WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018  Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Finance, personal XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX   XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX  XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX   Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
I paid off a credi card within the allowed time. I was then charged interest after the card was paid off. I called the the Bank which refused to remove the interest change even thought the account had been paid off by the date their were charding interest.
I am in the middle of a refi and there is a collection on my credit that is not mine. XXXX is the original creditor and they have given me a letter confirming this is not my debt ( I am actually a current customer of XXXX in good standing ) I contacted the collection company ERC and they refuse to give me anything in writing confirming that they will remove the negative reporting. I need a letter from them so that I can continue the refinance of my home loan as this is affecting the rate I can qualify for.
I believe someone used my social security number to pay a bill that I did not pay and was fully unaware of. I have never check my credit score but when I did XXXX XXXX said there was an unresolved payment that was on my reports which brought my credit score down.
I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.
1. Navient made predatory loans to students attending schools with graduation rates of less than 50 percent, expecting students wouldnt be able to repay their loans.

2. Navient used a baited hook with subprime loans to become a preferred lender for many schools and increase its volume, even though it knew subprime student loan borrowers would likely default.

3. After the implementation of income-driven repayment ( IDR ), Navient knowingly steered borrowers toward forbearance instead of counseling them about more affordable repayment plans.
Back in XX/XX/XXXX my wife and I divorced from that time until XX/XX/XXXX I tried to get a loan modification with Wells Fargo I would make partial payments to them which they accepted and took all paper work they requested to them here in XXXX, Or. so that it could be and was faxed to there main office. They never could fined my paper work back in XX/XX/XXXX/ to XX/XX/XXXX I was advised by an mortgage attorney that Wells Fargo wasn't going to work with me to get a loan modification that they would just Foreclose on me. I was advised to short sale my home to save my credit for which I did about a month later after the sale of my home The Federal Gov. stepped in and made all the Banks & Mortgage company 's work with the people. Not until resonantly did the Gov order Wells Fargo to make good on all the Loan Modification that were applied for. They just told me on XX/XX/XXXX after allot of phone tag that they found my paper work and that I was denied back in XX/XX/XXXX do to my income, But back then they could never fined my paper work It is because I filed with O C C now O C C asked me to file with you I've been in contact at Wells Fargo with XXXX XXXX at XXXX extension XXXX She is also giving me the run around and letting me know she call me back around the XX/XX/XXXX In the mean time O C C asked me to contact you people and continue the complaint. Wells Fargo owe 's me the XXXX that the Gov ordered them to pay people who tried to to get a Loan Modification but there paper work always got lost Wells Fargo like 's to play game 's at the Public 's exspence. I would still be in my home at XXXX XXXX XXXX XXXX Or. had they not played games with me and allot of others My case # with O C C on Wells Fargo is XXXX I will call this XXXX XXXX and let her know I have filed with you. I have had several people glad to see someone like me to follow up on this matter. Thank You
On XXXX/XXXX/2015 I issued an XXXX eCheck to Wachovia/Wells Fargo Bank in XXXX VA for the sum of {$170.00} to be deposited in account # XXXX. On XXXX/XXXX/2015 the Wachovia/Wells Fargo Bank in XXXX VA deposited the check into account # XXXX XXXX. Clearly and admitted by numerous Wells Fargo employees, that this was a mistake, they have refused every effort to rectify the matter. Wells Fargo has said the {$170.00} has been removed from the incorrect account but they have no mechanism or procedure in place to put it in the right account or return it to the issuing bank ( XXXX ). They offered no recourse.
I bought an IPhone from XXXX and had it financed their company Citizens One Bank, for which 24 monthly payments were set up through my XXXX XXXX. I wanted to pay the balance in full but when I contacted Citizens One, I was told that they did not take checks, which I found unusual. I also re-read my agreement and I did n't see a clause that stated that I could not pay off my balance before the 24 month term, or accept a check to payoff this amount.
On  XXXX   XXXX ,  XXXX  I received a letter fro m Citi Bank telling me I may have been enrolled in an optional debt protection program offered by Citibank N.A. f or which I was charged a monthly fee. At no time did I agree to such a program or have a record of agreeing. I appreciate tha t Citi h as reached out, but after submitting a claim on a potential refund I was informed this would be handled by early  XXXX , which seems excessive. Also, given the misrepresentation by  XXXX   XXXX , I find this behavior to be suspect overall on the part of Citibank.
Sent out letters to capital one auto Finance to remove or adjust repossession of credit report ... be hole was recovered and account was payed off early .... ( 2016 )
Prior to XX/XX/2013, I was submitting student loan payments manually via NelNet.com to my loan servicer, NelNet. In XX/XX/2013 I set up auto-debit. Because the auto debit would take time to take effect, I was told to submit a final payment manually via nelnet.com, I did. My loan was never delinquent during this time, this has been confirmed by NelNet. 
However, NelNet put my loan into forbearance without my request, and despite my loan payments being up to date. They redisclosed my loan and my monthly payments rose by a small amount. I have been paying them since 2013. 

I noticed this recently, and called NelNet. After they assigned a specialist to look at my case, they agreed to retroactively to remove the forbearance that occurred back in 2013, acknowledging that this forbearance was unnecessary ( it was never requested, and never applicable, because my loan never went into delinquency - it as a technicality that occurred as a result of me setting up auto debit ) but they WILL NOT retroactively adjust for the redisclosure that was triggered by the forbearance. Therefore, I have had a higher principle balance that I have been paying diligently for 3 years. 

My loan servicer put my loan into forbearance despite my on-time payments, and redisclosed my loan without giving me an explanation as to why this was happening. My monthly payments rose due to a technicality from me setting up auto-debit, and they failed to notice this or resolve it. I had the best of intentions by setting up auto-debit, and was penalized by NelNet.
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.
My complaint is against Coinbase. 
I made a Bitcoin purchase on XX/XX/ XXXX reference code XXXX for {$1400.00} USD @ {$11000.00} per Bitcoin. The transaction has NOT been added to my BTC account on Coinbase. The {$1400.00} has been taken out of my bank account at XXXX XXXX XXXX XXXX on XX/XX/. My first attempt with the Coinbase help center was sent on XX/XX/ with no response Case # XXXX. I have since called 3 times, mailed letters, the only response I have received is that my case has been elevated to " urgent ''.
I purchased my home XX/XX/XXXX from XXXX XXXX XXXX, and its been conveyed over to various companies. The current company XXXX XXXX is using a fraudulent assignment to claim standing to be able to foreclosure on my property. 
Planet home refused the restructure my loan to a fair market value. I completed dispute the amount XXXX XXXX XXXX is stating I owe.I revoke the POWER OF ATTORNEY XXXX XXXX is using to foreclosure on my property in XXXX Co Real Estate Division of Superior Court XX/XX/XXXX BOOK XXXX Page 64. I do not give XXXX XXXX Power of Atty to foreclose on my house. I gave XXXX XXXX XXXX rights in XX/XX/XXXX and the are no longer doing business in Georgia. I did n't authorize the transfer of the Power of Atty. I Dispute the debt Planet Home is claiming I owe to them I have no contract with XXXX XXXX
I 've called both companies the creditor and credit management company showing the date and that was paid and it was still referred to the credit report.
After obtaining a copy of my credit report I have found that my second mortgage is still reporting. The house was foreclosed on and the bank took ownership of the property on XXXX/XXXX/2012. The collection agency that is currently reporting on this mortgage is REAL TIME Resolutions. Attached are all the documents that I have pertaining to the said house that was foreclosed on, including the last letter I received from the collection agency. I need to make sure that this situation is resolved and the reporting is stopped to my credit report.
In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continues to report negative information status on this account. I have disputed this account with Transunion, XXXX, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.
I XXXX from XXXX XXXX XXXX in XXXX XXXX, MI XXXX in XXXX, 2011. I received a federal student loan & also a student loan through XXXX ( XXXX ). I can not afford the payments for this loan. No one will touch this loan to refinance it because it is through XXXX. They will do absolutely nothing to work with me. In the beginning of XXXX, I called to speak to someone there & phone rep told me that I had 180 days to catch up on my current payment before it would affect my credit. Sure enough, they have reported to the credit bureau that I am behind. I am currently trying to obtain a mortgage & have had a clean credit report for the past XXXX years until now. Because XXXX reported my student loan after telling me that I had 180 days to pay the difference I owed. My credit report states that I am over {$500.00} behind. My monthly payments started out at {$220.00} & approximately 90 days later, they raised the monthly payment to {$340.00} per month. I can only anticipate they will continue to raise it. I currently owe them nearly {$1500.00}. Additionally, XXXX has been XXXX big scam from day XXXX. They did not follow through with the services they promised, such as job placement. I owe nearly {$60000.00} in student loans for an XXXX XXXX. Not to mention, this private loan they conned me into. 
I am fortunate that I did find a job on my own, however, it does not pay as much as I would like. My wife works part time & has a student loan as well. So we have XXXX total student loans that are close to {$100000.00}. Something has got to give.
I have received several calls and voicemails from a robocaller claiming to be XXXX. The voicemails do not indicate a connection to any medical service I have ever used. Additionally I have no outstanding medical bills and thus none which should be in collections. The calls and voicemails seem to be a scam trying to gain personal information. According to other reports online of the phone number others also believe XXXX to be a phishing scam. For these reasons I have not answered the calls or spoken with XXXX   directly. I have blocked the number but the same robocall voicemail keeps being left.
I bought a vehicle in XXXX, Georgia in XXXX. Wells Fargo financed the vehicle, and they used a recording to my school where I worked to call me, as well as my cell phone. The recording would call me each morning and sometimes during my lunch time at work. Co-workers who answered the phone would tell me Wells Fargo called or my co-worker would leave notes in my mailbox to let me know Wells Fargo called me. Whenever, I was late on a payment, they called and threatened me, saying, that they would come to my job to get my vehicle. This would cause me undue emotional stress. I paid Wells Fargo XXXX payments plus {$5.00}, XXXX over the amount I owed. XXXX they called during my lunch break and I talked with them I became sick in which my XXXX XXXX shot up so high, I had to be taken to the hospital. I stayed in the hospital for several days, doctors tried to get my XXXX. My doctor asked me if I was worrying about something. I was too embarrassed to say what had just happened. I have never received my title and have not received any correspondence from the last letter I sent them dated XXXX XXXX, XXXX. I have all of my documentation of letters, and payments that I have sent them over the years. I also hired an attorney in XXXX XXXX, and he has not been able to get my Title. I have had undue stress concerning this situation for over the past several years. Please help!
My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches EQUIFAX AND XXXX XXXX BREACH.
Rocket Mortgage / Quicken Loans gave me a Loan Estimate on XXXX XXXX which caused me to select them over other lenders and initiate my loan with them. On XXXX XXXX, 10 days into a 30 day close, so too late to start with a new lender, they dramatically raised the rate and origination charges.
We have had a TD HELOC with a XXXX year draw period and a XXXX year renewal. ( This 5 year renewal product is no longer offered by TD ). As we approached the renewal ( XXXX XXXX, XXXX ), TD sent us a letter informing the we needed to submit last XXXX years income verification. My husband is XXXX employed and his XXXX tax returns were not yet available. 
We called several times to discuss requirements. With each call, there was no record of our previous call. On XXXX XXXX, we received final notification indicating that all paperwork needed to be filed by XXXX XXXX, XXXX ( 3 Business Days ). Due to holidays, we missed the deadline and were told that the exception could NOT be made. This experience was surprising due to the Office of the Comptroller of Currency ( OCC ) guidelines on Home Equity Lines of Credit Nearing their End-Of-Draw period : Contacting borrowers through outreach programs. Management should begin reaching out to borrowers well before their scheduled end-of-draw dates to establish contact, engage in periodic follow-up with borrowers, and respond effectively to issues. 
After speaking with several people in the TD Branch network ( XXXX XXXX ), we were told that an exception was possible. ( XXXX indicating that she had difficult time contacting Loan Servicing too ... would not answer phone ). 
Last week, we faxed my ( XXXX XXXX ) XXXX years worth of XXXX and XXXX XXXX tax returns. The fax cover letter indicated that XXXX XXXX tax returns would follow. 
XXXX we receive a letter from TD, indicating we were denied due to insufficientincome verification. XXXX again, pushing us into a repayment phase. 
We have an excellent credit score and significant net worth so if we could find someone to help us, there is no reason for us to renew our draw period for the additional 5 years that are outlined in our note. 
We have now applied with our local credit union and anticipate approval shortly ; however, our preference would be to continue with TD for the additional XXXX years.
My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, Security Credit Services, via email and phone. I was referred by them to XXXX XXXX XXXX, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.
The unprofessionalism that is XXXX XXXX. Seems like every agent I spoke with had this misanthroped way of speaking to you. No-one wanted to hear or understand what my issue was. They constantly spoke over me with a very stolid attitude. I spoke to 6 different agents the 1st was the initial agent that signed me up she stated you pay XXXX to pull all 3 credit reports to see what you have on there and how we can help you. She then gave me 3 different price ranges starting at XXXX to XXXX to XXXX which of course she thought the XXXX would benefit me more ... she advised they offered a family and friends package at XXXX for the XX/XX/XXXX month and XXXX after, and since you don't have a lot you'll only need it until XXXX or so ( it was XX/XX/XXXX ). So I called my brother on 3 way because he's who I was getting the information for in the first place. In the process of the call I agreed to pay the XXXX for both reports and his call dropped so he was not able to get the remaining information nor provide his, they did however have his name, phone, address and ssn. When I tried to provide authorization on his behalf she stated it had to come from him and she would give him a call once we disconnected. Now this is where it went wrong!! Someone did in fact call back but to my number I gave the gentleman the correct number which they already had and I thought that was the end of it ... noo on the XX/XX/XXXX of the following month my card was charged not for the XXXX but the XXXX not once but twice when I called in to advise I was advised that since I was on the call unbenounced to me I agreed to pay for him as well rather I meant to or not and the only way I would get my money back was if he called in and made a payment that cleared!! I couldn't give authorization on his behalf but of course they'll take my money on his behalf ... I said so because I was on the call trying to give your company business I'm automatically financially responsible??? To top it off they have their methods to try and legally bind you they sent me the agreement twice so me thinking I'm signing up for just myself they have me signing up for both. When I requested to speak to a supervisor he continued to interrupt me and when I asked that he be respectful and listen without interrupting he told me he'd listened for 4 minutes already ( as if there was a time limit on how long to listen to a customers concerns ) and when I asked him to just cancel my account and send confirmation that it had been cancelled he tried to give me a discount and because I didnt want to listen to him trying to give me a discount to make up for the unprofessionalism I'd recieved from XXXX he disconnected the call and had the nerve to tell me he was doing so because I was unprofessional!!! Never did I yell never did I curse this is XXXX XXXX!! Beware of the scam you can do it yourself for free!!! Never again!! I'm paying a company to in a way is doing to me what I'm paying them to correct on my report that is the most leery business practice ever!! Beware!!
I checked my credit and is an item, I never got any XXXX letter from the collections agency, Today I got a letter state they verify with the creditor ( since a request a verification to the CRA ) is my, no validation just a letter state is mine.I already made a complaint since they have a different name
I graduated in XX/XX/XXXX. I received information from my school and from my loan lender, XXXX post graduating. I deferred my loans. I ONLY ever delt with XXXX. in early XX/XX/XXXX I paid a big chunk on my loans and then a week later I was contacted by Nelnet to say that I also had a loan with them. I had not had any contact from them for the 3 years previously. When ever I had questions about my loans I dealt with XXXX. I was making payments to XXXX and my loan was sold to XXXX. I asked them if when I was calling XXXX to defer would they have contacted any additional loan carriers? The answer is no. So, I am writing to you to have this investigated. 
The Facts : My college sent me a loan packet after graduating. It was for the same amount XXXX gave me ... {$38000.00}. 
I deferred my loan for 3 years I never heard a peep from Nelnet I got a call from Nelnet in XX/XX/XXXX. When I stated I 'd never gotten anything from them they just said, oh well .... 
I believe someone took out loans in my name, or something else very strange. I should only be responsible for the pay out amount my school sent me.