WillisBack/dataset-financial-user-claim huggingface dataset:
There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXc XX/XX/XXXX
I received a letter from Allied International Credit Corp, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX The letter is a debt collection letter with threats on taking the debt to court if not paid immediately. However the letter does not give any details on what the debt is for. It only states its an XXXX purchase debt. I checked with XXXX and I do not owe any money hence this is a fraudulent letter and fraudulent debt claim. 

I 'm filing a complaint in hopes to help others that may receive a notice like this.
My issue is that I continue to get billed for interest charges on an account that has been closed since XXXX 2016. This account was opened for an order that was cancelled. Upon cancelling the order, I 'm not sure why the charge for the XXXX membership remained but once I became aware of it, I paid it including the late fee it assessed for a total of {$21.00}. 

I spoke with your customer service team in XXXX and was told that upon paying the {$21.00}, my bill would be settled but it 's not as the interest charges continue to accrue. When I call XXXX, they tell me I need to deal with Comenity Bank and when I 've called your customer service, they can not understand why the charges have accrued and tell me to call XXXX. 
I 've sent certified letters to Comenity and also contacted XXXX via email but have not received a response and the interest keeps accruing on my account without being able to speak with someone that can resolve it.
Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX XXXX. and multiple inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It way too many inquiries to count. I have not applied in a long time.
XXXX is reporting negative account information on my TU credit report. I am located in NJ, and the terms of my loan with XXXX XXXX far exceeded the maximum interest rate allowed in my state. Furthermore, since they are not licensed in my state, NJ specifically voids these types of payday/installment loans. The loan is illegal and should not be reported to my TU report at all. I have attempted to dispute this with TU already, but the loan came back verified by XXXX and TU will not accept any of my documentation regarding the complaints I made with my state. I even asked the rep at TU on the phone what I could provide as proof that the loan was illegal and she said " nothing ''. If it comes back verified, you have no option. Basically, I was directed to take my complaint to the CFPB. 

THE CFPB has filed suit against XXXX XXXX ( and companies like them such as XXXX XXXX ) that try to take protection under tribal law as the reason why they can operate illegally and harm consumers. XXXX of the last ways they harm consumers ( who have stopped the ACHs and closed bank accounts ) is by reporting negative information to credit reports to try to extort payment. 

I am requesting that the listing be removed and never reported again since it is illegal ).
They continue to call my job phone at least 12 times a day. They call the front desk of my job asking to be transferred to me. I have asked them not call my job.
Bank of America has made it very difficult to set up auto payment of the Bank of America Bill. I have had ongoing contact with them about how to set up auto payment. Other credit companies have an easy process. 

By making it a convoluted process, Bank of America profits from late fees and interest from people who would normally set up auto payment on their bills. Interested to see if BoA late charges are higher than other Credit Card companies. 

In my case, I have spent hours on the phone with BoA to try to set up auto payment on my accounts. 

Normally, this would be a good case for a class action suit, but the law was changed to not allow this in XX/XX/2017. 

Please investigate why BoA has such a bad process.
My wife and I applied for a used car loan through US Bank. We dealt with XXXX XXXX ( The Branch Manager at their XXXX, CA location ) who was nice at first, but proved to be a bad banker in general. 

US Bank approved us for what we needed for the car ( $ XXXX ) and offered us great terms. Despite applying together, XXXX advised my wife and I to remove me from the loan because she carries most of the income and I carry most of the debt. He claimed he could get us more favorable rates with just her. I was confused because our other lenders wanted my name on there and werent concerned about it raising our rates, but we agreed and went ahead anyways : they were offereing us great terms at a great rate. I spoke with XXXX many times before and during our purchase to make sure everything was OK with our loan. He told me a number of times everything was fine and we were greenlit to buy the car. He even issued us a pre-approval letter verifying the $ XXXX my wife had been awarded. Within minutes of purchasing the car I got a phone call from him asking if I 'd been successful. I said yes, and then he dropped the bomb. He claimed that he had just received a call from their underwriter saying they 'd adjusted our loan down to $ XXXX instead of the $ XXXX we had a pre-approval letter for. Despite having a pre-approval letter and over XXXX phone conversations to confirm, somehow everything fell apart in the 10 min after I 'd bought a $ XXXX vehicle and US Bank was no longer able to lend us what we needed for the car. This was very much a bait and switch tactic. I was told there was nothing they could do and I would have to return the vehicle to the dealer if what they offered us was not sufficient. 

Based upon a conversation with a banker at a different bank we discovered that XXXX gave us some horrifyingly bad advice and mislead us as a banker. He misunderstood his own underwriter 's requirements and it was his advice that ultimately caused the underwriting issue. It should be acknowledged as well that the other banked also stated there should be no way for an underwriter to come back and change a loan amount after a pre-approval letter has been awarded. XXXX had suggested we take my name off the loan to remove some debt from the records, but neglected to realize that my wife had never been approved for such a big loan by herself before and as a result ( according to XXXX ) the US Bank underwriters became concerned with the fact that she 'd never had a comparable loan. Had he included me on the loan, that would not have been a problem. 

It should not be the case that after 10+ conversations and a pre-approval letter that our loan could be unilaterally changed on us and it should not be the case that one bankers incompetence should be a burden we have to bear.
Back in XXXX I had some fraud on my stolen card at the time I owed XXXX the part that was mine they told me to pay so I did they told me what was left the XXXX they would put in fraud shut the card and issue a new one. The whole time I thought everything was in control on the new card if I purchased something I would pay everything but the XXXX I get a call several months later with a bill over XXXX because they have been reporting my card late and charged late charges. Talked to a XXXX first she said she would clear everything never did. I talked to a XXXX he took off all late charges but never fixed the XXXX and then said I had to resend for the 5 th time what I dispute I called him back 12 times no one calls back. I am on a automatic call from XXXX XXXX XXXX
In XX/XX/2009, I took out a loan from XXXX XXXX  for XXXX dollars. I immediately began making payments of XXXX dollars every month for nearly 10 years. My interest rate for this loan was a ridiculous 13 percent. 

The loan was sold off to other companies and now it is owned by Navient. After making on time payments for nearly 10 years, and paying approximately XXXX dollars, my balance today sits at XXXX dollars. More than double the original loan amount. 

This is predatory lending. I will not be making any more payments to this company. 

Any attempts I have made to settle the loan have been ignored by Navient. When inquiring about a new payment plan with more affordable monthly payments, they tell me I need to get another job or borrow money from my family. They have no solutions. 

I am a XXXX XXXX  and I am at my max capacity as far as hours go.
I had an incorrect late payment reported on my report without me knowing it for 8 month from XX/XX/2017. I only found out about this when I was denied a home equity loan. After dealing with each credit reporting agency, I did get those late payments deleted, however, my credit score was still massively lower- XXXX down to XXXX during this process. It is entirely unreasonable and inappropriate for 1 late payment over the course of 20 years of credit to drop my credit score by 85 points and take it from excellent to marginal. This is unacceptable. Consumers should have free and available access to their credit reports and scores and be notified of any changes up or down by any agency that is touching a consumers credit. In fact, I do not believe private companies should be able to hold this power. I urge CFPB to look into making credit scores available to consumers and the process by which the scores change public. Consumers should understand what and by how much their credit score will change with any given infraction or action. Please protect consumers and take the guesswork out of credit reporting and scores.
XXXX/XXXX/2015 Complaint XXXX Follow-up : Dear Vice-President, I received your letter informing me your offices were trying to contact me regarding my complaint to the Consumer Protection Services about my Loan Modification. 
I disagree with Wellsfargo because my loan Modification took too long was wrongly completed by extension to 40 years? Monthly payment application are very wrong with interest and Principal!!! 
Loan Modification is NOT refinancing loan & is mandated by Govt to assist home owners in trouble, My payment should reflect 70 % payment towards Principal and 30 % towards Interest or worst case equal amount to Principal & Interest after Escrow deduction as was the case previously but this greedy wicked bank is trying to extort unreasonably. 
How can ONLY {$41.00} be Principal with {$180.00} interest out of {$400.00} - I have paid Wellsfargo Bank over {$130000.00} on a {$72000.00} loan over the past 19 years!! 
I am demanding immediate review & correction as stated of my Loan Modification at worst. Thank you, XXXX XXXX XXXXTel : XXXX
Sometime in the middle of XX/XX/XXXX, I, XXXX XXXX, got a letter from Chase, stating that my card was shut down, since they have information that it was lost. I informed my wife that to use different credit cards, because Chase Freedom Card was deactivated. While using other cards, I was waiting to receive a new Chase card, but never got one, which I didnt pay attention to. I just asked to have a transaction approved by XXXX, which was used prior to closure, but charged only when shipped. 
Over a month later, I saw a balance on the card that I have not used in a while and was deactivated, as per Chase Bank. I contacted fraud department and had charges removed. Another month later I received a call from Chase fraud department and told since I have used those merchants in the past they verified my signature and putting back the charges on my card. 
I am pretty sure that I do NOT have split XXXX XXXX and never signed for those charges. I asked a simple request ; please send me the images of the signatures on those receipts. A month later, 7 to 10 phone calls to fraud department, 12-15 phone calls to corporate office, I was told that I have never requested those images. Chase has recording of my conversations, as do I, requesting the images, but they refuse to provide them and stole {$2200.00} from me. 
I would take them to small claim court, but I dont have free time between my job and my family, and I dont want to gift them over $ XXXX Please see the list of transactions below. 

Thank youXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
My complaint is against Specialized Loan Servicing ( SLS ). We were switched over to SLS a few months ago and it has already been a nightmare. We never received any statements from SLS until we were mailed foreclosure papers. My husband called up SLS and at first they were not even sure they had us in their system. What?! He was finally able to figure out the amount owed and we mailed it out thinking it was just a fluke. We, again, have not received any statements so, again, my husband had to call to see what was going on. We were told SLS does not send out statements unless we send them a request in writing. We are pretty sure that we are being overcharged as well but we have no itemized statements for reference. We are not sure what game SLS is playing but we feel this company seems to be setting clients up for foreclosure. SLS is the most unprofessional financial company we have ever dealt with in the 16 years that we have been home owners.
I live in XXXX and I had a credit card with Chase, which I cancelled this summer ( I believe in XXXX or XXXX ) and paid off in full, as far as I knew. I remember that I called Chase and spoke to people on the phone to close a checkings, savings, and this credit card account, at which point I know I paid everything off, because that was the entire point of closing them -- my wife and I were consolidating our banking with XXXX. 

I recently got a notice that my credit score had dropped and then learned that Chase has been charging me late fees and interest on the card for months, so that I know have an outstanding balance of {$270.00}. In looking at my statement, it appears as though Chase, in XXXX, charged interest of {$130.00} on the previous balance AFTER I had paid the card off in XXXX, and then just kept charging late fees and more interest on top of that for months after the account was closed, without my knowing. I have received nothing from them formally notifying me of this outstanding balance, nor did the person I spoke to on the phone when I closed the account mention anything other than that it was paid off and closed in full. I 've only received generic 'Your statement is ready ' emails that make no mention of it, and which I viewed as spam since I had already closed the account. I paid off the balance just now so that the problem will go away ( hopefully ), but I also want to make sure it gets reported.
Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX
EXPERIAN IS UPDATING EVERY MONTH AN ACCOUNT which status says closed. Who is updating it? Clearly not the Original alleged Creditor, because the status It says assigned to an atty that I'm not aware of? Here are the details XXXX Date Opened : XX/XX/XXXX - THIS IS XX/XX/XXXX -- SHOULD NOT THIS BE DELETED? 

Account Status : CLOSED - So why is it being UPDATED? 
Seriously past due date / assigned to attorney, collection agency, or credit grantors internal collection dept. WITH WHO? 

Comments : This is what I mean, even though they don't have adequate information to REPORT an account, they go out of their way to ANY TYPE OF NEGATIVE information EVEN IF IT CAN NOT be VALIDATED. EXPERIAN IS VERY DISCRIMINATORY Status Updated : XX/XX/XXXX. WHY ARE YOU UPDATING AN ACCOUNT that you claim is with a collection agency? 
Balance {$1500.00}. 
Terms : 1 Month. 
Comments : Credit Line Closed WHERE IS THE Date of First Delinquency for this account? 
WHERE are they getting this information from?
XXXX XXXX IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS
I have a store credit card through Walmart. I have had financial struggles for some time now and they have never offered me any options. I have been struggling with this card for about 7 years. On my online account it asked me to check why I was not making my payment. I marked something along the lines of loss in job/change in income. I have marked this before and they have never offered me any options. I finally called again on XXXX in which they finally offered me their hardship program. They took my payment down to XXXX a month and took away interest, etc. I was dumbfounded that it was that easy and that they had never offered me that program before.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
XX/XX/XXXX I deposited a check last night from my husbands bank to my bank, this bank is holding my check until XX/XX/XXXX, thats 12 days away and they are refusing to release my funds.I put in a check for $ XXXX.Three weeks ago I put the same check in for {$1000.00} and they had no problem realeasing the money then.Its illegal for them to hold money especially when we just got hit with a major storm and we lost all our food.They dont wan na heat anything they just keep telling me they refuse to release it.I will be closing this account ASAP after my money is cleared.This check already released the money from the other account into my account thats why we are so upset.They do this all the time! Horrible customer service.
This is my third attempt of trying to get my inquiries removed from my credit report. I have previously submitted a request through XXXX, and Transunion acknowledged that I was affected by the system glitch. I requested that all inquires be removed. When I called in after about 30 days, because the inquiries were not removed, the representative told me she could see where the inquires needed to be deleted, but asked me to call back and tell her which ones. I am requesting that my report be updated with the inquires removed. I currently have a fraud alert placed on all XXXX credit bureaus. I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to XXXX XXXX.
I have formally requested my free annual credit report from Experian twice. They have sent the same response, that " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity '' -- HOWEVER, I have sent everything they require, including : my full name, Soc Sec number and copy of my Soc Sec card, complete addresses for 2 years, date of birth and copy of my birth certificate, a copy of my driver 's license with my CURRENT address, and a copy of my most recent bank statement. EVERYTHING was legible. I have included additional copies of my Veteran 's Administration ID, voter 's registration, fingerprint clearance card, AND mail addressed to me from government entities with my current address on them. I ca n't reach them by phone or via the internet regarding this issue because they have no prompts or links to assist me with this particular matter. Another credit bureau, XXXX, has already sent a report to me with the same information. Please help me. XXXX XXXX XXXX
I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. 
and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. 
MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.