WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my credit report today to find out that XXXX XXXX had pulled a hard inquiry on me in XXXX XXXX 2016. I have never applied for a discover card. I just spoke to them on the phone with their risk dept. I gave them the date of the inquiry and my personal information. They tell me that they have no record of e or an application from me. I am a small business owner. these hard inquiries have a lasting negative effect on my credit score. I want this inquiry removed.
I noticed that an account XXXXXXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX/XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
11 years ago I used to have a property in New york, the crisis started, I divorced and included an FHA mortgage with XXXX in XXXX XXXX # XXXX for years they offered to refinance and keep the home, my ex wife never won't.. 3 months ago suddenly a debt collector call SHELLPOINT report a mortgage in credit report, for  {$560000.00}, originated in XXXX paying XXXX and late more than 120 days for XXXX consecutive years, mi XXXX score was XXXX before they include this lies, I never apply for mortgages after my bankruptcy. Now mi score XXXX, all my creditors start increasing and closing accounts, I called them and ask to send my bankruptcy papers, I send it in XXXX, but they 're arruining my financial life, reporting late payments. I am loan officer and can I can loose my license. I called again and they still are investigating, I dispute with the credit bureau, no answer yet, and my credit keep going down, please help me. I never request and signed nothing. nothing. all that information is NOT TRUTH.
There is an automobile account that was opened due to identity theft. The account is being reported by XXXX only and no other credit bureau is reporting this account. The account is with Mercedes Benz ( XXXX ) for the amount of {$6000.00}. I filed a police report for this item and I am not responsible for it.
After calling, setting up a payment plan, and paying the balance off over the length of XXXX years this company called and requested additional fund be paid immediately or legal action would be taken. The owner of this account it XXXX and has XXXX.
XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any. Thank you with sincerest respect.
Back on XXXX XXXX I made a payment plan with CashNetUSA and was told that as long as I made a payment of {$38.00} for the next year that I would be good. Well that was nor not the case on top of the {$38.00} payment that I made they said they were to take out another {$100.00} on the XXXX.I never agreed to this. After calling them I am told and I also have an e-mail saying they do n't have to disclose any terms and conditions of the Loan. I want this loan written off cause I was never made aware of the terms and conditions of the payment plan. I was told that I would make a {$38.00} payment for the next year to get the loan paid off I never agreed to have them take out an additional {$100.00} a month on top of that payment
I attended XXXX XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about XXXX in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX XXXX. Apparently XXXX XXXX sold or partnered up with XXXX XXXX XXXX in order to continue stealing students money right before the lawsuit or during the case.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
- XXXX Obtained XXXX XXXX loan in XXXX for XXXX school in XXXX- Service transferred to Navient in XX/XX/XXXX and defaulted upon receipt- Approximately {$4800.00} has been paid toward this debt- No correspondence received from Navient- I called Navient on XX/XX/XXXX to inquire about resolution of this account. I was connected to " XXXX '' employee ID XXXX. XXXX Efforts to resolve have been answered with, " we will not do business with you. '' " There is nothing to resolve. " - These responses were given without any offer for resolution. I merely said I was trying to resolve the matter- my requests to be connected to a supervisor were refused- XXXX gave me a number to call, upon inquiry of who the number was for i.e in the company or not, XXXX told me he could not provide that information- Navient is reporting additional amounts on credit report despite their representations that there is " nothing to resolve. " - Have received calls from unidentifiable/unsearchable numbers without voicemails. Nothing received in writing for collections. *Given the frequent nature of these calls and this being the only account with my current number I am assuming these calls are related to this debt
I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them
Bank of America charged a {$35.00} overdraft fee for insufficient funds to pay themselves their own $ XXXX monthly maintenance fee. In other words, I did not have {$12.00} in my bank account, so they charged me {$35.00} when they billed the $ XXXX monthly maintenance fee, bringing my account to $ XXXX overdrawn. I called and complained but think that this is a scandalous policy that needs to be both revisited and revised.
Twice since the start of my loan repayment I have had economic hardship. When calling Sallie Mae ( now Navient ), the only options that was given to me was forbearance or deferment. These options caused my overall loan to increase thousands of dollars by the end of the payment term. It has now been over 6-7 years on repayment and somehow many of my account balances are higher than the principle I started out with. Income based repayment was never offered as an option for me and would have been the best option for the financial situation I was in at that time. I feel that Sallie Mae never offered these because they just wanted to make more money off the borrower in the long run. The impact of forbearance or deferments were also never mentioned and proved to be a huge addition to my original loan amount for a couple months of hardship. 

Before my hardships, there were many times where I paid well more than the minimum payment amount. These payments were not allocated in a way that made my payments go down faster and somehow never made a difference after I had to file for forbearance.
My identity was stolen on XXXX XXXX. I placed fraud alerts with my credit bureau, Transunion, as soon as I was notified on XXXX XXXX. Since XXXX XXXX, my credit has received XXXX additional " hard hits '' on my credit score to bring the total to XXXX. Attempts to resolve this directly with Transunion has been unsuccessful as they repeatedly tell me they ca n't remove these " hard hits '' without proof from the company who requested the credit pull. Each company I spoke to has told me Transunion is the only company who can remove " hard hits ''. I have been brushed off multiple times and passed on to different departments with no resolution. The security freeze option was never suggested even as I asked them what else I can do to stop these multiple credit pulls. Transunion has been completely useless. I feel like I am being victimized all over again.
In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe october because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself. 
Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Hello : My wife returned from XXXX last XXXX XXXX 2015 by XXXX XXXX from XXXX XXXX XXXX ( XXXX ) to XXXX NC ( XXXX ), she had to pay baggage fee for only XXXX suitcase, she paid R {$260.00} ( which are shown in the Discover monthly statement as {$85.00} ) equivalentto {$81.00} USD ; some days later I received the credit card monthly statement from Discover with XXXX charges : XXXX XXXX $ XXXX MISC SALE/ TAX/ XXXX BAGXXXX XXXX XXXX XXXX $ XXXXXXXXXXXX XXXXBy the charge description in the monthly statement I assumed R {$260.00} corresponds to {$85.00} USD then I decided to call Discover Credit Card Customer Service Department so as to explain the situation, only XXXX charge should be valid. 
They initiated the dispute for {$81.00} because I have a receipt from XXXX XXXX Baggage Fee with the amount of R {$260.00} which would correspond to {$85.00} USD ( According with the credit card monthly statement ) ; Discover opened a case # XXXX. 
I received an email from Discover ( exactly XXXX month later ) with the resolution in favor of XXXX XXXX. 
There were some documents attached from XXXX XXXX where they show {$81.00} USD corresponding to the R {$260.00} ; then I contacted XXXX XXXX and asked about the transactions from my wife credit card the day she traveled, XXXX XXXX only XXXX transaction for the baggage fee corresponding to {$81.00} USD ; they did not recognize any charge made by {$85.00}. 
Then it seems the description in the Discover monthly statement was wrong too. 
Well, now everything indicates that {$85.00} is the amount that should be in dispute instead and for that reason I requested to open another dispute case ( # XXXX ), but this time for the {$85.00}. Exactly XXXX month later ( yesterday ) I received an email from Discover attaching only the copy of the receipt from XXXX XXXX showing the R {$260.00} as an answer from the dispute case, but it does not say how many dollars would that amount represent. 

So this document does not show that {$85.00} corresponds to R {$260.00}. 
The XXXX dispute case showed {$81.00} which corresponds to R {$260.00} ( and it is correct ). 
Now Discover is convinced that this receipt from XXXX XXXX represents a valid argument to charge me with {$85.00}. 
I am a customer who pays the monthly statement complete every month, I am contacting you because I feel Discover is not taking my case ( as a customer ) in the correct way.
I applied for Care Credit in XX/XX/XXXX to use for a medical procedure. I was approved and given the payment amount and timespan by my medical provider. I was billed for my first month of payments due in XX/XX/XXXX through Synchrony Bank. I linked my bank account to the credit account for my payment to be automatically taken out and I was told it was a valid account to use to make my payment. A payment was taken out of my bank account on XX/XX/XXXX, but according to the history on my Care Credit account, it was immediately returned. I did not receive any email notification but instead a letter that was received 11 days later on XX/XX/XXXX. I called Care Credit to fix the issue and asked for the late payment be returned since I did have sufficient funds in my account and Synchrony was the one who decided to return my payment. They reversed the late fee and I added my account once again to automatically pay my payment. Once again on my next scheduled day of payment, XX/XX/XXXX, the payment was taken, rejected, and returned. I called a second time on XX/XX/XXXX to make this payment. I was told the payment was accepted with me giving my bank account information to the customer service representative. According to my history on my Care Credit/Synchrony Bank account, it was rejected immediately and returned. I once again got another late fee on my account that was not due to my lack of ability to pay on time but Care Credit rejecting my payment. On XX/XX/XXXX, I called Synchrony 's customer service line again and asked to speak to a manager hoping to get this issue resolved once and for all. He was very unhelpful in stating that he couldn't help with billing issues and saying my bank account was rejected because of insufficient funds. This is untrue as I do have sufficient funds to pay my payments several times over.
I suffered a {$2000.00} a month loss of social security disabilty income in 2012. I could not pay my first and second mortgage so I applied for a modification. It took XXXX years to finally get a modification. I included my second mortgage ( line of credit with Indy Mac Bank ) on all of the paperwork I submitted. When I finally recieved the modification, I thought it included IndyMac '' s loan. Many months later, I was contacted by a collection agency which says my second mortgage was in charge off status and now I had to pay the collection agency, not IndyMac Bank. 
I called IndyMac Bank to explain what happened seeking to get my loan reinstated so I could resume my payments but they refused to talk to me. 
The collection agency says I must pay them. I can not reinstate my loan and I can not repair my credit until the entire amount is paid in full. Additionally, I am still in jeopardy of the second mortgage pushing me into foreclosure at any given time unless I file bankruptcy which will also destroy my credit even further. 
.
I received XXXX 's response that Bank Of America did not remove it. They have it listed as though the two mortgages were in my name and my brother 's. This is false! Now they are adding me on a mortgage that I never signed for. I was not even in the country when this took place, nor did my brother have POA. The two mortgages are under XXXX XXXX XXXX. I have nothing to do with them.
I had an account with XXXX XXXX that I paid in full. XXXX XXXX/XXXX is reporting that I had collections on this account. I paid a total of {$5400.00} to this company and they are reporting that my account was written off. I paid this account in full! There were no collections on this account. They need to report accurate information on this account or remove it from my credit report. I would appreciate it they would update this account with positive information. The date opened and the date first reported is incorrect. Also this account was not written off and I was never late on this account.
Huntington Bank 's decision to stop using deposit slips is not customer friendly. I have just made a deposit of several hundred dollars and it took three times as much time to complete the transaction as it normally would. I think that the customer should still have the choice to use a deposit slip or not. 
I am a very annoyed customer.
XXXX XXXX has sent my wife and me multiple debt letters. See attached.

The letters are defective in the following ways : 1. No patient name. In our family are : my wife, son, daughter and myself. The letters do not indicate who supposedly received the medical services in question.

2. No date of services. The letters do not have the date ( s ) that the services were supposedly provided.

3. No description of the services. There is no statement of what kind of medical services were provided.

4. No name of doctor ( s ). The letters do not indicate the name ( s ) of the physician ( s ) providing the services.

There is no way from the XXXX bills we can ascertain the reasonableness of the demands for payments.
In XX/XX/2018, the XXXX XXXX XXXX  sent me unsolicited merchandise which I did not order in the form of some type of coin ( I had never even visited their website until recently to figure out if they were a scam ) and sent me a bill demanding payment of XXXX for this coin I did not order. I looked up my rights and found that Im at no obligation to return unsolicited merchandise and so I ignored their mails. I recently received a notice from North Shore Agency that this has been turned over to collections. I have a very good credit score and need to get this resolved. I did not order this merchandise do not want this merchandise and know that I rightfully do not owe them anything for sending me a coin that I never ordered. That said, Im happy to return their coin to them at their expense only. I found that another person has also reported the same issue on the Consumer Affairs website in XX/XX/2019 so I do not know how many people potentially find themselves in this position but wanted to make you aware of their unethical practice and need to know how to proceed? Thank you for your time and support in this matter, Best Regards,
I ca n't pull a free report from Experian without signing up for a XXXX Credit Report * FICO score AND it requires me to check a box to receive offers : Yes, send me important credit information and special offers from XXXX and other Experian companies.If I do not check this box, it will not process my request. I called the Experian customer service, and they suggested I go to XXXX. However, the same check box appears, and if I do n't check that box, *Yes, send me important credit information and special offers from XXXX and other Experian companies, I ca n't download the report. I do n't want to receive special offers and do n't want my email address sold.After calling Experian customer service, I was instructed to call back in a few hours, to XXXX, to request a hard copy to be mailed to me. This is very inconvenient process. Even if I did sign up for the XXXX dollar credit report, I would have to call back within 7 days, cancel my membership, but would continue to get emails from XXXX and other Experian companies.
Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months.
After sending information to verify myself ( see attachment ) with my disputes, as of XX/XX/XXXX & XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX A XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine
At the XXXX office I signed up to pay the remaining balance - zero interest with Care Credit - now Synchony Bank. Since I am a busy working mother and Synchrony bank continued to ask me to move to to this method - I signed up for electronic payments. They automatically calculate your payment and it is drafted from your checking account. This process is easy and I have no complaints on that process. 
My complaint is this, in the email that comes each month is a link to a statement but in the body of the email is the amount. So I do n't have the need to look at the statement - I just go in and pay the amount. However, what I did n't know was this company does n't want you to remember when your promotional period is up. This is how they make their money. So, when my promotional period was up, I figured this would be communicated either in the email that I was sent each month or in the new payment amount. Wrong! They do neither. They say nothing about your promotional period expiring and they do not adjust your payment to pay the balance off. 
So, because I trusted this company to do the right thing, I missed the ending period. Now I have 2 years of 26.9 % interest. I owe more now than what I initally financed 2 years ago. {$1500.00} in interest without XXXX notification! I find this truly deceptive!! I called customer service and told them, but they do n't care. I have filed a XXXX complaint as well.
This is dated from XX/XX/2016 and XX/XX/2016 I had two 30 day late payments, taken out from a account that was under a debit card breach, and I informed them of that.
I have a listing as XXXX XXXX XXXX on my Equifax Credit Report.