WillisBack/dataset-financial-user-claim huggingface dataset:
I have multiple hard inquiries on my credit report that I do not recognize and are unauthorized. I have called TransUnion as well as sent a fax. Their response has been to get in touch with the company that originated the inquiry. When I have reached out to the company who has originated the inquiry the tell me to talk to the credit bureau. 
As you can imagine this is very frustrating. As you know hard inquiries are looked as a negative on a credit report and can cause me to get turned down for potential loans, credit, and mortgages. 
The following inquiries were not authorized by me : XXXX XXXX 12XX/XX/XXXX XXXX- XX/XX/ XXXX- XX/XX/ XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/
I applied for a Citibank credit card on XXXX/XXXX/XXXX. The bank sent me an e-mail on XXXX/XXXX/XXXX stating they needed additional info to verify my income. They sent me a list of documents I could choose from. I selected to send them my paystub. I faxed my last two most recent paystubs on XXXX. But because those paychecks did not include my social security number, a Citi representative wrongly told me to resubmit my paystubs and handwrite on them my social security number. I faxed the new documents on XXXX/XXXX/XXXX, and followed up later that night. Another Citi representative from their Application Status department informed me they could not accept me writing my social security number on my paystub and needed me to send an actual social security card. So on XXXX/XXXX/XXXX, I re-faxed my paystubs again and, this time, faxed in my social security card. I followed up an hour later with the bank. First, they transferred me to an automated system where I could n't do much. I hung up and called again and a representative transferred me to the Application status. The transfer failed and I was accidentally disconnected. I called a third time and when I finally spoke with a representative, she informed me that I might be better off e-mailing the social security card because of concerns the faxed SSN card might not be readable. She provided me with an e-mail on where to send the SSN card. I took a picture on my phone, front and back, and sent it to XXXX. When I followed up later that night, I was given another run around that was the last straw for me. I was told they could not accept a social security card and that I had to submit my XXXX showing my social security number. I was very upset and asked to speak to a supervisor. I spoke with a supervisor from South Dakota by the name of XXXX for more than a half an hour and she ended up hanging up on me, tired of hearing my frustration, and telling me she has to leave because they were getting ready to close. She stated Citi needed to verify/confirm my address ( I had just bought a house less than a month ago ) and my credit report address showed my older address. But I pointed out to her that sending my XXXX would not address the address issue, since my XXXX will still have my old address. No card for me to date.
XX/XX/XXXX XXXX XXXX, In the beginning, a week after the vehicle was purchased the engine light immediately popped on. Asked for a trade in was denied. A little time after a problem occurred with the wheel Barron 's  and O2 sensor in XX/XX/XXXX. After that occured one of the particular rims bent and had to get a new rim in XX/XX/XXXX. From XX/XX/XXXX -XX/XX/XXXX the engine light constantly popped on and off and brake light began to pop on. In XX/XX/XXXX had to get wheel Barron hubs done again, front brakes, and side brakes .In XX/XX/XXXX purchased new tires and tire pressure sensor went out on entire left side of the car. In XX/XX/XXXX A/C went out and Car started leaking. In XX/XX/XXXX car began to shake. In XX/XX/XXXX had to get front and side brakes done again. InXX/XX/XXXX engine began to jump every time I shifted gears. Currently XX/XX/XXXX, engine light on ( engine still jumping every time I shift gears ), tire pressure light on ( entire left side pressure sensor is n't reading ), car shakes when showing down or when press on brakes, cold air blowing out hot ( leak in the a/c ) Interest rate increased to 28 %!
I disputed with XXXX XXXX a bill of {$100.00} that was not correct and only due because I stopped their service back on XX/XX/XXXX. I saw it on my credit report, disputed it back in XXXX and it was deleted from XXXX per dispute XXXX found to be a bogus claim. Again I am checking my credit reports in XX/XX/XXXX and XXXX said they sent me a collection notice on an bill over 5 years old that was adjudicated back in XXXX! This was just disputed with XXXX report XXXX XXXX XXXX on XX/XX/XXXX and removed on XX/XX/XXXX. XXXX. I put in a dispute with XXXX dispute # XXXX around the same time above and they Estimated month and year that this item will be removed from my credit report is : XX/XX/XXXX. They can not put this back on my XXXX  credit report because they know this is a bogus collection.
I've defaulted and the company Pennsylvania Higher Education Assistance Agency has charged me 18 % in additional interest on my loan for defaulting. My loan amount has actually doubled. Outrageous.
I sent the below letter to Transunion. 

To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Transunion continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Transunion. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Transunion, this should be removed, correct? I was not given any additional information on this.
To whom this may concern, For my records, I would like to obtain all documents related to XXXX. This should include signature cards, paperwork, etc. I would like this information because I believe there may be an Electronic Funds Transfer error in relation to XXXX and as a consumer I have the right to dispute and review transfers such as these. 

All right reserved.
Experian is not responding to any of my numerous requests to investigate, verify and remove one account from my credit report that does not belong to me.
On XX/XX/XXXX I made my first payment on our new mortgage with Freedom Mortgage - I wanted to setup recurring semi-monthly payments ( offered on their website - mobile and desktop version ). So, I had to make another payment to be ahead enough for payments to work. So on XX/XX/XXXX I made another and have been trying ever since to setup recurring payments that will be draw on the XXXX and XXXX of every month beginning on XX/XX/XXXX. 

Every time that I've tried to set this up I've gotten an error message that says " Were not able to access your loan information at this time '' on their website and nobody at the customer service help line seems to know what the issue is. First I was told it was simply because I was trying to do this on my phone, through their mobile-friendly website. Then, when I borrowed a laptop I was told it was because I was using XXXX XXXX - listed as an approved internet browser on their website. 

Next I was told that there may be an issue with my account but I'd need to fill out a form to have it looked into. I've done everything that I was told I needed to do to make this mortgage payment process simple and seamless with automatic, split semi-monthly payments but nobody at Freedom seems to know what is going on or how to fix it. 

Most of the customer service representatives have sounded very nice but are so scripted in what to say that once the conversation doesn't go where their script says they become nervous and uneasy about what to say. I'm worried that my complaints don't seem to go where they need to go with this Servicer.
About 4 years ago I purchased furniture from XXXX XXXX XXXX. I applied for their offered credit card with 0 % interest through Synchrony Financial. I set up automatic payments to break up all payments equally for the duration of my promotional 0 % interest term. For years they debuted my account for the same amount every month without incident. It finally came down to the last few payments and suddenly without notice my monthly payments were significantly reduced. This was done in an effort to ensure I would still have a balance on my card once the ridiculous interest rate applied after the promotional rate ended. Luckily, I realized what was happening and quickly paid off my remaining balance before their plan could be carried out too far.
I make bi-weekly payments with the belief that early payment is being applied to the principal of the loan. Mortgage company however does not apply partial payments until due date. Therefore, I get no benefit from early payment. I also make an extra payment each year. I am under the impression that all early payments are to be applied to the principle as I do not have a prepayment penalty clause on the contract.
On XX/XX/2018 Castle Credit Co Hol, placed inquires on my credit file, and illegally retrieved my credit file. On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.
I sent a letter to Midland Credit Management ( MCM ) on XXXX/XXXX/15 via certified mail asking them to stop contacting me via telephone. My letter requested them to validate the amount of the debt, the name of the creditor to whom the debt is owed, a verification or copy of any judgment, and proof that they are licensed to collect debt in the state of Ohio. I had received no prior written communication from this company and asked them to send me details on a debt they say I owe in writing only. The number they are contacting me on is a work phone number that I do not own and I do not use for personal business. Doing so is a violation of the agreement I have with my employer for it use. I received a reply from Midland Credit Management dated XXXX/XXXX/15 stating that they are unable to locate an account in their system for me and that additional information is needed. I was asked to send a Full account number, social security number, address or previous address, full name, and phone number. I could not provide them with an account number as I had received no communication from them with an account number or an original creditor. I also am not willing to provide a social security number to a business that states it has business with me but can not clarify what the business is. My address, phone number, and full name were provided in the letter I sent. Despite MCM claiming to not be able to locate a record for me, the calls did stop for a time. During this time I received no further written communication from MCM with any information regarding the debt they saw I owe. However, during the week of XXXX/XXXX/15, I began to receive several phone calls from an auto dialer sometimes XXXX times in XXXX day. I decided to answer the phone on XXXX/XXXX/15 as I was not aware of who the calls were coming from originally as the number being used during this round of calls is different than what was used previously. The represenative asked for me by name and stated they were with MCM and attempting to collect a debt. This was surprising as I stated before, I requested only written communication and had not received any response to my request for validation/verification. I provided the agent with my cell phone number and informed them I would call them back as soon as I was able. To which the agent responded that if they did not hear from me in 10 minutes they would call me.The agent also claimed that legal action was pending against me. As they called during the business day, I was not able to call them in a timely manner and they have yet to contact me again today.
I applied for BoA XXXX XXXX credit card and got aproved on XX/XX/XXXX. I received my card in mail in the next few days and activated the card right away. I tried to use my card for an online purchase in early XXXX, however the transaction did not go through. I tried to call BoA and was told the account was not active. 

My account was closed by BOA without even a notification, not a phone call, or email or a letter.
On XXXX XXXX, 2015, I went on Capital One site to look at my balance and I saw that they charge a late fee of {$25.00} on XXXX XXXX, 2015 when my account was due XX/XX/XXXX. I forgot to pay my account but they assessed a late fee early. It 's a problem because I usually pay my account through XXXX XXXX and on time and I have been charge late fees when I paid the day it 's due. I 've called in the past about this and I was told that XXXX XXXX posted it late.
On XXXX/XXXX/16 i was charged an overdraft fee of {$36.00}, not once was i notified of being over drawn so i had no chance to correct my banking mishap before being charged justly. Called into their XXXX BB & T support line XXXX after speaking with the rep was told i was given a reversal short of right after BB & T took over Susquehanna bank and they can not reverse the fee as its policy they only credit it back once per customer. The fault is mine for the money not being there the fee is their fault for not properly notifying me as the consumer to get the issue resolved ... it could have been days before noticing my account was overdrawn which for them would be a sweet {$36.00} a day still not notifying the customer of such issue. Spoke to the supervisor who refused to reverse it as a supervisor still has no rights to credit it back manager etc so policy 's jacked. Supervisor advised i am correctly signed up for all email and text alerts and that tech team will call the following day to troubleshoot the issue with alerts, the following day got no call from the techs had to manually call back in. Speaking with the tech, who refused to open or look at the ticket # i provided right off the cuff, not till i got irate did he then look at it and say it honestly means nothing -- he then told me that they lied and i was not set up for text alerts. XXXX department to another they can not get their answers straight as they are at fault and still refuse to credit back the fee in their negligence to notify me properly. Then also i found out tonight they charge customers a fee of {$2.00} per call after your first XXXX calls in the billing cycle not once was i advised of such fee and then again unjustified have been charged without a word edge wise to prevent such fees. This needs to be corrected and they need to get straightened out as they are making a killing robbing from their consumers. Thank you for taking the time to review this request and any actions taken to resolve this matter. Have a great day folks!
Have repeatedly advised of payment. See attached. 
Also, pcb email comes back ; " contact us '' page inoperable.
XXXX XXXX says I owe them XXXX dollars. XXXX   sold/placed this " debt '' with a collection company called AFNI. AFNI placed this collection on my XXXX  credit report. I have sent 4 certified mail letters to AFNI regarding this collection and I have requested XXXX investigate twice. no luck ... I don't think they even bothered to check. according to the collection this account went delinquent in XX/XX/XXXX. I haven't lived in a state that had XXXX  service since XX/XX/XXXX. ALL THEY NEED TO DO IS LOOK AT THE NAME OF THE PERSON WHO PAID THE BILLS BETWEEN XX/XX/XXXX-XX/XX/XXXX ON THAT ACCOUNT and they would quickly realize it isn't me and they would know the responsible party. I did open a cox account when I lived in corporate housing for a couple of years and had the name of the account changed to Assaf at some point between XX/XX/XXXX-XX/XX/XXXX. The only address that I lived at was XXXX XXXX XXXX XXXX XXXX  OK XXXX and Im pretty sure that XXXX is saying I moved. So my point here is ... if the service were in my name wouldn't I have had to authorize moving it to a different address? even though obviously like I said before it shouldn't have been. THIS ISN'T MY BILL and I would have never let it go to collections if I had ANY idea it existed.
I 'm filing a formal complaint against Capital One credit card I called Capital One last month at the end of last month pretending my payment is due in XX/XX/XXXX they did not tell me that if I make my payment on XX/XX/XXXX but I will have to make another payment for XX/XX/XXXX that information should not be correct on that making a double payment Capital One is giving out wrong information they 're trying to get over and they need to investigate it
Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.
This dispute involves XXXX XXXX and an inaccurate reporting of my account status to XXXX, XXXX, and Equifax. After challenging the validity of the account I received feedback from XXXX, XXXX, and Equifax which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in XX/XX/2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters XXXX then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.
Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on XXXX. They said that it was accurate. I called the home depot and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with XXXX and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.
I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in Special Civil in XXXX County, New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.
I got a protection agreement by XXXX with Experian Services Company last year because of a fraud and steeling information from the first party. Of course, I did not get any feedback from Experiance, even a freer report or Credit Score report till now Beside that, I start to receive many Credit Cards Offers which I do not apply for, Like ; XXXX. 
Will they only take fees through extra Sales Tax from XXXX which we are pay too and not sending Us or free reports annually to protect us?
I purchased a vehicle with a Auto loan from XXXX for the total amount of XXXX per month for 36 months over the course of this loan i had the engine fail on me i had only had the car for two months i had to hire a lawyer to get them to honor the warrantee on the engine past the engine issue it took 6 months for the car to be returned to my ownership after which i have had to take the automobile to a third party mechanic ever since and they chose to charge daily interest making my total payment XXXX a month never informing me of this change just about every operational part has had to be replaced on this automotive device the car was stole from my enclosed garage in a gated community on XX/XX/2017 at this time i had been dealing with identity theft issues to which i had PHI and PII information located within the auto the thieves did not give me the opportunity to gain access to all of my paperwork and data as a direct result of this XXXX now Bridgecrest has stolen my identity I did call my local law enforcement whom referred me to this site to file the complaint as of today 's date this loan is up to date showing they owe me XXXX
I previously filed a complaint against Med Data for reporting a collection account on my credit report without first giving me a notice of my right to dispute. The complaint # was XXXX. They responded to it, but with someone else 's information.
I first reported illegal use of my identity a little over seven years ago and a consumer fraud alert was placed on my account, the accounts in reference dissappear and show up again.