells me on XX/XX/XXXX, that I can not open another dispute and I need to call XXXX to reissue the credit.
Wells Fargo has the mortgage on my home. I have had a diagnosis of an incurable XXXX and all of a sudden have no income except my social security income. The XXXX has filed for a collection on a business loan and it appears on my credit report. Wells Fargo never gives you a reason why they turn you down on a modification, except to say there are discrepancies ; they do not allow you to explain the discrepancies. The first time I had a modification was several years ago, and that was when the investigation into mortgage fraud was uncovered. That was a nightmare, with lies, having to submit documents several times, personnel changing and having to start over. Then the only thing they did was to instead of a pick a payment, added a second lien to my property which didn't accrue interest but it was accruing on the pick a payment. These XXXX  that I talk to at Wells Fargo promise that it will only take about two days ; every time I submitted information they said they didn't get it. 
As of 2015 I was diagnosed with a critical incurable XXXX, which cut off all ability to work. I was able to keep up the payments for quite a while, but gradually fell back, until now I owe {$12000.00} to bring it current. 
I applied a year ago for a modification, and the same thing happened ; no explanations, and finally when they denied it, they said something about discrepancies, which I couldn't figure out. Their contacts don't seem to know, and when I asked, they said they have no information. 
I tried to keep up the payments, but wasn't able to ; I was able to make one payment a month, but it was still behind. All of a sudden, I get a notification on the door of foreclosure and apparently the house is in the bank foreclosure MLS list ; no notification. I can not believe Wells Fargo can continually get by with this ; they treat their customers very badly, lie to everyone, and then refuse to be accountable. I need some help. I don't know if there is a foreclosure date, ( I put NO because I don't know. )
I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
I recently saw a closed charged off account on my report that i don't recall borrowing from the creditor. {$1400.00} is the balance i saw on the account.
SunTrust bank Overdraft fee charged on XX/XX/2018 Called the customer service line Called dealt with 2 agents and 1 manager, all claiming they could not help with overdraft fee. Website clearly stated in terms and conditions *5 Overdraft and returned-item fees waived three per rolling 12 months. 
Not one of them said that was their terms and conditions, when the manager finally found what I was referring to, he told me that is only for the Signature Checking account and that it was only for 2 fees returned. I explained that it does not say that anywhere on the website and he said well I will pass along as feedback that its is wrong. He said he would not be helping me.
I have sent and call both XXXX XXXX, Transunion, and XXXX   regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and Transunion requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.