WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a double inquiry had been made on XX/XX/XXXX. I contacted XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX   they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your XXXX is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
I have recently looked into a credit report and it shows a card that was open in XXXX from XXXX XXXX XXXX under my name. It was opened in XX/XX/2018 and is for $ XXXX.I have not opened any cards in my name and now it is showing not paid and is on my credit report. It is currently in collections. Can you please help me to know how to close this and not be against my report anymore. 

Thank you, XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
TRANSUNION CREDIT REPORT : Report is showing the account XXXX XXXX XXXX with a Balance of {$100.00}. This account has had s XXXX  balance since the beginning of XX/XX/2018. It is showing correctly in the XXXX file. 
I have attempted to contact them and yo fill out their online dispute form but no success. I even emailed XXXX XXXX who instructiontef me to contact TRANSUNION directly and if no success file a complaint with you. I was unable to get in touch with TRANSUNION. I will attach a copy of the Statement for proof. Thank you
In early XXXX, XXXX, tried to sign in to my account at XXXX XXXX XXXX, and my user name and password simply did n't work any longer. The account is over one year old. Coinbase was unable to explain why they seemingly forgot my username and password. They told me that I must pretend that I am the one that forgot the password and go through that process. 

Attempts to go through that process simply do n't work. They required me to upload scans of my driver 's license. But their website was issuing error codes like " Constraints can not be met '', which reps at Coinbase could n't explain. 

On XXXX/XXXX/XXXX, a rep named XXXX blamed what she called an XXXX XXXX. But authorization apps do not come into play until after a login. So this was just an attempt to get rid of a complaining customer. 

On XXXX/XXXX/XXXX, XXXX sent an email message that a specialist would be contacting us. But that did n't happen. 

On XXXX/XXXX/XXXX A supervisor promised no more website frustrations would be required of me. He said this entire ordeal would be manually corrected and only email would be required. He said the driver license scans could be sent email. He assured me that a specialist would be contacting me. 

On XXXX/XXXX/XXXX, that so-called specialist simply sent me an email that required me to start all over again from the beginning using the XXXX browser. This was not what was promised. I was n't supposed to endure any more of their website dysfunction. 

On XXXX/XXXX/XXXX, Saturday, there is no phone support. I decide to try the entire process again using the XXXX browser. More problems. This time, the coinbase website permits me to select and perform a FILE UPLOAD process. It is specifically called " File Upload ''. But when I try to send scans of my driver 's license, it tells me that my WEBCAM is not recognized and that I should select a non-webcam method of sending files. So when I use " File Upload '' the Coinbase website somehow sees a webcam. Coinbase should be reminded that tens of thousands of photos are uploaded to XXXX every day by users of every imaginable combination of operating systems and browsers without any such problems. Yet Coinbase somehow blames their customers for such problems as evidenced by complaints scattered all over the Internet. 

I report all this to Coinbase and I hear nothing back.
Its my property and I entrusted Coinbase the same way I entrust a bank with my money. I just want the access I was promised. I just want my Bitcoins or I want access to my account so I can use/transfer those Bitcoins. From my perspective, I am suffering the identical damage as if this were a theft.
My wife and I are both XXXX years old. Since beginning to investigate our reverse mortgage options XX/XX/XXXX I have never gotten a return call from the Wells Fargo Reverse Mortgage representative I had either spoken to or left a voice mail with. 

Further, I have never been able to get an email in order to communicate with the same person and have always gotten a slightly different 'story ' on almost every question asked from each Wells Fargo Reverse Mortgage representative I have ever actually spoken with. Every call to an extension given has always gone to voice mail complete with a 'promise ' to get back to me within 24 to 48 hours. 

On XX/XX/XXXX we sent a certified letter, return receipt requested ( see copy embedded below ) to Wells Fargo Reverse Mortgage to initiate a Deed In Lieu of Foreclosure on Reverse Mortgage Loan Number : XXXX. 

I did n't get a return receipt but by multiple phone calls was 'told ' that they did get the letter. For the last 2 months I have tried to find out and get in writing : Are my responsibilities for the property ended when the letter is sent and the requirements listed in the letter sent have been verified by the Wells Fargo Reverse Mortgage appraiser or inspector? If not : 1. How long will the 'Deed In Lieu of Foreclosure ' take to be completed? 
2. How soon will their inspector look at the home and winterize it? 
3. In the meantime who pays to keep the heat on so pipes wo n't freeze? 
4. Who keeps up on the taxes for the property? 
5. Who is responsible for insurance in case of fire or other disaster? 
6. Am I responsible for any maintenance required after we left it in good order? 

Some of the most recent communication I have had : 1. Letter, XXXX XXXX, XX/XX/XXXX " He would be my representative and help me. '' I have never been able to reach him and started calling and left XX/XX/XXXX and left 3rd message on XX/XX/XXXX. 

2. Letter forwarded from old address in NY dated XXXX XXXX from XXXX XXXX XXXX EXT. XXXX. She is my new specialist and when calling her all I get are recordings and no call backs. 

3. Others I have heard from or spoken with recently include XXXX XXXX, called XX/XX/XXXX, XXXX??? XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX??? XX/XX/XXXX and XX/XX/XXXX at XXXX with XXXX XXXX who blamed me. 

Prior to this chain of events for a deed in lieu we attempted a 'short sale. ' XX/XX/XXXX it took 8 phone calls and 2 weeks passed before I was told that the 'short sale ' letter fax I sent and had a 'delivery receipt ' for was not received and would have to be sent again. That letter required a Wells Fargo appraisal in order to start a 'short sale. ' which we could n't begin until we had the appraisal results. 

We finally got the appraisal results on XX/XX/XXXX almost 90 days after our 1st faxed and 'delivery receipt ' came back from Wells Fargo XXXX For this and many other reasons I do n't trust anything I hear from Wells Fargo Reverse Mortgage. I believe they do everything possible to delay and confuse their customer knowing that each day of delay saves Wells Fargo some money. I hope you will be able to get my questions answered by Wells Fargo in writing.
A Bank Card service did a check to see if I qualified for a 0 percent credit card so I could clear up some high interest Credit cards. They were informed through XXXX that there was a Bankruptcy on my credit report. The report states that it goes back 7 years. The last time there was a Bankruptcy was dated XXXX-05 and by calculations that it over 12 and a half years ago. 

I do n't understand how this information was received if the copy I received off the internet does n't show it but, yet the Bank Card swervice can get old information not on my report.. How is this possible?
Transunion has XXXX credit inquiries on my acct. Most were related to when I purchased a car last yr and should be treated as XXXX inquiry.
equifax is in violation of the consumer protection act and XXXX XXXX it has been more than 60 days on my dispute and they still have not remove the item XXXX and XXXX has but equifax has not!!!!!!
Sent a letter however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Gateway One '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX XXXX, XXXX, XXXX.. 
No need more.. please Help me.. 
I think im victim of identity theft.
I have a 30 year fixed loan with Freedom Mortgage company located inXXXX TX. 
I make payments monthly using my computer and paying online. I refuse to mail my payment for fear it will get lost in the mail. 

I did my usual log on today into my Freedom Mortgage account and it said that there was a payment error! So I thought perhaps I entered my account number incorrectly. 
I tried to input my info again, and I received the same error telling me to contact the office. 

I spoke with a representative and explained my problem. He said that they are not able to process payments that have a XXXX browser. I told him that I have been paying on line for years and have never had any problems. 

I asked him to take my payment over the phone but he said that it is a {$15.00} charge! 

He told me to go find another computer and try it that way!! 

This is not fair to the home owner. They should offer to take a payment over the phone since they are having problems with their systems. 

Thank you
I have been paying off a {$1000.00} loan for about 16 months ay {$300.00} per month. I was never told that this would NOT be added to my credit report. The deductions stopped coming out of my checking account and I assumed that I was done with this loan. I checked my credit report and see that this loan was reported at a bad debt. I got nothing in the mail or phone calls from mobile loans, the only notification that I got was a negative mark that appeared on my credit report. Over the weekend I got something in the mail stating they are in the middle of bankruptcy and I need to send my claim in to possible be added. These people are crooks I have paid over {$4000.00} for a {$1000.00} loan. I believe that they have committed fraud. Please see attached credit report.
I was told I was getting extended warranty, no cost mentioned, to help lower my rate. The finance manager didnt not explain well at all. I was told I can retract the cost by signing a form of cancellation as long as I got it in with 90 days. I did and got confirmation via email. I am now 6-8 month after purchase and still have not got reimbursed for the cost. At this point I should get to keep the extended warranty and get reimbursed the cost rather than being told too bad. The dealer XXXX XXXX of XXXX AZ, offered to take my car back and roll me into a new one instead, but only give me a fraction of trade in value. I bought the Nissan in XX/XX/2017, now only 6 months later they offered me $ XXXX less than whats owed and a more expensive Nissan with barely less miles to make up for the hassel and their mistake. I have never dealt with a company who has treated me the way XXXX XXXX has. In addition, when the dealership found out they made the mistake, they tried to only offer me {$300.00} back on a {$2400.00} cost of extended warranty. The general manager XXXX XXXX, has not personally called me back to address this. He has his sales managers call me to give me a more expenses car. This dealership is very unprofessional and doesnt take ownership of a mistake, even though they have acknowledged they made a mistake. I will never use or recommend this dealership to anyone and will take action.!
Bank of America is reporting my balance incorrectly on my XXXX Credit Report. This error lowers my credit score and causes a denial of a student loan.
I had a checking and saving account in Bank of America since  XXXX .I used to deposit my friends and family members checks as a third party check in my same account and every thing was fine and I did n't received any letter from bank that I can not deposit third party checks in my account until  XXXX    XXXX   when I deposited some of my family members checks in my account .Bank of Am erica closed my accounts and they se nt me a letter that Bank will re turn my m oney because I provide the notarized statement from all those people whom checks I deposited ( copies attached ) as a third party check .After tha t the Bank of America regulatory team sent me a letter saying that the Bank Can not return my money and they have sent the money to IRS and they provide me the copy of the cashiers check that was sent to IRS and I was told to contact the IRS to get back my funds .I contacted the IRS and provided them the Bank of America letter along with the copies of the checks that I deposited in my account and I also sent them the notarized letters from each individual whom checks I deposited in my account ( copies attached ) .Now I received a letter from IRS that I have to ask my funds from Bank of America .I tried to contact Bank of America regulatory team to solve my problem but they  are not responding to my calls I left them messages but they are not responding to my request I am a low income minority and i am facing a lot of financial problems
i n 2010 someo ne filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has  to be remove
Company contacted family members numbers I did not provide over the past month. I contacted them today on XXXX-18 spoke wothXXXX the lady she then told me she knew who I was and that she knew I went to school with her daughter and she knew a lot about me per social media. After looking into it. I did know he daughter who I went to school with she had given my name and personal information out to her daughter which was looking and following my social media for information and both mother and daughter was talking about my financial information. This is a branch manager and this should not be tolerated with giving personal information to anyone especially family member of company.
In XX/XX/XXXX we filed for bankruptcy. At that time XXXX was our mortgage company. In XXXX of that same year XXXX XX/XX/XXXX XXXX XXXX mortgage company also filed for bankruptcy. XXXX was listed as XXXX of our debtors, however we did not file against them. We planned to remain in our home. XXXX XXXX took over our account in XX/XX/XXXX. So in XX/XX/XXXX when we filed bankruptcy XXXX XXXX was no where on the paper work. We only had XXXX mortgage company, XXXX. I am not sure how XXXX XXXX was added to the bankruptcy since they were not our mortgage company at that time. 

We have continued to pay our mortgage. Never has a payment been missed and there has never been any late payment fees accessed on our account. Because we always paid and had not been in contact with XXXX XXXX it was not until recently that we discovered that XXXX XXXX was on the bankruptcy. Now we understand that because we did not reaffirm our mortgage payments are not being reported to any of the credit bureaus. We need to have this information of a bankruptcy against XXXX XXXX removed. It is not correct and is noted as a negative on our credit report. Once this is resolved we will do whatever needs to be done to reaffirm with XXXX XXXX and continue to make our payment on time.
I pulled my credit and noticed several inquries that are wrong and many I never did or recognize MOST ARE AUTO Companies i never applied for XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
While in the military I took out a loan. Upon discharge I ran into financial pitfall. XXXX XXXX military lending company refused to accept payment directly from me and mad me pay their collector. Account payment was agreed And settled in full with documentation to prove. I called XXXX XXXX company they said the account was closed and paid in full. I filed multiple disputes to have the account corrected. I called the primary creditor only to have the agent say that they will not report the account paid in full even though it is for 60 days. I told them they were lying to the CRA about the status and she said well it took you longer to pay us back. I continued to file disputes showing documentation and the creditor continues to say account is delinquent and add interest charges. This here is classic example of creditor taking advantage and punishing customer.
Jefferson Capital bought my XXXX wireless debt from XXXX XXXX collection campany - in XXXX XXXX. The original date of debt was back in XXXX with the original collector and the original company reported it correctly. After all these years I saw that the debt finally came off my report only to notice a couple months later that a new collection company put a new collection on my report. When I contacted this company I noticed that the amount was the same that I previously had on my report from the XXXX debt. Jefferson capital decided put on my report my old debt with a re-aged date of when they acquired my debt. When I spoke to the supervisor about this not being a legal practice and that they should n't penalize me all over again for my mistake that I made years ago they said that they reported the date that they bought the debt and that they are not re-aging or breaking any FCRA rules and regulations. I feel very hurt and upset that a collection company would lie and re-age my debt that I have already paid my price for. When I asked them to send me their prof of the documents that show exactly when I did n't pay this XXXX account that they put on all XXXX bureaus they said that everything is electronically done and they do n't have those files to send me. I asked them how that is possible to report collections onto peoples reports and not have the documents to support them. The supervisor said that if I have a problem then to dispute it because they did nothing wrong. I 'm disappointed Jefferson Capital is not following the rules. Please help me put this old debt behind me so that I wo n't be punished all over agin. Thank you, XXXX XXXX
I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details XXXX-XXXX XXXX, GA XXXX XXXX
Somehow this company has obtained my work phone number. A co-worker came by my desk to ask me if I was XXXX ( maiden name ), since she knows me by my married name. I said well yeah, but that has n't been my name in over 5 years, she then said oh ok well there is a XXXX XXXX asking for you on hold I picked up the phone and this man immediately began to yell at me about an outstanding medical bills. I have no outstanding medical bills. I kept trying to interject to ask him to please not call me at work and he continued to talk over me and yell, refusing to let me get a word in edgewise. Completely rude and unprofessional. If indeed I owed anything, NOT the way to do business and certainly not any way to get anyone to willingly cooperate with you.
I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XXXX and XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX