WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX of this year I observed XXXX XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX ) would have to request to remove the inquiry. I contacted XXXX XXXX and on XX/XX/XXXXI received a letter ( attached ) requesting that Equifax remove the inquiry. I also  forwarded the letter in XX/XX/XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.
On XX/XX/2018 I received a letter from a debt collector called TRANSWORLD SYSTEMS INC.stating that i owed XXXX when I called a representative to find out what the bill was in regards to she stated that it was for apparently running 3 tolls that cost XXXX each. When asked why the bill was XXXX she stated it was for violation fees.I stated to the representative that this is the first letter that I have ever received otherwise the tolls would have been paid in full.
On XX/XX/2016 all of my inquiries were removed and were put back on my report XX/XX/2016 TransUnion is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since TransUnion failed to notify me, they have broken the law. Transunion has violated my rights under the FCRA Section 611 laws! I spoke to many reps who confirmed there was a glitch but they would not update my credit report or transfer me to special handling and were instead very belligerent. 
I have proof of the removal and reinsertion from XXXX XXXX and credit card reports. 
I can see very clearly that they were deleted and reinserted which dropped my score dramatically.
I have been receiving credit statements from an entity associated with XXXX XXXX for months and have spoken to many reps from both parties in regards to the past debt which was taken care of back in XX/XX/2017. XXXX shows the debt being settled while this credit company continues to pursue the old account. I have been in contact with a XXXX XXXX and a few others at XXXX who all have pulled my accounts and have stated the debt was settled by my mother in XX/XX/2017. I was involved in a bad XXXX XXXX accident and was in the hospital for 2 weeks and upon being discharged and sent home my services were suspended and she made the call to settle what was owed and also to have new service activated. XXXX has stated my services wouldnt be active right now today if I owed with them or had a current account outstanding. I have records I will provide to show the amounts paid off on two separate charges to my mothers XXXX XXXX card account. As well as documentation from the credit collector harassing me. This has dropped my credit score while Im in the process of bringing it up to purchase a home. I need this resolved once and for all as soon as possible. Ive been told from XXXX XXXX that they can not get it together and have outsourced many departments including billing to companies who do not stick around long but continue to pursue accounts on their behalf no longer in contract with them. Please help as XXXX has claimed it is settled but this Credit Protection Assoc is continuing to harass me.
I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TRANSUNION XXXX-Inquiry : XX/XX/XXXX XXXX   XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXInquiry :  XXXX XXXX, XXXX XXXX XXXX  DBA XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX
They financial company keep harassment me. They keep sending me texts. The financial company is on all my credit report as a bankruptcy. I was paying them for 23 months on time and they report. On my credit report. Now I have stop paying.Now they want to put it on my credit.
The XXXX XXXX XXXX was where all my loans went thru. The first part was while i was attending the local XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX  kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..
I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on your report came from identity theft. And instead of blocking the items, they put them in dispute along with other accounts I did n't ask to be blocked. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Equifax which is not true at all!!! 
I only asked for these XXXX items to be blocked : 1. ) XXXX XXXX BANK XXXX XXXX # XXXX 2. ) CREDIT XXXX BANK # XXXX 3. ) XXXX # XXXX
AMSHER COLLECTION SERVICES INC Is currently reporting a collection account for   XXXX   on my credit report. However, AMSHER COLLECTION SERVICES INC is not licensed to collect in the state of Florida.
XXXX XXXX XXXX has been calling me and somehow they now have gotten the numbers of my family members and are HARASSING THEM with constant calls. 
1 ) The name of the person they are calling about is under my maiden name, which was changed SEVERAL years ago ... yet they know enough to reach out to my husbands family? 
2 ) I do n't have any debts to my name. 
3 ) When I called them they tried to verify my name and a ) verified it wrong ... then tried to verify my birth year and had it wrong. 

I need them to stop harassing my family.
PNC Bank in  XXXX , PA allowed ( and will not return funds ) an online withdrawal transaction that had my name and my father 's name on it. It was a checking account. My father passed away on  XXXX   XXXX ,   XXXX  , and my sister ( whose name is NOT on the account  )  withdrew {$500.00} two times ( {$1000.00} total ) on  XXXX   XXXX ,   XXXX  . Again, this was AFTER my father passed away, and my sister 's name is NOT on the account. PNC refuses to return the money or even attempt to retrieve the monies back from her. My sister (  XXXX   XXXX   )  and I have not spoken for several years. I feel this is the bank 's responsibility to return the {$1000.00} to me as it was then  MY account, and the bank holds responsibility to protect their customers ' accounts. The Assistant Bank Manager   (   XXXX   )  is the person I have been speaking to regarding this fraudulent act. I am filing this formal complaint against the bank so they refund the {$1000.00} that they allowed to be withdrawn illegally. They have been totally unhelpful and uncooperative in this matter. They did n't even notify me until 4 days AFTER the money was withdrawn. They are fraudulent in so many ways.
I made an account on XXXX and tried to link my XXXX XXXX  account. 
However, it shows the message that the CFPB blocked my XXXX XXXX account. 
I do n't know the reason why it is blocked. 

please help me! 

thanks,
I deposited a check in the amount of {$5000.00} XXXX dollars to my US Suntrust account on XXXX XXXX 2016. The check is scheduled to clear by XXXX XXXX 2016 at most according to the banks fraud protection/funds verification section. This is fine. On XXXX XXXX 2016 Suntrust debited my {$1200.00} for the conversion rate and did NOT credit my account the {$5000.00}. in addition to debiting my account they charged me an overdraft fee of {$36.00} which was only an overdraft because of the {$1200.00} they debited without crediting the {$5000.00}. Supervisor XXXX at ph : XXXX stated that there is nothing she can do to credit the account the {$1200.00} until the {$5000.00} clears nor can she pre-clear the {$5000.00} to compensate for their debit and she does not understand why this happened. I have no liquid assets available, this is an atrocity and theft. Supervisor XXXX also stated that she can not
LoanCare LLC is illegally holding my escrow funds. After paying XX/XX/XXXX taxes due of {$3500.00}, as of XX/XX/XXXX, they are illegally holding almost {$8000.00} in escrow funds. I have repeatedly contacted this company in writing and by phone. I have talked with supervisors. The companys employees are complicit in this illegal activity, as I have been disconnected, and told a variety of lies and excuses as to why they can not process my request. I have consulted with an attorney, and have confirmed this activity on LoanCares part is illegal. I will also note their rating and reviews on XXXX  are horrific.
Noticed this item on my credit report XXXX XXXX ). I never received letter from this company. Also, XXXX contacted me on or about XXXX XXXX, XXXX, in regards to this matter, and did not send me a conformation email, or mailed letter.
Received a call from ( XXXX XXXX ) on my business phone with no message. Called back thinking it was a customer and was forwarded to an unknown extension. Person said I owed XXXX to some bank I do not remember ever doing business with. 
A male voice told me my whole Social security number over the phone, then said the determination has been made to seek judgment. I said I do not respond to threats or scams and he had no business with my personal information. He tried to continue, but I hung up and immediately filed this complaint. My credit has been very good for well over 12 years. No such ( XXXX ) or other is listed anywhere on my credit report.
On XX/XX/XXXX I applied for a loan for {$18000.00} through XXXX XXXX. I received several offers. Sofi offered me a 7 year loan with a 10 % interest rate. These were the best terms I received and so I chose to move forward with this company. After having them run my credit and checking my pay stubs they came back with worse terms than other competitors had offered. I spent the last week going back and forth with them and my Human Resources department to provide them the further income documentation they said I needed for them to follow through on the loan terms they had offered on XXXX. After providing them everything they asked for they once again gave me the same loan they originally offered. Essentially I was given the run around in an attempt to wear me down and accept the actual loan terms they always intended to give me which were not the terms I was lured into their company with. Essentially, this is a classic bait and switch situation. I am not taking their loan and hope that filing a complaint here will shine a light on this company 's dishonest business practices so as to spare other borrowers from the same deceptive trap I fell into. Thank you!
I have been issued Credit card as well I have check in and savings accounts in Chase Bank. On  XXXX   XXXX   2017 , I used my credit card instead of debit card by mistake to withdraw {$1000.00}. I realized my mistake immediately after I checked my bank account online within an hour and I deposited {$1000.00} back to the credit card. I never intended to take  a cash advance and having a good balance in savings and check-in accounts, I did not needed the cash advance and i t was a mistake. The Bank posted the withdrawal transaction on  XXXX   XXXX   2017  and they have charged a transaction fee of {$50.00}. When I called the credit card customer care, they declined to revert the fee, in spite of agreeing that the intention was never to take the cash advance.Also, The customer c are executive sai  d that they will charge interest with APR 25 % + on the {$1000.00} for two da ys till the transaction was posted i.e. from  XXXX   XXXX   2017  to  XXXX   XXXX   2017 . They will charge in spite of my {$1000.00} advance payment posted on  XXXX  itself. I was unable to understand why should I pay for delay in bank 's posting. Also, I had a negative balance to cover the  cash advance f rom  XXXX  itself, then why should I pay interest.The bank should not have charged the transaction fee and interest charge. Its unfortunate that I am being penalized for a small mistake which was corrected immediately.
A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX XXXX  and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX and the hit to my credit was not removed.
I paid the loan off it was {$7500.00}, now they are charging {$7500.00} in interest fees.
I open a CareCredit Master card offered by Synchrony Bank in XX/XX/2017. It was offered to me by my dentist to help with my treatment bill ( ~ {$1000.00} ). My dentist 's assistant explained that as long as I pay a minimum payment, I will not be charged an interest. I went with an e-pay, and set up to pay my monthly payment on-line. By accident ( because I agreed that my dentist charged the card again ) I just realized that the offer had an expiration date on my account past by and I have been charged almost {$200.00} interest on my account. Synchrony never sent me any warnings about the expiration date. I tried to negotiate with them but was not successful.
Im a service connected veteran I lost my job two years ago once I lost my job I made partial payments to Bridgecrest ( XXXX ) once I received a increase for my XXXX I caught my car payment up and set my payments on auto pay. XXXX has 16 inaccurate late payments on my report. I raised my score 160 points less than six months on my own however these late payments are affecting me personally and my score tremendously. I should have a 700-750 credit score but the late payments is causing my score to stay low. I have 30 days to move out of military housing and I cant rent nor purchase a home with my va loan due to the inaccurate late payments. I sent numerous goodwill letters pleading for forgiveness explaining what caused me to fall behind and My request was denied because my address wasnt updated. BRIDGECREST ( XXXX ) didnt update my address when I personally called to do so. I am currently caught up on my payments and will continue Lets me be clear every month I made a payment however its reported I didnt pay at all. My car payment is {$450.00} a month I only receive XXXX and just about every month my car is in the shop. I explained to Bridgecrest my issues but they wont help. Im currently fighting XXXX  XXXX due to BRIDGECREST IM IN DESPERATE NEED TO HAVE THESE LATE PAYMENTS DELETED FROM MY REPORT. I pay {$450.00} for a car that has over XXXX miles I cant trade it in nor can I refinance. Im in desperate need please help
I paid off a loan 9 years ago and had XXXX negative entry attached. The last date reference this account should was XXXX2006. I have asked Bank of America to remove the information off my credit report. The mortgage was to XXXX XXXX XXXX XXXX XXXX It never went to collection was in good standing. I want nothing more to do with Bank of America and they she be held accountable for reporting this negative and will not remove it. It 's going into its approaching 10 years
Insurance company should have paid this and i was told these debts were resolved and to disregard any bills sent to me. I never recieved any bills from the medical providers. I just recieved bills from debt collectors XXXX later, thinking by this time the insurance had taken care of it. Now these unresolved debts are affecting my credit score.
To whom it may concern, Since 2013 I have been trying to get a loan modification with US Bank Home Mortgage ( Loan # XXXX ) every year I have successfully completed their packages sent it into them in a timely fashion, and as it gets to the end of the year they ( US Bank ) have never reached any type of decision concerning a loan modification. Once the year changes they write me a letter saying that my package has expired and they ( US Bank ) needs a whole new package. throughout the year they repetitiously ask for the same information which does not change. 
For 3 years they have only stalled on giving me a loan modification so I can catch up on my loan and make it current. Please look into my situation and please be of help so I can come out of default and make my payments.
I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX Balance : {$1400.00}
My car was broken into in XXXX XXXX. All my luggage and personal belongings were taken from my vehicle. All my clothes, passport, birth certificate, and social security card were stolen. I called the XXXX XXXX police dept and reported everything stolen. Just need to freeze my credit.
I have contacted XXXX Credit Agency for over 2 years with same problem I have provided documents to XXXX. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report
I.Q. Data International Inc. has attempted to collect the incorrect amount of {$1000.00} dollars from me when the correct amount is {$240.00}. I have documentation from the apartment complex who spoke with XXXX XXXX at I.Q. Data International and confirmed the correct amount.
U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years.
AR Solutions is attempting to collect a debt that is PAID IN FULL -- -- -- They a scammers. Please remove fraudulent collection notices on my credit reports ... ....
I checked my file that Credit Karma have on me and discovered the following : 1. Showing every debt that I may have used within a month not over the limit with the amount and increased balance in red giving a negatice impression.

2. Then the same is appearing for accounts that were closed appearing in red to give a negative impression.

3. Several of the closed accounts in red are not closed they are the same account that's opened but was refinanced.

4. I've lost clise to 100 points on my credit score which has destroyed my creditworthiness.

5. A month or two ago my student loans appeared in red were taken out of XXXX  file but now in Credit Karma file is showing up again in red as interest is added to my deferred loans making my loans appear over the limit.

6. Closed debts are showing both opened and closed.

7. The red writing that appears next to each bill makes my debts look like they are delinquent or write offs and whatever that's negative rating or remarks.
On Friday, XXXX XXXX this company started robocalling my number, my girlfriend, and my father. On Monday, the calls continued even after I spoke with them and asked to validate the debt through sending me a bill. They Continued to call my girlfriend and father and called me one more time late in the evening with no answer. On Tuesday they continued to robocall and even reached out to a ex in-laws of my girflfriend.
I received a credit alert that a collections company had posted information that may have been harmful to my credit report. I contacted the company ( XXXX XXXX ), but they could n't find my information. So I contacted Experian, which had notified me of the posting in the XXXX place. I disputed the information, and the posting was deleted, but XXXX incorrect addresses that I believe are the root of the problem remain on my report. I 've never lived at either of the addresses on XXXX XXXX noted in the attached document.
Assignment of Mortgage From FHA to Conventional, MIP insurance was being paid the entire time, based on loan statements, the loan was in default, however the MIP insurance was being paid. My loan Original loan amount was for {$120000.00} and has gone up to {$210000.00}. The XXXX information is wrong, the loan was sold to a private investor and serviced by different loan servicers : XXXX XXXX XXXX and then to RoundPoint Mortgage. I received a modification package and I disagree with the amounts owed.
In XX/XX/2018, I went to check on my {$15000.00} CD account with Bank of America. I have evidence of this account for several years, then tax reports stopped. I did not withdraw the money. However, they could find the account number, but no funds. Their research and investigation department searched for it twice and could not find the money, nor any documentation of what happened to it. They sent me a letter that this investigation case is now closed as of XX/XX/18. 

I obviously want my {$15000.00} plus the interest earned for all these years. 

I have checked twice with the State and they do not have it as unclaimed money. 

Please help. 

XXXX XXXX