WillisBack/dataset-financial-user-claim huggingface dataset:
since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Auto Financing Chase Bank Usa, N. A TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

Chase Bank Usa, N. A TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos.
I submitted an income driven repayment plan change request to XXXX on XX/XX/2016. On the XXXX it was approved, then a few days later my loan was transferred to XXXX. My payment plan change did not transfer, so I applied again and was reassured that the application was received and everything was ok. I then received a notification that my application was denied because my loans were not in repayment ; they are. I called and was told to resubmit along with some updated income information, and I did, my request was denied again because it was n't time to renew my income. It 's been 3 months and I 'm unable to continue making my high payments.
On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXXthrough XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

Please help!
I sent letters to these companies and asked Equifax to send me proof I approved these inquiries and no one provided proof. XXXX said the inquiries most stayed even when I did not approve them. 

I want the following inquiries deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I submitted a payment that was due on XX/XX/XXXX, and was received by XXXX XXXX on XX/XX/XXXX, a whole seven days prior to my due date. However, I still received a late fee. I have had issue after issue with late fees with *only* this card and company. This is the only card that takes five+ days to credit my account when using XXXX XXXX XXXX bill pay, so now I have started paying early to attempt to avoid the continued fees, obviously now, to no avail. 

In the last complaint the company blamed XXXX XXXX and indicated that I needed to have XXXX XXXX message/contact them to correct the issue. XXXX XXXX said they released the money to XXXX XXXX after their 2 business day delivery window and that the extended amount of time for XXXX XXXX to post the payment was on XXXX XXXX and there was nothing they could do other than print out the release of funds statement, which I had already supplied to XXXX XXXX in numerous previous complaints about this issue. I am unsure what to do, other than assume I am paying interest and a $ XXXX monthly fee ( late or not ) at this point.
The collection agencies of XXXX XXXX XXXX XXXX XXXX an affiliate of Kirschenbaum Phillips & Roach, PC,, are garnishing my paycheck for a second time for interest, they alleged, that was never factored into the original garnishment to satisfy a XXXX credit card. I provided proof from my work payroll department that all of the debt had been paid in full from the original garnishment collected from XXXX thru XXXX. They insisted that an interest of $ XXXX still due. In XXXX I received another notice that interest accumulating from XXXX/XXXX/15 would be applied to the account. I want this to desist and Kirschenbaum XXXX., to stop hounding me for interest due upon the interest, etc.
paid collection at XXXX XXXX/XXXX/2015 shows no balance, but Diversified consultant is show smae $ same reason that I owe $ this typical of XXXX, they were the original creditor. The turned over to XXXX and then over to Diversified.
The complaint involves EQUIFAX AND XXXX report a chapter 13 that has n't been VALIDATED yet still remains on my report. Equifax deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
EQUIFAX AND XXXX HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.
While reviewing my credit reports I discovered a debt collection from Helvey & Associates Inc. I sent the company a debt validation request for them to VALIDATE not verify the debt they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement for customer XXXX XXXX. My name is XXXX XXXX. This does not prove that I am the party who they are seeking to pay this debt. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Transunion listed on file of the accounts : XXXX # XXXX XXXX # XXXX XXXX # XXXX
XXXX   XXXX   is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that   XXXX   XXXX   is reporting on my credit report. If   XXXX   XXXX   can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to   XXXX   XXXX   in regards to this issue but have yet to receive a response.
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  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , PA   XXXX   This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
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I demand the following account be properly verified or removed immediately.
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NameofAccount : Date Reported : ProvidePhysicalProofofVerification :   XXXX   XXXX    {$46000.00}   XXXX   XXXX  , 2011 Unverified Account
Ditech, XXXX XXXX XXXX, Green Tree it whatever title the company is going by this week is a joke!! I have been a victim of them for far too long. Not only are the employees rude, it goes beyond that, they downright harass you, and hang up on you if you decide to say anything back to them. 

My husband and I took out a mortgage with Green tree homes in 2013, this was by far the worst mistake of my life!!! In the beginning I was told my house payment would be {$450.00}, and the total cost of my home was {$51.00} XXXX. The House didnt even have a septic system so before buying we also had to finance this in with the cost of the house. The septic system that was put in never worked correctly and weve had to have it pumped once or twice a year. On top of that this took my {$450.00} payment up to {$600.00}. 

Fast forwarding some green tree has switched and is now ditech. I never agreed to finance through another company and had no knowledge of this. 

Fast forward again, we got behind on 3 payments around XXXX one year..they started harassing us and even called my neighbors stating my house payment was behind!! How embarrassing that was, and I never gave them permission to talk to anyone else about my account!! 

Fast forwarding again, my husband is currently laid off his XXXX  and XXXX  job and we are left without any income. I called ditech to see if we could do some sort of modification or payment deferral. The representative told me he has spoken with his manager and the following week when I came up with {$740.00} to pay on the escrow of the house and property he would deffer the payments we missed to the end of the loan. I call back to make that payment where Im informed that no deferral was ever approved, even though I was told it was. They told me making the payment wouldnt help me any because my account was getting ready to go into foreclosure. They said I either needed to pay all the past due amount or just let it go and lose my house and property. I told them I was going to look into filing bankruptcy because I do not want to lose my home. I call back and the representative asks me what Im doing with my money and says this is my home and I should be concerned about whats going on even though Ive worried myself so sick over all this Ive had to go on anxiety meds. I tell her Im trying to file bankruptcy and my lawyer should be contacting them, she then tells me it may not stop the foreclosure!!!! Why, I asked her and she said because thats the process. I told her she didnt have to be so rude to me, I was just trying to understand the process and shes provided me with the worst customer service Ive ever received in my life!!! Then she says goodbye and hangs up on me. 

This is by far the worst company Ive ever dealt with in my life, and theres so much I can explain further about all theyve done to us! Ive also saw online several class action suits against this company for kinds of fraudulent activities. Someone please do something about them, they rob people!!!
The original Loan ( XXXX ) in XX/XX/XXXX was for disbursement from Salie Mae was {$10000.00} with a 9.25 % interest rate deferred until leaving school. 
The pymts began in XX/XX/XXXX & since the interest rate has increased to 10 % & the amount went from {$130.00} to {$140.00} with a current balance of {$10000.00} as of XX/XX/XXXX The 2nd loan ( XXXX ) was for {$7600.00} in XX/XX/XXXX with a 9.625 % also deferred. 
The current balance is {$7500.00}. The pymts began in XX/XX/XXXX at {$93.00}. The interest rate is now 9.875 % with pymts of {$98.00} The 3rd loan ( XXXX ) was in XX/XX/XXXX from Salie Mae for {$4000.00} with a 7.25 % also deferred. The current balance is {$3200.00}. The pymts began in XX/XX/XXXX were at {$50.00}. The interest is now 8.25 % with pymts at {$51.00}. 

As you can see no matter how I try the interest & pymts go up & the balance hardly decreases. When Salie Mae was contacted I was told that this is what I needed to pay & they would not change anything. Additionally the interest rates would continue to increase so I would owe more. 

This is a co-signed loan. I am XXXX XXXX 's Grandmother so it is becoming increasingly difficult to pay. He is still only at entry level at the job he has from his education & it is difficult for him to pay rent etc & give me money for the loans. 

I do not understand how they can continue to increase % 's as I pay each month. I asked the criteria about that & got nowhere.
XX/XX/2012 I was offered a Special Direct Consolidation Loan opportunity with the US Dept of Ed for which I accepted. I was promised a lower interest rate with this consolidation which I was eager to do since my lowest loan had a rate below 2 %. However, this consolidation excluded these lower interest rate loans thereby not fulfilling the promise this US Dept of Ed consolidation offered stated here : How this benefits you : One servicer and one payment, rather than multiple bills and multiple payment addresses. 

Potential lower combined payment amount that 's based on a lower interest rate and the repayment plan selected. 

Up to 0.50 % interest rate reduction! Earn a 0.25 % reduction on the loans you consolidate and another 0.25 % rate reduction if you enroll in automatic debit. 

Lock in a lower fixed interest rate automatically on any of your loans with a variable interest rate. 

Same loan terms and conditions, including your eligibility for the same deferment and repayment relief options. 

Potential for Public Service Loan Forgiveness Program eligibility if you meet specific program requirements. 


Instead, the lower interest rate loans were kept at XXXX, only the higher rated loans were consolidated thereby making me have over {$30000.00} in interest in just 4 years after this consolidation. This offer has actually increased my interest due and NOT HELPED ME AT ALL. 

This is my complaint. Not sure why it was rejected before or why such little time is afforded to respond. Thank you for your help.
My loan was transfered from XXXX to XXXX  XXXX  XXXX. I mistakenly made my XX/XX/XXXX mortgage payment to XXXX after the transfer date. I sent the payment on XX/XX/XXXX. XXXX said they sent the payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX has not recieved the payment. XXXX sent me a letter stating they recieved the payment and forwarded to XXXX XXXX bit they will not provide me any tracking info. XXXX XXXX has stated it takes 30 days to " hit '' my account. That changed to 45 days and now 60. I filled a missing payment request with XXXX XXXX. I was told it takes 7 to 10 business days to investigate. It now has been 13 days with now results. XXXX is unwilling to help me at this point and XXXX XXXX keeps putting me off. At this point no one can account for the {$1700.00} payment I sent for XXXX. XXXX XXXX wants me to make my payments like normal but I feel the longer it goes the more complicated this gets. I need to get the money applied to my account so I can get straightened out.
I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. XXXX I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the XXXX check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX
I tried to add my husband to my existing CitiBank credit account. We were legally married on X/XX/2017. Twice we called CitiBank to add my husband to my account. Both times they cancelled the request and apologized for the inconvenience. We stopped trying to obtain the 2nd card as they locked my account for future use saying it was fraud because of a different last name. 
This is not due to credit history as we pulled both of our credit numbers and mine is XXXX and my husbands is XXXX. We feel as though they are discriminating against us because we are a XXXX couple. We are simplify trying simply our lives and have one credit card rather than two.
My problem is with Experian Credit Reporting Agency Approximately 3 years ago,, I disputed a number of items on my credit report, especially those that were opened over 7 years ago. They refused to remove it and said it would n't be removed until XX/XX/XXXX ( 15yrs later ). 

I 've been the victim of identity theft and notified them of this also and therefore requested any old information and inaccurate information be removed. 

I 've worked hard to maintain an excellent credit rating and now it 's dropped over 100. This is n't a true reflection of who I am or my beliefs as a person and its ' worth fighting for in my opinion. 

For the record, I had no issues from XXXX XXXX when I made the request. 

My email : XXXX and you have my address please correspond accordingly. I 'd like to correspond by phone but I do n't trust it any more. 

Example : XXXX XXXX opened XX/XX/XXXX, closed and in good standing when closed over 3 years ago ( XX/XX/XXXX ). 

XXXX XXXX XXXX : Opened in XX/XX/XXXXClosed No XXXX XXXX XXXX has ever had a late payment. I made 2 payments in XX/XX/XXXXfor both XX/XX/XXXXand XX/XX/XXXX.  However a late payment is shown in XX/XX/XXXX Asked to be Corrected - No change Remove all Credit System International - Never received a bill. Paid once I saw on the Experian report. 

All Accts below are either over 7 yrs old or not mine ( fraud ) : XXXX Formerly XXXX - Not my acct. 
XXXX XXXX/XXXX XXXX
Hello, I transferred XXXX from my revolut account to my coinbase account via a XXXX transfer on XX/XX/18 at XXXX GMT. The transfer has not been credited to my coinbase account. I have carried out a separate transfer since which has been credited. I contacted coinbase via email who asked for details of the transaction, they initially replied within a few short hours. I have sent 4 emails over the past 48 hours asking for an update without a reply. Revolut confirm the transfer took place.
My complaint is with PNC Bank. I've had a HELOC with them since XX/XX/XXXX and banked with them since XX/XX/XXXX. 

My concern start in XX/XX/XXXX, when they implemented a " new '' system. Since inception of the HELOC, I've had autopay and periodically submitted additional " Additional Principal '' payments, without problem. 

XX/XX/XXXX, a normal payment of {$560.00} was recorded with {$330.00} going to principal and the balance going to principal. And on XX/XX/XXXX I sublated an online additional principal payment of {$5000.00}. A couple of days later and saw my additional principal {$5000.00} was broken up into a {$560.00} payment and {$4400.00} additional principal payment. So, I called PNC Bank and asked the loan servicing department to fix this situation. I was forwarded to a dispute resolution department and they told me the new system had problems and they would fix my loan. 

XX/XX/XXXX, no autopay was deducted and I called to make sure they took the payment. I told them that there was plenty of money in my checking account and they should fix this so I wasn't charged late fees or wreck my credit. They said OK and would have things fixed soon. 

During XX/XX/XXXX, I called several times and even went to my local branch to have this problem fixed, but it wasn't. My local branch was cooperative and understood my concerns. They even called ( on my behalf ) and emailed the Customer Resolution dept. Also, during XX/XX/XXXX I started receiving calls from the PNC Loan Department stating that they wanted to collect on my delinquent loan account. I spoke with a supervisor and he said he make a note about my situation and I wouldn't get any more calls, but I did. On XX/XX/XXXX it looks like PNC credited my loan with the XXXX to " other '', not principal or interest. And what happened to the other {$560.00}? I was told it's still in work. 

XX/XX/XXXX my account was credited with a {$560.00} payment but the principal was only {$130.00} and the rest to interest. I called again and told that payment was being backdated to XX/XX/XXXX. So, I said if that's the case the principal and interest needed to be fixed to accurately reflect. I was told it would be fixed but, to date it hasn't. Additionally, on XX/XX/XXXX the took a payment of {$530.00} with {$290.00} going to principal and the rest going to interest. 
I thought
I may be on my way to becoming whole, but on XX/XX/XXXX {$570.00} was auto paid to " other '' and not Principal or Interest. 

My local branch has been cooperative and they've requested a daily accounting of my loan info from XX/XX/XXXX to present. This is the only way to ensure I'm being credited for payments. 

Additionally, during conversations with the " Resolution '' office/department, I was informed that in the future ; " if I want to make additional principal payments, I have to make them at the local branch and they have to be submitted on the date that they deduct/credit my autopay. '' " This is the new system. ''
Chase blocked one of my credit card about two weeks ago stating fraud review. However after I called in and answered questions they said only a specific department can gain access to the account and clear it. They stated they would contact me within 24-48 hours to clear it up but that never happened. I 've followed up three times no one has EVER given me a call. They have since blocked all of my credit cards with Chase. I pay hundreds of annual fees on these cards and the fact that I am not being able to use the cards as advertised is simply unethical. I do n't know what they need but they are not following up on the issue at all. I am currently in Florida in the middle of a hurricane and I have no way to pay for things. This is absolutely a disaster.