WillisBack/dataset-financial-user-claim huggingface dataset:
FACTS : ( 1 ) On XX/XX/XXXX, I, XXXX XXXX XXXX, signed a one-year-lease- contract with XXXX XXXX XXXX XXXX . Due to severe health issues ( evidence available ), I explained to the staff : XXXX XXXX XXXX, as a Corporation ; XXXX XXXX, Manager, XXXX XXXX, Assistant Manager, XXXX XXXX, office clerk, I had to leave for XXXX for a special XXXX treatment his physician brother had arranged form him. The therapy is called XXXX, XXXX XXXX- I am a XXXX XXXX person with XXXX and XXXX XXXX and many ailments. ( 2 ) I was assured that his apartment would immediately be put in the market and available for move in so that I would not have to pay not too much money to cover for the rest of the lease time. This is per article 11 of the lease contract ( 3 ) I have been deceived by all the staff and told that the apartment was in the market for rent. I left onXX/XX/XXXX, as I was to fly to XXXX on XX/XX/XXXX. I called the XXXX XXXX XXXX XXXX office several times wondering about the delay as to why XXXX ( XXXX XXXX ) had not called. I was informed that it took 21 days. ( 4 ) I had offered to pay the month of XX/XX/XXXX and following months until the apartment was rented ; however, they refused for they had a plan to defraud, abuse and use me thinking that I am XXXX and perhaps a XXXX XXXX, I would not challenge them for breaching their own contract. They had planned to remodel the apartment on my expense and made it available for move in only in XX/XX/XXXX. The apartment was rented on XX/XX/XXXX, or XX/XX/XXXX. They are demanding that I pay {$8200.00}. Now they are demanding {$9000.00} ( 5 ) The  so-called XXXX never contacted me according to article 11 in the contract and waited until the end of the lease to contact me, which is against the lease agreement as evidence shows. A tenant informed me that the apartment was being renovated and refurbished. I thought that they will relief me since they started remodeling the apartment, which means it was not available for move in. ( 7 ) Company representative, XXXX XXXX, confessed in e-mail ( attached ) dated XX/XX/XXXX, that indeed they had the apartment renovated which means the apartment was off the market and used me to pay rent unfairly and unscrupulously. ( 8 ) All company employees have lied to, abused, and used me, as evidence of e-mail messages show. I believe they have discriminated against me for my XXXX and race. <P/>consider the following : ( 1 ) It is my contention that I owe the defendants no money at all and I should be compensated for the deposit and the last month rent ( 2 ) I  should be relieved from this illegally assessed amount. ( 3 ) I request that the concept of discrimination against me for my XXXX and my XXXX XXXX background be thoroughly investigated.
My XX/XX/2017 payment to Capital One was not able to be made due to the online system being unavailable. Aprox 24 hours before the payment date I attempted to login into the online system where I was going to pay my bill from and received the message that the system was temporarily unavailable to login and received the same message the day after. I called capital One to make one of the representatives aware of the situation but they seemed very unhelpful and I was finally able to pay my bill on the telephone and they told me they were making note of the fact about the login problem but never had any correspondence of any kind back.
I keep seeing different amounts that I supposedly owe on my credit report. I 'm also concerned about the fact that I see the loans reported multiple times on my credit report. I also have no clue who to contact because Navient and Pioneer both are giving me the run around.
Greetings, Myself and my spouse both Military XXXX XXXX members. 

Company XXXX XXXX, lender reached out to us for re-financing in XX/XX/XXXX. We have provided certain information but never authorized to run a credit report. 

Credit report was obtained without our authorization. 
Credit report was obtained individually on XX/XX/XXXX ( individually ) Credit report was obtained jointly on XX/XX/XXXX ( jointly ) Mortgage was obtained from XXXX XXXX ( XXXX XXXX ) subsequently. 
I requested XXXX XXXX to remove one of the inquiry, but they refused by justifying their pushing and unethical practices. Bottom line is reports were obtained before authorizations.were given. 

This is not about what may or may not impact our credit report, its about obtaining credit report without authorization and without letting us know as consumers. 

even though I did my best to resolve this situation by reaching out to them on XX/XX/XXXX with Mr. XXXX XXXX. 

XXXX XXXX XXXX XXXX  Executive Office | Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX Mr. XXXX XXXX refuses to remove my request of XX/XX/XXXX inquiry, furthermore justified that this inquiry was necessary by XXXX XXXX in order to obtain VA re-financing. ( one day apart ) Mr. XXXX XXXX also explained that he did his due diligence and based on the investigation he conducted their company has proper authorizations to pull our credit report. 


Please see attached letter and my correspondence with XXXX XXXX  I am not the only consumer on whom XXXX XXXX used their predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received a collection notice from ERC stating that I owe for an XXXX XXXX XXXX account that I have never had. ERC alleges that I owe {$290.00} but that they would settle for {$110.00}. 
ERC also lists an account number that I have never had. I mailed a letter of dispute and have yet to hear back. 
I also googled ERC and XXXX XXXX XXXX collections and found that there are tons of other people that ERC is sending these same letters to for fraudulent accounts alleging that money is owned to ERC on behalf of XXXX XXXX XXXX. Many people have had to file police reports for identity theft and fraudulent claims because of ERC. 
In the letter sent to me, ERC is threatening to report this fraudulent account to the credit bureaus. I was one of the many effected by the hacking of XXXX  so I am extremely concerned that my identity has been indeed stolen, especially since I have a very common name. On the XXXX XXXX XXXX online customer forum, there are so many people that have had their credit ruined for fraudulent XXXX XXXX XXXX collections. This is very scary. I am also filing complaints with the Texas Attorney General, the XXXX   and the XXXX XXXX.
The Transunion Corporation is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the State Tax Franchise board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a 3rd party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a 3rd party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!
I received letters from this company about my debt. I called and tried to settle. After they denied my settlement requests I paid in full. My credit report continues to have this reported and I continue to receive phone calls from this company requesting payment.
I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from Experian and XXXX. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.
I had several transactions over the weekend of the XXXX, one of which was a transfer from my checking to savings account in the amount of {$75.00} on XXXX/XXXX/2017. Once the transactions over the weekend posted, I was charged an Overdraft fee of {$35.00} because of the {$75.00} transfer. I asked Wells Fargo twice to refund the fee and to explain where it states they can charge an Overdraft fee for a checking to savings transfer. Using their logic, I could transfer any amount of money I wanted, even if I did n't have it available and be charged just {$35.00}. So why could n't I just have transfer {$100000.00}? I hope my point is clear on this and it seems like a glitch in their system. I 've been told three times now it 's a glitch and this is the first time I have been refused a refund due to a system error on Wells Fargo 's part. I " XXXX '' overdraft fee caused by checking to savings transfer and not one returned response because it 's something that should n't happen and could be considered predatory and a " sneaky '' was to get fee money from consumers.
I had a judgement on a XXXX bill by Meade Recovery. They placed liens against my house without notifying us. The debt was discharged in our bankruptcy filed XX/XX/XXXX. 
This judgement continues to show as open and paid on my XXXX report. It is discharged and closed. Judgements were discharged. Liens have been scrubbed XX/XX/XXXX. I do not owe them anything.
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Equifax 's website has indicated that I may be affected by the recent breach. However, there are now reports which claim that the website is not actually working as intended and say that you are affected even with nonsensical data.
A few problems with this : 1 ) Saying that you may have been affected when you did n't gives incentive to purchase unnecessary services such as a credit freeze ( {$10.00} per reporting service in my state ) or credit monitoring. I 'm currently unemployed, and really do not want to purchase something which I do n't need but at the same time do not want to risk my credit. Frankly its also ridiculous that I have to purchase a credit freeze from the same company that may have leaked information in the first place.
2 ) The one year of coverage, while mandated by law, is insufficient. Private information which could lead to identity theft may now be out in the public space -- it does n't go away after a year. This could come and haunt me far into the future, yet if I want credit monitoring I would need to purchase a service from the same company which may or may not have lost my information in the first place.
3 ) As a consumer I have no real recourse or way to avoid using Equifax. I rarely directly interact with Equifax. Instead potential lenders will check with credit reporting services before giving me a loan. While in theory I could attempt to avoid lenders which use Equifax in practice it is extremely difficult : Equifax is a major institution in the financial space and will likely continue to be so in the future.
4 ) In order to use the free credit monitoring offered by Equifax I need to sign a binding arbitration agreement with an opt out clause. This clause requires me to mail a letter to the company in order to ensure my ability to sue if there are any issues with the credit monitoring. My understanding is that this arbitration clause only applies to the credit monitoring and not the actual leak, but I do not want to have to sign away any legal rights I may have, especially as part of an agreement for a service from a company which has already lost my trust.
Personally, this breach comes at a terrible time for me. Within the next couple of months I intend to take student loans to help pay for my XXXX  school education. Thanks to the breach I am not extremely paranoid about my credit. Any fraud which could harm my credit score could lead a higher loan rate. If this occurs, my options are to either suck it up and pay thousands of dollars more in interest on my loan, or I drop out. Neither of these options are acceptable.
Thank you for reading, and I hope to reach an acceptable resolution.
Hello, I had a Macys credit card and I made a payment of {$290.00} on XXXX XXXX 2015. On the statement I have from macys it says there is no further balance. Recently I checked my credit report and it says I am XXXX days late with a XXXX dollar fee. The statements macys has sent are very misleading and dishonest. I paid a full balance and the statement says I have also paid the interest ... Only to be surprised I have accrued more interest from another quote billing cycle quote. My credit score is significantly lower because of these extremely dishonest business practices. I need your help please. This is a new trend a lot of people are talking about when it comes to consumer fraud.
THIS COMPANY IS FRAUDULENT!!!! THEY CLAIM THIS IS PAST DUE DEBT. I CONTACTED THE COMPANY THEY CLAIM TO BE REPRESENTING " XXXX XXXX XXXX XXXX XXXX '' I SPOKE WITH A NICE PERSON NAMED XXXX, WHO LOOKED INTO THIS. SHE STATED, " THERE ARE ABSOLUTELY NO OPEN OR CLOSED ACCOUNTS, OR ACCOUNTS THAT SHOW PAYMENT IS DUE ANYWHERE IN THEIR SYSTEM FOR ME, PAST OR PRESENT!!!!! SHE ALSO STATED THAT IT DOES NOT SOUND RIGHT THAT THIS COMPANY WOULD STATE THAT THEY GAVE THEM THE DEBT WHEN THERE IS NO DEBT OWED TO THE HOSPITAL BECAUSE EVERYTHING WAS PAID OFF. THIS COMPANY PURCHASED ACCOUNTS THAT WERE ALREADY CLOSED, WHICH IS ILLEGAL. AND THEN PROCEEDED TO PUT THEM ON MY CREDIT REPORT. XXXX XXXX NEVER ONCE SENT ANYTHING TO ME IN THE MAIL, VIA EMAIL ; THEY ALSO NEVER ONCE CALLED ME TO ASK ABOUT THIS DEBT. I AM BEYOND XXXX OFF THAT THEY ARE ALLOWED TO XXXX UP SOMEONE'S CREDIT LIKE THIS. THIS COMPANY AFTER DOING RESEARCH IS INVOLVED IN NUMEROUS LAWSUITS FOR THE SAME PRACTICE THAT I AM GOING THROUGH. THERE ARE NUMEROUS COMPLAINTS FROM PEOPLE WHO ARE GOING THROUGH THE SAME SITUATION THAT I AM GOING THROUGH. I DO NOT KNOW HOW THEY ARE STILL IN BUSINESS. I AM IN THE PROCESS OF CONTACTING AN ATTORNEY TO BEGIN A LAWSUIT. I WAS IN THE PROCESS OF PURCHASING MY FIRST HOME, AND THIS COMPANY 'S FRAUDULENT ACTIVITY CAUSED ME TO BE DECLINED FOR THE HOME LOAN. THIS IS NOT THE FIRST TIME THIS COMPANY HAS DONE THIS. THEY HAVE BEEN ON MY REPORT BEFORE AND WHEN I REPORTED THEM AS FRAUD. THEY IMMEDIATELY REMOVED THE AMOUNTS. THEN A MONTH LATER THEY CHANGE THEIR NAME AROUND AND DROP MY SCORE. THEN I COMPLAIN AND THEY REMOVE IT. I AM SICK OF PLAYING WITH THIS FRAUDULENT COMPANY. SOMETHING SERIOUSLY NEEDS TO BE DONE. I WILL ALSO BE CONTACTING THE MEDIA ABOUT THIS COMPANY, BECAUSE THIS SCAM HAS TO STOP. WHEN YOU CONTACT THIS COMPANY THEY ATTEMPT TO USE BULLY TACTICS TO GET YOU TO PAY FOR SOMETHING YOU DO NOT OWE, BY SAYING THEY WILL PUT YOU IN PRISON, AND TAKE YOU TO COURT AND SUE YOU. WHEN I STATED THAT I CALLED THE COMPANY THEY CLAIMED TO BE " REPRESENTING '' THEY IMMEDIATELY GOT AN ATTITUDE AND SAID THE COMPANY WAS LYING, AND THAT I BETTER GIVE THEM MY CREDIT INFO OR I AM GOING TO JAIL. I SHUTTER TO IMAGINE HOW MANY ELDERLY OR YOUNG PEOPLE THEY HAVE SCAMMED. THIS NEEDS TO STOP NOW.
Since XXXX I have been dealing with citimortgage on modifying my mortgage through a program named naca. Since the time this has the company that citi was originally dealt with has lost my paperwork, changed representatives, and made me start the process over multiple times and asking for the same paperwork over and over that already existed within their system. I have suffered illness in the process and still was able to show income, promoted to a new job and salary and still declined. I was advised not to send a payment to citi at the time this all begun as I was told that they would decline the payment until the modification has been approved. Here I am now 6 years later, and citi wants a reinstatement payment of {$80000.00} or my house goes up for sale XXXX XXXX, XXXX. I have been given the run around from citi in more than one way and have been through the steps providing them with everything they have asked. I have emails from XX/XX/XXXX with my contact with all representatives, and the citi rep say she sees in her system that I have been trying to have a modification done since XX/XX/XXXX. With every decline my amount down goes up and the ability to start paying declined. Now they want {$80000.00}. I am a working father, married with XX/XX/XXXX kids and they are forcing me out of my home. I have saved money through all of my hardships and even while having my check garnished and tax returns taken I still have money to cover our mortgage payments for a entire year without touching my biweekly check. Somewhere something was n't done to help us, but through continuous restarting, re-requesting the same paperwork, and changing representatives we have gotten the raw end of this deal and will not become another foreclosure statistic.
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You MUST By law and the settlement remove the following my Bankruptcy and all accounts in the Bankruptcy. 
I have sent over XXXX letters and they have been ignored. 
XXXX Settlement reached in XXXX FCRA class action by : XXXX XXXX. XXXX Last week, plaintiffs in a Fair Credit Reporting Act class action against XXXX sought preliminary approval from a Virginia federal court of a settlement reached by the parties. 
The foundation of the plaintiffs ' claims involves alleged incorrect reporting of Virginia state court judgments against individuals. Specifically, that, in its consumer reports, XXXX lists judgments as unpaid, even though its records do not contain information on the current status of those judgments. The plaintiffs claim that this is in violation of a credit reporting agency 's duty to follow reasonable procedures to assure maximum possible accuracy of information contained in a report. 
According to the motion, the parties have litigated for over five years ( one of the two cases was initially filed in XXXX, and one was filed just this year ), stretching through discovery and into " extensive motion practice, '' including class certification. The parties entered into mediation, which reportedly ended in the proffered settlement. 
Under the settlement, XXXX will pay {$3.00} XXXX into a settlement fund for class members " who are most likely to have suffered credit injury, '' remove Virginia General District Courts judgments from the credit files of all persons ( class members or not ) for a period of no less than five years and provide to all class members four years of XXXX credit monitoring services or {$180.00} in cash. Any class members who believe they suffered actual damages as the result of an inaccurate report containing a Virginia General District Court judgment can reserve claims for those actual damages. 
Public Information Bankruptcy XXXX Experian XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XXXX/XXXX/XXXX Reference # : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : XXXX Court : US BKPT CT VA XXXX Liability : XXXX Exempt Amount : XXXX Remarks :
I have been XXXX since 2011. I have been dealing with this since 2011 and I will explain best way possible. XXXX has been taking money out of my XXXX check when I have sent paperwork in 3-4 times over the years. When I contact them on phone they tell me they have n't received any paper work but this is what we can do for you to give you time to send in again.dl they would say we will hold off for 2-4 months to give you time. 
after I send paperwork in immediatelty a month or 2 would go by and they will start taking over {$200.00} again. I do n't understand I would tell them I know I sent paper work in. I would tell them you see where you taking money from you know I have been XXXX since 2011 and you keep taking it. they would saour yes ma 'm we see its coming out of your XXXX but we need paperwork from doctor. this has been taking a real burden on me. this past month they started taking money out again and caused major chaos in my life. did n't have enough money to pay my bills or for co payments to doctors I have to see. so I had to skip some appointments. 
all i want is someone to help me to stop them from taking what I have proved. I am a small town XXXX person who really does n't know what to do. They saying I owe over {$8000.00} now and I am like how when I have sent paperwork in time and time again. please someone help me
I had a Discover card opened in XXXX, and it was closed in XXXX. I was XXXX to XXXX, and the debt was charged off. I received a Form XXXX Cancellation of Debt over 9 yrs  later added to my XXXX taxes. It was not sent in earlier years but tacked on at the last minute nor was I notified of this except from the IRS. Now it is XXXX, and I am still trying to get a letter to the IRS from Discover card that the error was on them and it should have been sent earlier. Discover card is not cooperating and I have tried to reach out to the management and have been told numerous times that they are not available.