WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX XXXX XXXX military member. 

XXXX XXXX XXXX  PUT AN XXXX XXXX XXXX a third party collection, not an attorney on my credit report without notifying me of anything. This third party agency ( FDCPA ) is reporting false data which is preventing me from obtaining business credit. I had an 11 month lease. I purchased an investment property and notified XXXX XXXX XXXX that I was in escrow and I was not renewing my lease and moving out. The contract amount/rent was {$2100.00} and XXXX XXXX was raising all tenants rents anywhere between {$2200.00} - {$3400.00} due to the renovations they were making. I paid my contracted XX/XX/XXXX -XX/XX/XXXX rent amount to XXXX XXXX XXXX for the month XX/XX/XXXX ( {$2200.00} ), returned the keys and the unit was move-in ready. XXXX XXXX was not able to get a tenant into the unit and tried to bill me for the vacancy - first {$920.00} and a third party put on my credit report that I owed {$3400.00}. I reached out to XXXX XXXX XXXX and their parent company XXXX XXXX for litigation, however, have been given me the run around. 

My security deposit was kept. I told XXXX XXXX XXXX   back in XX/XX/XXXX that I would not be renewing my contract and they tried to pressure me into renewing the lease. I never renewed the lease and told them I would be moving out in XX/XX/XXXX and I did. Another Veteran and I cleaned the unit and it was move in ready. 

No 60-day Notice of Intent to Report to Credit was received by the XXXX XXXX XXXX XXXX XXXX. I was not properly notified. Per U.S.C. 3711 ( e ) ( 1 ) ( C ), I am  entitled to a complete explanation of the debt, to dispute information in the records about the debt, and I am entitled to an administrative repeal and review of the debt. The XXXX XXXX XXXX XXXX XXXX ignored the " Justice/Treasury Federal Claims Collection Standard '' I asked for documentation ( a full copy of the lease agreement, accounting ledger explaining how the claim was calculated ) and have not been provided with the documentation requested. I also have been given the runaround by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and need the proper point of contact to respond to my complaint regarding violations of the FCRA and FDCPA. Their false reporting lowered my credit score and has prevented me from obtaining housing for my family. I also contacted the attorney general for an investigation for consumer fraud against military members and civilians.
i purchased an item of clothing. took months to get and returned in XX/XX/XXXX. they said three weeks for refund. i emailed dozens of time and no refund. all i want is my money back
I think 90 days is a more than reasonable amount of time for the credit bureaus to do their research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Equifax XXXX XXXX XXXX XXXX
Greetings, I have previously contacted XXXX, TransUnion, and XXXX   informing the company that I have been a victim of identity theft/fraud. XXXX, TransUnion, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, TransUnion, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you
I have contacted XXXX on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses except that they will not re-investigate what they are claiming is valid. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the Bankruptcy Ch.XXXX from my report as well as the account with XXXX XXXX XXXX XXXX XXXX XXXX
4 loans from XX/XX/XXXX-XX/XX/XXXX have been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX in which was deferred as I was a full time student
After first communication from XXXX for {$13.00}, called as they suggested if I could n't afford to pay. When I called they said very quickly " I did n't qualify and had to pay ''. After that received DAILY letters threatening me with reporting to credit agencies. Wrote them numerous times stating I was XXXX years old, am judgment proof ( last letter certified and I have receipt ), yet letters and phone calls continued unabated. Hospital takes blood and I do not know where it goes. I have no say in the matter. They continuously threaten to discontinue services. As if it could get no worse, they have now handed it over to a debt collection service ( American Medical Collection Agency ) who began with their threatening letters in addition to XXXX. They are making me sicker than I am by their continuing harrassment. I do not answer my phone and have missed important calls in connection with my health. They know full well my age and health. The phone and mail is driving me crazy. Please make them stop or let me know what action I can take against this unscrupulous operator who has spent more on calls and postage than the money they claim I owe. Paperwork can be furnished on request. PLEASE HELP!!!
I called Grant Mercantile Agency debt collector to verify company since I never received a bill for this amount from XXXX XXXX XXXX. I have received and paid other bills that have come in the mail from XXXX XXXX XXXX. When I asked for the company license number I was put on hold and then told I was n't allowed to have that information.
Chase is trying to charge me a second late fee and it is ridiculous and I refuse to pay it. 
The first time this happened it was a " technical '' error between my bank and theirs so they removed the fee. 
This time they set me up to make an auto payment on the phone on the last day of the month, full well knowing my payment is due on the XX/XX/XXXX and ten days late will give me a fee. 

My feeling is they do this on purpose, to make me pay fees. 
I will not do it. 
this is not something I did wrong, and I will not pay any late fees I am on XXXX and have very limited income. A late fee of XXXX or XXXX dollars is a lot What they are doing is fraudulent. 

They set me up for auto pay, with my bank account and the date. I called to set this up s. Why would they put it on a day where my payment would be late? NOT MY FAULT>
XXXX XXXX properties alleged we did damage to the carpet when we left & immediately turned our names over to a collection agency after we moved out giving us no time. The residence was still in our name when we the repairs were done, XXXX deposits & XXXX insurance to cover property damage were not applied though available to the landlord. We received numerous communications from XXXX Collect asking us for payment after we asked them not to contact us after not verifying the debt within 30 days of initial contact back in XXXX of 2015
I am being contacted by a debt collector for private student loans that have passed the statute of limitations. I have requested in writing via certified mail not to be contacted further by phone, yet I received another call today, XXXX XXXX, 2015, and this is nearly two weeks after they received notice not to contact. The firm 's name is Weltman, Weinberg, and Reis , Co., L.P.A. based out of XXXX XXXX, OH.
I submitted a personal loan application on the sofi  website and was instantly approved for $ XXXX on XX/XX/18. After a few days I received an email stating they needed my most recent paystubs, which I submitted shortly after. Then I received another email / text asking for additional information. 
I called and spoke with the customer service representative over the phone and she states that the underwriter needed clarification about a loan I took out with Sofi and paid off within 1 month ( I told her I had the funds and instead of paying high interest rate I decided to pay the loan off ). 
A few days later the underwriter XXXX called and I called him back and he asked the same question. Again I advised him that " I paid off for the loan within the month because I had the extra money to do so ''. 

Within 1-2 days I received a credit decision stating my application was declined. I called in a spoke with a few different customer services reps and an escalation specialist who all told me the reason for the decline was due to me paying off my loan within a month and that the company policy if that I have to make 3 consecutive payments before paying off the loan ( this was never stated in the original contract ) and because I did not meet the 3 consecutive payments and paid the loan off within a month they would not be able to approve the loan. 

I think this is very unfair to deny my application for paying off the loan within 30 days I met all the lender other qualification I.E. XXXX and Credit score requirement and would like to know how a company can make such decisions.
Stated they were collecting a debt regarding a XXXX XXXX card. I have never owned or used a XXXX XXXX credit card as evidenced by my credit report history. 
I 've asked to be removed from their call list and they refused. They 've called several times.
I asked Citibank to cancel an account that had a {$95.00} annual fee that I was not using. They said if I wanted they could give me a {$95.00} statement credit that would be applied against future purchases. When I called a month later to see where that credit was on my statement they said I had to make the purchases first. I did on XX/XX/2016, I then received the next statement- no statement credit was found. I called and was informed I had until XX/XX/2016 to make the purchases. I was never told that! They said they could not do anything and now I am paying interest on those purchases in addition to having a annual fee that I wanted to get rid of in the first place. It is complete fraudulence on their part.
XXXX XXXX client XXXX XXXX is an ID theft victim. Her information was used to apply for accounts with XXXX XXXX without her consent. While no accounts were established the fraudulent applications left inquiries on her credit reports. After several disputes TransUnion credit bureau is advising the inquiries are factual record and has refused to remove them from the credit file ; this is a direct violation of the FCRA.
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed this account # XXXX from stellar recovery does not belong to me and was opened fraudulently
XXXX XXXX XXXX - XX/XX/XXXX {$660.00} {$290.00} -XX/XX/XXXX {$250.00} {$61.00} -XX/XX/XXXX {$150.00} {$120.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} -XX/XX/XXXX {$150.00} I sent a debt validation letter to XXXX XXXX XXXX via certified mail requesting that the company provide a breakdown of fees, collection costs and medical charges. I also requested that I be provided a copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX. To date, I have not received the requested validation of the debts and HIPAA authorization as allowed by the Fair Debt Collection Practices Act.
I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about Transunion, XXXX, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.
I opened a checking account with HSBC on XX/XX/XXXX with a with a large initial deposit. The account was approved and the HSBC withdraw the funds from my external account. On XX/XX/XXXX I attempted to login to my account and received a notice that the account was suspended and to call a certain number. 

I called the number and after 30 minutes was told that I was speaking to HSBC XXXX, not US. I called a different number and was put on hold for 1.5 hours and had to hang up. I tried again at XXXX XXXX and was on hold for 2 hours before the call was disconnected. I am just trying to figure out why the account was suspended and how to fix it but I can not get through to anyone. While I am waiting I do not have access to my money.
my mortgage was transferred over to SLS back in XX/XX/2016 I was previously with XXXX I never received information from SLS until I notify them however every time I 'm trying to call them I can never get an answer and I would like for someone to call me. I have actually stayed on the whole for 30 minutes without reaching an operator.
I am writing to file a complaint against Chase Bank for moving XXXX of my transactions around to charge me XXXX extra overdraft fees. Currently, I have XXXX overdraft fee charges on my account, and I was expecting XXXX but I feel like the other XXXX are unjust. The XXXX transactions that I was unjustly charged the overdraft fees for were made before a larger ( XXXX ) cash advance. But, the cash advance ( made evening of XXXX XXXX ) was processed before these XXXX smaller charges, a XXXX XXXX charge on Friday XXXX XXXX and a {$10.00} ACH Debit on Monday XXXX XXXX, causing me to receive XXXX additional overdraft charges.
Called from a blocked number and threatened legal action in a voicemail. I already paid this debt prior to it going to collections, and I have the canceled check to prove it cleared to XXXX XXXX XXXX. Not only that, but this was a fraudulent account set up with my information without my consent and then not paid for by my ex spouse who works at XXXX XXXX XXXX, XXXX XXXX.
The debt collector claims we owe this bill. They say it was from a provider that almost XXXX me during a XXXX. I do not owe this debt.
I borrowed from sallie mae XXXX times XXXX in XXXX and another in XXXX and XXXX totaling XXXX. I was taking classes to become a XXXX but because of my ongoing health issues it was difficult for me to stay in school consistently, having XXXX XXXX and taking XXXX XXXX medications throughout this time I have still not completed school but have become XXXX but only making enough income to survive. Refusing to get onto social security income, my income is still limited. I am a mother and take care of my child with my income. This debt is XXXX years old but still remains on my credit report and although I borrowed XXXX total, it shows as XXXX on my credit report. XXXX XXXX is not the one calling and harassing me but another company, they have threatened jail time as well as putting a lien on my property, but I have no property so I am not sure if they are talking about my car which I am assuming they are. I have sat on the phone with them with tears in my eyes trying to explain that I have no way to pay, they then state that I am refusing to pay and, what kind of person gets a loan with no intention to pay. I did intend to pay this debt back, I thought that I would be healthy enough to finish school and have a financial stress free life, well I am not financial well off but I am still a happy person that is until I have negative people calling me at times that I asked them not to call and disrupting my business while accusing me of being a low life. I did not even know that they could do that. I would never recommend sallie mae to anyone based solely on the fact that they sell there debts to the worse people ever. They will not stop calling me. and are very evil people. I have learned to try and avoid them but they call over and over if I dont answer the phone and willl even call from blocked numbers if I dont answer the phone.
Dispute is with LendingTree, an agency who claims to provide you with options to " save '' on your current auto loan. I am very disappointed with the service! Numerous ( separate ) inquiries by their partners were done after accepting their offer to " save ''. I called the different companies who inquired on my credit and was told that the authorization to pull credit was submitted by Lendingtree. I did not authorize for separate inquiries to be done! I called Lendingtree and was expecting for them to be " apologetic '', instead the representative showed no apathy. She mentioned that the disclosure to run numerous inquiries was on the request. I checked the application and the disclosure was very subtle, thus very deceiving. After all this commotion, I did not receive an offer that would actually save me money.
Debts reported to credit bureaus by XXXX XXXX XXXX cell phone company.. Fraudulent activities, was done to account and I had reported to XXXX XXXX XXXX cell phone company, but they are damaging my credit. Wrongfully charge {$1700.00}
I have tried on multiple occasions to get XXXX to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call XXXX and are told that they ca n't make changes to my credit report. This is after XXXX reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' XXXX reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or XXXX, all because XXXX wo n't give me the correct information and proper tools to do their job for them. Experian is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.
On XX/XX/2018 I requested Equifax to renew my Extended Fraud Alert for a new 7 year period they refused saying I needed a new Police Report I am not filing another report this is a renewal not a new request they have no right trying to burden me a ID THEFT VICTIM telling me to file a new report and send them a new copy I am not going through that again
I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX  ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
I was behind by over a year in payments and was not even aware this had happened. I called Navient to explain to them that I was unable to pay what they were wanting every month and if I had any options in lowering the payment or even a forebearance. I was hung up on. 

I tried again a month later and the best they could do is a temporary forebearance. So I took it. Now my income driven plan is ending so I called to discuss renewing it. I make the same amount of money as last year and was told that I was n't eligible and again I was hung up on. With XXXX dependents with major health issues and a stagnant income I ca n't afford full payments. I need help
The state of Illinois put a lien on me for supposed back payroll taxes. This lien has been removed, as it should have since the taxes were estimated by the state and never owed in the first place, I had no employees during or since the periods in question. The Illinois Appeals board has removed the debt from me on XXXX/XXXX/XXXX. I have tried several times to get each of the credit reporting companies to remove this from my report but they keep telling me that it is still being reported by the state. I have and will attach a copy of the letter I received freeing me from the debt which I believe should also clear this from my report since these taxes were never owed in the first place. I have been fighting the state of Illinois since XXXX on this and should not have to have this phony tax burden hurting my credit it is making things very hard to move on with my life.