WillisBack/dataset-financial-user-claim huggingface dataset:
These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Experian by phone and sent numerous disputes regarding this inquires. Experian refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX of XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Please delete this inquires immediately from my credit report.
Trans Union had a glitch in their system that violated the rights of their consumers in der section 6.11.As a result, I have been gravely affected by this with my score suffering as a result of the glitch. No notice was given which is a violation and I am requesting that All inquiries listed be removed. 
XXXX
XXXX XXXX lease car returned XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. XXXX representative informed me that my balance was {$0.00}. That day, I purchased a new lease through XXXX 's sister company, XXXX XXXX, at same dealership. Today, XXXX, I am the primary signer on a new XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through XXXX XXXX.
This is my 3rd attempt to get this problem resolved but American Express refuses to provide information via transfer verification, copy of check, written verification that the {$2900.00} Balance Transfer was made to the correct account. 

I have spoken to XXXX XXXX yet again today and have verified that this payment was n't posted to my account. They have asked that I be provided with something other than a letter to prove this payment has posted. They stated that American Express knows exactly what to do to get this clear as this is n't their 1st Rodeo. Maybe as their letter states it was applied to an account ending in XXXX but not my account. I would like to get this resolved. 

I have included a copy of the last document that they have sent to me in response to this dispute. I have also included a copy of all payments posted to my account over the last 12 months and there is no payment in the amount of {$2900.00} on the date American Express states it was made and from them. 

This will be my final attempt to get this matter resolved before a legal action is filed and damages are requested. 

This amount needs to be removed from my account until written proof can be made via XXXX XXXX that this payment has been made. 

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS. 

THANK YOU IN ADVANCE.
Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection. 



















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I have a collection from this agency and another on my credit report, The agency i would be addressing today is I C SYSTEMS Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. XXXX Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is XXXX of the XXXX agencies holding me back due to a debt that is in fact not mine XXXX XXXX XXXX XXXX. I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX XXXX XXXX ), to even sign a XXXX.
Freedom Mortgage Paid my property taxes and also my father 's property taxes from my escrow. 
Property Taxes were due XX/XX/XXXX. My dad cant pay his because freedom mortgage has already paid them with my money. In XX/XX/XXXX i called freedom mortgage to fix this problem. They told me I need proper documentation. On XX/XX/XXXX, I faxed them the proper paperwork and a statement saying I wanted this fixed. I called them again They said it would be fixed before taxes were due. I checked my account and nothing was done. I called them back. They said that the other people i had talked to previously had done nothing, but he would make sure it was taken care of this time around XX/XX/XXXX. I get a letter stating my house payment is going up From {$530.00} to {$800.00} Because the escrow went up to Pay for Property taxes. It showed the projected property taxes for next year and my dad 's is still on there. I called them back on XX/XX/XXXX, they said the escalation team will take care of this. The " Escalation Team '' called me back on XX/XX/XXXX and said it looks like it didn't get taken care of by the projected date. If its not fixed by XX/XX/XXXX, My house payment will be almost too high for me. Freedom Mortgage is hurting not only me but my dad can't pay his taxes and will be charged late fees. 
My dad and I have the same first name, Different Middle Names, and Different addresses.

I called the tax office and they said freedom mortgage hasnt even begun to fix this problem or called them at all.
I never received a single bill or notice of collection from Franklin Collection Services. I learned of it when I got a negative credit report notification. When I saw the collection on my credit report (the first I had heard of this bill, and in the middle of buying a house), i called them to inquire re: what company I owed money to. They told me it was XXXX. I then said thanks, I will contact them directly to sort out the situation, to which the woman on the phone said, "they won't talk to you about this bill. The only way to get this to go away is to pay us." To which I said, "well, I can't have this show up on my credit report because I'm in the middle of buying a house." She continued to reiterate that I had no choice but to pay them if I wanted to be able to close escrow on my house and that the company I owed money to wouldn't talk to me. This collection company had XXXX phone numbers listed on my account and according to the representative, they had been calling the primary number for the past month. I don't know where they got that phone number, because it is my parents' phone number, and I never give that number as a point of contact because calls there will not reach me. There is absolutely no record of this company trying to call the primary phone number she claims. They left XXXX voicemails. She admitted that they never even tried calling the XXXX number they had on file, which is my correct personal phone number. I hung up with Franklin Collection and called XXXX anyway. The whole situation is made even more ridiculous because I have a current account with XXXX, associated with my same name, telephone number, and Social Security number as the past account. In addition, I have been physically in the XXXX store, talking to an associate about my current account, multiple times during the past XXXX. I have also gotten multiple emails from XXXX regarding my current account. It is hard for me to believe that they could not contact me about this bill in any fashion other than sending a piece of paper to a very old address and then sending me on to a collection company. XXXX apologized about the situation and for not contacting me about the bill. I paid the amount owed (all of this for only $XXXX!) and they promised to contact the collection company to have them remove this from my credit report. The collection account was not in fact removed, and still shows up on my report.
I have previously filed a complaint about an electronic transfer made by my bank, Wells Fargo, to XXXX, at my request to pay a bill. That was XX/XX/2017. Despite numerous calls with both Wells Fargo and XXXX, to date, Wells Fargo has not located my money. XXXX states they did not receive the money, while Wells Fargo claims they sent it to XXXX, but it still has not been located. This was a XXXX payment that can not be found. I have no escalation path with either Wells Fargo or XXXX XXXX  -- they both closed my claims, and I DO NOT KNOW who has my money. Please help me.
Should of had my paycheck deposited today and my money not there. On rush card. Customer service do n't even work.
In XX/XX/XXXX, A Thief stole my information and fraudulently opened a XXXX XXXX Account in my name that should have been caught by XXXX XXXX if they did their due diligence. The account was defaulted on by the thief, and went to collections. I received notification when I purchased a new car in XX/XX/XXXX that there was a collection account. Since I did not open a XXXX XXXX account, I contacted law enforcement and filed a police report regarding the ID theft. In XX/XX/XXXX, I submitted a dispute with Experian and provided the police report. They initially removed the credit inquiry and the collection account after providing the supporting police report. In XX/XX/XXXX, I pulled another credit report and saw the collection account was back. I again disputed the information and Experian now refuses to remove it. I resupplied the police report and showed the account was not mine. Experian refuses to cooperate and has not promptly removed it. Now, I can not even pull a credit report online through Experian. It is ashamed that a thief has been able to cause this much damage and the credit bureaus that are supposed to protect my identify are now contributing to the victimization. What more could I possibly do??
They, Capital One, have called me 43 times in 7 days. Several phone calls were made after XXXX and I have to work at XXXX. They call all hours of the day and they leave 1 second voicemails. I owe this company {$500.00} total and I told them I would pay the {$25.00} I owe on Friday when I got paid. They have called 42 times since then.
I took out a student loan with Sallie May during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around XXXX. After graduation I was struggling to make ends meet with no job and a new baby. I called Sallie Mae several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called Sallie Mae and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to Navient. Same as Sallie Mae I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call Navient they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe $ XXXX and I must pay now and there is nothing that I can do about it. Why didnt Navient perform their due diligence to give me a call and place under a repayment plan. I do not feel that Sallie Mae nor Navient performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are correct.
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged Reference # : XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are not eligible for income-based repayment. I did not ask or apply for such a thing and this is utter nonsense as other institutions have options to lower payments for private loans. I presented the situation that I 'm unable to make payments in full and would need it lowered. I do not plan on defaulting the loan that 's why I asked for help. They refused to go back to the lender and work with them to find a solution. They would call and harass me daily without providing a solution. I ask that CFPB step in to find me a solution. They 're damaging my credit by keep reporting late payments without providing a satisfactory resolution. This is modern day discrimination and we need to escalate to the highest level.
I have confirmed with the hospital the procedure was performed at ( XXXX XXXX ) that they got a notice that the statement was not getting to me. They ( XXXX in the billing department ) read my address to me as # XXXX, I told her it is # XXXX and she said " yeah that 's what I meant '' and changed it. 

The first contact from Gragil Associates, I explained that I never knew I had a debt and certainly would have worked this out with the hospital, and asked if I could do that instead. She said no, and that she needed me to pay the full amount or it would be on my report and they would take me to court. I said I could not come up with the money, but can make payments, and she refused. She said " they do not do that '' and I have to pay the full amount. Since then, I have received a bill every month, and every month they 're adding more negative comments to my credit report. Every month, I do the same thing, and call and say that I can make a payment, but she says the same thing " they do n't do that '' and she wants it in full ( yet they are reporting to the credit agencies that I am refusing to pay, which is not at all the case ). I got a final letter on XX/XX/XXXX that says " I fail to understand your lack of cooperation and feel this should be paid. '' I have been trying to cooperate since day one, but they keep falsely telling the credit agencies that I am refusing to pay, destroying my credit. XXXX XXXX XXXX refuses to take a payment unless it is in full, which I can not afford, and they will not give he debt back to XXXX XXXX hospital, who now knows the mistake that happened in the first place and would be willing to work with me on a payment plan. 

I would like these negative remarks taken off of my credit reports from them, as I am TRYING to take care of this debt ; in addition I would like them to accept some sort of payment, or give the debt back to the hospital, so I can stop receiving threatening phone calls and letters in the mail. 

In addition, it should be stated that I have tried calling every single day since the latest letter was mailed to me on XX/XX/XXXX, and am told every day that she is not in the office ; so now they are still sending me threatening letters and having other people call me, but she will not speak with me.
I submitted a payment on XX/XX/XXXX of {$400.00} to cover payment for XX/XX/XXXX. Due to system error on Conn 's side, the payment did not process. Conn 's has admitted the error was on their side, but still show that my XX/XX/XXXX payment was late.
Lending points negligence has caused my credit score to drop dramatically. I contacted the company to update my automatic payment as I switched banking institutions and my file was not updated. Due to their negligence, I am at a higher interest rate with a mortgage loan. Lending point referred me to XXXX XXXX in which they stated my account was sold and theres nothing they can do to update my file. Ive contacted XXXX XXXX and was working with XXXX XXXX in settling my balance with Lending Point. I was advised that lending point was the reporter of my file and XXXX XXXX can not update my credit report. Currently Im still showing a balance and monthly payment, in which it is affecting my debt to income. I am getting the run around and have disputed my file with XXXX with no resolution.
On XX/XX/2018, I purchased chicken breast from XXXX Store in XXXX XXXX, Ohio, using my XXXX XXXX Card to charge {$6.00}. Upon opening the sealed package, I found the meat to be rotten underneath. I attempted to return it within a few days, but employee XXXX refused, stating that no refund could be made for an opened package. This policy is against the public interest, as the consumer can not see all sides of the product without opening the package. I asked for the store manager, but XXXX stonewalled and said that the manager was not in the building. I contacted the credit card company ( TDBank dba XXXX XXXX Card ) online to request a credit. TDBank refused, stating that it did not have the power to refund. This is a highly anti-consumer policy - and probably an outright lie. I contacted XXXX Guest Relations online multiple times, which repeatedly also refused to credit my account. It is a disgrace that a national bank conspires with its merchants to deny consumers any protection against defective and dangerous products. TDBank 's national license should be revoked. Both organizations should be fined.
I have tried consolodating my two loans with WF, they denied the application unless I come up with a co-signer. I then tried reducing my monthly payments, stating I was comfortable paying {$300.00} a month, more than half of what theyre originally asking. They came back and said they felt {$500.00} was a fair monthly payment. XX/XX/2018.
I graduated this past XXXX, officially in XXXX, prior to that my Navient account was being forbeared by paying {$150.00} which was supposed to go to all my loans. However, the loans originally written through XXXX XXXX were special XXXX XXXX loans where the parent was the parent borrower and their income/credit was the basis of obtaining the loan. The student was listed as the student but still responsible for the loans. There are a total of XXXX smaller loans with Navient, however, when I was paying the good faith payment to protect the credit reporting, they did not cover all the loans because they were not brought over from XXXX XXXX with my name being attached to them all. Apparently this loan type is no longer offered because of its complex nature of not proving the student was in school. Now I have graduated and have attempted to consolidate these loans, but constant negative reporting while in school ( the grace period ran out because I took more years to graduate ) makes it difficult to be eligible for anything. Additionally, between my parent and myself, never got information on all the loans over the phone because of the way they separated in the system. So some representatives gave incorrect information because they did not look in all places. 

Although there were special programs available, I was not told about those until after my account got extremely delinquent. Now I am enrolled in a interest rate reducing program which is helpful, however, Navient still reports the loans at delinquent, and a letter for setting up the program states they will continue to do so until the qualifying payments are made. You have to make XXXX automatic payments in XXXX consecutive months in order to fully gain entry into the program. My issue is that I started with a credit score in the high XXXX, in 4 months of successfully paying off credit debt, paying student loans, due to being gainfully employed, I was nearing a credit score in the high XXXX, and easily would be in XXXX range by next year. Now in XXXX month, it has dropped XXXX points. And will continue to drop at such a large rate, that despite being on time with my agreement and payments across the board, I will be penalized for this. In addition, despite being in the program, you still receive calls upwards of 3 times a day. No one there seems to share information which would be helpful to those who are attempting to pay.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate
I have filed previous complaints against  Financial Credit Network f or reporting that I owe {$190.00} for   XXXX   XXXX   XXXX   XXXX  , I have provided my lease that I did not live at that residence, I have provided an affidavit stating this debt does not belong to me, and a police report from the  XXXX   XXXX  Police Department in regard to this matter. When I contacted  Financial Credit Network y esterday on  XX/XX/17   , it was stated that they are awaiting " a response '' from the original creditor after I have proven that this account is reporting fraudulent negative information. I want this account removed from my Credit Report  IMMEDIATELY. I ha ve proven everything that was asked of me.