WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a credit inquiry for XXXX XXXX was placed within my XXXX, Equifax, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and XXXX, but Equifax still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now  have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my Equifax report, and one unauthorized inquiry on XXXX and XXXX ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.
I applied for USAA XXXX credit card on XX/XX/XXXX by telephone. I was responding to an email marketing/invitation from USAA for the credit card. The representative told that a further evaluation needed to done with my application and that I would have to wait a couple of days for their decision. Subsequently, USAA stated that they would need additional identification from me to establish confirmation that I was who was making the application. I emailed the requested four items of identification ( driver 's license ( front and back ), social security card, copy of my military XXXX and recent utility bill showing residency ) to USAA on XX/XX/XXXX and I received a receipt confirmation email from USAA the same day. 

I attempt several times to follow-up with USAA regarding the status of my application by telephone and even wrote an email to their " XXXX '' addressing the situation on XX/XX/XXXX. I got no response to the email sent. XX/XX/XXXX I received a postal letter, dated XX/XX/XXXX, from USAA stating that my application was declined because " Unable to verify applicant 's identity ''.
I have a hard inquiry on my account for a card from Barclays Bank that I never applied for. it is on my credit report and it 's hurting my chances fro certain things.
I am trying to get a refund for a western union check that was stolen. ( XXXX ) I sent in a police report and a XXXX check for it to be researched. They tell me I am unable to get my monies back. I made a complaint to the ceo office ( XXXX ) I have heard nothing.
On XXXX/XXXX/2015, Rushcard scheduled system maintenance that would not allow me to access my funds or making any transactions between XXXX and XXXX. At approximately XXXX on XXXX/XXXX/2015, I was notified that the system updates were delayed but ATM transactions could be done. Since then I have not been able to access the funds in my account and have not received notification of the direct deposit I was supposed to receive today on XXXX/XXXX/2015. I have contacted customer service by phone at least 5 times. Two of those five times a representative told me that the issue would be resolved on the evening of XXXX/XXXX/2015. I have also contacted the company 's XXXX and XXXX, along with XXXX of other customers, to try to get answers. This is unfair and unacceptable, especially when I have a child to feed and bills to pay. Rushcard is seriously messing with the livelihood of its customers right now. I have gone over XXXX hours without being able to access my funds.
XXXX XXXX XXXXl XXXX. 
opened XX/XX/XXXX I had XXXX 3 weeks after transferring jobs. my previous employment I had insurance, and did n't receive insurance for 90 days at the new job. I was eligible for XXXX insurance but they did give it to me. 

XXXX XXXXs XXXX XXXX opened XX/XX/XXXX I gave them my proof of insurance but they did except it..
I've went into a pawn shop to get a loan on an item I had. this pawn shop was familiar with the item from a previous time I receive a loan on the item.

About 3weeks to a month later I notice my information was released without my consent. I was really upset about that.. Seeing it caused all type of friction a XXXX XXXX and stress in my life that I did not need!
I was delinquent on a Citibank Credit Card. The account was passed onto a collection agency. The collection agency and I agreed to a settlement but asked me to make minimum payments until I was able to come up with the lump sum. I asked if payments would be credited and counted towards settlement and collector said yes. My employer sent in a XXXX payment for me XX/XX/XXXX. Citi cashed the check but then put a hold on crediting my account. Thus making the account appear unpaid per the agreement with debt collector. 
Several WEEKS went by and the account was returned to Citibank. I received a bill dated XX/XX/2016. I was asked to pay entire amount. I called CITIBANK spoke with an agent and asked if i should make a minimum payment? I was told NO. Wait until we finalize our review of the {$300.00} Payment ( THAT WAS ALREADY CASHED MIND YOU ) sent in XX/XX/2016. I called in a week later to check the status on the {$300.00} payment and to see if I could finalize the already agreed upon Settlement {$3900.00} minus the two payments totaling {$500.00} ( which I was told by XXXX XXXX XXXX ) it was approved by their client CITIBANK. I was told to call back again. I called back two weeks later only to find out that the account had been CHARGED OFF and was now reflecting so on my Credit Reports. 
My credit has taken an enormous Credit Score hit and I am now having difficulty leasing a vehicle. If I am approved, I will be required to pay at a much higher interest rate along with a large down payment that otherwise, would not have been required. I would like CFPB to send a dispute letter to Citibank and simply ask them to review ALL recordings. I wou ld also like the CHARGE OFF removed from my credit while honoring the settlement agreement I had in place with the collection agency that CITIBANK assigned to the file.
I ordered specific services from XXXX they swore I had them and for the next 5 weeks ( approx XXXX. All the back and forth was by phone or net chats. They say they record these calls but I doubt it. The most specific was XXXX XXXX Ohio ( XXXX XXXX games. They said I 'd have it on XXXX. My converter was not capable of receiving XXXX digit channels. I paid that bill and other overcharges. Then I fired them. They never provided the services ( XXXX other ) channels. They commited fraud and misrepresentation. I 'm not paying for something I will never receive. They turn it over to some collection co. names DCI. I sent them XXXX pages of proof on my part but they turned it into the Credit Bureau anyway. I 'm on Social Security and VA XXXX and just turned XXXX and I ca n't be wasting the last years of my life fighting these lying theives. XXXX XXXX is what I call them. Sincerely, XXXX XXXX XXXX XXXX.
These debts from XXXX hospital are from XX/XX/XXXX and XX/XX/XXXX, I do n't understand why Capio put in my credit report that these accounts were opened in XX/XX/XXXX.
I was served a notice of default by a seller trustee. I had never heard from my reverse mortgage company. In fact, I was told by the seller trustee that my reverse mortgage had been sold to another lender. It has been 3 years, almost 4,, since I have had a statement, or any kind of contact whatsoever. I was told by my original lender that my taxes and insurance would be paid out of a fund they had, and there was enough to cover it. In XX/XX/XXXX I received notice of default, they claimed they had tried unsuccessfully to reach me, however the seller trustee had no problem in locating me. I am in my home and have been here since XX/XX/XXXX. Lender stated that they had received mail back from an old mail to address. I called immediately upon receiving notice of default. I was given an amount and tried to pay it that day. I was told that the representative would double check the amount due and all back in two weeks. She did not call, so I did. I was told the amount was now {$1700.00} higher than the amount originally quoted. I asked for a written statement on exactly what I owed. To date, I still have not received this statement and I have made XXXX different requests since XX/XX/XXXX. I called again XXXX weeks ago, asking for the amount and it is now another {$1000.00} higher. I can not get any information, they will not tell me where to mail the payment, and when I ask to speak to someone in charge each person tells me they are in charge. Citgroup has refused to take my payment, has refused to allow me to pay it off in installments, made no attempt to notify me that I was in default and now refuses to give me the address to send the payment. They have now set a sale date for my home of XXXX XXXX, XXXX.
I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX  XXXX XXXX XXXX, FL XXXX - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 )  XXXX  Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX  Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX    XXXX XXXX Acct # XXXX Please remove the following fraudulent inquiries not made by me : XXXX XXXX I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
I have asked Experian to investigate and if not verifiable delete negative information on my report. I have explain and shown Experian the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Experian has responded twice that the information is accurate according to the furnishers of the information, also sending a final notice that unless I send additional relevant information that supports my claim they would not re-investigate the dispute accounts again.
I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Terrible experience with F ed LoanServicing.  I am in the PSLF program. When I submitted my first ECF, my loans were switched from  XXXX  to FedLoan. I received no credit for past qualifying payments for PSLF that were amde while being serviced by  XXXX . I called a few times and finally someone was able to " help '' me.   They said my account files needed to be thoroughly reviewed, and that I would learn of the results of the review  in 12 weeks. It has been more than 12 weeks and no one is able to say anything other than : File is still being reviewed.
I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 Alltran Financial , LP XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the XXXX Account. I have paid this bill in full to XXXX on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to XXXX bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
On XX/XX/2019 my mortgage was transferred from XXXX to Mr Coopers. I made my XXXX mortgage payment to XXXX and they cashed my check and funds deposited in XXXX XXXX. When the mortgage was transferred my XXXX payment was supposed to have transferred. I waited till XX/XX/2019 to check my account at Mr Coopers and I found that my XXXX payment was not posted to my account. I called XXXX on XX/XX/XXXX and could not get past the customer service operator. The best that she could tell me was the loan and everything that went with the loan was transferred to Mr Coopers XXXX XX/XX/XXXX. I called Mr. Coopers on XX/XX/XXXX and again could not get past the customer service operator and all she could tell me was I owed {$620.00}. For 25 days of calling both company 's I finally Got a person to give me some direction on what to do. She told me she started a missing payment complaint. I told her I had Canceled checks of my payments as proof my mortgage payments were made. She told me to send copies and gave me the address. I sent copies to the address certified mail and they were delivered to that address on XX/XX/2019. As of today XX/XX/2019 I have not heard from Mr Coopers nor has my problem been fixed. I did Make another payment on XX/XX/2019 on bill pay to keep from getting a bad credit report. As of this date XX/XX/XXXX I show I should be paid up till Through XXXX next payment due in XXXX. Mr Cooper has me as being paid through XXXX next payment due in XXXX.
Dear Sir/Madam, I recently received a copy of my Experian and XXXX credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by Experian and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( experian report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( experian report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 3- ( experian report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX4- ( experian report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 7- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX  report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( XXXX   report ) XXXX Inquired on XX/XX/XXXX
My deceased mother 's past due credit card has been put on my credit report in an attempt to come after me. Her estate is in probate and everybody will get paid when the estate settles unless her creditor refuses to get off of my credit report and continues to cause me to be denied credit. XXXX deleted the account off of my report based on my information. Equifax refuses to do the same.
Credit Karma has had a temporary frozen dispute since XX/XX/2018 can not get them to correct problem contacted them # 6 times so I can not dispute balances on credit card balances which are usually # 2 month behind So this is keeping my credit scores down
On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account
There are collections on my credit report that are not mine i am going to list them here.        1.    XXXX   XXXX   XXXX   -  XXXX   2.    XXXX   XXXX   XXXX   -  XXXX   3.    XXXX   XXXX   XXXX   -  XXXX   4 .  XXXX   XXXX  -  XXXX   5.   XXXX   XXXX  -  XXXX  6.  XXXX   XXXX  -  XXXX  7.  XXXX   XXXX  -  XXXX   8.   XXXX   XXXX  -  XXXX   9.   XXXX   XXXX  -  XXXX   10.    XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX
On or around XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. Most of the paperwork was already in order and all I needed to do was sign, which I did. The payments were {$520.00} for I believe 72 months, which I agreed to pay. Six or seven months after purchasing the vehicle I noticed that the finance company, XXXX XXXX, was reporting negative remarks to the credit bureaus stating that payments were late. I contacted XXXX and I was told that it was an error and that it'll be corrected. XXXX XXXX never corrected the negative payment history that was being reported. Two and a half years of paying $ XXXX a month, XXXX XXXX   decided to report my account as a charge off even though all payments were paid and up to date. XXXX XXXX has reported that I haven't made any payments on {$20000.00} loan. That information is false and I have every receipt for each payment made.
I used XXXX ( XXXX ) through my chase app to pay someone for concert tickets. Turns out the person was a scammer and did not send me any tickets for my payment of {$280.00}. I have filed a claim with chase and they have told me that there is nothing they can do other than wait for a response from XXXX. I call XXXX and they tell me that there is nothing they can do. I just find it hard to believe that both Chase, who Ive been banking with for years, cant do anything to recover the funds. Im getting very frustrated since no one can do anything to help me.
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off XXXX credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had XXXX credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost XXXX points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue Equifax, XXXX XXXX XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost XXXX points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for Equifax it has n't gone up hardly any points after paying XXXX credit cards to XXXX, and experian this is so frustrating.
I did not pay my tax on time to the New York State, then I received a letter from the county clerk and paid it the same day to State by phone. I just found out on my credit report as negative against on two occasions. Why should these be on my record?
I contacted quickenloans about getting pre-qualified for an FHA Mortgage. The agent pulled my credit reports and said that while my credit score qualified me for a loan, they could not proceed because I have disputes on my credit report. It is my understanding that under CFPB regulations, credit can not be denied for " exercising in good faith a right under the Consumer Credit Protection Act ( such as disputing information in your credit report ). ''
I filed an FTC Identity Theft Report on XX/XX/XXXX stating that there is a bankruptcy on my file that I do not recognize and am not sure it is mine. The FTC Report number is XXXX. I faxed a copy of this report to XXXX, XXXX, and EquiFax. I invoked FCRA 605B ( 15 U.S.C. 1681c-2 ) with XXXX, XXXX, and Equifax Both XXXX and XXXX removed the bankruptcy from my credit report with the time required by this statue.

I contacted Equifax on XX/XX/XXXX to find out the status of my dispute. The female representative when on to say, Even though its an identity theft claim, a 30 day re-investigation process is required. '' I requested to speak to a Supervisor, and I asked him about the status of my dispute. Supervisor XXXX repeated the same statement the female representative told me. I mentioned FCRA 605B ( 15 U.S.C. 1681c-2 ) and informed Supervisor XXXX  they had 4 days to remove this from my credit file. Again, he stated they have 30 days to verify the claim. I informed supervisor XXXX   that FCRA 605B ( 15 U.S.C. 1681c-2 ) superceds the 30 day dispute timeframe.

As of the writing of this letter on XX/XX/XXXX Equifax has still not removed the bankruptcy from my credit file. Their delay is impacting my real estate business from securing a loan to run my business.

How can Equifax violate US Federal law and do what they want when the statue is very clear as to what they must do to comply with the law.

I also sent Equifax an Intent to sue letter for failure to comply with FCRA 605B ( 15 U.S.C. 1681c-2 )
Attached is a copy of a collection letter from ProCollect addressed to my deceased wife, XXXX XXXX, who died on XX/XX/XXXX. Approximately 2 years ago, ProCollect started contacting my wife by phone/mail regarding this debt. At that time I contacted ProCollect by phone regarding the alleged debt and was told that it was for an emergency room doctor who treated her at XXXX XXXX XXXX prior to XX/XX/XXXX. ( I do n't recall the exact year, but it was prior to XX/XX/XXXX. ) This was the first contact that I can recall that was ever received regarding this debt. I verbally explained to ProCollect that it appeared that the Texas statute of limitations ( 4 years ) had expired on the debt and that I could not verify the fact that my wife owed the debt. I disputed the debt in writing and asked for verification, but received no reply. ProCollect has phoned many times ( not less than XXXX times ) and has sent many letters ( not less than XXXX ) to my deceased wife regarding this debt. The actions by ProCollect are a violation of the Federal Fair Debt Collection Act.
Bank of America continues, to harass me & deny me any account w/ them. They said they banned me from any anything to do with them. Ive tried to solve this matter like 6 times. And they tell me nothing on why they banned me. Id really appreciate a investigation into this thank u. XXXX XXXX
SPS Select Portfoloio Servincing , Inc. continues to send someone every month on Saturday to deliver notes to contact them at XXXX. In addition, they take photos of the property.
After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of XXXX XXXX. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts taking it sometimes have been 10 times what was owed for that month.