WillisBack/dataset-financial-user-claim huggingface dataset:
Only reported to XXXX, a hard inquiry was placed on XX/XX/XXXX and XX/XX/XXXX was alerted to the change by the free monitoring service by XXXX this XXXX. This would only occur upon applying for any Chase related credit or finance which I never have and there is an immediate negative affect on my credit score. I need immediate removal due to their error. This happened last year which was resolved and removed by XXXX XXXX, which I was informed handles most XXXX credit cards as their bank. They submitted an apology letter to me and informed XXXX who they report to remove the mistake and inform the other two agencies. That's the simple and fast resolution I want and it didn't need to drag out.
This student loan was submitted and approved on line by an identity thief. I have submitted over 100 copies of the police report and federal identity theft report over the last 8 years. The company refused to provide the on line application IP address and supporting documents to both the local and state police. The company refused to submit the same information to the federal ombudsman during her investigation. The company refused to provide where the money originated and where it ended up. 
The company has filed to withhold my federal tax returns and any other federal monies owed to me ( over {$20000.00} so far this year ). When I contacted the company 's lawyer, he told me " so what, you owe it because your name is on the online application ''. 

Since the company refuses to work with the state and local police to find the thief, I can not prosecute. 

The company has now placed over {$120000.00} in interest and penalties on this illegal transaction.
After reviewing my credit report I noticed an inquiry on there being reported by XXXX XXXX XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX XXXX XXXX XXXX never responded to my certified letters and after calling and speaking to a supervisor, I was told an account was opened in my name online, an online order was purchased, returned, and canceled. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. The supervisor stated that she DID NOT have this information because her records do not go back this far but I could fill out a fraud alert form & then it would be deleted. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters from this Company. I filled out the fraud paper work that the supervisor referred me to  & as of today, it is still reporting. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
I am filing a complaint against Equifax, for continuing to report a Chapter XXXX Bankruptcy on my credit file. I have sent numerous letters to include the letter from the Bankruptcy court indicating that they do not provide information regarding bankruptcies to credit bureaus. I also included a letter from XXXX XXXX stating that case # XXXX has been removed from my risk view report. Lastly, I sent a copy of my XXXX  credit report showing that the bankruptcy was removed from my credit file XX/XX/2018. I am demanding that Equifax removes this public record immediately. I have sent viable evidence showing that they are reporting incorrect information that can not validate.
Experian failed to properly protect consumer information and my personal information was collected by hackers on their systems. I have zero confidence in their ability to investigate and remediate.
I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX/XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}
For years experian has my name as XXXX XXXX XXXX XXXX. I am XXXX XXXX a woman. My husband is XXXX XXXX XXXX XXXX. This company is so in component they ca n't even get my name correct. I 've sent in proof so many times its ridiculous now. If they have my name wrong, how can they possibly actually be disputing items I have requested? They have the wrong name. How are they calling these companies with a fake name to verify? They are not, that 's how. They lie and never even dispute anything. I 'm attaching the report I got in the mail today and my license.
In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.
XXXX XXXX XXXX is a senior on XXXX XXXX living alone and in and out of the medical facilites for various medical treatments and procedures. She did in fact hire several law firms to take care of her bills and and her home and all 3 of the the law firms with licensed lawyers with so called experience took her money and even the attorney she gave her check book to pay her expenses is no where to be found. 

After returning to her home she found that none of her bills ( even her utilities were off ) nothing was paid as well as her mortgages. She is now faced with a foreclosure on a second mortgage serviced by Ocwen Loan Servicing. She has tried to speak to Ocwen but has not been able to work out any solution so far. 

She is facing foreclosure on XX/XX/2017. She pray that she will have a chance to save her home. This is a XXXX second loan serviced by Ocwen. 

XXXX has monies available to her that she inherited from her late husband. 
She is able to make payment arrangements and she need and want to save her home. 
She is looking for help ... Please help her!
XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations
I am the the personal representative/successor trustee for my mother-in-law, XXXX, who died on XX/XX/XXXX. She maintained checking account and safe deposit box at Bank of America Branch located at XXXX, FL XXXX. 
On XX/XX/XXXX I went to that branch and spoke first with a XXXX and then with the purported branch manager, XXXX. I presented them with copies of pertinent parts of a will, pertinent parts of a trust document, and death certificate and asked to be permitted to search the safe deposit box pursuant to Florida State Statute 655.935. I was denied my right to search the safe deposit box pursuant to valid Florida law. This has caused me time and expense since I do not live in that state and now will have to spend time and money to travel back to Florida as well as retain and pay for an attorney to obtain a court order to force the bank officials to comply with the laws in Florida.
XX/XX/2018 sent a request to Equifax to open their files and provide me with documents who match with mu records because what they are reporting in my credit is inaccuarte and is hurting dramaticly my score and my ability to access better chances in my financial situation. 
I sent proof to Equifax with notarized letter and certified mail showing inaccurate information with accounts containing information from the same source but with different values. 
My requesting was to remove and delete those accounts brcause clearly Equifax is in violation of the FCRA posting wrong information in my credit report vs the other 2 bureaus
We have initiated a short sale request with the XXXX Lien holder CIT Bank XXXX in order for to get a review for a Short Sale Approval from the XXXX Lien holder they have requested we provide them with the payoff from the XXXX Lien holder. A payoff was requested Monday, XXXX XXXX and the turn around was 5 days or XXXX, 2016. In our follow up they moved the completion deadline to Monday, XXXX XXXX, 2016 and CIT Bank set another deadline to Tuesday, XXXX XXXX, 2016. During our follow up yesterday, XXXX XXXX XXXX, 2016 they said they could n't provide a payoff because the loan number was incomplete. We compared our request to the loan number on an old statement and the loan number used to initiate the short sale and they all match. We have made several phone calls and have been transferred multiple times and we have no cooperation.
My ex wife used my social security number and obtained a credit card in my name, while XXXX and its affecting my credit score
I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called ERC to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.
I applied and received a conditional approval to refinance my home on XXXX/XXXX/2016. My rate was 2.75 % on a 5/1 ARM with a 30 year mortgage. The balance on my mortgage at the time of application was {$400000.00}. ( not a jumbo loan ). I gave the estimated loan to value of {$550000.00}. I paid a {$500.00}. deposit to insure my rate until XXXX/XXXX/2016. I uploaded all documents requested and e-signatures upon immediate request. My appraisal took place on XXXX XXXX, 2016. The results of which were XXXX pages and valued my home at {$670000.00}. Everything seemed to be in order. I was told on XXXX/XXXX/2016 my payoff amount was being ordered from my bank and the closing would be scheduled easily in time for XXXX/XXXX/2016. More than a week later I still had not heard anything and contacted Quicken Loans again only to be routed to another handler, a solutions consultant who told me I had to have another appraisal because of my outbuilding, as there were no comparables. This made no sense as there are plenty of properties in my area with outbuildings of various types. I spoke questioned the need as the appraisal was more than what I valued the home at and clearly poses no risk. I was told it must be done. I waited to be contacted for a week by another appraiser and never was. Meanwhile, the looming deadline was drawing near. I was told since I had everything in order and Quicken wanted the second appraisal, they would pay for it and a 15-day extension. I voiced my concerns about getting it done on time and was told not to worry about something that had n't even happened yet. So the deadline passed and I still had not heard from an appraiser. Finally the solutions consultant calls and tells me they can not honor the 5/1 ARM at all because of the outbuilding and I will have to do a 30 year fixed at 3.5 % and still do another appraisal. I was concerned they were trying to wiggle out of the 2.75 % rate lock as rates have increased since I locked. My new expiration date on the 3.5 % 30 year fixed is XXXX/XXXX/2016, but I still have not been contacted by an appraiser. When the solutions consultant first told me of their inability to honor my original rate lock, I said I want my deposit back and I will go elsewhere. He said that was unlikely but had me discuss my case with another handler who would review my case and get back with me. I spoke with my client care specialist on XXXX/XXXX/2016 and said I would like to proceed with the 30-year fixed if they wo n't honor the 5/1 ARM at 2.75 %, but at this point I have not idea where my refinance is. I feel like Quicken is trying to wiggle out of the agreement via this ridiculous claim that the appraisal revealed an outbuilding they can not find com parables for. My home appraised for more than enough to completely discount that building and still validate the loan to value that was originally approved. I have all supporting documents in hard copy, but was having trouble scanning to upload. All documents are available on their website, but not accessible for the purposes of copying and pasting. I have all of the loan estimates, appraisal, etc. on hard copy if needed upon request.
On XX/XX/2016, XXXX, promoted and sold to me a so-called " XXXX '' package that promised outstanding income for selling on XXXX. The attached documentations show that XXXX XXXX did not deliver on the services as agreed. I have contacted Citibank on three occasion seeking a solution to this dispute. They refuse honor my claim on grounds that they can not get in touch with XXXX XXXX, since they have since been closed by the FTC.
I talked to representatives at Transworld Systems. I spoke with " XXXX XXXX '' and her supervisor " XXXX XXXX ''. I explained to them that I was disputing the bill of XXXX from XXXX XXXX Hospital. I explained to them that I needed an itemized bill. I explained to them that they should send this bill back to XXXX XXXX because I was not giving up my HIPAA rights to Transworld. XXXX insisted that they can get an itemized bill. I tried explaining about HIPAA. Transworld need to be educated about HIPAA because they can be fined with an enormous penalty. I work in XXXX and Transworld is violating HIPAA when they say they can get an itemized bill of health procedures.
We lost our household main income in XX/XX/2016 and got behind.We saved our house 1 time before and had to pay over XXXX dollars to do so as first loancare said you owe XXXX which is way larger amount than our amount of delinquency. We got loans sold items paid the amount. Then they said it wasnt made in time, house was already sent to foreclosure we had to pay another XXXX to get it from there and back to legally mortgage. We almost lost everything we owned cars etc to pay this amount but saved it. Now owe so much on loans we had to save it the 1st time we got behind again this year. Weve offered fo pay 2 months as they are saying 3 are due even if XX/XX/XXXX. Isnt even here yet, but they said theyd refuse them. I'm calling HUD on Monday, but there has to be some help out there with these people. It is every 6 months them doing something mike this to us. Weve tried the loss mitigation with the company they refuse is except the 1st time 24 mo ago lowering our payment by {$20.00}. But that was prior to the job I was at letting me go.
I woke up in a hospital on someday in  XXXX . It 's  XXXX  and I 'm getting repeated phone calls from a collection agency stating that I owe over a {$1000.00} dollars for an ambulance ride. I had active medical coverage at the time. This should have been billed to my insurance because it was active during that time.     The ambulance company ma de zero at tempt to notify of my bill. The bill was never mailed to my address , ( wh ich they had on file ), and no email was ever  sent ( which they have my email as well ). And no p hone calls were made in an attempt to reach me.     Now it is too late for this bill to be ran through my insurance because the claim is too old.
Keeps leaving threatening messages for my half-brother who I have never lived with or shared any type of an account with.
Ive been speaking with XXXX XXXX from the advocate department regarding incorrect information reporting to my credit report. I received a response on XX/XX/2018 and the late payments were updated from 8 to 5 late payments but it was only updated on one report the XXXX report. When Ive been trying to email and ask for a response to have the accounts updated on all of the reports I have heard no response. I have sent multiple emails asking them to update my Experian and XXXX  reports as well and have had no response.
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on  XX/XX/XXXX  two days later on  XX/XX/XXXX  I received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 2 days after the receipt of dispute call, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted.      XXXX   XX/XX/XXXX   XXXX   XXXX ,  XXXX .  XXXX / XXXX / XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX
I applied for a VA loan from Fairway Mortgage and endured an overwhelming disregard for accuracy in processing the loan and resulted in my Real Estate Broker questioning the loan processing. During this time it was falsely disclosed to my Broker that my rate was set higher due to a prior default on a VA loan. This is blatantly wrong on two counts the first of which it would be a violation of the Fair Credit and Reporting Act to disclose any information from my credit file and  secondly to fail to disclose to me, borrower, reason for a higher rate. Lender refused to acknowledge a violation and continued to delay my loan closing.
I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : XXXX XXXX XXXX Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).
got loan from HSBC OR bENEFIAL FINANCE FOR MY HOME XXXX XXXX XXXX, LATER I HAD TO FILE BANKURUPSY BUT HOME NOT INCLUDED THE DROPPED MY PAYMENT TO XXXX A MONTH PAY OFF SAYS XXXX PLUS ADDED FEE FOR XXXX I HAVE NEVER SIGNED ANY PAPERS WITH THIS COMPANYM LIVED HERE SINCE XXXX STILL HERE AND STILL OWE THIS MUCH MONEY? I HAVE NO PROBLEM MAKEING MY PAYMENTS TO XXXX WHICH HAS THE LOAN NOW, JUST DONT UNDERSTAND XXXX EXTRA NO MODAFCATION PAPERS WERE SIGNED EITHER I WANT TO PUT MY CARETAKER ON THE REFINANCE BUT THEY HAVE HIM ON THE LOAN BUT NO DEED IIAM THE ONLY XXXX ON THE DEED PLEASE THIS HSBC OR BENEFICIAL ARE RIPPING ME OFF I HAVE HAD XXXX AND CANT AFFORD AN LAWYER WHAT DO I DO?
Chase Credit Card Services charged all of me purchases at the higher - cash advance interest rate for over 8 years and would not change it to the lower rate. As a result, I ended up paying {$1000.00} more than I should have. After multiple attempts to have this corrected, I had to pay off the card and close it. This also hurt my credit score.
Equifax is showing a derogatory account on my credit report with no creditor name. Please see the attachment.
Has not reported payments to the Credit bureau. Refuses XXXX recognize that I was discharged from a chapter XXXX therefore not allowing my account to be eligible for services that could benefit my account
I ( XXXX XXXX ) contacted Ad Astra today XX/XX/2018 at XXXX to attempt to settle a debt. I am not acknowledging the liability of this debt. I spoke with a rep and she stated to me Ad Astra never sent validation of this debt. The rep stated I have the company on do NOT contact which I have never done so, therefore they ca n't validate the debt. The company admitted to not being able to validate this debt. Under FDCPA and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. This debt needs to be removed immediately from my credit file ( XXXX, XXXX, XXXX ).
I disputed an item on my credit report with Transunion. There was an XXXX XXXX card ( which is my account ) reporting that the limit on my card was {$5000.00}. My actual limit is {$11000.00}. I submitted my dispute and stated that the terms were incorrect. Transunion removed the account from my report altogether. This account had a positive impact on my score while I 'm in the midst of trying to obtain a mortgage! I called Transunion and they told me to contact XXXX XXXX to request that 's it 's added back to my report. I was told by a rep that Transunion will not allow them to reinsert the item onto my report.
I attended XXXX University and paid off XXXX of my Navient Loans approximately 4-5 months ago, and still have not received a " Paid in Full Letter '' as promised by them, several times. Therefore, I am sure that this loan is still negatively impacted my credit.