WillisBack/dataset-financial-user-claim huggingface dataset:
am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.
On XX/XX/2018, I was informed through XXXX XXXX that my XXXX XXXX  store credit card had been closed as of XX/XX/2018, by a credit grantor. This was done very haphazardly and without warning. After speaking to a XXXXXXXX XXXX representative, I was told I was not able to reactivate my account due to inactivity. Being away at school for the past several years has restricted my opportunities to utilize the card for that period of time. I do not feel as though this account should have been closed without my consent in light of my situation. Furthermore, this arbitrary closing has also severely affected my credit score. As a long-standing customer with XXXXXXXX XXXX, I feel it is their obligation to intervene and rectify the situation. Thank you.
A chapter XXXX bankruptcy is being reported on XXXX, XXXX and Equifax reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still  remains.
Penn Credit Corporation at phone number XXXX has called me 44 times from the period XXXX/XXXX/XXXX thru today 's date of XXXX/XXXX/XXXX. I only started tracking the calls on XXXX XXXX when I realized there was a problem. When I answer the calls, a machine states " if you are this person, press 1 ; if you are not this person, press 2 ''. Nothing else. They do n't even mention the name of the person. I have not pressed either 1 or 2 as I am afraid it may be a spammer. I have researched this company and it is apparent there are many consumers and individuals also dealing with this company and harassing, repeated calls. I have no known outstanding debt, a great credit score, and have received no notices via mail or overnight delivery regarding outstanding bills from Penn Credit or any other company for that matter. On some days, I receive calls from Penn Credit Corp. two or three times. No messages are left. I am being harassed by this company and I want it to stop. Immediately.
Public Service Loan Forgiveness. I have been dealing with these people for a year. First I submitted all required forms in XX/XX/XXXX/XX/XX/XXXX. I should have been forgiven as of XX/XX/XXXX. They had me submit employment cert form at least 3 times which I did. They told me not to make further payments in XX/XX/XXXX because my app was on " appeal ''. I missed XX/XX/XXXX at their instruction. Later I was told that that information was erroneous.I timely paid XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was told to make 1 payment for XX/XX/XXXX and re-cert my employment. I re-certified my employment and called to make a payment. I was assured that it would be credited to XX/XX/XXXX. It was not. I have been told many contradictory things. I was told that the prior servicer informed them that I was in forebearance from XX/XX/XXXX-XX/XX/XXXX. That is not true. I uploaded bank statements and activity which show my student loan was being directly paid from my bank account during that time. I have requested a copy of my files ( FOIA ) and received nothing. I have received no word except that my loan, which was supposed to be forgiven in XX/XX/XXXX has now been reported delinquent to credit companies.I am still receiving bills for money that I do not, by law, owe. Because of this, my credit score went from XXXX to XXXX. I have been refused home improvement loans for a new roof. I did get one loan for a roof for which I have to pay exorbitant interest. I have complained via phone and email have have heard absolutely nothing. The government has completely ruined me and has not been following the law. I have been paying student loans on IBR at least since XX/XX/XXXX.
Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.
Received notice letters stating condominium insurance had expired, that no renewal certificate was received, and that force placed insurance would be purchased at likely higher cost. In fact, condo insurance had not expired and will be in force for more than 4 more months. Required me to spend time with my insurance company and then with Nation Star Mortgage ( NSM ) in order to straighten this out. Was told that their system failed to update. That can not be correct as there was nothing to update ( condo policy was XXXX XXXX - XXXX XXXX effective dates ). What bothers me more than spending 45 minutes fixing a non-issue, is how difficult NSM 's phone system was. Their system did everything possible to keep me from speaking to a human being. By the time I eventually spoke to one, he was very kind and ( eventually ) helpful. I pressed " XXXX '' over and over much to the automated system 's dissatisfaction. Should n't it be easier to speak to a human being?
Transunion is denying that they have a credit report for me, and/or refusing to provide me with a free copy of which I am entitled to per the Fair Credit Reporting Act.
I sent a Western Union transfer to an employee from my business account. The employee is in XXXX. The transfer went out to XXXX. The place where the employee is XXXX XXXX. When he went to pick up the money, he could n't get it because he is in XXXX XXXX. I called Western Union and they claim that they ca n't do anything but to cancel transfer, and I have to wait 1-7 days so that the hold can get off account before I can get that money to sent again. This is an emergency and I do n't understand if they are Western Union why does it have to be so difficult to change the location.
The Creditor is reporting past the terms allowed. Dates were change after each dispute to justify longer terms on a close account.
I filed a chapter XXXX bankruptcy proceeding XX/XX/XXXX, to include my 1st and 2nd mortgages with XXXX XXXX XXXX. My filing was discharge XX/XX/XXXX. XXXX XXXX XXXX then sold my loan to Nationstar Mortgage, who then began reporting 120 day late payments on my credit report from XX/XX/XXXX through XX/XX/XXXX illegally as I was no longer responsible for this debt. I have filed disputes with the credit reporting agency, I 've contacted Nationstar directly. Nationstar acknowledged my requests to remove the 120 day late reports from XX/XX/XXXX to XX/XX/XXXX, however denied my requests by stating that " they could continue to do this even after my bankruptcy was discharged for this debt ''. I have now been denied credit from this illegal reporting at this point.
Contacted Trans Union and I was instructed to fax to the fax number below to send a letter which I requested to not add any Fraud or OFAC alerts without my written consent, which I faxed on XXXX XXXX, 2017. Trans Union has willfully and negliently added a fraud Alert anyways to my account. I have provided the letter sent to Trans Union including the fax confirmation page and blocked my personal signature information from the notarized information for my privacy protection. 

Trans Union XXXX Fax : XXXX File number:XXXX Attn : Consumer Contact dept Reason for calling : Remove Fraud Alert
Portfolio recovery refuses to acknowledge my letters and disputes. They bought an account from XXXX XXXX that they insist was opened by me. It was not opened by me. They are nothing but vultures preying on innocent people. It almost seems like extortion, they report this negative information, which brings down my credit score, until I agree to pay for something that is not mine. This should be illegal.
We found Fraud transaction ( XX/XX/XXXX ) {$2300.00} on Business account of Chase bank. 
We did cliam ( # XXXX ) to Chase bank and they said they ca n't distpute because it 's already over XXXX hours. 

XXXX XXXX is take out the money from our account. 

The bleow information is for Fraud transaction. 
XXXX/XXXX/2015 {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID :XXXXThis is unahtorized transaction. 
How can we get back the money?
I had previously noticed this was on my credit report a few months ago. I sent out validation letters asking them to validate this debt they said I owed. They couldn't and by law the debt had to.oh been removed. I looked at my credit report and noticed this same debt collextor on there for the same debt, but they changed the open date!! The open date now is saying XX/XX/2018. This debt is about 3-4 years old. Its against the law to re age a collection. Another thing is I was NEVER notified before this. This company is a joke and honestly shouldn't be in bussiness. I have laws under the fair debt that protect me and my rights with this company have been broken.
I received a letter from a debt collector claiming to be collecting the debt on a credit card that they suppose I have, however I do not have said credit card.
Dear CFPB, There are four Collections accounts on my three credit reporting agency reports that are either not mine or are reporting seriously incorrect information.

For example, on my XXXX Report there are CAVALRY PORTFOLIO SERV with an open date of XX/XX/XXXX ; XXXX XXXX XXXX with an open date ofXX/XX/XXXX ; XXXX XXXX with an open date ofXX/XX/XXXXand a XXXX XXXX with a open date of XX/XX/XXXX. XXXX   and XXXX have similar Collections reported.

Last year, I contacted the three Credit Reporting Agencies about these four collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agencies did not respond to my request for validation.

I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time and so I know for sure these are not my debt as currently reported.

I am extremely worried that these collections are either not my debt or have been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency After contacting the collection agencies and the three credit reporting agencies, I do not know what else to do. Can you please assist in me in getting these four erroneous collection reports removed from my three credit reports?

Sincerely, XXXX XXXX
I dispute an incorrect item on my credit report, they completed their research and emailed me. The problems are : 1.They issued a response which had XXXX way to contact them. Their website has XXXX way to contact them. The phone numbers listed are not useful if you can not get a hold of the correct person. 2. The response was not clear. I either could not see an actual response or they copy pasted my credit score details as the response, leading me to believe they misunderstood the dispute. 3. They gave me 4 days to review, due to my schedule I did not get a chance to review until after the 4th day and the response is gone and with no way to contact them, I can not re-open this issue except to start over.
Hello ... 
I live in XXXX NM XXXX. 
my parents residing in XXXX sent me a money wire transfer through Western Union. 
I first went to XXXX. 
I was told I needed to have an account. 
I already have a bank account with someone else. 
I do n't need another XXXX. 
I checked on the net and from there went to XXXX. 
XXXX has a cap/limit of {$300.00} ... 
I am expecting at least {$3000.00}. 
I wasted my whole day trying to find a cashing place with no luck. 
I go home and call Western Union. 
an agent assures me that XXXX or XXXX will cash my transfer up to {$9000.00}. 
I call XXXX and told again the cap/limit is {$300.00}. 
I call XXXX and the lady there tells me " her machine '' is broken. 
she can not cash my transfer until it is fixed. 
the " machine '' had been broken for a week, she says ... 
this is a joke. 
we are talking about XXXX. 
a huge international company. 
they charged my parents ( in XXXX ) a huge fee to transfer this money. 
I am going to call back a few places in the morning. 
but I am just afraid I am going to have to travel to XXXX NM. 
if right, I am going to have to take the afternoon train, it is a XXXX miles round trip and will waste my whole day. 
this is just not right. 
what if I were XXXX or something like that? 
what if I did n't have the means to get to XXXX? 
I talked to my bank XXXX and unluckily, is not affiliated with WU. 
I thought WU would be faster. 
my parents are old. 
they wanted to send a international check. 
getting them to do a WU transfer was XXXX. 
well seems the check would have been a better idea. 
this is unacceptable. 
and I can tell you that WU customer service is useless. 
I talked to a manager. 
I told him that XXXX had a {$300.00} limit and the lady at XXXX claimed her machine was broken. 
I said what do I do to cash my money transfer? 
he replied ; you either have to wait until " her machine '' is fixed or file a complaint at the bottom of the WU website. 
that is all he had to say ... 
unbelievable ... 
sincerely, XXXX
To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My complaint is concerning Equifax and their credit score reporting methods. 

I submitted credit/debt collection errors through their website and, without addressing any of the issues, they lowered my credit score XXXX points. This represents a XXXX point difference between Equifax and other credit reporting agencies. 

There is no reason for Equifax to drop my credit score XXXX points. 

I want my credit score returned to normal and all of my submitted corrections to their inaccurate credit reporting repaired.
On XXXX XXXX 2017 at XXXX I received a call on my cell phone from XXXX but was not able to answer the call. Later that day, at XXXX, the number called again. This time I answered the phone with my name and the caller asked for XXXX XXXX. I responded that they had dialed the wrong number. They asked if I knew XXXX XXXX and I responded that I did know her ( she is my sister ). The caller said he was from CBE ( or something like that ) and had an important business matter to discuss with XXXX XXXX and he asked me to give him her number. I refused since I have no idea who this person is. After this phone call, I received several other phone calls from these numbers. I received a call from XXXX at XXXX on Saturday, XXXX XXXX 2017 and did not answer it. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX, 2017. I was able to answer the call. When I answered, the woman asked for XXXX XXXX. I told her This is not XXXX XXXX phone. Please do not call me again. I have already reported your company to the Federal Trade Commission
I had a 1 year lease for a duplex with a management company ( XXXX XXXX ) in XXXX XXXX TX. Management failed to address various maintenance issues, some of which posed a health risk for my sister who has severe reactions to certain allergens. I made repeated attempts to contact management by submitting requests through their online portal and by going to their office in person, which seemed to be the only effective way to get in touch with them. 

After months of failing to address our maintenance concerns, it was clear that XXXX XXXX had no intention of upholding their end of the lease, so I went to their office and told one of their epmloyees that I wished to vacate. Management agreed to terminate our lease prematurely, indicating that they would not refund our deposit, to which I agreed. They disabled my online payment portal on XXXX/XXXX/XXXX, so that I could no longer access my service request history or other correspondence I had with the management through their website. I never received any " Past Due '' notifications or other correspondence indicating that my account was thought to be in default. 

This account should have never gone to collections, and if it did it was only because some disgruntled employee at XXXX XXXX must have thought it would be funny. I never received any correspondence regarding a " Past Due '' account from XXXX or National Credit Systems, and I have n't received any other indication that there was an issue with this account until it appeared as a collection on my credit report XX/XX/XXXX. I have an immaculate payment history aside from this collection, not so much as a late payment anywhere on my credit report.
I contacted XXXX about a couple months ago and they did remove this time barred debt from XXXX credit bureau BUT NOT XXXX that has more than exceeded the time statute to collect at best this questionable debt of {$16000.00}. XXXX did remove this debt from experience and XXXX XXXX however it still remains on my XXXX XXXX XXXX XXXX credit report And needs to be removed immediately or I will have no choice but to pursue legal remedies since this debt at best is questionable and is time barred and has well exceeded the statue limitations
I 'm concerned that my social security number was exposed to the world at large by Equifax and their lax security measures, and it has been reported that Equifax is issuing seemingly random responses to those potentially impacted by the security breach. I do not have confidence that if I contact Equifax to inquire as to whether my information was leaked, I 'll get a straight answer.
Never received billing or other info regarding ownership status. Began to receive phone calls from a collection company XX/XX/2017. Company did not seem legal as they did not give me any written notice or other info regarding debt, required by law. Checked credit report found I had been placed in collection, without written notice of that happening. My rights have I feel been violated by unlawful business practicus
I received my credit report in XXXX of XXXX and noticed this collection agency called NATLCRSYS were trying to collect a debt from me for an unknown source called XXXX XXXX. I had no knowledge of this account that stated it was a collection of $ 1,000+. I attempted to dispute this debt in form of receiving VERIFICATION from this agency showing my signature on a contract where I agreed to owe this amount at any point in time. They have constantly updated this account on my credit report and closing the dispute without ever sending me verification of this account and the proof of how it is my debt. This has been going on since XXXX of XXXX. I would like to have this account deleted and removed from my account because it is not my debt to collect.
My lender, US Bank, has done everything possible to put roadblocks on the way to avoid providing any help for my financial situation. Each time I have filed for paperwork for modification, they have made mistakes and wrongfully calculated numbers or completely avoid communicating with me in order to waste time purposefully. As a result I am way behind on my mortgage and risk losing my home. Most recent application for modification was denied because they chose to calculate my income completely wrong. I have done everything possible and given them correct information yet they have constantly made errors and brought major point where modification programs are going to be expiring at the end of the month in few days and I will have no help from them or anybody else. According to them my monthly income is {$5400.00}. In fact my monthly income is {$7300.00}. If you start with wrong income, result would be wrong. I have tried everything possible to correct this error and have not gotten anywhere. I really need your help or I 'm going to lose my home and become homeless. Which I suspect is their intention.
In XXXX 2016, CitiBank advertised a promotion that if you put {$50000.00} in a Gold savings account that in three months, you would receive a bonus of {$500.00}. It is now XXXX 2016, and no credit has been made to my savings account. I have submitted numerous inquiries to the bank and they have been denied. I also contacted their executive response unit three times and received no response. I feel that these are deceptive business practices and other individuals across the nation have complained about this practice.
My mother, aunt, and husband received calls attempting to get in touch with me over an emergency business matter. My aunt was told by the caller that I gave her as a reference which I have never done. When I called the number and extension back, XXXX xXXXX four times, I only got a busy signal so I am unable to discern what the issue is in reference to.