WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on trans union and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter.

Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report.

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of XXXX XXXX and who i trusted with the information that was given to me. I did end up getting the XXXX  computer at a later date which was my intention i send a copy of the receipt.

It would benefit both the company and the customer best interest if XXXX XXXX could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit XXXX XXXX when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with XXXX XXXX any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made.

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as XXXX XXXX could fulfill the request of their customer and to rebuild that relationship with me.
This is an addendum to my XXXX complaint. Wells Fargo tried a XXXX time to take money out of my account causing XXXX more charges of XXXX
XXXX XXXX took out a hard inquiry on my credit report. I did not authorize or give any consent for this company to run my credit. This is a shady pay day loan company
Two months ago, I sent a letter to Equifax, asking them to investigate errors on my credit report. They are required to respond within 30 days. Despite follow-up letters into this matter, I have still yet to receive my investigation results from Equifax.
I was told by the bank I needed to be 90 days delinquent to modify my mortgage and my line of credit. I stopped paying both loans in XXXX XXXX. The property is worth XXXX and I owe XXXX. After speaking with an attorney we decided we needed modification. Bank of America did not provide me with corrected XXXX until 5 months ( XXXX/XXXX/XXXX ) into my delinquency. They provided a printed form with the wrong address on it which the IRS would not accept. I returned the correct form the same day I received it. They started writing off my loans less than 30 days later.
Equifax has continuously denied me access to my free annual credit report for several years after I submitted my social security number and answered correctly any questions to confirm my identification most recently on XX/XX/2019.
The Early Warning company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified XXXX XXXX XXXX about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.
I tried to make a purchase on my Chase Sapphire Reserve Credit Cards and was declined on XX/XX/2018. I logged into my account and discovered that every credit card account has been closed. Even my small business credit card account was closed. 

I called them yesterday and spoke to an analyst XXXX to get a reinstatement review on my account and to escalate to a supervisor. I received a call from the supervisor this morning stating that I was considered a risk and they are terminating their relationship. Despite the fact that I've been banking with Chase since college and have used Chased products for nearly a decade. 

I pay all my bills on time, do not run any debt balances at the end of the month, and do not do anything " wrong ''. I may have several credit cards and inquiries, but I'm just a guy who likes to get reward points to take trips, is that so wrong?
Navient has been harassing me and my co signer for about two weeks now in regards to a payment. The issue is that their system is not allocating the correct money to the XXXX accounts hence why XXXX account is being over paid and another loan account is being shorted. Notes have been placed on the account and not XXXX person that works there has fixed this issue. The calls are about XXXX times per day per person, I have explicitly stated that this is harassment and they have told me they have placed notes to not call again but they still do. This is such a frustrated situation and I hope nobody and to go through this!
This is happening with alarming frequency with XXXX of the credit report bureaus : they simply refuse to show my credit report online when it 's time for my free check-in ( I keep them on a rotating schedule in my calendar, so I know when it 's been a year since each report ). THis time is Experian ( XXXX is the other frequent refuser ) Instead, they suggest I fill in a very long form, attach many documents and send in a snail mailed request. I am sure this would not happen if I was willing to pay for my report.
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT. WERE DISPUTED WITH EQUIFAX MORE THAN 2 MONTHS THEY STILL NOT REMOVE FROM MY CREDIT REPORT.
THIS COLLECTION AGENCY FOR XXXX IS NOT MINE - I HAVE NOT HAD XXXX IN MANY YEARS
There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  two letters, one fax, an d called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX   XXXX  , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
Since XXXX 2015, I have been sending in " extra '' principal money on a monthly basis, requesting specifically that the checks be applied to principal. However, Green Tree Services does not directly do this. They put the money in " unknown '' accounts and when I contact them about applying the checks to principal, they always say it will take anywhere from 7 to 10 days to do this. Also, a person named " XXXX '' assured me that " she is watching my account ( for months now ) to ensure these checks go straight to principal payments. This is totally false, because as of yesterday, this problem is still going on. All I want is for Green Tree to properly apply my checks to principal as requested.
TRANS UNION NEVER RESPONDED OR REPLIED TO MY INVESTIGATION AND ISSUE REMAINED ON MY REPORT.
On XXXX XXXX, 2017 I wrote XXXX, XXXX and TransUnion about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.
Citi Mortgage Started as ab line of credit, economy crashed and started to have financial difficulties. We received a letter from Citi Mortgage stating they were closing all lines of credits and had to pay it off, or convert to mortgage. We had no choice.
My husband and I started the paperwork seeking loan modification and we also made a large payment to catch up. We thought we would finally have our modification completed by now. It has been about 1 1/2 years by now.
They keep asking for more and more information to submit, resubmit over and over again etc. We are hoping for the relief this modification will bring us.
I am a 12 year XXXX XXXX  survivor and the stress dealing with Citi Mortgage is causing such stress.
XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX, N.J. XXXX XXXX
My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had American Express close their credit card and send it to XXXX XXXX, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX XXXX agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.
On XXXX XXXX 2017 my account was limited and money block from being withdrawn. I have sent all items I sold and have tracking to confirm the items have been delivered. After I completed all transaction PayPal is now asking me to provide my SSN and other personal information, which I did not agree to give. I have fulfilled all obligations to my customers so there is no reason for PayPal to be holding my money for 2 months. I want my {$140.00} released, I would never think a XXXX dollar company would bully its sellers around like this.
Company did not notify me of purchases made on credit card. I recently noticed this account as charged off when checking my credit report. If notiifed I would have disputed the charges. The original charges were in 2014.
They charged me an annual fee even though they said that they would not. Then they started charging me finance charges and late fees on that which I do not owe. Then they refuse to close my card when I ask them to.
On XX/XX/2018, my father who is XXXX yrs old came to my home holding a piece of paper. He said that he had just received a phone call from a man named XXXX XXXX, a civil servant. Looking for me because I am being sued in a big lawsuit in Civil Court. He left the telephone number ( XXXX. ) My dad asked this person how he got my fathers phone number. The man said it had just come across his fax machine. My dad came to my home immediately, holding out the paper worried that i was in trouble. I called the number asking for XXXX XXXX. I was put on hold and upon returning the female stated that there was no one with thatname there but if i would hold she would help me and she asked my name. She put me on hold and upon returning she stated that i needed to listen to her entire presentation before asking any info. She began to read information that her company had received that i owed Wells Fargo Bank {$600.00} + ( I dont remember the exact amount. ) And she rambeled on some more and ended with a total of more then {$2000.00}. SHE THEN ASKED ME HOw I PLANNED to pay for the amount. I stopped her right then and told her that she needed to send me all of this in writing. I told her that i would not pay her and she said you will be summoned and hung up on me. I waited about 10 minutes and called back. The person answered the phone XXXX XXXX. I couldnt understand him so i clarified it several times. I informed him that i needed to speak with someone about the previous phone call. XXXX came on the phone and i informed her that because the man who called my dad had said i was being sued and because the first female i spoke to had said " fine then you will get a summons, '' and hung up on me that i felt thretened. 
She started to argue and then apologized for the others behavior. I told XXXX my name and she looked up my info. I said i wanted this info in writing. She said that they didnt have to provide me anything because they had sent it to a po box i had 20 years ago and another i did not recognize. She then said i would be summoned to court. I asked where her company was located and she said XXXX, TX. I asked how m i would be summoned and she said at home or work. The phone call ended. 
I thought about the phone call for a couple days and wondered how they could serve me at home bbn or work when apparently they didnt have my address as was indicated when XXXX had said they had sent previous information to a very old address. So, on XX/XX/2018, i called the number back. A message came on saying that it was a XXXX call of some sort and i never got to speak to anyone. I called several more times and never spoke to anyone. 
This is my concern. I did have a Wells Fargo acct. 8 or 9 years ago but none of my credit reports refect any problems. Also i have a couple XXXX XXXX rdports with no indication of problems. ALSO, Wells Fargo had been invoved in opening fraudulent accounts. I do not want this to go any further. I dont even know if its real. How do i know if they have served me by mail and ive never received a summons. I do not want this to be slipped by me some how. I do not owe this debt. I do not want these people ruining my credit. WHAT DO I do?
Previous complaint XXXX the response from the credit agency states the investigation will result in contacting a Vendor to verify the alleged negative item in my credit report. 

Verification from a vendor is not the actual source, which is the Court. The courts do not verify information so verification from a Vendor is not accurate reporting, it 's Hearsay. Please remove the alleged negative item from my credit report according to FCRA.
I have called XXXX several times about removing incorrect late payments reported to the credit agencies from the months of XX/XX/XXXX to XX/XX/XXXX. I have set up payment plans for these months and have paid off over $ XXXX XXXX of the cards balance. They even sent an email that says because of my payment history I am afforded the benefit of the total card allowance of XXXX. Yet, they report that I've paid late 4 months?
I reviewed my credit report and see where they have listed an item on it. I have requested a verification of the debit and asked them to provide proof. By sending me a copy of a document I have signed. They have not sent me any proof that I owe this debit. They have not sent me a copy of my signature as federal law mandates. If they do n't remove this from my credit report, I plan on suing them for damages.
I had a car that was purchased with my XXXX  husband and when we got divorced he stole the car and hid it. I assisted the authorities with the recovery and now it is showing up on my credit report with twice for the incorrect amount. They resold the vehicle but are attempting to collect the entire amount ( twice ). I have tried to fix the issue with them but i have two collections on my report for the same amount instead.
I refinanced ( closed ) my VA home loan on XXXX XXXX, 2015 with XXXX in good standing. XXXX became my new lien holder and funds were wired to XXXX on XXXX XXXX, 2015 from XXXX to XXXX. XXXX sent payoff to Nationstar Mortgage on XXXX XXXX, 2015 but transferred loan servicing to XXXX. I paid my XXXX bill to XXXX and then started receiving notices from Nationstar that my loan was past due. I 've attempted to contact all parties involved without success. My last request on the phone and written was to Nationstar asking them if payment has been applied to the loan and/or my unapplied balance - the answer is no. Neither has been responsive in the past 10 business days to my request. Since then I continue to receive threatening phone calls from Nationstar as well as foreclosure notices. Nationstar is also holding my escrow account which needs to be refunded to me. I need help!
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
I receive numerous calls from a particular number and now I have friends and family telling me the same number is calling them asking for me.
Insurance company paid the contractual amount. They later sent them a statement telling them the amount was paid and that I owed a XXXX balance. I have a copy of this letter ( sent by XXXX XXXX ) complete with the electronic transfer amount, numbers, etc. Now I am being hounded by debt collectors.
On XX/XX/XXXX I sent Southwest Credit Systems a certified letter asking them to validate the debt they are alleging I owe. I asked for them to provide me with the agreement with their client that grants them the authority to collect the alleged debt, the agreement that bears the signature of the alleged debtor stating they agreed to pay the creditor, name and address of the alleged debtor, amount of alleged debt, verification that the debt was assigned to a debt collector as well as many other specific requests for validation and not verification. 

Per USPS tracking number XXXX they received this request on XX/XX/XXXX.  On XX/XX/XXXX I received a letter in the mail from the company stating they verified the debt and that is was due. They attached a bill from the phone company and none of the requested information I has asked for. 

I replied to their letter asking again for them to provide me with validation that the debt was mine. This letter was received on XX/XX/XXXX per USPS tracking number XXXX. In the second letter I asked that they delete the debt from the credit agencies ( XXXX, XXXX & XXXX ) because they had failed to provide validation that the alleged debt was mine. 

I got a second letter from the company stating that the debt was mine and due as well as more phone bills showing the alleged debt. None of the information they provided was actual validation of the alleged debt. They failed to provide any information which proves the debt belongs to me.
Caliber Home Loans has persisted in concealing an agreement they made with XXXX when they sold the loan to Caliber in XXXX 2014. The agreement was for Caliber to address errors in our account committed by XXXX. Caliber has also continued to make mistakes when attempting to address our concerns. They are outlined in the documents attached but include : failure to appoint a Single Point of Contact for over 5 months after assuming servicing of the loan, the SPOC ( XXXX XXXX ) refused to complete research on our account to address errors, Caliber continues to remove an unsubstantiated claim of {$3500.00} of deferred interest applied to our account by XXXX, and most egregious Caliber sent us letters with the addresses and account numbers for XXXX different homeowners. Additional information is attached.
I have supplied them and the credit with the information attached and this information is still on my Equifax report.
Upon checking my credit report, I discovered that the following companies have placed credit inquiries that I have no knowledge of and did not authorize on my credit report. 
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 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 I have spoken with the companies and Equifax and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
I do not have any affiliation or a credit account/card with XXXX. However it 's showing on my credit that I have a closed acct with a balance more than {$1800.00}. I do n't own or have ever filled out paper work requesting or using any XXXX credit cards. It says the account was opened back in 2011 at that time I was not even a legal adult, I would like this to be taken off, it is affecting my credit score tremendously.
On XX/XX/2017, I received an email from XXXX XXXX that stated " Spend {$5000.00} between XX/XX/XXXX XX/XX/2017 and get a {$150.00} bonus statement credit for purchases. '' I spent over {$5000.00} within the allotted time period and have not yet received my credit, despite meeting all of the conditions. I have tried requesting several times through chat on their credit website to resolve the issue, but the issue has not been resolved.
i received a deposit in my account that was an ACH transfer from a company called " Radiant Cash ''. Upon noticing the credit, I looked them up online and contacted my bank this morning. My bank requested I contact the company first to try to get it resolved, but was able to confirm the deposit was submitted in my name with my routing and account number attached. Following the conversation with my bank, I contacted Radiant Cash. When the first representative answered the phone, I only provided my first and last name, to which she immediately responded that she had my application in front of her, and asked me if I ever applied for any loans online because they purchase information. When I advised her I did not, not in the last several years, she transferred me to the fraud department. The fraud representative I spoke with identified himself as " XXXX '' and told me he was located in South Dakota. He tried to convince me I applied for it, asked me for last XXXX of my SSN, which I refused to provide because I 'm already going into this phone call knowing this is some kind of scam. He then states they can rescind the loan, but it would take up to 4 business days, and he could email me a copy of the confirmation, along with a packet that I can file fraud with. Immediately following that, he refused to verify the email or any of the information on file, just kept asking me to provide it. Then states the only way he will be able to provide this information is when I file fraud and submit it along with a copy of a police report. All while insuring they will be taking their {$500.00} back, nothing more and nothing less. I do not know what kind of company deposits money randomly into people 's accounts without any confirmation or requests from an individual, but I had a very unsatisfactory ( not to mention uneasy ) experience dealing with this company. As of yet I have not received this email " confirmation '' from him that he told me over an hour ago that I would have within 10 minutes. Please help and investigate this company.