WillisBack/dataset-financial-user-claim huggingface dataset:
My old apartment complex has been claiming for years that I did n't give them enough proper notice of vacating the apartment I lived in at the time. Well I responded in writing to the request of lease renewal but they claim that they either never received it or received it after the due date ( I forget which one because it has been a while ) I was being Separated from the XXXX semi-voluntarily and semi-not so much at the time and did n't have proper time to respond to these ridiculous claims. Though I do remember receiving an invoice a while after I got settled in Connecticut and I saw that they were even charging me for things they claimed they were n't going to ( removing left behind furniture, etc ). 

Bottom line : I know I 'm in the right and I flat out REFUSE to pay for a months worth of rent PLUS interest that 's surely collected by now for an apartment I was n't living in. I just hope this is enough to get the deed taken care of because this illegal action needs to be removed from my Credit Score and Report.
I recently received a copy of my Experian Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
I have received multiple calls to XXXX XXXX XXXX looking for a XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX. It 's hard to track the caller id as they are spoofing their number. I called them on a recorded line XX/XX/XXXX to tell them that they have a wrong number. I was told by XXXX ( unsure of the name ) that she was going to remove my number off the list. 
Today at Today XX/XX/XXXX XXXX caller ID was XXXX. When I answered the phone I advised the caller, I have called them before to let them know they have the wrong number for this XXXX XXXX XXXX. The female on the phone told me that I must have called another company. I advised her not to call me again, or I will file a complaint. 

I have no faith that this company will not stop calling my house looking for this individual that I do not know who it is. Please help me with this issue.
EQUIFAX HAS NOT REMOVED FRIVOLOUS ACCOUNT REPORTED FROM XXXX XXXX XXXX. EQUIFAX RECEIVED AN IDENTITY THEFT AFFIDAVIT FROM ME OVER A YEAR AGO. I NOW HAVE ATTACHED FURTHER PROOF FROM THE XXXX XXXX & FROM XXXX THAT CORROBORATES THAT I RECEIVED FUNDING FOR COLLEGE XXXX FROM A UNIVERSITY OTHER THAN XXXX UNIVERSITY-THE ORIGINATOR OF THE DEBT. I HAVE NEVER ATTENDED XXXX AND I HAVE OFFICIAL DOCUMENTATION TO VERIFY MY FULL ENROLLMENT AT XXXX AT THE TIME EQUIFAX IS SAYING THEY RECEIVED VERIFICATION FROM XXXX XXXX XXXX.
Wells Fargo canceled my credit card and raised my interest rate despite that I paid my account on time and paid more than the minimum amount each month. Their reasoning for this is that my debt to limit ratio is too high. However, my original limit was {$25000.00} and as I paid down the debt they lowered the limit so that I was perpetually maxed out. They manipulated my credit and the events to create the situation so that my debt to limit ratio is always high. Had they left my credit limit at the original amount my debt to limit ratio would be below 50 %.
I am trying to build my credit so I applied and was approved for a SECURED credit card through Capital One XX/XX/XXXX. It required a {$50.00} DEPOSIT which I made. I used my card for purchases. Then I made my 1st payment of {$200.00} on XXXX/XXXX/2016. I had am available balance and made more purchases. Then on XXXX/XXXX/XXXX I made my 2nd pymt of {$190.00}. I should have an available balance once again. Both payments were made with my XXXX checking acct. Since XXXX/XXXX/XXXX, my card has been declined, my online Capital One acct has been restricted. I called Capital One today and received no resolution, I was just told that they needed to verify my XXXX account was indeed mine and that they could n't verify right now or provide with an expected resolution time of when it would be resolved because XXXX lines were busy. So from XX/XX/XXXX to present XX/XX/XXXX Capital One has my {$50.00} deposit and my {$190.00} payment, but I have NO ACCESS to my account, my available credit, or my deposit. 8 DAYS AND COUNTING HOLDING MY $ HOSTAGE!!!
Sent them several disputes regarding this matter. I keep getting the same response. " Inquires are a factual record. If you feel this is fraud contact the creditors. I have contacted the creditors also and get told I have to have Equifax remove them. They have since locked me out of the online dispute process stating my information does not match. I 'm 100 % sure my information matches. I then faxed them a new dispute with an intent to file suit letter and they have ignored that also.
National Credit Systems Inc is reporting on my credit report that I owe them {$3400.00}, when I first researched the company I notice for XXXX they are not authorized to collect debt in my state of Arizona. Secondly, I have no obligation to pay them and I have no contract with National Credit Systems Inc.
I am the third party. 

On Tuesday, XX/XX/2018 my wife received a voice mail at XXXX from XXXX with XXXX XXXX XXXX. I called them back and they confirmed they were a debt collection agency and that they were attempting to contact our neighbor, XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. 

We have no relationship with this company. We have no relationship with, nor even knew of the existence of, their customer XXXX XXXX. 

This company randomly obtained the phone numbers of people living close to Mr XXXX and decided to call his neighbors in an obvious attempt to shame him. This is an unfair collection tactic.
I had taken opened a credit account with SYNCRONY BANK / CARE CREDIT for the purpose of having a dental implant done at XXXX XXXX XXXX XXXX XXXX   with the owner and practitioner XXXX XXXX XXXX. I made one agreed upon purchase with the CARE CREDIT card for {$2200.00} which was for a complete implant procedure. XXXX XXXX would tell me that I needed additional procedures to continue with the XXXX  only after the original charge was made. He charged for " XXXX XXXX '' which was only a XXXX. XXXX  XXXX placed my XXXX  incorrectly, removed it, charged me {$500.00} for a XXXX XXXX, replaced the XXXX  and told me he needed an additional {$1700.00} to complete the procedure with the XXXX  and XXXX. I called CARE CREDIT and disputed the transaction as I no longer trusted or had confidence in XXXX XXXX. He was also refusing to finish the procedure for the agreed upon price. CARE CREDIT investigated my dispute and released the dispute in the doctors favor citing a patient ledger XXXX XXXXI sent them stating that he completely finished the procedure including XXXX and XXXX. I never received an XXXX  or XXXX. XXXX XXXXI did not finish the procedure and sent CARE CREDIT a falsified ledger showing that he did. CARE CREDIT told me there was nothing I could do about it. My credit is ruined, I have been XXXX  on by XXXX XXXX numerous times with bad results and no completed XXXX XXXX.
I received a notice from Javitch Block LLC saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?
On XXXX XXXX, 2016 my daughter XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within XXXX minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released my daughter XXXX XXXX has received a closing letter from Suntrust Bank and in that letter it states that all monies left in the bank account would be sent in th form of a paper check to the address on her account but now that is not the case so after weighing many options and getting anywhere I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
Hello, During XXXX of 2015, I received a low interest rate offer from my credit card company, Wells Fargo, in my monthly bill statement promoting " Superchecks '' that were linked to my credit card account. The offer is for 2.9 % APR for 12 months. The offer states that the superchecks may be used for " balance transfers '' or as you would use a personal check for " purchases. '' The offer clearly distinguishes balance transfers from purchases, and only states that there will be a balance transfer fee. 
After using XXXX of the superchecks for a purchase, Wells Fargo charged me a " balance transfer fee '' of {$110.00}. I called Wells Fargo credit card center and the representative recommended I go to my local Wells Fargo branch to get the issue resolved, which I did on XXXX XXXX, 2015. Branch Manager, XXXX XXXX explained that since it was a credit card issue there was nothing she could do. She was also unable to show me in the offer where purchases are also subject to balance transfer fees. 
On XXXX XXXX 's advice, I contacted the credit card center and spoke with a manager. I spoke with XXXX XXXX, who was also unable to show me where the offer states that purchases are subject to balance transfer fees. He explained to me that there was nothing he could do to remove the fee from my account. 
Wells Fargo Bank failed to inform me that a " purchase '' is the same as a " balance transfer. '' The offer is misleading.
I disputed a charge on my Citibank Visa for an service which was not delivered ( the business closed and the owner left town ). Citi applied a temporary credit and requested my affidavit and additional information. I sent the additional information to Citi via USPS within 24 hours of the request. The information included both a hard copy of and URL to a news article published that day about the business 's closing. 

Since the request, I received no fewer than XXXX notices asking for the information I had already sent. Each and every time, I called Citi immediately ( within 12 hours of receiving the communication ). Each time, the Citi representative looked at my dispute, saw the evidence which I had already sent, and said I should do nothing else. 

Eventually, I got a notice that the dispute was about to be closed because I had n't sent in supporting documentation. I escalated to a claims specialist, XXXX, and she, too, assured me that they had everything they needed and that I should do nothing. 

Then the chargeback was reversed and I received a final disposition letter, indicating that I had n't sent the requested information. I finally spoke to XXXX in the Citicard " Office of the President '' who indicated that she would fix the problem and call me back by today, XXXX XXXX. XXXX has not returned the call as promised, and the chargeback is still reversed.
Multiple Hard Inquiries dragging down my credit score from this company XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
On XXXX/XXXX/XXXX I received the second half of my student loan disbursement {$9900.00} for that school year. Not needing the entire amount of the loan for that I contacted my financial aid office who instructed me to go to the Direct Loans website and pay the amount in return. On XXXX/XXXX/XXXX I did just that and made a return loan payment of {$9000.00}. In XXXX of XXXX when I graduated I decided to work on loan consolidation since I had several loans spanning from XXXX and XXXX  school. I realized that No Where could I find the {$9000.00} payment I made and it was not applied to the loan I had received for the XXXX school year. I called direct loans and asked. Which they replied that because I made an online payment, the payment was sent to pay interest first and split up over several loans that currently held interest. I told them that this was a Loan Return Repayment and was supposed to be allocated to that certain loan. The lady told me it did n't make a difference where it went. I thought this was odd so later that week I contacted my financial aid office again. She said that it was a big deal and I was going to continue to be charged interest for the principle of this loan. Call them back and tell them to allocate that repayment. The next thing I know my loans were transferred that month directly to Navient. I called Navient and they said they had NO record of this loan repayment. That was four years ago! I have been fighting with them for four years. Finally this year they finally have admitted that they do see the payment and that it was split up instead of paid to that loan and " there is nothing we can do for you. '' We can not change the way the loan was sent to us. I have provided extensive bank records to them, requests, I have letters they have sent me saying that no such XXXX payment even existed. They have shuffled me for years. Saying they were going to fix this error. Please give us this info/ that info. etc.They are legitimately defrauding me. Pocketed the money I returned. And continuing to compile interest on the full principle of that loan. PLEASE HELP ME!
i took a look in my experian credit report and i saw that there was a XXXX account XXXX and my report that did not belong to me. so i send a certified letter on XX/XX/2016 to them asking to validate this account that they claim belongs to me.it is now XX/XX/XXXX i never received anything from them stating that this account belongs to me. they are in violation of the fair credit reporting act. they fail to provide me with a contract bearing my signature and marking my credit report disputed by consumer within the 30 day time frame and should be removed
Eqifax reported information on my account incorrect XXXX appears in my account as a a collection record. I have no knot of this account. This account was previously deleted and now has appeared on my report XXXX.
Every single day since XX/XX/XXXX, there have been several calls to my phone number. Yesterday, Sunday XX/XX/XXXX, I received 22 phone calls from them after on Saturday XX/XX/XXXX they were told I had XXXX XXXX and it was not known when I could pay. I am in a hospital right now and can't have my cell phone on because it is ringing soooooo much from them. I have never been late or missed a payment until this month, XX/XX/XXXX.
freedom acceptance corp. put a lien on my XXXX account in XX/XX/XXXX. i fear they will continue to peruse debt collection from a XX/XX/XXXX debt in XXXX ca. The Bureau 's investigation also found that Freedom Stores , Inc. violated the Electronic Fund Transfer Act by failing to properly disclose the terms of preauthorized transfers, and that Military Credit Services violated the Truth in Lending Act by failing to properly disclose the terms and interest rates on the loans it offered
I sent XXXX $ threw Intermex to my mother in XXXX XXXX. In which I was charged XXXX $ for their service. On the XXXX of XXXX I received a text stating that the wire I sent has been collected. I then called my mother to see if she had received the money and informed me that she had not gone to the bank yet to which the wire was sent. I later called intermex and asked what had occurred and they replied that the money had been collected but they had not told me who did. Their website advertises safe secure wire transfers to consumers to love ones. I 've called them every single day to see how they can help me but to no avail they will not give me a straight forward answer and says it 's out of their hands it is now the XXXX of XXXX and no resolution in sight I must file a complaint and hope that I will find some kind of resolution.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I was notified by my credit card that a new account has been opened. A loan was dispersed from Navient to XXXX XXXX XXXX College, 2 separate loans adding up to about {$6000.00}. I had contacted Navient around XX/XX/2017 and talked to the fraud department to let them know that I was did not agree to those student loans and thought they would not let anymore loans be disbursed until we had figured out who was responsible for the loans. Navient let another loan be dispesed after I had talked to them and I took actions into my own hands and called the credit bureau to to a stop to any type of loan trying to be taking out. I need you help to get who ever is responsible for taking the loans out to be accountable to pay for them.
This company called XXXX is reporting erroneous information on my credit report. The information they provide month after month is unverifiable and misleading. I have disputed several time with the same results. Verified by furnisher. Experian is the only credit bureau still reporting this incorrect unverifiable information. XXXX and XXXX  removed this after investigating my dispute. The company has several misleading details about my account. For starters they have the monthly payment wrong and the terms of the agreement as 185 months. Thats over 15 years on a 2000 model vehicle that was sold without notification of when and where. Mortgage payments are 15 + years. This is unverifiable and damaging to my life.
This company has been repeatedly calling my sister, my place of employment, and myself. They have left messages and refuse to stop calling. I XXXX the information that they provided to my employer and found that other people are having the same issue. My employer got a call from a woman named, XXXX from " XXXX ''. This woman gave them a case or reference number for my " case '' - Ref # XXXX. I tried to call the number back and the voicemail stated that this company was called the GF Group. I have found no real information online about this company. All I have found is other people stating the same things were happening to them.
HELP!!!! Need urgent reply. 
1. All 3 credit agencies were asked in writing and verbally to remove a medical collection of {$75.00} and show it was paid. I have cancelled check ( ck # XXXX payable to XXXX XXXX XXXX., that cleared my bank XX/XX/2017. Found out later they had turned it in to XXXX XXXX XXXX XXXX, and told XXXX XXXX XXXX that I paid it direct ) XXXX & XXXX  totally removed it. Equifax still shows that I owe {$75.00} to them and shows me as being delinquent by 2 yrs. 6 mths. I want this corrected. I have tried both by phone and in writing. 
2. I am also in process of getting a mortgage. I have done what is recommended by comparing 3 diff. mtg. companies, according to your booklet ( Your Home Loan Toolkit, A Step-by-Step Guide ) but now I have numerous hard inquiries being reported due to these mtg. comparisons. Except for hard inquiries, XXXX  has made corrections and kept all my report information accurate, but shows 9 hard inquiries in past 2 years ( more about this below in item # 2 about auto shopping ) XXXX  is showing 7 hard inquiries and Equifax shows the most at 11. Equifax has not corrected hard inquiries when I leased a car 2 years ago. In 3 days I shopped at 2 different dealerships. One pulled credit twice and the other dealership pulled 3 times, with companies like XXXX. 
In my planning to get a mtg over the past year, I have monitored my reports and had any errors corrected. In addressing these hard inquiries for car shopping, Equifax is the only one that didnt reduce my hard pulls due to car shopping within a 7 day time frame. The other 2 agencies made an effort by removing a few of them out of 5 auto hard pulls. Plus I never gave these dealerships permission to check multiple places. The salesman asked if they could check my credit and I said Yes. Now I have the same issue with mtg shopping. And all the pulls say they are for home mtg. 
My FICO score with XXXX, has dropped to XXXX. But my XXXX  has dropped to XXXX as of yesterday. And Equifax has dropped me to less than that at XXXX, all mostly due to the 3 mtg companies doing hard inquiries. 
3. NOW MY URGENT ISSUE!!!! 
I have been approved for mtg but the HOA requires a FICO of over 700 to buy/live in their community. They just received my application and will probably be pulling my credit today and they will most likely deny my application to live there. Until the mtg companies started their hard pulls all my scores were above 700. HELP!!!! I do not have calendar time to deal with this without help. Everything takes 30 days with credit reporting agencies. The HOA is not going to wait on that. However, help right now with any of this should pull my other rates up over 700 to where they before I Started shopping for a mtg.
we tried make to an arragment with the financing company because we are loose income the property has devaluated by appraisel and the company do make any think for refinance thed loan. We are XXXX by ssa and my wife too.The payment of the property is too espencive an d we do not pay for that reason.
I applied for a home loan and found that Midland Funding had placed a collection account on my credit report without notifying me or giving me the opportunity to validate the debt. They also re-aged the debt. It was not incurred in 2014. It is past the statute of limitations and was charged off by the original creditor. It is uncollectible and Midland Funding is trying strong arm tactics and misleading info to force me to pay this even though I am legally not obligated to.