WillisBack/dataset-financial-user-claim huggingface dataset:
I had a lease with XXXX XXXX XXXX michigan that endedXX/XX/XXXX. I paid my rent as agreed in the lease for the entire 12 months. In XXXX i subitted my written notice to vacate with my rental payment. The check was cashed. When i turned the keys into the office on or about XX/XX/XXXX they asked me to fill out a form and i did so. I think the company is using that form and ignoring my written letter from 60 days prior to say i violated the notice clause in the lease. I never received my XXXX security deposit and i did not get a list of damages from the apartment complex within 30 days, but i did give them an address within 4 days of vacating as set by law. I called once to inquire about the security deposit but no one ever called me back. On XXXX or about 90 days after i vacated and lease expired i received a notice from XXXX and XXXX stating I owe {$1500.00} to them for the apartment. I called the apartment complex first and they gave me this collection co number to answer any questions. I called and asked how they came up with {$1500.00} in charged and they stated I didnt give 60 days notice to vacate and they said there was damage to the apartment. The collection company said the debt will be eligible for a judgement on XXXX XXXX th, which I took to mean I was Being sued but they couldnt/wouldnt tell me where. I believe the threat of legal action is not appropriate because the apartment has not followed the law on how they handled my security deposit and in Michigan a landlord has 45 days to start a law suit which they failed to do and typically this means after that deadline it is not a legitimate debt. The collection compsny demanded {$1500.00} and i sent a certified letter disputing the debt and asking how they calculated the fees. They responded onXXXX with a statement showing a {$1200.00} nonsufficient notice fee that is not listed in the lease. This statement was dated XX/XX/XXXX but it was never received by me and when i called the leasing co to ask about the security drpisit no one ever called me back and when i called after getting the first letter they referred me to the collection company who demanded the money and told me they would seek legal action on XXXX XXXX th- whic is a weekend. I felt threatened that if I didnt pay this would create legal problems for me and destroy my credit. Because they wouldnt tell me how I could defend myself against a lawsuit from them I felt like i had no option but to cooperate with them and give them information they were seeking.
I stop attending classes because I had personal issues during the yearXX/XX/XXXX,  since then I stopped assisting to my classes, and they continued to charge me until now the date XX/XX/XXXX. I only finished 21 credits which is in my opinion a theft and a dishonest way of handling a student support in financial and personal matters.
My identity was compromised in XX/XX/XXXX. I purchased credit monitoring package from XXXX including all 3 credit reporting agencies. There was about 8 accounts opened with my ssn but we caught it in time so they couldn't do serious damage. Recently these fraudulent accounts have been removed from my record by XXXX and XXXX XXXX. No luck with Equifax. After numerous security questions they told me I failed to identify myself. 3 days later I tried to use my XXXX XXXX card but they told me it was cancelled by Eqiufax.  That was true embarrassment but card was dead. Card was issued by XXXX XXXX, so I checked other accounts related with XXXX XXXX.Sure enough, XXXX XXXX card with only {$150.00} balance, cancelled, XXXX card, cancelled. Obviously they couldn't touch or close real banks like XXXX  XXXX XXXX and XXXX XXXX. These accounts they didn't close. 
When I called them originally, I gave them the fraudulent accounts and they had those anyway, they still closed all my accounts with XXXX XXXX XXXX. Do they have right to do that, who are they protecting, I am the victim, and they are just punishing me even more. Never the less was their customer service. Beyond comprehensive. I kept on telling them that I can not understand what they are saying, but they kept saying, what is so hard to understand. Sorry, cant speak XXXX XXXX or XXXX. 
Can anyone stop this Equifax from torturing hard working people in this country
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
they debt collector called me after XXXX. When i asked for my acct information such as amount and account number he kept avoiding answering a trying to humiliate me. He kept trying to put words in my mouth and all I was trying to do was get the information so I could work on paying off my debt but he kept refusing to give me the information until i threatened to end the phone call. He finally gave me the acct number but again kept trying to trip me up by putting words in my mouth. He was extremely rude and unhelpful.
When I did my credit report, there is an account that should NOT be on my credit report as a repossession. I bought a pick up for my grandson, I was the co-signer, when I went to get tags for the vehicle, The DMV had no record of me buying this truck, it was listed in the name of the orinigal owner, it was NEVER transferred to my name. I had the DMV do an investigation and I did not have to pay for the truck, XXXX XXXX XXXX, paid me all my money that I had paid on the trunk back to me. This should not be listed on my credit report at all. Can you help me with this??
XXXX XXXX XXXX Account opened approximately XX/XX/XXXX. Co-signer on this car loan account. Bi-weekly wages were garnished in the amount of XXXX final payment was made on XX/XX/XXXX, and account has been paid in full but still reporting on credit report. contacted finance company, whom referred me to garnishing attorney Goodman-Frost for removal. contacted attorney, who told me finance company has to remove it from credit report. disputed with XXXX  and XXXX  with no resolve. item says it will report on credit until XXXX.
Bank of the West is reordering electronic deposits and withdrawals in our business banking account. We receive notification of a deposit 2-3 days prior to the deposit appearing in our account, a pending deposit. Our company payroll is also processed electronically, on or near the pay date which is on a Friday every other week. In the last month we have had two separate instances where the deposit and debit post on the same day, yet we have been assessed an overdraft fee.

The bank reversed one of the fees when I inquired about the first charge and stated we should apply for overdraft protection on this account. The overdraft protection is expensive, it applies a fee whether it is used or not and has a significant percentage rate on the overdraft amount. The bank seems to be reordering deposits and withdrawals in order to charge a fee or force us into an even more expensive overdraft line of credit. We have no control over when these electronic items process, we as consumers are entirely in the dark regarding these transactions that appear to be nothing more than a vehicle for the bank to assess more fees to a small business.
Experian have took XXXX XXXX XXXX  of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX XXXX : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.
I think my bank is charging to many overdraft fees. This needs to stop. It puts you in a hole you can't get out of. They won't wave any of my fees. This is us bank
I had a credit card account with XXXX XXXX I could not pay in full. I reached an agreement with them last year for a partial payment which was made then they closed my account. However Experian refuses to correctly report this account even though I have notified them of the error three times. They are still listing it as charged off in XXXX, XXXX, not XXXX as should be. Also they have the charge off amount incorrectly stated as {$5500.00}, when it is actually only {$2200.00}. 
I have explained this to Experian in detail with documentation and the settlement agreement. They still refuse to correctly report this account.
I received a special offer from Conn 's home plus about my past due payments. when i called about it and talk to them on XX/XX/XXXX, I was given 3 options.. # 1 pay XXXX payment in full, # 2 refinance the remaining balance, # 3 pay XXXX and the remaining past due payments would be put at the end of the line ( deferred ) and next month in XX/XX/XXXX I will be back on track with my payments, It was stated to me that either option would bring my account up to current status. I agreed to option # 3 due to me being close to paying off the account. Arrangements were made for the payment of XXXX to be debited out of my bank account on XX/XX/XXXX, my social security check was a little late being direct deposited but Conn 's did in fact receive their payment. On the same date of XX/XX/XXXX I started receiving credit alerts on my smart phone and found out that Conn 's had reported me as delinquent on my credit reports, I contacted Conn 's  and told them what happened and told them that they can not do that, arrangements were made, this is what I was told, that I upheld my end of the payment agreement why are you breaching yours. Conn 's wanted to argue about the remaining late payments and I told them that they were deferred in the arrangement and that this is a violation on the Fair debt credit reporting act and they are going to have to take the delinquency off my reports. Conn 's has breached their end of the arrangement and were deceptive in making their agreement to the arrangements. I am willing to follow through with legal recourse as Conn 's has put damaging information on my credit reports by breaching their end of the arrangement. Conn 's is still contacting me to pay even after this payment arrangement was made. Even tho i am still recovering from a XXXX, Conn 's uses deceptive and unethical practices.
I have sent several letters letting the debt collection company know that this debt does not have the correct date that the account went into default. This debt is well past XXXX XXXX XXXX and past the statue of limitations for the state of South Carolina. They will not send me any information about this debt when I asked for validity of the debt. They remove it and then put it back on my credit report as if it is a new debt.
I opened a CitiGold checking account in XXXX of 2016under the promotion code XXXX which would give me XXXX XXXX XXXX miles after {$1000.00} in debit purchases and XXXX automatic bill pays from the account. I completed XXXX of these tasks but was then was givn the runaround by Citi representatives when I inquired about the promotion that was tied to my account. I was then given notice that Citi would not honor promotional offer that was promised to me when I signed up for the account. It is now the end of XXXX 2016 and I still have not received the XXXX XXXX miles that I was promised when I first opened the account, even though when I opened the account I confirmed with a representative that the promotional offer was tied to the account.
I have a loan that was transferred to a new loan servicer on XXXX. 
The new company is insisting I am late for XXXX and XXXX. I am not late but even if i were, they can not try to collect for months they did not have the loan. 
The Company is Bayview Loan Servicing , LLC . 
XXXX, Florida XXXX
Received account balance option letter from FreshView dated  XXXX   XXXX  in regards to : Current Creditor-CACH, LLC ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three  options were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,  XXXX   XXXX ,   XXXX  , I went to the  FreshView  website to take optio n 1, making 4 pay ments of {$600.00}. I was informed on website to contact them. I called FreshView at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today,  XXXX   XXXX , I called CACH , LLC and was told that the matter was sent to their attorney, the Law offices of  XXXX   XXXX  and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until  XXXX   XXXX ,   XXXX   and this debt was sent to an attorney before 30 days. I want to take advantage of the option of ma king 4 p ayments of  XXXX  on this debt before  XXXX   XXXX  as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days from  XXXX   XXXX !
I paid Lloyd and McDaniel law firm XXXX on XX/XX/2018, they are still reporting negative remarks to the credit bureau and they have not released the judgement off of my credit. They told me it would take 14 days to remove the negative mark on my credit but its still on there. I have reached out to them several times and they refuse to remove the judgement even after I have paid in full.
Hello I paid my mortgage early and actually closed my mortgage loan on XX/XX/2018. I have been contacting Franklin Mortgage for repayment to me of my over payment. As of today, XX/XX/2018 I have not received any monies from them, and they keep saying I will get it, yet nothing is coming through. 

I feel like I am being conned and lied to by a financial instutition. I can't get through to them via the telephone to discuss with anyone. 

This is now 3 months nearly and I believe they should repay me.
This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in XX/XX/2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.
XX/XX/XXXX, PNC Mortgage offers a refi mortgage. ( 1st of 4 attempts ) loan officer abandons application and I receive denial for incomplete in mail. LO now gone, new LO has me resubmit, ( XX/XX/XXXX ) I 've now moved to a new career in new year, managed by staffing agency, underwriter does n't like it, processor wont return calls, and loan is denied for same reason. 3rd attempt, ( XXXXXX/XX/XXXX ) Loan redone again 3rd run on credit, underwriter again same issues, and processor from before again fails to do his job, after he was supposed to be taken off my loan and new team put on. Phone conversations with top of mortgage dept./underwriters continue, 3rd attempt on loan killed for " schedule B compliance. '' Underwriter/mortgage dept. invite and persuade me to resubmit once more, with the promise to be " more objective '' in the application, understanding staffing agency work is not " temp '' work. Submit again, underwriter immediately begins to demand the exact same things as before, breaking their word on objectivity, goes to the wrong employer dept. for verification of employment, gets an unskilled worker to give them incorrect info. I immediately notify loan officer and told not to worry, that I was just making something out of nothing. They were wrong, underwriter fails to bring their promise, I have to correct their work, as they refused to rectify the issue themselves. As soon as I do, they still refuse to accept, and actually went back to wrong office on purpose on a fishing expo. to find someone that will give them what they need to kill my application. I could have simply gone to another financial institution, but they promised they understood and pressured me to resubmit with them, and in the end now I cant submit anywhere, as PNC has killed my score, until sometime in the future. By XX/XX/XXXX my official denial letter from PNC loan # XXXX denied. Executive of customer relations unable to do anything, PNC Mortgage refuses to hold underwriter to their word, knows the UW baited me and then destroyed my loan as soon as I committed to the submission. UW defends with the email they went fishing and received stating " technically a temp '' and ignored the actual employer 's written responses ( the same one they used 3 of 4 times prior ) The fact they insisted I continue to work with them ( PNC ) and not go somewhere else, lent me an assumed trust and good faith in them. They NEVER gave me their required definition of a " Permanent '' employment. The crutch of the entire loan! I asked repeatedly for a copy of this requirement in writing, and they refused, I asked the executive of customer relations for it, they refused. It is a company imposed requirement, that NOBODY could offer in writing, and actually denied they were requesting employer 's for documents stating such, without a definition even for them to go by. To this day, I have never heard of any other institution requiring anything without a definition of it.
My house sold on XX/XX/XXXX and XXXX was paid in full for the solar panels I purchased from them. I had XXXX accounts with them and they automatically shut down XXXX of the XXXX accounts but the left XXXX open. They have continued to withdraw {$500.00} from my checking account each month and when it was brought to their attention they told me that it was my fault for not stopping autopay ; however, they did close XXXX of the XXXX accounts. When I called to ask when why my account continues to be debited I could not get a straight answer from anyone. They continued to withdraw {$500.00} from my account and they have no accountability whatsoever. I even asked to speak to a supervisor and I was told there was nothing that they could do and that I had to wait XXXX business days to get my money back. When someone writes a bad check that person is held accountable but it appears that credit companies are not.
A few weeks ago transunion deleted all inquiries off my credit report and they were reinserted without notification prior to reinsertion.
this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX pysicans group and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX
I was unemployed and basically homeless for a period of time. I had not received any notifications of my account being delinquent im sure FED loans records will show returned mail of some sort during the periods of supposed missed or late payments in question. I have been on a forebearance and was on one and renewed as well I should not have any late payments showing on my credit report but instead i do. all my student loans are reporting as 120 days delinquent
I opened a new chase XXXX preferred card a few moths ago. I figured it would be a good card for when I traveled abroad. Before I left on my trip, I signed up for their autopay program. I was gone for XXXX weeks. When I came home, I noticed that I had a balance from the previous month. I called chase, and the rep told me there are some purchases that do n't qualify for autopay. I had no idea why, but I felt I had no choice to pay the interest. If I had made a mistake not reading some fine print, it was my fault. I called them back and asked the rep to use my bank account to pay off my balance. He said he would take care of everything. My balance and any interest charges I owe would be taken care of. This was 3 months ago. I have since received a couple of hundred dollar charges on every statement received after. When I inquire about it, they tell me they are residual interest charges. Not sure why I 'm paying residual charges when everything should be paid off and I was specifically told by the representative that I would be starting on a clean slate after I paid off my balance. I 've had many credit cards over the last XXXX years. I 've never XXXX paid interest until 3 mouths ago. Very frustrating to deal with their customer service. They are charging bogus charges to make money.