WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a first and second letter to Experian to dispute several unauthorized inquires on my credit report. The first letter was sent on XX/XX/2018, and the second letter on XX/XX/2018. Each response took 5-10 days ; however, they report that the inquiries were verified. I asked them to provide me a written authorization and any permissible purpose with the second letter, but they failed to follow the Fair Credit Reporting Act. I already contacted the creditors, and they were unable to provide me with any verifiable information. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a  consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX   told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Capital One is reporting a debt on my credit file I do not owe. My vehicle was damaged in a natural disaster, so the insurance, XXXX should have taken care of the debt as part of the disaster, and should be covered under that. I spoke with Capital One and they advised me not to make any more payments due to it being covered. They are reporting this debt as a repo and it shouldn't. This is in clear violation and needs to be fixed.
We have a short sale essentially completed for this property. Note has not been paid for 7+ years. Judicial foreclosure proceeding is well advanced. Borrower has no assets and is essentially judgment proof and strongly considering bankruptcy and has retained a bk attorney. The first lien has approved {$12000.00} for Real Time Resolutions as the second lien holder under the HAFA program, per program guidelines. We are not getting anywhere with the RTR contact person, and need a deficiency waiver and approval letter for the {$12000.00}. They are refusing to budge off of {$40000.00}. We do n't need all of this to be so difficult. We feel it is a breach of their commercial duty of good faith and fair dealing to demand more money than what the industry has routinely accepted for XXXX liens. Please help.
I submitted an application to purchase/finance a lawnmower. The company outsources their financing to Synchrony Financial. The address on my drivers license was used for the application. At the time, I advised them I just sold my home ( closing was within the next XXXX weeks XXXX and needed to have the mailing address updated. The following week, I received a phone call from Synchrony Financial requesting I give them my updated mailing address. I gave them the new address and was advised of a future payment date. Today XXXX/XXXX/15 - my payment is due. However, I have not received any documentation regarding the loan and account number. Upon calling the bank, customer service tells me that it was sent to the old address and returned. I advised I would only issue payment if I had supporting documentation for the payment. The company mailed paperwork to an address they knew to be incorrect. The company refused to provide me with an account number although I verified my identity through my date of birth, social security number, old and new addresses, and amount of the loan. They stated they are unable to update an email address over the phone for security reasons. This makes no sense as they are able to update a mailing address over the phone. My customer service rep, XXXX - showed no empathy or concern. After telling me a payment was due today - he snarkly responded to my request for a bill in order to make the payment due with the words, " I 'll mail it and you can get it XXXX business days. '' This type of service is rude and unacceptable. It almost appeared to be a personal attack and deliberate attempt to elicit a late payment fee because they have not provided me with a copy of the payment due/invoice. Nor have they used common and acceptable methods of communication in order to ensure the customer has the information necessary to make prompt payments.
I have written Experian numerous times asking for this to be addressed to no avail. 
XXXX XXXX # XXXX is not a collection/chargeoff. The car was repossessed and I paid to get it back. 
I need this information corrected to show the XXXX balance and date paid/closed.
TRansunion has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Transunion allow a company to post something to my credit report without verification? Transunion has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.
1 ) GreenSky contacted me on my cell phone on XX/XX/18 to inform me that they " needed more information for more loan application. '' 2 ) Since I had never heard of GreenSky, I assumed that the call was part of a scam and told the caller that I had never heard of GreenSky and had not applied to any entity for credit.

3 ) The caller then told me that they had an online loan application with my personal information and that if I had not submitted the application I might be a victim of identity theft.

4 ) Subsequently I've had several calls from GreenSky. I have provided them with a completed affidavit which states that I did not apply for a loan and with a police report.

5 ) On XX/XX/18 I received a bill from GreenSky for a payment of {$550.00} on a balance of {$54000.00}. I called GreenSky immediately and was told that my account had been closed and that this bill could be ignored it was sent in error.

6 ) On XX/XX/18 I recent a letter from GreenSky informing me that the account was closed and that an investigation into the matter had been opened.

7 ) I set up identify theft protection with an XXXX company ( XXXX XXXX ) and notified the credit agencies.

8 ) I continue to receive calls from GreenSky and apparently GreenSky made an XXXX inquiry using my information on XX/XX/2018.
Called Equifax and sent in driver 's license and social security card 2 time s. Information is   still not updated. I can not even view my report. The address for them to send the report is inaccurate on their file.
I have a XXXX XXXX XXXX credit account that was subsequently opened with TD bank, opened to purchase furniture. This card/account offered good terms and 0 % APR for approx 12 months. Unfortunately, after receiving the card, I found out that TD Bank does not offer a way to setup recurring payments, requiring you to log in or mail in your payment to ensure you are able to pay off your account before your promotional terms expire. On top of this, you can not see the promotional terms of your account, the only to get this information is to call into an XXXX # and speak with an agent in a call center which is open only during business hours XXXX. The recurring payment option was able to be overcome by setting up bill-pay payments with my financial institution and I thought everything would be fine. However, after making an additional purchase with XXXX XXXX XXXX the issues compounded and working with TD Bank became even more problematic. When making your payments to TD Bank the only way to dictate how your payments should be allocated is to call into the same XXXX # and speak to an agent in the call center. If you do not do this your payment is applied however the bank wishes, making it impossible to calculate how to pay off your balances within your promotion time period, unless you call in and speak with someone every time you make a payment until the end of your term. It is 2018, and this type of payment allocation and self-service functionality is a disgrace. The only reason I can think for this to be setup this way is to make it as difficult as possible for consumers to pay back their accounts within the promotion period and charge back interest for as many payment plans as possible. I would allege this is a UDAAP violation that could really harm consumers who are not financially savvy.
Equifax did not secure my private information, and hackers now have access to ALL of it ( name, social security number, birth date, addresses, driver 's license number, and credit card numbers ).
National Principal group company on my cell phone first there automated messages stating to contact them or my legal advisor. The second I spoke with a gentleman name XXXX stating I owe a pay day loan from 2010 and he had my name the last XXXX digits of my social security and the name of my bank and the wrong last digits of my account. He stated I owed {$700.00} and XXXX XXXX dollars is late fees. Also, stated I can just pay {$300.00} and I told him to send me the information e-mail. I received the e-mail and the only way I could open the attachment if I entered the last XXXX digits of my social security number. I never applied for a payday loan from the company he stated XXXX XXXX. The call is fraudulent using my information.
Chase Auto Loan Account Number XXXX had a listed balance of {$930.00} as of XX/XX/XXXX on a loan that matured onXX/XX/XXXX which should have been the last payment. The payoff quotes stated projected payoffs of {$1200.00} if payoff was done on XX/XX/XXXX,  and a separate payoff of {$1200.00} if paid off on XX/XX/XXXX <P/>The loan was created at the dealership with a {$320.00} monthly payment but a calculated amortization shows payment of {$320.00} a month. A request was done to Chase Auto Finance on 6 different occasions to get a copy of an official Amortization Schedule to confirm the calculations of the payment and interest allocation over the life of the loan. Each copy received had {$0.00} in each row and column for Principal, Interest and Balance.
<P/>
I have contacted Chase to settle to correct balance contingent on a Amortization Schedule. They have since sent the account balance to a collection agency who attempted to settle the balance but unwilling to correct the 3 lates on my credit report. <P/>I believe it is Chase 's responsibility to validate the debt they say I owe. I made all 60 payments on my loan and should not have an outstanding balance of over {$900.00}. Payment history will show that even on later payments I paid more than the minimum as well as payments that were on time.
I am a victim of identity theft. The following fraudulent and unauthorized credit card dont belong to me because this account was lost/stolen and all of the charges/transactions are fraudulent and unauthorized, and dont belong to me : XXXX XXXX XXXX XXXX XXXX.
The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks
I am disputing this debt for XXXX XXXX that is currently in collections. I have no knowledge of this account and I have not received any information regarding this account from XXXX or the assigned collection agency.
Below is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from XXXX XXXX XXXX XXXX, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX Extension XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up ) '' The collector also called me at my office. He then disclosed he was calling about " Loan Me. '' He stated the balance that he said that I owe telling me it was charged off XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.
Tried contacting company to set up a payment arrangement and receive a settlement offer but the company said they couldnt ' find me in the system but yet they are still reporting on my credit reports.
Several years ago we opened a savings account at Wells Fargo because we already had a business checking account there. We were surprised to learn that we would also have to open a checking account and credit cards. We did n't want this, but our savings account was contingent on agreeing to these services. Was it legal for the bank to make this mandatory if we wanted a savings account? The maintenance fees, etc. just ate away at our resources.
XX/XX/18 Experian has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX XXXX was never later, but Experian is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but Experian reports me owing them.

4 ) XXXX XXXX XXXX sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. Experian consistently & fraudulently puts them on and off of my report as a charge off.
On XX/XX/2017, I was injured in the job. I didn't go out of work until XXXX. I haven't been receiving an income, however still tried to make the payments with savings. However, at the moment I have no income an will need a month off or real cheap payments. I tried to do that with cashnetusa but was told I couldn't and threats about my credit. Can you please step in to help resolve.
No Experian free credit report. No number to talk to anyone there. Please help with this. Experian pretends like I 've already checked it, but this is false.
In XX/XX/2017 i sent a dispute by certified mail for this said debt with HP Sears ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX  and XXXX but remain on XXXX. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX. I am asking that the Bureau XXXX remove this debt immediately as promised and report accurate information
My mother got a call twice on XX/XX/XXXX and then today on XXXX XXXX from a XXXX XXXX at XXXX about a debt that I owe to a online payday loan that was generated back in XX/XX/XXXX and again in XX/XX/XXXX my mother called me about such call and stated that this man keeps calling her house about a debt I owe and he is threating to take court papers out on me if I do not contact him. I called him from my home phone and his number did not allow blocked callers so I called him from my cell number. he indicated that I owe a debt to a online payday loan that I took out in XX/XX/XXXX and XX/XX/XXXX that came to my XXXX account and I requested the true and accurate documents and he stated that I need to go online and research the work " false instrument '' and then for me to go to XXXX and then when I define the word and for me to call him Monday because he is not going to sit on the phone and argue with me about the debt and he hung up the phone.
Obtained Credit Card from Lowes to purchase Washer & Dryer. Credit Card turned out being a Synchrony Bank Card. Original Balance at time of purchase was {$1500.00}. Since XXXX 2014 I 've paid {$1100.00}. Synchrony Bank is still showing a balance of {$1400.00}. I have paid more than the minimum payment each month. They count payments as late even though I have paid ahead each month and have paid more than the minumum, and hit me with an additional late fee each month. In adddition they have reported my account as late to the credit bureaus. I 'm sure that I 'm not the only XXXX they are doing this to and a cnother class action law suit needs to be filed, but I 'm not sure how to do this or find out if there is XXXX I can join. I have tried calling Synchrony but they just continue to hang up on me and insist tat they can do what ever their policy says they can do apparently regardless of whether or not it is legal, ethical, or immoral.
I am curious why my payment, again, is due back to back with you guys. I would like someone to make contact with me. I have never had this issue with anyone before.
Progressive Management Systems has violated the FDCPA and the Fair Credit Reporting Act. They reported several accounts on my credit report that has not been validated. I contacted both the company and XXXX to demand validation of the debts they are trying to collect and are reporting on my credit reoprt. I also disputed the debts with XXXX. XXXX deleted 3 of the collection accounts in XXXX 2017 because they were unable to validate and today I noticed that the collection accounts have been added back to my credit report with no notice received that they would be added back and the other 2 still remain on my report. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt. I have received no proof ( signed documentation ) of any type that this debt belonged to me as I demanded. There was no date of verification nor any documentation of the authorized HIPAA business relationship between Progressive Management Systems and the original creditor. Being that I have never been without medical insurance it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and Fair Credit Reporting Act.
Another payday loan scam threatening legal action. A company called  2  or 3 months ago stating I owed a supposed debt from 4 years ago. I knew I did not, scoured bank records to prove it, and proved the debt never existed. The company that called today said it was a debt from the same day, but a company with a completely different name. I stated my stance, that its already been researched and proven nonexistent. I asked for company information to pursue formal complaints, "  XXXX   XXXX  '' refused to give me any information, threatened me and hung up. I filed multiple complaints with the  XXXX  and state attorney generals and this company called again. I warned them that I had already filed complaints against this false debt and to remove my number from their system.
I started paying on my student loan in XX/XX/XXXX. I had one loan in the amount of XXXX which I paid on while I worked. I took three deferments year long deferments and I took a couple of deferrments 6 months or less. I returned to school and took out a second student loan for my XXXX XXXX which was about 17,000 for one year.I took this loan out in XX/XX/XXXX with XXXX XXXX XXXX XXXX. I have paid on these loans over the years and they keep going up instead of down. I owe more than I did 20 years ago. I pulled a payment history which indicated that nothing in 20 years had been applied to my loan. I am a XXXX XXXX XXXX  and I should have qualified for XXXX forgiveness over the years, but they kept changing the guidelines and I never qualified for anything. I have XXXX for 24 years in XXXX XXXX, which 8 of those years were title one schools. I feel that I am entitled to loan forgiveness and I would like to see my orginal loan document because I started with XXXX with a 3 % loan. They turned me over to a loan servicer who immediately jacked up the loan to 6 % without cause. I got behind so I went online and made the payment yesterday to bring the account up to date, and I received an email today saying that I still owed these payments. I checked their data base and looked up payments and it said the payment was pending. Maybe. I am XXXX years old and I can't keep making student loan payments uinless I keep working.
On XX/XX/XXXX, I sent a letter to XXXX XXXX  and Trans Union. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.
My ex-husband ( XXXX ) and I took out a mortgage on our home in 1989 with XXXX. The mortgage still remains on the property. I have been trying to track down who the mortgagee is now. I have been unable to locate it. The Registry of Deeds still lists The XXXX as the mortgagee and there are no subsequent assignments. However, XXXX is no longer in existence. It is my understanding that XXXX was succeeded by the XXXX XXXX XXXX then XXXX XXXX and eventually Bank of America. I have reached out to Bank of America and they claim to have no record of the mortgagee. I would like to find the current holder of this mortgage.