WillisBack/dataset-financial-user-claim huggingface dataset:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), CAPITAL ONE NA, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by CAPITOL ONE NA on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and Capital One NA and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
XXXX unauthorized took {$210.00} out of my bank account on XX/XX/XXXX16 and they were not suppose to take it out as they promised me they would n't until XX/XX/XXXX16.This caused my bank account to be overdrawn and a overdrawn fee was charged for $ XXXX.I was going to file charges with my bank against XXXX but XXXX promised they would pay the {$36.00} overdrawn fee so I did n't persue it further with my bank.
Credco, XXXX and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
I have received a debt collection letter for a toll violation for a vehicle that I owned in XXXXXX/XX/2018. The violation is listed as occurring on XX/XX/2018 and the license plate number is XXXX and I do have that license plate registered to an existing vehicle and in XXXX it was licensed to another vehicle that I owned. 

The license plate and vehicle have a valid XXXX registered to that plate and vehicle combination. The vehicle indicated did travel through Maryland on XX/XX/2018 through the tunnel in XXXX MD via the XXXX lane. 

It is not my fault that the state 's equipment failed to detect my transponder, and the proper course of action would have been to confirm that the vehicle is registered for XXXX but Maryland and XXXX XXXX XXXX appear to be conspiring to operate a grotesque revenue enhancement scheme to the detriment of lawful XXXX holders.
In XXXX I lost the employment and had to get off my income based repayment plan and was moved to forbearance due to unemployment. I regained employment in XXXX. I called AES to request that an Income Based Repayment ( IBR ) plan application be mailed to me. After a few weeks I called back and was told that the IBR was mailed but that they would send it again. A few weeks later after receiving nothing I called back and was told that nothing was mailed either time and that I can go to the website to get the application. I said that I don't want to go to the site and asked that get the application mailed to me as I did 3 calls and 2 months prior. A few weeks later I called again for a fourth time asking where the application was because I still haven't received anything. I was told that the " systems were down '' and that " nothing could be mailed but I could go to the website ''. I told that person that for the fourth time and 3 months after my initial request that I still want the paperwork mailed. After receiving the paperwork I completed the application as instructed and faxed it in along with the required pay stub. 2 weeks later I got an email saying that my application was denied and I have to stay on my current plan. I emailed back saying that how could my application be denied? I am working and want to start repayment but can not because they denied my application and want me to continue paying nothing! They replied back saying that I was denied and have to stay on my current plan. I replied saying that is ludicrous. I can resume repayment because I have income and don't want to continue paying nothing. AES 's response was that I must continue on my current plan until next year when my current repayment plan is up for renewal. That is insane. They owe me for the 3, now 4 months of accrued interest and to go over with me terms of repayment. What AES is doing is CRIMINAL.
On XX/XX/XXXX, XXXX XXXX  inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with XXXX XXXX  since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted XXXX  customer service on XX/XX/XXXX to question why my XX/XX/XXXX payment was reported to the credit bureau as being late. I paid the XX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXXand XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states XXXX XXXX   will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXXand instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.
My daughter opened a credit card account with XXXX XXXX XXXX XXXX XX/XX/XXXX and added me as an authorized used. I asked her to remove me and she did effective XX/XX/XXXX. She was 30+ days late on a payment XX/XX/XXXX. The account is showing up on my credit report, complete with delinquency as of XX/XX/XXXX. I have asked Equifax to remove this from my credit report as it is affecting my score and the delinquency is glaring!
I and my brother/partner applied to a mortgage company to refinance our property. We provided information in a timely manner, and responded quickly to follow-up requests for information. The mortgage company said they were having trouble researching title. I repeatedly offered my help if they would describe when the problem was. The mortgage company took weeks and weeks to resolve their issue. Meanwhile our interest rate lock expired and the interest went up and up. I tried repeatedly to offer my assistance. Finally, they agreed to share the issue with me and I was able to make a few phone calls and share a few emails to resolve the issue. There is something very wrong with the process and what happened. Whether outright dishonesty or ineptitude, my brother and I had to pay a huge price due to very avoidable delays ( as I demonstrated in resolving the problem ). We had refinanced the property more than once before, quickly, without any trouble. We were told by other lenders that it would take only a short time to refinance due our excellent credit ratings, solid income and assets, and our long ownership of the property ( 30 years ). We request government help to look into this issue to determine if we were treated in an unfair manner. It is hard for us to reconcile this as a fair business transaction. We feel that we have been served poorly, and possibly, treated criminally. The mortgage and escrow people were all very courteous, but we ca n't understand why the process stretched out so long and we thus were severely financially penalized.
Experian, XXXX and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?
I have spent 3 years getting XXXX excuse after another as to why my forgiveness has not been granted. I was told paper work had a problem, it takes a while to process, keep asking for deferment, it is forgiven but takes a few weeks to show. Now they have XXXX other social security numbers attached to my name and said I was denied in XXXX which was news to me. If they do n't know who I am why can they talk to me and if my loan was denied why am I getting to defer my payments still. I learned this XXXX XXXX XXXX. I am afraid if I reapply this will start all over and they will drag it on again saying it is a new application
as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX NA XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX
I am one of the 143M Americans whose credit information was compromised by the recent XXXX data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.
I have been a victim of XXXX Experian security breach. They are several inquiries on my file that I dont recognize. These inquiries are a result of the XXXX Experian data breach.
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Bank of America agreed to a loan modification after notifying us a few days before XX/XX/2015. We submitted all their documents they required and they received all documentation. The entire file was copied at sent From a BOA branch in XXXX XXXX directly to the loan modification BOA branch. We had gone through quality control and the file was placed for modification and BOA attempted to stop the sale but the Bank bought our property. I am a XXXX Veteran. I served as XXXX. XXXX. The veterans administration gave me a XXXX income and has already approved and inspected our home for a VA grant of {$90000.00} and a XXXX XXXX grant of {$90000.00} to make our home of 16 years XXXX. They were going to bring the home up to code, and add another room for me with seperates bath and new appliances. The remains money after renovations is paid directly to BOA, lowering the principle. Attorneys for BOA argued in court that they never heard of the VA money and that it was just a sham to delay the foreclose- I paid an attorney to file an objection to the transfer of the certificate of sale. BOA committed the shams, used robo signers, created a document a mortgage note and forged my name on it- nobody cared and I guess that is standard practice for BOA. 
But I do have the benefit from the VA. I would like them to honor the loan modification and allow the VA to upgrade the property and pay down the principal. I have the VA benefit and the income to pay. Why they would want to put a XXXX veteran with XXXX XXXX kids on the street is beyond me. It 's just greedy and plain wrong. Help! XXXX XXXX Home loan team BOA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : VA benefits can be verified for XXXX XXXX by XXXX XXXX, Sr. Appraiser/Specially Adapted Housing Agent office phone and fax XXXX XXXX email : XXXXXXXXXXXX. Mail XXXX XXXX attn : XXXX XXXX XXXX XXXX, XXXX XXXX.
Shortly after graduation from law school, I began working for the XXXXXXXX XXXX XXXX as an XXXX XXXX XXXX. At that time, I decided to accept the terms of the Public Interest Loan Forgiveness Program. I contacted FedLoan Servicing in early XXXX and was informed that several of my student loans were Federal Family Lending Program loans, not Direct Loans, so they would need to be consolidated. I asked XXXX to identify the loans which needed to be consolidated and they did so. I consolidated all those loans they identified. They are the consolidation loans in XXXX of XXXX. I also applied for PSLF certification. I have applied for PSLF certification at least three times. XXXX never indicated that these loans were not eligible as a resolut of my certification applications until XXXX. 

In XXXX when I applied for PSLF certification with my new employer, the Florida Legislature, XXXX informed me for the first time that three of my outstanding federal loans were not PSLF eligible. These loans were identified by XXXX as eligible for PSLF previously and that it why they were not consolidated. XXXX refuses to acknowledge that they are PSLF eligible or credit the on time payments made so far on these loans. This is despite the fact that these loans are owned by the U.S Department of Education and Guaranteed by the Federal government. 

I contacted XXXX on this issue in XXXX of XXXX. They requested time to work on this issue. Every time I call or write XXXX sends me to a new individual who promises to look into the issue and contact me, but they never do. I have called, I have written, and done everything in my power to try and resolve this for over a year. At one point, the individual " assigned '' to resolve my issue was allegedly terminated and his entire unit disbanded. 

XXXX 's only solution has been to consolidate these three loans anew, even though I was told they are PSLF eligible and they should be PSLF eligible. This would start my 10 year clock on PSLF over. Because I would still be a public servant on income based repayment it would effectively extend my PSLF term to 15 years instead of 10 because of mistakes made by their employees. This is not fair, and it is not right. I should not have to file a law suit to make the government and their service providers live up to their side of the bargain. I simply want credit for my on time payments. Extending my term to 15 years will continue to delay significant life events for me. It will put off home-ownership, purchase of a vehicle, and could even impact decisions such as marriage or having children. I just want XXXX to do the right thing. 

I have attached documentation. Please review this as well for additional details.
My mortgage paymeny increased approx. {$600.00}. The mortgage company indicated that my escrow account did not have enough to cover property tax increase. 
I have spoke with several different mortgage reps. Its like a game of tag ( pass customer ) get them realy confuses or XXXX. 
I do not want to loose home to fore closure. A refinance counselor mentioned that I should ask if the mortgage would remove my Mortgage Insurance. He indicted that by the FHA guidlines a customer is requiredto make the payments for 5 years. Is there ant truth to that? I have been paying for over 5.5 years.. ( HELP )
My name is XXXX XXXX and I own XXXX XXXX in XXXX, MN. We have been continuously harassed by XXXX for a contract my agent XXXX XXXX supposedly signed at a real estate conference in XXXX XXXX. We started receiving statements in the mail for a service neither XXXX or I knew what services they provide. I received them at my office and started forwarding them back to XXXX because it clearly seemed like a scam to me. Several representatives started calling XXXX and than eventually me to demand we pay the balance. We stated numerous times we had no idea what this was for and that we wanted a copy of the contract. We never received it. 

We contacted XXXX around XXXX XXXX, 2016 to speak to a representative and were referred to a XXXX XXXX, a customer relations specialist ( XXXX XXXX ). She sent a copy of the contract to us and it was incredibly apparent XXXX 's signature had been forged and our company was listed as " XXXX XXXX ''. She insisted we send a copy of XXXX 's driver 's license so they could compare signatures. We told her we were not comfortable with that in fear we were being scammed. 

The case was referred to a collection agency who we told numerous times we had been scammed and would not be paying the balance. 

Recently, we received a letter from a Leviton Law Firm dated on XXXX XXXX on XXXX XXXX demanding we pay the difference. I drafted a letter back XXXX XXXX to a XXXX XXXX stating XXXX was an independent employee with no company ownership and was not authorized to sign anything on behalf of the company and that this was not a legitimate claim. Furthermore, that we did not want to be harassed any further on this manner. 

Today I received a call from a XXXX XXXX ( sp? ) XXXX Ext XXXX saying he was with the XXXX XXXX team threatening litigation. I advised we had no idea who XXXX was, had never used their services, and that we had been scammed. I asked if he even had a copy of the contract and he said no. It was clear his whole point of the call was to argue and not resolve the manner. Just do a simple XXXX search for this guy and you can see he 's a scam artist. 

I will not put up with these kind of threats and damage to our reputation. Please look into this manner ASAP with XXXX and the Leviton Law Firm. 

Thank you
I cant access my credit report online with Equifax and I have talked to several people since XXXX with no success. They claim its a glitch in their system and it would take 7-10 days to fix. However they have been telling the same thing for 3 months. As a result, I cant access my XXXX and XXXX files credit files via another credit monitoring services I am paying for. I recently canceled my service with Equifax because I have no access to my report but was still being charged monthly. They claimed to have refunded me for a month 's service fee but I never received the refund back in the bank account it was debited from. Furthermore, as of Friday XXXX XXXX I was told that I should upgrade my service and that would fix the problem of me having access to my report. Upon payment, I was told that the payment didnt go through and thats why I didnt get my updated report. I gave another card when I was told it must be the credit card company refusing the transaction. Finally, I gave my debit card and I still did not get access to my report. That is when they realized it was n't my cards but once again their system. I was basically charged {$19.00} four times between XXXX of my bank cards and still have no access to my credit file. After that they transfer me to another dept who stated that it may be because I did n't put my middle initial and that must be causing the problem with their system and the other credit monitoring system I use which is XXXX. I was told to re-sign up for their service and include my middle initial. The problem with that is, upon signing back up, their registration page does n't ask for a middle name! They 've instructed me to end in my drivers license and ss card which I have now done approx. seven times! They are either incompetent or playing games. I am getting the runaround and it is very frustrating.
TekCollect is attempting to collect a debt that is not owed. This alleged debt is to a XXXX in XXXX Illinois. XXXX refuses to provide any invoices or evidence that these monies are owed, TekCollect has no evidence to support this alleged debt. 

Security deposit is owed to me for the apartment,
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment when I received my statement. My only thought is that my statement did not get to me.