WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXXXXXX XXXX 5 accounts are reporting inaccurately. 
The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late. 
XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.
all current bills have been paid on time for a least a year. XXXX XXXX car loan paid off in full, some of my old accounts I am working on but there has been no significant change in my report, this is like watching paint dry
I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Exeter XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
In XXXX I learned that I had a private student loan that had been opened since XXXX. From what I remember the lender was XXXX XXXX. The lender informed me that the statements/phone calls had been going to my mom house. They sent me a copy of the promissory note and I immediately notified them that it was fraud. It was my moms handwriting and we had never discussed nor did I sign a loan application. I was told I could not claim fraud because I benefited from the loan ( I disagree ). Immediately after my wages were garnished & I was told the only way to stop the garnishments were to set up a payment arrangement. I informed them that I could not afford the amounts and was told too bad. I could not maintain that payment plan as I told them. I called in XX/XX/XXXX after receiving an email from Texas Higher Education Coordinating Board and was told my account had been sent to the Attorney General. XXXX XXXX, at the Attorney Generals Office told me I could either pay $ 3700+ immediately ( despite me actually reaching out to him ) or accept a garnishment. I told him that if I had absolutely no other option I had nothing to hide from a Judge hearing my case and about the fraud. He coerced me into expiditing the lawsuit without telling me that the Judge wont care about the fraud, almost always rules in the Attorney Generals favor, and that it be nearly impossible to find an attorney to represent me because of that. Also, he nor XXXX XXXX XXXX never told me that they were representing THECB/XXXX XXXX only and not a mutual party and strong armed me into making legal decisions that were detrimental to me and my case. I still maintain that this is fraud yet Im told its a family matter and I still have to pay. The suit has been filed but now Im given the option to enter into a payment plan or face imminent garnishment. This matter could have been resolved years ago had they considered that it is fraud yet Ive continued to be bullied into paying a debt that I didnt apply for or know about.
The company has been calling me harassing me since XXXX of 2015. I have spoke to about XXXX people. I have the name of XXXX XXXX as a rep. All of the reps are very rude, call and tell me they have a incriminating evidence attached to my social and will read the last XXXX, tell me i have committed fraud and they will forward my file for further legal action, and good luck and will hang up. When I told XXXX XXXX i would be filing a complaint with a government he told he did not care what i filed. The calls from a several different places across the US from GA, TX and CA.
On XXXX/XXXX/XXXX Cottonwood Financial contacted me at my place of employment. I stated that I was not allowed to take these types calls to which their represented stated that they would remove my employer from the list of numbers, and then they started to discuss the issue with me, and I reiterated that I could not take this call at work. They stated again that they would remove the number from their records. 

Within a week of this cottonwood called and left a voice message on my business phone. 

On XXXX Cottonwood once again called my work and left a message with the secretary.
I paid off my lease from US Bank. They failed to release my title with in 48 business hours per the Texas rules. Additionally US Bank confirmed receipt of the check on the XX/XX/XXXX but on the XXXX when I followed up stated they had not processed the check. I believe payments or payoffs are required to be applied the date of receipt. US bank required I pay them the Taxes that were due to Texas and then they were supposed to send me back a check made out to Texas for the Taxes. Instead US Bank send me a check in the incorrect amount made out to Dept Of Revenue SD ( South Dakota ). 

I had another car deal pending getting this car 's title in my name. This forced me to pay the taxes due to Texas out of my own pocket. US Bank is now refusing to refund me the funds I have paid to title the car in my name. Which I have now paid twice. I am holding an outage on my personal account of XXXX. While that might not be a lot of money to some, it is significant for me. 

US Bank told me I had to pay to have the check overnight mailed to them. This would cost me more money for their error. I asked they provide a label at their expense. They said they would and stated they emailed. I was later told they did not email it which is why it was never received. They stated they sent the label via XXXX and gave me a tracking number. The tracking number is for the label I would send back to them. They refused to give me the tracking number of the XXXX envelope which is to contain the XXXX label so I can send them back a copy of the check to South Dakota. Since everything else they have told me was not accurate I am failing to believe they have even sent me the XXXX envelop. My other question is why do I have to send them the bad check, I don't trust that when they do receive it that they will send me the funds they owe me. 

I attempted to escalate the situation but twice the call was disconnected when I tried to speak to a supervisor. On the third attempt I was able to speak to a supervisor who refused to work with me to get the check sent to me. I was told I had to send them their incorrect check and wait for it to be processed and trust they would then process a check and send it to me. So I am stuck holding the outage on the XXXX at least a week all due to their mistake. The supervisor refused to transfer me to her supervisor or any other supervisor that could help and that she had to disconnect the call because she couldn't help me. 

This has been a horrible experience of lies, mistakes and misinformation which has resulted in my loss of money and me holding the outage. US Bank has taken no responsibility or action to remedy their mistake.
This Mortgage debt with Selene Finance has been discharged in a bankruptcy filed legally and document with U.S. Bankruptcy Court XXXX XXXX of Missouri. Currently on my credit reports it shows that the listed account for Selene Finance, a real estate mortgage account as having a closed as " derogatory '' status as of the date of XXXX XXXX, 2012 which happens to be the same date of the Chapter XXXX Bankruptcy filing which included this creditor. The creditor seems to insist on reporting incorrect information on my behalf.
Repeated hang up calls, usually with one minute between calls. There 's no person or recording on the other end of the call. I called them back and told them to stop contacting me and they are still calling me and hanging up.
An online order in the amount of Approximately {$2000.00} was placed with XXXX on or about XXXX, 2016. Said order was subsequently cancelled by the merchant due to the previously opened dispute stemming from defective merchandise etc ... I have never received said order or signed for the merchandise. 
Collection agency was requested to submit proof of purchase along with their DCA license number numerous times, however, failed to do so. Their correspondence was received in rapid ... less than a week between letters sequence ... that not only violated any and all rules and procedures listed in Administrative Code, but made it look like Debt Collection Agency did n't receive my response and/or did n't feel like responding to my correspondence ...
EXPERIAN HAS DELIBERATELY NOT UPDATED MY CREDIT SCORE AND MY CREDIT LIMIT ON MY XXXX ACCOUNT BECAUSE I HAVE FILED COMPLAINTS IN THE PAST WITH THE XXXX AND THE CONSUMER FINANCIAL PROTECTION BUREAU. LAST MONTH ON XXXX XXXX MY CREDIT UTILIZATION WAS 3 % WITH A CREDIT DEBT OF {$230.00}. AS OF XXXX XXXX MY UTILIZATION DROPPED TO 1 % WITH A CREDIT DEBT OF {$41.00}. AND I CONTACTED XXXX ABOUT EXPERIAN NOT UPDATING MY CREDIT LIMIT FROM {$400.00} TO {$700.00} SINCE XXXX. I ALSO SPOKE WITH SEVERAL PEOPLE AT EXPERIAN WHO BASICALLY TOLD ME A FLAT OUT LIE THAT XXXX HASN'T UPDATED MY ACCOUNT. IF YOU CHECK MY XXXX AND XXXX CREDIT REPORTS YOU WILL SEE XXXX UPDATES MY ACCOUNT EVERY MONTH ON THE XXXX, EXPERIAN TOOK IT UPON THEMSELVES TO UPDATE MY ACCOUNT BACK IN XXXX ON THE XXXX OF THE MONTH WITHOUT PERMISSION OR AUTHORIZATION FROM XXXX AND THEY ARE DELIBERATELY KEEPING MY CREDIT SCORE STAGNATED BECAUSE I CONTACTED THE CONSUMER FINANCIAL PROTECTION BUREAU ABOUT OTHER PROBLEMS I HAVE HAD WITH THEM CONCERNING MY CREDIT REPORT. THEY ARE BREAKING THE LAW. PLEASE I AM BEGGING THE CONSUMER FINANCIAL PROTECTION BUREAU TO INVESTIGATE THIS COMPANY THOROUGHLY.
XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call and, after realizing I had no business dealings with them, asked them to place me on Do Not Call list and to not call me back ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - Called me, did not leave message ; XX/XX/XXXX XXXX XXXX - I returned call to ask them once again to put me on Do Not Call list, to not call me back, and to inform them that I would report them the next time they called ; XX/XX/XXXX XXXX XXXX - Called me, so I answered and informed them that they had violated my request to not call me again and that I would be reporting them.
BETWEEN  XXXX    XXXX 2017  THRU  XXXX   XXXX ,2017 I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
This is my second complaint regarding unauthorized inquiries on my credit report that I did not make. I have asked Experian and XXXX  to investigate and delete the following unauthorized inquiries : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any others are okay and were authorized, Please delete the ones listed as unauthorized. I also have requested that Experian remove XXXX XXXX XXXX from my report. It was removed previously through XXXX  and XXXX   because the debt was unable to be validated with a contract and signature. So Experian needs to follow suit under FCRA reporting laws.
This card is a Walmart Credit Card that is issued through Synchrony Financial. Over a month ago I noticed they were randomly applying payments to different promotional balance due dates. I called them up and requested them to re-apply my past payments from the later due promotional balances to the promo balance due first. Instead, they went back several months, took all my payments from non-promotional, interest accruing balances that had already been paid off, and re-applied them to promotional balances. This has resulted in interest being charged each statement period. I called and was told this would be correct immediately and that it was illegal ( a representative said so herself ) but I am still accruing interest for balances that were already paid off. I give them the benefit of the doubt to fix it and statements later it is still wrong so now I have to make a complaint. I need them to re-apply the payments and close out all of those interest accruing balances that they opened up by misapplying my payments in the first place. After going back several statement periods and fixing all payments they messed up and after ensuring they applied all said payments to interest accruing balances first, then they need to apply what payments are leftover to the promotional balances.
I received a call stating  I may b e served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two pymt s of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with   XXXX   XXXX  . He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
I have a total of 10 accounts listed on my Equifax credit report that should have been removed ( according to the Fair Credit Reporting Act after 7 years ) that have closed/ last reported dates ranging from XXXX-XXXX. I contacted Equifax and they advise their policy states 10 years, which violates the FCRA.
I have been receiving phone calls from XXXX for XXXX a year. I have received as many as XXXX calls a day. I do not owe money to anyone and the person has neglected to say who I owe money to. I have told them to stop calling but they still persist. I have never received any communication as to why I am getting these calls. They even call on the XXXX. I have all call records from my cell phone, which is also registered on the Do Not Call registry.
I contacted Transunion online and by phone at XXXX. I was only able to obtain my credit score for free. I was unable to obtain a copy of my credit report, the whole thing, without being asked to pay a charge. This is against the Federal Regulations!
In XX/XX/2006 I got a private loan from XXXX XXXX XXXX XXXXXXXX. I was making payments for a period of time but the payments were over {$400.00} and the agency refused to take smaller payments my aunt who is a co-signer on the loan paid {$8000.00} she had originally agreed to pay {$16000.00} to settle the account but when time came for her to pay them they refused. The lump sum was out of her retirement fund The loan amount was for about {$22000.00} now I have been sued for this account over ten years later I do not know what options I have left I have seen similar lawsuits against this same company I feel this company has treated me unethically and should be stopped
My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. X/X/17- {$4400.00} X/X/17- {$800.00}, {$5200.00}, {$1000.00} Copy of correspondence with the bank is enclosed.
Please see attached letter, file named : " XXXX XXXX Complaint Letter Against Ocwen Being Filed With XXXX 2016 XXXX XXXX, XXXX ''
Nationstar mortgage servicer is incorrectly reporting that my XXXX, 2015 mortgage payment was never received. This is not the first time Nationstar has made this type of accounting errors with my account.Attached is proof of my XXXX payment, which was timely XXXX on XXXX XXXX, 2015 by ACH electronic payment through XXXX XXXX XXXX Bank with a Nationstar telephone representative.
I have started using XXXX. It is a banking app that helps manage your money. It allows access to multiple accounts in one place. Capital one is blocking access and my ability to connect that account information.
They did not devote enough resources to protect my personal information they were entrusted with, see link below. 

https : XXXX I checked the link on their website and they verified my information had been stolen.
I applied for and was accepted into the Public Service Loan Forgiveness program in XX/XX/2006. I complied with the instructions given to me. I have been in public service since XX/XX/2006. I've been informed that my payments have not counted toward the PSLF program based on several factors, one of which is that I was not in a qualifying repayment program. I was never informed of which repayment program I needed to be in or that my payments were not counting toward the PSLF program. I have had my employment certified the entire time and made all payments as required by my servicer in full. I feel this denial is completely ridiculous and fraudulent. I have complied with all known requirements and the balance of my loans should be forgiven as represented to me. The claim that I did not make my entire payment at any time is incorrect. I have always paid the full amount due. I have more documentation if needed. I have tried to rectify this with the loan servicer, XXXX XXXX, on numerous occasions.
Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, XXXX  and Experian it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.
My husband has student loans he obtained with the help of an aunt. We are currently getting divorced. They have my cell phone number and refuse to stop calling me. I spoke with them on the phone repeatedly and told them to stop calling my phone number. I asked them to update it to his number, which they already had. They refused to remove my number from their database. I told them in no uncertain terms, I did not want to be contacted again via phone about this matter. It 's not my debt, the person they are looking for is not at my number, and I do not want the calls. They point-blank refused to remove the number.
On XX/XX/2018, I opened a personal checking account online with BB & T Bank. After some complications and inability to log into my account online, I tried to call them. Each time I called the only number that I could find to reach them, I waited very long and had to give up before reaching a person. Finally on XX/XX/2018, I spoke to a customer service representative after waiting around 45 minutes. I do not remember her name. Due to a few reasons, ( one mainly being my overall experience with the bank already ) we decided that I would not keep the new account and I would get my opening deposit of {$50.00} back. I explained that I was unable to visit the local branch since I was traveling abroad very soon and would not be back to Florida in the near future. The name XXXX XXXX and phone number XXXX were given to me saying she was from my local branch and would follow through with closing my account and getting a check mailed to me. 

On XX/XX/2018 I received an account statement in the mail, indicating to me that the account was still open and I'd been charged a {$12.00} maintenance fee on XX/XX/18. 

On XX/XX/2018 I called the local branch and XXXX was out. I spoke to a man named XXXX. He tried to help me, but said I'd have to come in to the branch. I explained that I'm now in California and have no plans for returning to Florida. I asked to speak to the manager and he  told me that she, XXXX, was busy and would call me back soon. I called XXXX number 3 hours later and left a message saying that she never called me and to please get back to me. 

I never heard back from her and have not received my opening deposit back. I have no way of visiting a local branch since there are none in California. I still have no online access to the account. I attempted to take back my remaining {$38.00} by using the Debit card, but its been closed by them.
my attorney sent a letter XX/XX/XXXX disputing the debt - the loans the company is calling me about are not mine.
XX/XX/ 2017 from receivables performance.

amount {$640.00} Original creditor name is XXXX XXXX XXXX XXXX. 

I contacted to the collet company already. They didnt see any debts on my name or my credit history. I dont even know that either. 
Id like to know how it shows on the credit score checking website.
My husband and I have had an XXXX XXXX XXXX XXXX for 9 years and have never had an experience like this. We are 2 hard working honest people and not use to dealing with criminals. Some bad people are using stolen credit cards and purchasing products from our company, and had the products shipped to an address in XXXX XXXX, FL that turns out to be a freight forwarding company. The credit cards used are stolen and the owners are not aware of the use till its to late. Orders for our merchandise are processed by Pay Pal. We collect the name, address, phone number, credit card number, CVV number for each transaction and the information is processed by the card holders bank and approved back to PayPal. They approved the purchases in question ( approximately {$6000.00} ) and Pay Pal sends us an OK to ship the products. We then send order information to our suppliers who ship the products to the purchaser. After a few weeks, the REAL Owner of the credit card files a complaint with Pay Pal saying they did not order the product. WHEN THIS IS DISCOVERED A CHARGE-BACK TO US IS INITIATED BY PAY PAL AND THE MONEY IS TAKEN FROM OUR ACCOUNT. The bottom line, is that the Bad People got the products and we had to pay the bill to our suppliers. The products sent to the freight forward company are forwarded on to another address, most likely off shore where the Bad People are picking up the products. The card holder bank that approved the transaction is holding us responsible for the full amount, even though they approved the card with a fake name on the card, different address than the owner of the card. They should have responsibility in this as well, they approved the purchase. We filed a complaint with the FBI and the XXXX County Sheriff ( File # XXXX ) two weeks ago. Got a return call from them saying that the freight forwarding company is a legitimate company and because of that they ca n't ( or wo n't ) do any more. They recommend if we get any more we email the freight forward company and give them the name and they will close that account.
theses are hard inquiries on my report.That needed to be removed.      Jc Penney Fund Suite