WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I applied for a refinance mortgage loan on XXXX XXXX XXXX. XXXX TX XXXX. At this time I was given a Closing Cost Capital Worksheet form from XXXX XXXX XXXX XXXX ( His MLS XXXX ). 

I was told that I would have to pay for the appraisal which was {$470.00} I understood that this was a normal procedure so I was prepared to pay the {$470.00} with a check or credit card. 

On XXXX XXXX, 2015 XXXX XXXX XXXX put through an ACH business-to-business transaction against my savings account without my authorization. My wife when looking at our saving acount about 10 days later discovered the {$470.00} was taken from our Aavings account. She went in and asked XXXX for an explaniation and was told it would be repaid after closing. I have never and would never authorize an ACH out of my savings account, nor my checking account. 

After this the trust issue became a factor, along with a failure to completely explain the closing costs. Also XXXX XXXX XXXX got real upset with us when we refused to complete the transacion, he said that the bank would end the agreement. He sent an email of apology later that afternoon. 
I have called XXXX, and his manager several times to try to get them to return the ACH transaction, but they will not. I explained that the trust was no longer there, and the ACH was not authorized, and was an illegal Business to XXXX XXXX transaction, not allowed on consumer accounts. 
. 
I have contacted the ACH Resolution Department for the J.P. Morgan Chase bank and was told there was nothing they could do. I contacted the District Manager and the local branch of JPMorgan Chase and was told the same. The contact person phone number at the ACH Resolution Department I discussed the request with is XXXX, extension XXXX. 

I also contacted XXXX and the rules as explained to me stated, that " A Business-to-Business ACH transaction, states an agreement must be present betrween the businesses, and all other transactions require a recorded voice or signed authorization.
Trans Union has my account unbelievably wrong. It started XX/XX/XXXX. They have removed all of my credit history. I show only one credit card with XXXX. 
They are ruining years of perfect credit history. They show me as a XXXX score, but look at XXXX? I am and always have been XXXX or better. I've reported them to XXXX with no resolution. I've contacted them eight times about this mistake. XX/XX/XXXX they sent me a report listing all my history which displays why I am so upset. The history was correct on this report? Still they report publicly a XXXX score. Vindictive reporting about me for unknown reasons. I am extremely tired of fighting with Trans Union about this. The other two reporting agencies have my score correct when companies contact them showing XXXX and XXXX FICO SCORES. I WANT THIS RESOLVED! I don't know what their problem is maybe because of my conservative party views? 
Please help me. I am at wits end fighting Trans Union. They just won't admit they have lied about report for 6 months. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Texas
I am the victim of identity theft. This took place from XX/XX/XXXX-XX/XX/XXXX. On my credit report it stated to contact me prior to issuing credit. No one contacted me from your company. There is an open charge off from Ally Financial. I have requested documentation of this erroneous account and to date have received nothing. I have sent certified letters and I have also filed previous complaints with the CFPB. I also asked you to provided me with loan documents. I was told that you being Ally could not give me any information because it was not my loan. Well, I understand it is not my loan and if you also understand it is not my loan take it off of my credit report. I am at the point where I am wondering if you are not because you are in the practice of charging minorities inflated rates and providing bogus auto loans and have been sued and made to pay a large settlement to the victims of your scam. Regardless, you should have some form of documentation. You have provided nothing. Being that I requested documents via certified mail and you did not respond, you obviously have nothing on file and are being difficult because you people enjoy being difficult. When I called and spoke to XXXX and XXXX they were very rude and acted as if I did something wrong when in actuality it is Ally that is in the wrong because they never called to get approval prior to opening a loan when I was facing identity theft. Any company that preys on minorities being XXXX, XXXX, women etc. and has no conscience is no company I would ever do business with and after speaking to your office staff there is no way I would have done business with you people. The bottom line is you ignore the complaints of the CFPB because you realize you are wrong and you have no just cause to report this bogus loan on my credit report. Which is actually considered to be a negligent act according to the FCRA. Damages and punitive damages can also be awarded and in addition to that, I could also justify Ally Financial 's behavior as just another one of their schemes targeting minorities and perhaps become a party to the class action suit of the XXXX dollar settlement. Please remove the Ally Financial account from my XXXX credit report.
In XXXX of XXXX I filed a complaint regarding fraud on my credit card. This case involved XXXX XXXX and XXXX XXXX credit card. 

Now this account is closed. On XX/XX/2018, XXXX XXXX XXXX from the Office of the President in the company of XXXX XXXX, called me. She assured me the credit I was due would in fact be sent " soon '' but she could not give me a actual date. 'Perhaps 7-14 days, but she was not sure '. This call lasted about 5min in total. On the XXXX of XXXX I called XXXX and left a message informing her I still have not received the credit. 

It is now, XX/XX/2018 and I still have not yet received the credit. It is small in nature, under {$500.00}. but now it is the principle of the matter over amount. To be promised something from such a large credit card company, after a complaint is filed, and then to have no result, is mind boggling to me. I do not understand how companies can get away with this at all. 

Hopefully in filing this follow up complaint, the XXXX is able to assist me and cause this company to keep their promise. 

Thank you, and I look forward to resolution soon.
XXXX XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point  difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XX/XX/XXXX and XX/XX/XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score. 

Several months ago I negotiated with XXXX XXXX and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on Equifax and you can see the result in my credit score disparity as explained above.
On XX/XX/XXXX I recvd a call from XXXX XXXX  XXXX XXXX XXXX stating that she was calling from XXXX  court processing and summons district and that I needed to verify my information for legal documents do to fraud ... I hung up cause I know you are misrepresenting yourself and I have the call recorded. She then proceeds to skiptrace and contact my aunt, husband, grandma and tell them I have 6 counts of fraud the case # XXXX and I needed to call her back and she told them my legal documents had they name on them and they would need to come to court too. I found out she is calling from a place she only gave abbreviations for ARA and XXXX XXXX is claiming to be a paralegal telling me see you in court ... all calls are recorded.
I 've called the Experian multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
On or about XX/XX/2018, my XXXX XXXX XXXX was charged for a purchase of {$160.00} in a XXXX, Florida. I am an XXXX XXXX servicemember, currently stationed at XXXX XXXX XXXX ; I am a resident of South Carolina ; and I have never been to Florida. I contacted XXXX XXXX XXXX on or about XXXX XX/XX/2018 at XXXX XXXX, by phone. I informed them of the incorrect charge and I was informed that I would have to address the charges civily with the individual who made them. The reference number for the charge is : XXXX. I originally applied for a XXXX XXXX in XX/XX/2018, but I have never received the credit card.
I went to live in XXXX for a year and I paid off my credit card in full. I asked the represetantive of Bank of America to make my Payment in full but did not include the residual interest. Since I left thinking I paid off my account, my account became past due even though I thought I paid off my account. Bank of America did this to allow me to incure more fees and income my credit. Thank you
On XX/X/17 I went to the XXXX XXXX XXXX ( XXXX IL ) to get eyelash extension. However, services were rendered but everything that was requested was n't done. XXXX install the lashes. I specifically asked for XXXX lashes. She put XXXX lashes on me. I immediately told them I was unhappy and I wanted them removed. They sent me to another Stylist to replace them with XXXX. The next stylist stated that if she was to remove the lashes, by them being newly installed it would remove my real lashes. At that point, I requested a full refund and I was told that they 'll have the district manager to call me. I left to go to my grandmother 's viewing for her XXXX. The district manager XXXX called me and stated that she 'll be willing to give me a full refund. As long as I come back for them to remove their product. Keep in mind stayed there for 4 hours to leave disappointed. The 2nd stylist stated that the new lashes are too new to remove it would pull my real lashes off is why I did n't go back. I felt like I was racially profiled and that was the reason I refused to step foot back in that place. 

Gave Navy Federal my credit card company all this information and they refused to give me my money back after my dispute.
On XX/XX/XXXX, a Trans Union dispute for Incorrect Data on my credit report was started. It is still unresolved. XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account shows open and in collections with a debt of {$820.00} owed to unknown debt collector. After several disputes via online, over the phone and through the mail, the incorrect info still remains on the credit report. Proof from XXXX XXXX, ( Stating that there is no amount of money owed/account does not exist ) was provided to Trans Union, along with other supporting documents to prove the case for removal of the incorrect information in the report on Friday XX/XX/XXXX. This mail with the supporting documents was sent via USPS with delivery confirmation, and has a tracking number of : XXXX XXXX XXXX XXXX XXXX XXXX. Currently the USPS has it marked as delivered. After the fourth dispute was unsuccessful in rectifying the matter, I am currently writing this. The company Trans Union has failed and is in breach with complying to the laws of the FRCA. I have suffered actual  damages, soon to be including court costs, attorneys fees, lost wages and, if applicable via the courts, defamation and intentional infliction of emotional distress and possible punitive damages.
I disputed an inquiry that was falsely made by Capital One. This credit inquiry was made on XX/XX/2018. I sent a letter to the creditor via certified mail on XX/XX/18 which was received on XX/XX/18, After more than 30 days passing, this company responded to my first letter by sending me a letter that didn't make any sense, It seems like an opt-in or opt-out instruction letter to the bureaus, which doesn't make any sense, I did not authorize anyone employed by Capital One to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Getting calls from a finance company for some kind of debt. It is a pre recorded message from someone called General Revenue Corporation with a reference # XXXX, I do n't owe anyone I pay my bills when they arrive. This has got to stop. Somehow they also have my cell number and I do n't give that number out
Started with loan modification XX/XX/XXXX, have faxed and faxed and faxed, and SPS always says need something else! Example, first need information from a rental, faxed, then by the time that is faxed, now need updated bank statements, have called once a week and always something new! So paperwork sent now SPS needed a verification of mortgage for another property, ask SPS relationship manager XX/XX/XXXX said need P & L or V O M? Have sent both, the VOM was emailed XX/XX/XXXX and faxed and again emailed and faxed XX/XX/XXXX! Then get a letter dated XX/XX/XXXX said was  never sent! ( SEE PROOF ) Said had to disputed so emailed and per letter says have to mail! HAVE PROOF ENCLOSED! This is just 2 proof of how un-ethical and reason not to approve modification, especially since and option arm loan that banks do not offer anymore! Have requested an re-review SPS said too late told them XX/XX/XXXX that paperwork was sent in per there request! This is just one of many items i have proof of! They will refute the complaint but have PROOF of many and this ONE particular proof!
After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are 3  XXXX   XXXX  Inquires for 3 days in a row that I did not authorize. Th e 2 I  am disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2  inquiries for  XXXX   XXXX . The other  2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On Equifax there are  2 inqui ries per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters an d not one  of them has responded but  XXXX   XXXX  for  the one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.
The company, Capital One, reported to you that the issue had been resolved in my complaint, that is not true. They told me a refund would be issued for interest fees and over charges. Complaint # XXXX initial complaint.. I trusted they would do what they said, but have spoken to XXXX XXXX several times now and have been given every excuse in the book as to why I have not received my money. I don't get interest on the money that they owe me, but they sure found a way to charge me. Am playing the waiting game for my funds, if it were me doing this to them I would be in collections already. I just want MY MONEY RETURNED and to be done with this company and the way they do business. My opinion, they need to be investigated to see how many others are put through this when wanting to close an account. I have cut up and returned both credit cards and should no longer receive a statement from Capital One. It truly can't be this hard to issue a refund in form of a check mailed to me. 
PLEASE HELP ME WITH THIS COMPANY!
I am a victim of identity theft and I did not apply for some mortgage products or credit line from these accounts..I sent a letter to Transunion hoping they will help me out but they never did..CFPB please step up and remove the accounts XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX ) XXXX
It's fraud the inaccurate 's on my credit report which are the hard and soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my XXXX XXXX XXXX  credit scores and credit reports my XXXX XXXX adult son and the XXXX XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own that s why I haven't pursued criminal charges or law enforcement presents in the fraud situation
I received a payday loan from Check and Go and had an emergency and had to pay the fees and asked to borrow more money. XXXX times I spoke to a representative they told me that I could make payments at any time, not just on the next pay-day. I asked this question specifically, and they told me yes, I could make payments before the due date. When I attempted to do this, I was told I could not do it. Each time that the finance fees were charged, the loan just exponentially got bigger and bigger. I feel like they took advantage of me when I was down and now they are calling from a company called XXXX and telling me I am going to be sued. I told them that I would have to make payments and asked a few questions and the representative from the claims department started yelling at me. They are going to serve me with papers and take me to court and they told me that I did n't have to be there and that they would get a judgment against me for over {$3000.00} and garnish my wages. The loan was for XXXX, but now it is approximately {$1700.00}. I do n't think this is fair and I think that they lie to applicants. Please help m e.
No answer. 
When I call them back, they ask for personal information that I do not feel comfortable releasing over the phone. ( i.e. address and SSN ) I have asked several times why they are calling. 
The response is " ERC, we are attempting to collect a debt '', however refuse to tell me what debt.
I have this debt collection on my credit report for a long time. At the beginning I did n't pay attention to it because I knew I did n't owed it. They have contacted me letting me know that I did n't return a router to XXXX that I was supposed to when I close my account. I moved from New York back in 2012 and I personally returned the router to their office in XXXX XXXX in XXXX. I had previously contacted XXXX and let them know about me moving ; they told me all I had to do was to return the router, and pay any balance in full, I did so. Right now I decided that it was time for us to buy a house, but I have this negative and false report that is affecting my credit worthiness.
I was a victim of identity theft and noticed a collection from Portfolio Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I had a {$36.00} balance in collections with EOS CCA from a XXXX XXXX XXXX account. First, I did not start receiving bills until XX/XX/XXXX when I lived in Texas and after several communications with EOS, it turned out that this was from an old Ohio address from XX/XX/XXXX. And at that point, I had spoken to XXXX XXXX in Texas and it was confirmed that we had a {$0.00} balance so I had thought this was taken care of. We were never notified that this was from Ohio. I then tried to dispute the {$36.00} with the credit bureau which was then unresolved. When working with a mortgage lender, I found that this account is impacting my credit score by more than 20 points. Finally on XX/XX/XXXX I called EOS and paid the {$36.00}. I now currently have a $ XXXX/closed account with EOS and XXXX XXXX. When speaking with EOS, I asked them that since the account was closed and paid in full and it is impacting my credit score so significantly, if they would delete the account from my credit report. They refused. I spoke with managers and associates more than 4 times in the past 3 weeks trying to resolve this because it is such a small account and there was so much confusion. I was never notified of the important details of this account from EOS, thus I do not feel that it should reflect on my credit report. If the {$36.00} was valid, I could have paid it years ago. I then spoke with XXXX XXXX directly on XX/XX/XXXX via Chat and via phone. This was the date that XXXX XXXX informed me the account was from XX/XX/XXXX. On this day, a woman from XXXX XXXX submitted a ticket to EOS asking them personally to remove the account from credit because she agreed that for this little balance, it needed to be removed all together. Then on XX/XX/XXXX, I called to check in on the ticket and was told by a gentleman that the ticket just asked for a {$0.00} balance when she has specifically agreed to submit a " Deletion '' request. So this gentleman then submitted a " Deletion '' request. He apologized as well, also agreed this was ridiculous and said he would do everything he could to help with EOS. After submitting THIS ticket ( I have this ticket number he provided to me ), I called EOS back. I asked EOS to review the XXXX XXXX ticket to get this deleted and they refused to even look at it and said " we do not delete and your account is closed ''. Bottom line, I am trying to get housing for my family and this {$36.00}, although paid in full, has been an ongoing issue that I really need help with getting resolved. Thank you for your time and assistance.
I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.