WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Hard Inquiry from XXXX XXXX XXXX ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls. 
XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized. 
XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry. 

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.
I reported Fraud on my credit card. I reported the Fraud to Bank of America, the charge is still on my file as they " research '' the issue. I want to pay the balance of my card but I do not want to pay the fraudulent charge. As a " preferred client '' I tried to call and speak to the claims department and was told I would need to wait over one hour. There is no online assistance and I suspect Bank of America is not doing everything in their power to resolve this manner in a timely and satisfactory manner.
I recently checked my credit file and discovered this company has reported that I owe them a debt. I have never received notification from this company prior to them placing this on my credit file.
I received billing statement from XXXX XXXX XXXX date XX/XX/2018 that told me owe XXXX XXXX XXXX amount {$150.00}, I had called them and let them know my car Insurance with XXXX  had been cancelled after the term of contract, the payment continuous is monthly payment and I want to cancel policy any time if I do not pay premium. I know the Insurance policy if I did not pay premium I would not get coverage for my car at the time of due date if something happen for my car, that mean I did not owe XXXX   anything because XXXX did not cover my car when I do not pay. 
I had a new car Insurance policy with another Company and did not pay premium for XXXX any more, But I don't know the XXXX XXXX XXXX they have knowledge about car insurance policy or not they still bother me and sent me a billing statement date XX/XX/2018 of debt amount {$150.00} again.
I had a credit card with XXXX XXXX. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. XXXX XXXX was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But XXXX XXXX stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.
On XX/XX/18 I called Reliance First Capital to learn more about financing options for a condo that I own. They took down my information and ran a hard inquiry on my credit without my approval. My call was strictly to learn about potential options for financing the condo as I was shopping around.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING LLC
I received a suspicious email from a XXXX XXXX representing XXXX XXXX XXXX stating that I owe XXXX. That the payment needed to be paid today or I would be arrested and jailed. Never heard of this complaint before today.
I attended XXXX University in XXXX XXXX, MI. My first loans were through AES and while I have XXXX other private lenders and XXXX federal lender ( XXXX total ) AES ( American Education Services ) has given me nothing but grief. I am recently unemployed and called them while my account was in good standing to hear my forbearance/deferment options. The person I spoke with told me XXXX of my XXXX accounts could be put on forbearance which would bring my bill to XXXX dollars less a month. I filled out all the paperwork as well as my co-signer and it 's been well over a month with no answer. I have called every week and each time I get a different answer. First it was wait a while longer until it goes through. Now it 's nothing was ever processed b/c you have no forbearance available. So obviously I was told wrong information at the beginning, have been run around in circles, and now I am 2 months late and they are hounding me every day. I have busted my back to work with them and figure this out and this is definitely not the first time I 've had issues with them. They are rude and give me the run around. They are by far the worst loan company I 've ever had the displeasure of working with. Thanks for any help you can offer.
I had a mortgage with Wells Fargo Bank, who after my husband passed away from XXXX XXXX refused to help with loan modification after I XXXX from my husband passing. They told me that my credit score needed to be at least at XXXX, then never helped me with a loan modification, and later foreclosed on my house.
Being charged for a load that was paid off. A duplicate of the same loan was created after i left college. The original was XX/XX/XXXX a duplicate of that loan was created on XX/XX/XXXX after I had left. I have been fight this for years they want {$120000.00} and they say I attended XXXX  University, which I have never set foot in. I am XXXX, I have been out of college since XXXX and they want me to pay {$700.00} a month until I am XXXX. I have no legal protection and they have the power to garnish my wages. None of the money I have paid in the past shows on the record. It's like I never paid a dime. 

Loan Type Total Borrowed Loan Date Outstanding Principal Outstanding Interest Total DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} {$0.00} Total DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} {$0.00} Total FFEL CONSOLIDATED {$0.00} {$0.00} Total NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} {$0.00} Total FFEL STAFFORD SUBSIDIZED {$0.00} {$0.00} Total {$67000.00} {$0.00} DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} XX/XX/XXXX {$53000.00} {$0.00} DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} XX/XX/XXXX {$8600.00} {$0.00} FFEL CONSOLIDATED {$27000.00} XX/XX/XXXX {$0.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$5900.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$1000.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED By XX/XX/XXXX I was no longer in Texas. All of this debt is from the duplicate loan. The omsbudsman researched this and XXXX XXXX College confirmed this to be a duplicate and I don't owe them anything. The XXXX is form XXXX  University, which I never attended.
I have a hard inquiry from Regions Bank that I did n't authorize from XXXX 2016
They have called myself and my parents looking for me from a blocked number and also from XXXX, claiming they are with the sheriffs office and will be showing up to my home to serve me a court order, over a month later no one has showed up or sent me anything by mail. I have no clue what the debt is for, they called my mother and yelled at her for no reason. I called them today and a male answered sayung the company is 'Wilson , Riley and Associates ', he asked if the sheriff showed up for me yet, i told him no and i requested a validation letter, he confirmed my address ( not once did he verify if i was the right party ), and i still do not know what the bill is. Research on XXXX has stated this company is fraudulant
select portfolio servicing mortgage has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this select portfolio services and it has negatively effected my credit score i want this removed
I have an account reporting with Experian which does not belong to me, XXXX and have disputed with them twice and do not get anywhere! I need this acccount off my record immediately, since it does not belong to me!
Working on a Chase/ FHA short sale. We have the XXXX issued by HUD and an offer that meets the required HUD NET - Chase has not responded to this offer submitted.
According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA   XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX   XXXX XXXX, IN XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA XXXXXXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME
I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
Received communication from Enterprise Recovery System ( ERS ) stating I owed them for a defaulted private student loan through XXXX for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. XXXX XXXX XXXX the original lender have no record of this loan and referred me to back to ERS.
Dear SPS If you would assist me with documents I would greatly appreciate I have requested multiple times by phone and email Assignment of Mortgage New title Policy as of 2014 to show SPS as Beneficiary current preliminary title report shows XXXX Provide Beneficiary information not investor Explain why SPS is not on Preliminary title Provide who should be on preliminary title Explain and provide authority documents to move forward with foreclosure from prior to NOD, 2014 to current date Provide a copy of NOD and confirm debt on NOD if debt matches servicing of mortgage amount when transferred in 2014 not including escrow advance
My XXXX/XXXX/XXXX statement from Macy 's credit card indicated that my New Balance due was {$280.00} and this was due by XXXX/XXXX/XXXX. I paid the entire New Balance on XXXX/XXXX/XXXX. I was issued another statement on XXXX/XXXX/XXXX. This statement indicated that I was charged interest of {$4.00} ; however, I paid the previous balance in full before the due date. On the second page of my credit card bill for XXXX/XXXX/XXXX, the second sentence under " How to avoid paying interest on purchases '' explicitly says " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. '' While this may not seem like a lot of money, I realized that this has happened to me in the past with the Macy 's credit card. Additionally, it makes me think that they are doing this to all of their customers. I have never had a credit card that still charges interest after I have paid the balance in full and on time. 

I called Macy 's and was explained that because I had a previous balance from my XXXX/XXXX/XXXX statement of {$91.00}, in which I was charged interest of {$2.00} in the XXXX/XXXX/XXXX statement, I was charged interest of {$4.00} in my XXXX/XXXX/XXXX statement. Their explanation to this interest charge was based on a note indicated in their XXXX/XXXX/XXXX statement. It is a long, difficult to follow note that I would be happy to supply upon request. Regardless, I am not familiar with consumer credit rules ; however, as stated previously, I am concerned that a credit card company is charging interest after balances are paid in full and on time, as this is something that I have not experienced with other creditors. 

I did not become aware of this extra interest fee until my XXXX/XXXX/XXXX statement arrived and the balance was {$6.00}. When I called Macy 's they indicated that this amount would be credited back to me, and the new balance would be XXXX dollars. While this issue was resolved, I still feel that it is something that warrants additionally concerns since this is likely happening to thousands of consumers.
My situation is unique because its been caused by my employer state government closed my work the sudden loss of income had a bad impact on my health to the point that I was forced to apply for my social security benefit unfortunately government dont care about people they are slow behind I send my situation to the office of senator XXXX XXXX and California governor XXXX XXXX and they are aware of my situation I the other hand SLS never worked or try to assist me And from the beginning everything they done is only in a path to take my home SLS is under a lawsuites for not comply and doing the same thing they done to me to other homeowner and this is how they operate by playing game toying with home owners so they could take their home I have hundreds of complaints of other homeowners that how SLS took their home On the same date that SLS is selling g my home I have XXXX My son is in. XXXX XXXX SLS is a fruad company and they need to be fined and put away for what they done and doing to home owners Cfpb not doing their job by not investigate SLS
I have inquired multiple times with the company to verify HOW DID THEY VERIFY the accounts in question. I have asked whom did they speak with to verify the accounts along with other questions and the could not verify that they legally verified the accounts. 

I had asked if they could not tell me how they legally verified the accounts that I would want the accounts removed from my file. 

The company had over 45 days to show proof of their verification process and I have not heard back from the company.
I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.
On XXXX XXXX, 2015, I received a demand letter for payment from USCB America for {$730.00}. I am disputing this debt of {$730.00}, because it has never belonged to me. 

I was a victim of identity fraud and are disputing this debt of {$730.00}. I have been receiving harassing phone calls from USCB on my employers mobile phone. 

The {$730.00} debt belongs to some one who used my information with out my knowledge. I will not pay a debt not belonging to me.
On XXXX XXXX, 2016 I made a online purchase at XXXX for a HP Envy XXXX All-In-One Printer. On XXXX XXXX, XXXX XXXX received an electronic transfer from my bank in the amount of {$57.00}. On XXXX XXXX, 2016 I received in the mail the wrong printer. I received a HP Envy 4516. The start up disc that accompanied the Envy 4516 was for a Envy 4510 which according to the download error messages was only compatible with Windows 8. I ordered the the 4520 because the product description on XXXX stated that it was compatible with Windows 10 of which I run on my computers. The packing slip that accompanied the wrong computer identified XXXX as the company placing the order and shipping the item. On XXXX XXXX, 2016 I spoke with XXXX customer service representatives from XXXX. They each said that XXXX was not responsible for the item and I needed to send the item to XXXX who is listed on the XXXX website as the sold by company. On XXXX XXXX, 2016 I spoke with XXXX Manager, XXXX of the Corporate Escalation Division who stated that XXXX was not responsible for the product. According to the XXXX Return Policy : Items purchased at XXXX XXXX be returned to the store or by mail, unless stated otherwise in the list of exceptions below ( there was no list of exceptions stated in this return policy ). Items must be returned in the original manufactured package. Items purchased from a marketplace retailer ( I did not purchase the item from a marketplace retailer ) can not be return to a XXXX store or XXXX ; item must be return back to the marketplace retailer. I had no purchase interaction with XXXX, do n't know if it exists. XXXX took full responsibility as the company processing the order and shipping the order via email contact to me. According to XXXX Terms of Use # XXXX : By purchasing a product by any of our marketplace seller you acknowledge that all orders will be fulfilled by the marketplace retailer and not XXXX. Well my item was not fulfilled by XXXX nor any other marketplace retailer because XXXX did not engage in any purchase transaction transfer with me. XXXX did. Just like XXXX, XXXX and XXXX, are third party sellers in the XXXX stores I have purchased their items in the store and returned to the XXXX store when there was an issue with the item. As a XXXX customer I deserved to be given the same precedent that is used to satisfy their other customers as well. I wish to take the printer back to the nearest XXXX store and receive my refund the same as XXXX was received transfer funds prior to me receiving the printer.
I have been paying on my student loan for 10 years and I owe more than the original loan amount. I have had some temporary forbearances due to a parent 's XXXX XXXX  and a lengthy contested divorce, but my remaining balance has remained the same despite many steady years of repayment. The terms of the loan repayment appear to be a deceptive interest only scheme, which is something I would never have agreed to if the terms had been properly explained. If my student loan amount of {$21000.00} were a car loan, it would have been paid off already in less than 10 years. The terms of my loan are suspicious and my student loan has become an chronic, persistent, never ending financial burden. My only option is to now obtain a home equity loan to pay off my student loan as the terms of a home equity loan will be far more cost effective and safer than the unconventional and misleading Navient student loan terms. I should have been better advised 10 years ago as I could have saved thousands of wasted personal income by securing a home equity loan then as a more sound method of repayment. As a single parent, Navient has profiteered and deprived my XXXX children of expenses that could have used for their educational fund. My conclusion is that student loan repayment services like, Navient, are predatory lending agencies designed to generate immense revenues at the expense of the student versus assisting with the cost of education. Students should be duly warned that student loans are basically equivalent to taking a loan from a loan shark.
On   XXXX   XXXX   XXXX     I contacted my mortgage company to alert them that not all of my taxes had been paid and were due by the end of  XXXX . They had paid all of  one county and part of the second county. I  made subsequent phone calls on  X/XX/17   ,  XXXX ,  X/X/17   ,  X/X/17   ,  X/XX/17    and  X/X/17    and sent emails and faxes to resolve this matter. I have supplied them with account numbers, addresses and the tax certificate that was presented to them after closing showing all the tax accounts and counties they are due to. I have spoken to several supervisors with the last  one  on  X/XX/17    who looked it u p on the county web  site while I was on the phone and said that he would request a check be sent  XXXX  on that following Monday to avoid a tax sale and he would work with the tax department to resolve it after that. He would call me back by Tuesday   XXXX    . I never heard from him. As of   XXXX     the taxes remain unpaid and have incurred over {$400.00} in unpaid penalties and interest.