WillisBack/dataset-financial-user-claim huggingface dataset:
My Dad passed away in XX/XX/2016, He was XXXXyrs old in a XXXX XXXX.while there he asked me to have a lawyer to come there in order to do his will which I did but during the process he went into a XXXX   and died. I notified his bank ( Citibank ) and sent them a copy of his death certificate.to customer services in XXXX XXXX Tx. They in turn told me I had to contact the branch where he had his account which is in XXXX. The manager said I had to go to Probate court for an affidavit which I did and had it notarized. After waiting over 1 month for a response to hear from them, I called and was told that I have to get a different form and come into their bank. I explained I am a senior citizen don't travel much anymore and there is no Citibank here in Ga. Or send the samr documents back to XXXX XXXX Tx . They have been giving me the urn around for over 2 yrs. My Dad '' s name was XXXX XXXX.This affidavit which was given to me from the Probate court states that the institution to pay the amount of the said deposit up to {$10000.00}, my Dad has {$5400.00} in the account.
XXXX of 2016 i decided to refinance my 15 year mortgage to a 10 year mortgage with Homebridge Financial Services, lowering my rate from 3.5 % to 2.75 %. The loan officer locked the rate and started the process of refinancing. I paid {$650.00} upfront for an appraisal on the property. Over the next four months I sent in all of the documents requested to Homebridge. Unknowing to me, the rate expired and no one notified me of this so I could make a decision early on to move forward or not. I finally get a call at the end of XXXX 2016 to tell me that they did n't think that it would be beneficial to me to refinance now that the rates had gone up. I am requesting that my {$650.00} be refunded to me due to the incompetence of this company. Thank you, XXXX
In 2012 I set up a temporary account for a one month rental we had at a house in XXXX XXXX XXXX, GA, just outside of XXXX. I closed the account after we moved out and paid the bill fully. Someone else moved into the house a month late, activated the account and then never paid the bill. 2 years later I got a bill, filed a complaint to XXXX and then they handled the dispute for me and said it was all taken care of. 

Two weeks ago I applied for a mortgage to buy my first home and my mortgage broker let me know that there was a negative file for " closed '' dispute on my file for XXXX for XXXX. I have called, emailed, called, emailed and have gotten no response from XXXX. 

This is significantly hurting my score and lowering my approval process on my loan. I am really upset that someone was able to use my identity, get this account set up and then after hours and hours of calls on the phone with XXXX I was told it was all handled and now 2+ years later its effecting me negatively. 

PLEASE HELP!
I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on XXXX occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on XXXX occasion. On XXXX other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately.
On both XX/XX/2018 and XX/XX/2018 there appeared two hard credit inquiries on my Equifax credit report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Upon being notified of the first hard inquiry from above company ( on XX/XX/2018 ), I put a temporary freeze on my XXXX, XXXX, Equifax, and XXXX reports. Additionally, I reported this to Equifax through their online dispute center. 

Then, as stated above, on XX/XX/2018 another hard inquiry from the above company appeared on my Equifax report, again. Upon seeing this, I placed a total 1 year fraud alert through Equifax which should trigger a notification to the other credit agencies automatically. Additionally, I disputed this second hard inquiry through the Equifax online dispute center, again. 

I do not currently use XXXX XXXX XXXX as a provider, nor have I applied for any of their services. 

Through a quick XXXX search, I have found many people claiming, on the XXXX XXXX XXXX forums, that they have experienced something similar in the past few months. People have described this exact issue, and have stated that the credit agencies have sent them to XXXX XXXX XXXX to resolve it, and XXXX XXXX XXXX sent them back to the credit agencies. 

This seems to be a cycle, that neither party, the credit agency nor the telephone company, want to take responsibility for. I really hope that through reaching out to you, swift action can be taken to have both of these hard inquiries, removed from my credit report. 

Thank You!
I signed a one-year contract for gym membership in XXXX XXXX. At the time of signing, the XXXX XXXX account manager informed me that I could call prior to XXXX XXXX to avoid auto-renewal for general membership. I signed a one-year contract for training in XXXX XXXX but was never informed that the auto-renewal clause also applied to my training contract, which was signed separately. 
In XXXX XXXX, I moved outside of the contractual XXXX mile range. I called the gym in XXXX to cancel early, according to the out-of-range clause. I was told that I needed to send a notarized copy of new lease, via certified mail, to prove that I had moved. In the same XXXX phone call, I communicated to the XXXX XXXX Gym Manager that I wanted to cancel my contract at the end of the agreed 12 month term. I was told that a note would be added to my account and that my account would not auto-renew in XXXX. 

I noticed at the end of XXXX that I was still being charged. So, I called XXXX XXXX XXXX Gym to request refunds of the unauthorized charges in XXXX XXXX - XXXX XXXX. They claim not to have record of my conversations with associates in XXXX XXXX and I was told that no refund would be given since I had not formally canceled. 

In XXXX XXXX, I was directed to XXXX XXXX for " formal cancellation ''. XXXX XXXX informed me that they are NOT able to cancel my contract because the training portion needs to be cancelled in person. XXXX weeks later, my work schedule permitting, I made the XXXX+ miles drive to the gym location to sign the training cancellation form in person. I then was able to call XXXX XXXX and finish cancelling my gym membership contract. 

In XXXX XXXX, I disputed the charges via XXXX Bank. Within XXXX weeks of my claim with XXXX, the charges were investigated and permanently refunded to my account. 

At the end of XX/XX/XXXX/Begin XXXX XXXX, I began receiving calls for overdue account balances from XXXX separate entities. The XXXX entity identified themselves as lawyers collecting debt on behalf of XXXX XXXX. Aldous Lawyers are not, however, credited lawyers in Texas ( location of original debt ). They also sent an " attorney letter '' that fails to match the amount due that was quoted over the phone. The associate at Aldous & Associates XXXX threatened to " send my information to credit reporting agencies at any minute ''. He later admitted to me that they " work for '' XXXX 's Gym and are not actual debt collectors or credit agencies. 

XXXX XXXX claims to represent XXXX Gym 's personal training contracts although I have never seen or heard mention of their business name in any contracts I signed with XXXX Gym. They inform me that as of end-XX/XX/XXXX my account remains open ( despite having my cancellation paperwork on file now XXXX. This firm will not acknowledge my dispute of the charges via phone or email but refuses to send to me via mail a formal invoice of the alleged charges. 

I have been putting good faith effort into avoiding auto-renewal of my contract since XXXX XXXX. XXXX my contract term ended, I made good faith effort to promptly cancel my contract to avoid the unfair extension of the pre-determined contract term.
on XX/XX/XXXX I made a payment of {$2700.00} to Discover student loans to pay off my student loan. On XX/XX/XXXX the money was puled out from my XXXX XXXX account for the amount of XXXX Discover student loans only applied the payment for {$50.00} I called and they said it would be resolved. 
I have been calling Discover for 2 months to get this problem fixed. At one point, they even sent me a letter and applied the payment on XX/XX/XXXX, On XX/XX/XXXX they reversed the payment, saying that maybe the money was sent back to me via ACH. I sent them copies of my bank statements proving that it had in fact not been sent back to me. 
I spoke them them again of the many times, they said they found it and they now a system error was preventing them from applying the payments. 
Every time I call I have to explain the whole thing over, I have spent a grand total of 8 hours on the phone of two months trying to get this resolved, that is a full day of work, not to mention the emotional distress, I've been hung up on, calls not returned, interest not earned on money in my saving account.
Experian has been reporting a bankruptcy on my credit report for quite some time. I have sent them correct information with requests to validate and verify with the US Bankruptcy Court of XXXX  Illinois and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 & 623 of the FCRA. Experian 's response was a claim  that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the Bankruptcy court requesting to see this information that Experian claims to have verified. The Bankruptcy court sent a letter stating that they DO NOT perform ANY activities with the credit bureaus. I sent that letter to Experian explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 ) the information they are  reporting must be deleted. I called Experian on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a gentleman named XXXX from Arkansas on XX/XX/17.  XXXX was informative. He claims that Experian verified the information ; although, company policy could not let them share the alleged verification due to company policies. He stated that the info was viewed from a website but could not comment nor verify to the accuracy nor the source of the alleged website, which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ). I have notarized documents that  Child Support Enforcement has in their possession, which shows they have reported inaccurate information. So I am very confused how Experian can certify and still report this inaccurate information. 

I have been attempting to resolve this matter with Experian through mail, phone calls and various documentation and have not had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!
While trying to reset my password, the website attempted to request additional credit without my permission. I then found a hard inquiry on my credit report. After bringing the issue to the attention of the company, they refuse to acknowledge that there is an inquiry on my credit and continue to send me the same responses. I have sent photos to them, but they still respond with the same.
This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told XXXX XXXX time and time again that someone used my information to apply for a student loan with XXXX XXXX and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my Early Warnings Services Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact XXXX XXXX they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  XXXX XXXX is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and XXXX XXXX seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask XXXX XXXX to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against XXXX XXXX if I am refused a response.
I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with XXXX account # XXXX which also turned into a collection account with a company called ARS National Services. I keep getting phone calls from ARS National Services trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, ARS National and XXXX copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. ARS National Services refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.
XX/XX/2018. This is the third time that I have been contacted by Bankers Healthcare Group to take out a loan with them. It includes a card and a personal site that obviously could be used in identity theft if anyone else received it by mistake. I have written to them last month and the month before, demanding that they stop sending these cards. Their " President '' is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. Please stop them from sending unwanted loan offers.
[ Case number : XXXX ) This is, again, a complaint requarding the merger of XXXX and First National Bank. XXXX customers have not been able to access their accounts since Friday last. This is Tuesday at XXXX. We still ca n't get in online or by phone. Credit/Debet cards have been turned off. What are we to do now? Called branch and they are also down and ca n't even issue temporary cards. 

Notified CFPB yesterday -- still no response. Next call to Sen. XXXX, XXXX and Rep XXXX
I received notification XXXX XXXX XXXX , XXXX is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be  retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against XXXX XXXX XXXX , XXXX, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, XXXX XXXX XXXX , XXXX and XXXX XXXX. I will be retaining legal council! XXXX XXXX XXXX , XXXX is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!
Hello, I opened an account using XXXX and connected my Bank of America checking account information to my XXXX account. I had an item due to XXXX and XXXX attempted to withdraw those funds from my Bank of America account. The funds were not available and I was charged a NSF fee of {$35.00}. I then proceeded to pay my XXXX balance using a different account. The XXXX system is designed to continuously try and gain these funds from the same account daily until the fee is paid. On Bank of America 's side, these XXXX transactions appear to be continuous withdrawals. XXXX continued to charge my account XXXX XXXX different occasions and Bank of America continued to charge me NSF ( {$35.00} ) fees each time XXXX attempted to collect these funds. I have documentation from XXXX addressing Bank of America of these reoccurring charges and requesting that the {$430.00} in NSF fees be removed from my account. XXXX and Bank of America have been unfair, deceptive and abusive. I demand that Bank of America remove the outstanding balance of {$430.00} for NSF charges that I did not approve by XXXX.
XXXX XXXX XXXX calls 10 times a day if not more they bug me over and over again and wont stop sometimes they just call and hang up other times they keep telling me over the phone calls will contuie and there is nothing i can do about it this is my cell phone and i do not want them to ever call it again this time i did get mad and i did sware but you have to undertand they dont stop and its getting old real fast i was on the phone with my mom and they called and it kept akeing this beeping sound becuase i would not ancwer it this has to stop they nearly made me homeless and as far as that goes im not going to pay anymore i as paying every month then i called and said i cant pay you this month or i would not be able to pay my rent or get food to get by they took it anyway in the form of a cheek that they never told me they could take and i nearly lost everything i lost my car could not pay for that my family did not have enugh food and had my family not steped in i would not have been able to pay rent they made my bank go negitive by XXXX dallers i lost half of my XXXX money if my family did not help i would be on the streeXXXX so i dont think i should pay them anything anymore lost the car could not feed my family and nearly went homeless THOSE PEOPLE ARE MONSTERS they do not care about anyone or who they hurt please help me to get them to stop
It was my understanding that the only way that i could receive student loan forgiveness ( i am an XXXX ) was if i consolidated my student loans with XXXX XXXX. After 10 years of public service, 120 on time payments, I could request forgiveness. I was never advised as to what type of payment plan that I would need to be on, only that a qualifying payment would need to be made. I began making standard payments on XX/XX/2012. Believing that I was doing the right thing and on course for loan forgiveness, I submitted my employment certification form for PLSF last year, ( which is now missing from my file uploads in my online account ). After submitting my employment certification form I was notified that I would need to switch to a " qualifying '' payment plan. I researched through the website the qualifying payment plans and found them to be MUCH higher than my standard payment. So much higher that if I switched to the qualifying payment plan I would have my student loans paid off by the end of the 120 qualifying payments. Me paying off my student loans does not equal student loan forgiveness. I then called XXXX XXXX to see if what I was seeing was correct and the XXXX  phone representative said, yes i would in fact pay off all of my debt by switching to the qualifying payment plan and that does in fact happen for a lot of people that they are the ones that actually pay off the balance. THIS MAKES NO SENSE. I have been tricked into believing that I could be eligible for student loan forgiveness, consolidated my loans at a higher interest rate, was not explicitly given the choice of the correct payment plan for student loan forgiveness, then was informed that I would, in fact, still pay off my loans completely before i would meet all of the qualifications for student loan forgiveness. This company, who handles ALL of the federal student loan debt for people wishing to seek student loan forgiveness is not working to help people get rid of their debt. They are making money off of misinformation, incomplete information, or neglecting to provide consumers with the clear path to student loan forgiveness.
I have received several letters from different credit collection agencies regarding an account from XXXX XXXX for the amount of {$460.00} which is being reported to all 3 credit bureaus XXXX XXXX XXXX  I have informed them in writing and verbally that this account is not mine and ask them could you please provide me validation of the original contract payment and interest fees validating that I sign for this account with my signature
XXXX customer representative invited me to apply for one of their credit cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX  '' stating that I was denied due to what Experian reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.