WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.
I made a deposit to Bank of America on XXXX/XXXX/15 for {$1400.00} and received a receipt that a deposit was accepted and would credited by the end of business, which it was. In the interim on XXXX/XXXX/15 they retracted the deposit and placed a hold on it until XXXX/XXXX/15. I did not receive any notifications, but in talking with the bank representative they claimed it was emailed to me on XXXX/XXXX/15??? How can you charge me a {$35.00} fee on XXXX/XXXX/15 without providing notice. To add insult to injury I was charged another {$35.00} fee on XXXX/XXXX/15 for a difference of 34 cents??? This is down right deceptive and should be illegal.
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX  XXXX ; XXXX XXXX XXXX  ; XXXX XXXX and XXXX XXXX
Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XX/XX/XXXX of XX/XX/XXXX. Bankruptcy XXXX in XX/XX/XXXX of XX/XX/XXXX. Fast forward to XX/XX/XXXX checked my credit report XX/XX/XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to XXXX and transunion report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.
In XXXX I requested a line of credit from XXXX XXXX and instead they gave me a second mortgage that paid off my credit cards and car at that time. This is not what I wanted. However I made monthly payments faithfully until XXXX when XXXX XXXX folded and my payment was returned to me. I made several attempts to continue paying the loan, however was unsuccessful in finding out what happened to my loan. Recently I am trying to re-finance my house and have been told that there is a lean on my property and my re-finance will not continue until this matter is resolved. I tired to contact XXXX XXXX again and was told that Value Recovery Group now has the loan, however they will not work with me. This loan appears paid in full on my credit report. I contacted XXXX XXXX XXXX, XXXX non profit organization to assist with this matter, as time is of the essence, and they instructed me to petition for assistance.
I've sent letters to this company and have not heard back. After having my credit report pulled, I found that they have a debt listed that does not belong to me. I've never had an account with XXXX. I've been a XXXX customer for years. Matter of fact, when I recently tried to switch to XXXX, they gave me two brand new XXXX with no money down. If I had issues with them, I believe they would have noticed a previous account. ( I ended up returning the devices within the week, after deciding to stay with XXXX ). This was in XX/XX/XXXX. This account on my credit shows that it was reported on XX/XX/XXXX The fact that they have not tried to resolve this is causing me extreme financial distress. I want this account removed off all three of my credit reports immediately.
On XXXX/XXXX/16 ERC ( a collection company in XXXX FL ) sent a collection letter to my California home address, with a name similar to mine ( with incorrect spelling ), claiming that I owe a debt for services never solicited or rendered. I have never had XXXX XXXX XXXX services at my home. For the past 8 years my landlord has provided all utilities ( including our XXXX XXXX XXXX XXXX cable services ) in her name. I am concerned about fraud on the part of ERC, XXXX XXXX XXXX or an unidentified third party individual. ERC states in the bill sent to my address that these charges will be validated if I fail to respond within 30 days. This is not my debt.
I have informed collector of my new mailing address but yet collector still send collection letter/notices to my old address which my sister live. Collector seems to use the mailing to old address for important documents/court order to which I did not received and fail to report and result in a default judgement. I have letter written to inform collector with settlement check which the cashed and acknowledgement of my new resident/mailing address.
I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue.
I made an attempt to use my Macy 's American Express Card in XXXX and was informed the transaction was declined. Called Macy 's regarding this matter and was informed my account was closed in XXXX XXXX, my XXXX Credit Report dated XXXX/XXXX/XXXX clearly states my account was not in a closed status until XXXX XXXX, I still was not notified by a letter or on my statement. I had called customer service and ask why I had a XXXX limit, I was informed I still was able to use my card and disregard the XXXX available credit line. I also called XX/XX/XXXX to inquire about my credit rating on my account and received a letter stating they could not change the 60 days past due, again never informed me the account was closed. I had some financial difficulties XX/XX/XXXX and worked with Macy 's credit to keep my accounts going, I was able to get back on track in XXXX XXXX. Why was n't I notified my account was closed and why they led me to believe my account was in good standing when I made payment arrangements to keep my account in good standing. Why was n't I notified my account was closed when I inquired XX/XX/XXXX and received a letter in the mail that the 60 days past due was going to remain on my credit, why was n't it stated account closed on my Macy 's American Express statements, why no indications when I make an an online payment, why does the automated system says I have {$440.00} available, why no letter?
This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with   XXXX   and  XXXX .

DISCOVER FINCL SVC LLC # XXXX 
  XXXX   XXXX   XXXX    XXXX , DE  XXXX 
  XXXX   XXXX  
Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:   XXXX   
Last Payment Made:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX  
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from   XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of   XXXX   from   XXXX   to   XXXX  
Estimated month and year that this item will be removed:  XX/XX/XXXX 
  XXXX     XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX  1
Greetings, I have tried to fix this issue now twice with my bank and they had credited my account and now they reverse the charges telling me that they dont see any errors or that they dont see that the account was closed with XXXX XXXX XXXX  credit card which is the same bank I also had a complaint against for fraud. 
Basically, XXXX XXXX is not protecting their consumers because I told them that I had already filed a report against XXXX XXXX and they should not have taken my money and that is one reason why I have my bills pay directly with another banking institution because with XXXX XXXX it always a drama and injustice to get your case resolved.
When paying the Sams Club XXXX online, the authorizing screen switches to the minimum payment, typically {$25.00}, if you do not wait for the previous screen to fully come in before clicking to proceed. The only indication that it has not come in fully is a small circle still spinning near the top left of the screen. 
This has caused me and I 'm sure countless others to end up with unwanted finance charges. I complained to the company. They returned my fees, but I see they have not fixed their website and it almost happened to me again, today.
I am on an income based payment plan and was informed that the interst would be separate form the principal balance, however my credit report is reflecting a higher amount and is adversely affecting me
Unauthorized inquiry on my report. Was checking my reports and realized there was an unauthorized inquiry on there. 
~XXXX ( XX/XX/2018 )
The car was in the hand of my ex husband possession and he was the responsible to make payments and kept the car after we separated, I didnt know he was late until the bank started calling me and trying to collect the money from me, I explain the bank I didnt have the car and I knew my name was in the loan but it wasnt fair for me to pay something that I dont have and I wasnt driving. So the bank repo the car from my ex house, so I paid all the repo fees and the late payments he didnt paid. I will take over this account and Ill be the responsible to the loan from now on because I have the car under my possession. If do you need probe all the fees I paid Im willing to forward that to you.
I disputed negative accounts and inquiries through all XXXX credit bureaus and the information still remains on my credit report. I even submitted my police report and affidavit showing that I am a victim of identity theft and the negative information was still not removed.
On XX/XX/2018 I disputed Accounts XXXX XXXX And XXXX with Equifax credit bureau. I disputed these accounts under FCRA section 609 ( a ) ( 1 ) ( A ) to disclose all information and FCRA section 611 ( a ) ( 1 ) ( A ) A consumer contract with my signature on it. I called Equifax on XX/XX/2018 to check status on these accounts and they said these accounts where Verified on XX/XX/2018 and did not disclose any information as was requested and didn't send any documents which is noncompliance Section 617. So I wrote another letter on XX/XX/2018 Under section 609 ( a ) ( 1 ) ( A ) and FCRA section 611 ( a ) ( 1 ) ( A ) for the same accounts XXXX XXXX and XXXX. I sent this letter certified and tracked it Equifax received this letter on XX/XX/2018 @ XXXX. The mail Receipt was received and signed by XXXX XXXX and dated for XX/XX/2018 and sent back to me as I requested. I noticed my online Equifax did report did not update in the remark box stating dispute. So on XX/XX/2018 I called Equifax and asked if they receive my dispute letter they said no. On XX/XX/2018 I called Equifax back to verify if they receive my dispute they said no. I notice no update on my Equifax Subscription so on XX/XX/2018 i called Equifax and asked if they receive my dispute they said no. I called XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, And today XX/XX/2018 and even spoked to a supervisor and no dispute had been started yet. I have evidence that they receive my dispute. I will be showing documents of the dispute letter and the certified letter mail receipt signed by someone from Equifax.
To Whom It May Concern : I purchased a home on XXXX XXXX, XXXX in XXXX XXXX County, MD for {$220000.00}. It was a predatory loan ( s ). On XXXX, XXXX the original loan ( s ) were purchased by XXXX XXXX & XXXX ( XXXX ) for $ XXXXXXXX7.25 % interest rate. XXXX gave me a modification ( 5.25 % interest rate ) ( charged me {$18000.00} for the modification ) and XXXX owners went to prison for fraud. The loan went into default as the modification was insufficient to address my financial hardship. XXXX XXXX now claims to have been the financier of the loan and is demanding full payment and is in the process of foreclosing. I practiced poverty law as a defense attorney until I had to retire in XXXX due to a XXXX. I want to keep my home. It is now valued at an estimated {$99000.00} or less. I believe I am the victim of fraud, predatory lending, unfair business practices, and XXXX only knows what else. I have a foreclosure sale date of XXXX XXXX. A previous foreclosure sale was dismissed by the courts. I do believe it had something to do with the documents being altered. I spoke with the county prosecutor 's office. They agreed that the signature of the notary was potentially fraudulent on the documents but was under a mandate to allow the courts to proceed with the foreclosures despite the lack of integrity of the documents. Thank you for taking the time to read this. Best regards.
THIS LETTER SERVES AS FINAL DOCUMENTATION THAT CONSUMER LOAN TERMS HAVE BEEN COMPLETED ( 1 @ @ @ @ XXXX XXXX XXXX HAS PAID IN FULL AND LESS THAN XXXX DAYS LATE )!! MY CREDIT REPORT SHOULD INCLUDE AND ACCURATE PAYMENT HISTORY ..NOT DELAYED. YOU CAN REPORT A LATE IMMEDIATELY AND NOT REPORT MY PAYMENTS!! USAAlocked me out of online account access and discriminated towards me by saying derogatory information and payments for an unsecured loan not related to secured auto loan! This was retaliation to push me into FORCED REPOSSWEIONAND ILLEGALLY OBTAIN VEHICLE!! 

AFTER PULLING MY CREDIT REPORT, USAA CONTINUES TO REPORT ERRONEOUS INFORMATION IN AN ATTEMPT TO MAKE FALSE DEROGATORY STATEMENTS AS SUBMITTED IN WRITING TO CONSUMER PROTECTION COMPLAINT ABOUT MY CHARACTER AND PAYMENT HISTORY to FALSELY REPOSSESS A XXXX XXXX XXXX. 

I THANK XXXX I DID NOT DEPEND ON USAA FRAUDULENT UNEMPLOYMENT INSURANCE. " PAID IN FULL, '' tells the truth not lies from a collections department. THE FINAL PAYMENT IS BANK ISSUED CERTIFIED PAYMENT AS ALL OTHER PAYMENTS due to USAA LOCKING ME OUT ACCOUNT ACCESS!! 

LASTLY, The USAA complaint response from THE COLLECTIONS DEPARTMENT VIA ATTORNEY VIOLATED - PRIVACY Act BY DISCLOSING MY personal /additional credit history not mentioned in the original complaint ( UNSECURED LOAN ) to retaliate and discriminated against me. BAR COMPLAINT COMING!! 

XXXX XXXX PAYMENTS XXXX WHICH WAS NOT REPORTED TO MY CREDIT REPORT! USAA said XXXX XXXX XXXX XXXX 

PER YOUR CONSUMER LOAN STATEMENT CURRENT BILLING CYCLE XXXX/XXXX/XXXX - XXXX/XXXX/XXXX PAYMENT DUE DATE XXXX/XXXX/XXXX AMOUNT DUE XXXX TOTAL PAST DUE XXXX TOTAL PAYMENT XXXX. I ALSO SENT AN ADDITIONAL XXXX} ON XXXX XXXX, XXXX TO SEND A REMINDER GIVE ME MY TITLE I DO NOT MEET THE CATEGORY OF PAYMENT AFTER XXXX/XXXX/XXXX!! I EXPECT MY TITLE MAILED TO MY ADDRESS BY XXXX XXXX, XXXX ( I WILL GIVE YOU LONGER THAN XXXX XXXX AS YOU STATED TO ME )!!!! I HAVE THE $ $ $!!! PAID IN FULL!! GIVE ME MY TITLE!! I OVERPAID YOU MAIL THE REFUND TO ME!! 

I WILL NOT LET USAA XXXX ME AS I HAVE MET MY CONTRACT OBLIGATIONS AND PAID THE LOAN IN FULL!! I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE TRUTH IS HEARD ABOUT THIS ROGUE COMPANY!!
I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have  violated federal law.
Huntington National Bank w ent after me when my ex wife filed bankruptcy. The {$50000.00} Home equity line of credit was awarded to my ex in our divorce decree dated in  XXXX ,  XXXX  in  XXXX , OH. After she filed for bankruptcy they sent certified mail to my parents address, to my Father who has  XXXX   XXXX   XXXX . I did not sign, or live there! Needless to say, he signed for the mail because he did n't know what he was doing. I did n't know that he had signed, or received these documents until after they already went to  XXXX   County Court an d decided to garnish my wages in  XXXX . I tried to contact the Attorney 's and  Huntington  Bank to straighten this out, but was told that they could n't help me. I have been getting garnished for a debt that was never mine to begin with, that should have been taken care of by my ex wife. Which was probably included in her bankruptcy.
Reference to account : XXXX I file a complaint against the company about the debt. The company is being technical stated that XXXXI did not put both account number on the complaint of the same deb tto be removed.. They only removed one account. The account number XXXX still remain on my account. The case was handle in court : I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated that XXXX XXXX sent the collection to XXXX XXXX by mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by XXXX XXXX at XXXX XXXX that the complaint was not for both accountXXXX XXXX XXXX XXXX XXXX have file a garnishment for $ XXXXthe amount of the judgment by the court.
I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX twice explicitly without my consent.
I have not been able to contact anyone regarding the locking of my account and funds. 


Created complaint on XXXX XXXX, 2018 XXXX PST. Still no reply after 4 days.
our house was on the market for a short sale already agreed upon by both parties. We have an agent who was in constant contact with the mortgage company and they have authorized a short sale. Suddenly we received a message that the house has been foreclosed on XXXX XXXX with no notice.
On XXXX/XXXX/2015 an online dispute was initiated by me with Equifax, concerning a collection reporting by XXXX XXXX XXXX an amount of {$6700.00}. The investigation was completed by Equifax on XXXX/XXXX/2015. Only 2 days. This led me to believe that a proper investigation into the facts were not done by a human, and the results of this item remaining on my report were all computer generated. I filed a XXXX dispute via telephone on XXXX/XXXX/2015. I asked the agent if any documents were sent by XXXX XXXX XXXX to counter my arguments and documentation from the XXXX dispute. Her response was " NO ''. The agent also assured me that the collection agency will definitely be required to send documentation the next time. This XXXX investigation was completed on XXXX/XXXX/15, only 1 day. They claimed that the debt was verified, and remained on my credit file. I called Equifax again and requested the documents that were sent by the credit collection agency to disprove my information. The agent, ( who would not give me her last name, or the location of the office she was working out of ) informed me that I was not allowed to know what the collector sent to disprove my information. I then requested to speak to a Supervisor. I was connected to XXXX XXXX from the Equifax office in XXXX GA. XXXX XXXX XXXX told me that I was not allowed to know the information that was sent by Resident XXXX XXXX that supposedly countered my arguments for the incorrect reporting. He also said that his agents are trained not to supply a consumer with their last name or office location. I found this highly disturbing due to the fact that these employees had access to all of my personal information right at their fingertips. I also informed him that no documentation was sent by the collection agency to refute my claims during the XXXX investigation, and therefore the this negative information should have been removed. XXXX XXXX continuously insisted that the debt was verified and reporting correctly.
On XXXX XXXX I sent a letter to Pinnacle to validate the debt that I owe, they received the letter on XXXX XXXX, I received a letter from XXXX date XXXX XXXX saying " Based on the content and circumstances of the enclosed letter, Pinnacle believes that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Pursuant to 12 CFR 1022.43, such a dispute is considered frivolous or irrelevant, and no investigation must be conducted The purpose of this letter is solely to inform you that Pinnacle has deemed your letter to be frivolous or irrelevant, and has not conducted an investigation into the claims made therein. ''