WillisBack/dataset-financial-user-claim huggingface dataset:
The below information was also sent directly to XXXX XXXX on XX/XX/ XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. -- -- -- -- -- On Monday, XX/XX/XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry. After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. I am requesting that this hard inquiry be removed from my Experian account. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.
Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : XXXX XXXX XXXX  via XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.
I received a loan from XXXX XXXX aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. I and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told by XXXX on XX/XX/XXXX XXXX central because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it. I bank with Chase because I want my money protected. If I unauthorized a charge it should not draft from my account. My bank should be on my side. If at any time a creditor can just dig into my account for any amount of money ... why would I continue to have a bank account?! Unfortunately I have debt because I have low income if this is the case I would live in fear everyday because I keep my income in my bank account.
In XX/XX/XXXX I moved and started new internet/cable service with XXXX. They did a hard inquiry into my credit on XX/XX/XXXX, which I did authorize. 
Two weeks later I received a notice that all of my services had been discontinued and I needed to contact XXXX to set back up. On XX/XX/XXXX I called XXXX to reinstate the service they cancelled for no reason and without my authorization, they ran my credit and put another hard inquiry on my report. 
Once I realized this error at the beginning of XX/XX/XXXX, I disputed the second hard inquiry from XX/XX/XXXX with Equifax, the reporting agency, and they told me the dispute had to be with XXXX and that they weren't able to resolve. 
After the response from Equifax I contacted XXXX and after several weeks they told me they had submitted a deletion request to Equifax to remove the second hard inquiry on my report. 
It has been over a month and this hard inquiry is still showing on my credit report, thus hurting my credit score. It seems that XXXX isn't doing their part and Equifax isn't taking responsibility to remove the incorrect/unauthorized inquiry. It would be very helpful if CFPB could reach out to the necessary company to have this hard inquiry removed from my Equifax credit report. Thank you.
Portfolio Recovery has continued to collect a debt that does not belong to me. I have asked for verification of debt a twice with no response. They have also contacted my family members about the debt.
ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL 3 BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OF X/X/2017 THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ON X/XX/2017 TO BE REMOVED.
ACCOUNT RCVY SERVICE  XXXX  ACCOUNT RCVY SERVICE Address :  XXXX   XXXX   XXXX   XXXX , AZ  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   Collection account. {$1400.00} there is also an amount of {$3500.00} that belongs to another family member who is  XXXX  and never authorized those   XXXX   prescribed by a Doctor.
Equifax is reporting a debt from XXXX for services not related to me. For the date of service stated on the debt, I had not been to the doctor, nor had I utilized this company 's services.
There is this woman that calls all night and all day from Capital One. It sounds like a recorded message. She blocks her calls but I was able to find a weird address XXXX She calls at all hours, Once, I tried to pick up the phone but no one is there
XXXX XXXX XXXX XXXX is reporting at least all three major credit agencies that I have two accounts XXXX XXXX with unpaid balances. The issue is that those accounts have been paid. The accounts were paid prior to my establishing new services with XXXX. In order to establish services with XXXX XXXX all unpaid balances must be paid. The last account I had with XXXX XXXX was at XXXX XXXX XXXX, XXXX, NC. I had the account at XXXX XXXX XXXX for over 2 years and I have attached a screen shot showing that the balance is {$0.00}. XXXX even returned a portion of my deposit that did not go toward the last bill. Plus XXXX XXXX XXXX XXXX is reporting that both of these accounts were open in XX/XX/XXXX. I had services on XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX, and on XXXX in XX/XX/XXXX. Both of those accounts were paid.
I have filed XXXX disputes against a debt collector ( XXXX XXXX ) reporting a debt owed to my Equifax credit report. Prior to these disputes, I filed disputes with XXXX and XXXX against the same debt collector. The nature of my disputes was that this debt collector never validated the debt by taking the effort to make me aware of an outstanding balance or any debt owed. Upon submitting the disputes with both XXXX and Equifax ; the debt collector ( XXXX XXXX ) could not provide any documentation showing that I had been made aware of a debt owed prior to the reporting of said debt on my credit reports. Following this response, both XXXX and Equifax removed the debt from my credit reports. I filed the same dispute with Equifax against the same debt collector ( XXXX XXXX ) and once again, the debt collector did not provide any documentation proving that they had made an effort to contact me prior to reporting the debt. However, following this response, an Equifax supervisor ( XXXX, employee ID XXXX ) told me that " because there was a response from the debt collector, they can not remove this account from my credit report. '' The employee continued, stating, " Our retention policy requires us to continue to report a debt for up to 7 years '' I then informed her of current FCRA laws regarding the reporting of debt from a debt collection agency and she reiterated her former response. I then proceeded to file an additional complaint of the same nature against the same debt collector, in which the same response followed by the same explanation was given. After calling Equifax, explaining to them that the other XXXX CRAs have removed the reporting of this debt, another employee ( XXXX, employee ID XXXX ) advised me to contact the debt collector directly, stating that Equifax does not oversee the removal of a misreported ddebt but rather they just inform the debt collector of a dispute against them. The employee further explained that when a dispute is opened through Equifax, Equifax forwards the dispute to the appropriate debt collector and the collection agency is responsible for conducting an investigation. This is very different from my understanding in not only the role that a CRA plays in the handling of disputes and removal of debt reporting but also the dispute process itself. I would like to file a complaint against Equifax for mishandling of a dispute against a debt collection agency. According to the current FCRA laws regarding the reporting of debt, the consumer must be made aware of an outstanding debt prior to the reporting of said debt on any credit report. Further, failure to report such a debt in compliance with FCRA laws and regulations subjects debt collection agencies to certain reprocutions ( including the loss of validity regarding a collection account ). Equifax did not abide by the FCRA laws nor did they assume their role as a CRA in the dispute process.
I have tried to dispute with Transunion about a couple things on my report like XXXX  which a loan company they updated the info but yet left the incorrect balance on there and its still showing open. The account is closed. Also XXXX XXXX XXXX XXXX. They reported me as a missed payment when I made a payment on XXXX XXXX. They also never informed me that this particular account had a due date. XXXX XXXX told me I had no missed payments because I was in the hardship program but yet Transunion is updating not deleting as they should.
I faxed a dispute letter on XXXX XXXX 2016. I went to log on their dispute tracking system to find out that they never started an investigation the the inaccuracies on my credit file. I gave equifax ample time to complete an investigation and they disregarded my letter and are being very detrimental to the status of my credit file. This is not FCRA compliant. I know they received the fax because I was given a reply of successful completion of fax.
Chapter 7 bankruptcy from over 10 years ago on Trans Union. The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
See attached letter, e-mails and documents None of the mortgage options as to where in the process is my issue, suits my situation. Had to select one to continue.
Experian is reporting an account with XXXX XXXX XXXX that should not be on my credit report. The account number is XXXX and is supposedly for a collection with XXXX in the amount of {$310.00}. 

There should be no reason why this is on my credit report and it 's strange that Experian is the only bureau reporting it. This has to be an error.
I have a a unverified account from Choice Recovery Inc. I had previously disputed this account. I have never done business withChoice Recovery Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery IncCease and Desist all further communications and collection activesand  provide the verification of the purported debt. 
I need a physical copy for my records contract, proof of claim,
I have attached a letter received from transunion with multiple names which means the report is wrong under fcra.i also received a letter from transunion saying verified as accurate.This account does not belong to me and I would like to know how did you verify this account with 5 different names on my report.what name did you verify this account belongs to me.According to fair credit reporting act section 609 ( A ) ( 1 ) ( a ) they are required by federal law to verify through physical verification of the original signed contract any and all accounts you post on a credit report.I am demanding to see verifiable proof an original signed contract with my signature on it you have on file of the account from XXXX XXXX.I want proof attached to this complaint
I woke up in this nightmare today 's date is XXXX/2017 I had 2 checking accounts with Bank of America yes the funds were low in both accounts but that was n't the issue I woke up and there were 2 check deposits I did not do 1 for {$2000.00} and 1 for {$4900.00} and who ever did it also change the password to my account and they had access to mobile banking! I called the bank to report is the lady on the other line said, " hold on im checking your account ''. Then she put me on a hard hold for 40 min! Then this other guy came on and Bank of America decided  to close both of your accounts per the customer disclosure you revived when you open the account, he went on to say Bank of America does not have to give an explanation on why they closed your accounts and then he asked me is there anything else I can help you with I told him this was fraud and he said I understand but it was a business direction of what the bank wanted to do! 

Also my friend in XXXX XXXX NM put in {$200.00} in my checking account cash and the teller put in the wrong account number by 1 number and they refused to refund the {$200.00} since they closed my account today they never will give me back my {$200.00}!
The debt is from my sister 's education loan from XXXX ( now owned by wells fargo ). I am the cosigner. 
The loan was issued in XX/XX/XXXX and in repayment since XX/XX/XXXX. Its monthly payment has a due date on XXXX  of each month with a grace period of 10 days. 
However, since the beginning of XX/XX/XXXX wells fargo started contacting me, harassing me by phone and mail, demanding payment as soon as the XXXX of the month. 
The last harassing call I got was in XX/XX/XXXX, after I told them to stop or I would report them. 
The collection letters keep arriving in the mail. I am attaching the last one from XX/XX/XXXX. 
Since XX/XX/XXXX no monthly payment has been missed and made within the grace period. 
The loan is 2/3 paid.
I feel I was pressured into signing a refinanced mortgage that did not meet the needs and has turned out to be a bad business deal for me and my family. 

Applied for a refinance with US Bank. Process went smooth. Had contacts from online and from a local branch. Main consultant was all done through email. Long story short, I was tricked into a mortgage that had my interested rate raised by almost 2 full points ( 3.75 to 5.01 % ), US Bank claims I declined to setup an equity account yet I specifically asked the branch contact when signing if the payment included taxes and Insurance. She replied, Yes, it does. Come to find out no equity account was setup. Now US Bank wants to fund {$1400.00} out of pocket and raise my payments close to XXXX a month. I would have never signed if this was the case. 

I was never offered to setup an account, and all documentation I have says the estimated payment includes taxes and insurance. US Bank deceived me into a deal that benefited US Bank and not me as the consumer.
I was approved by Universal American Mortgage Company ( UAMC ) for a jumbo mortgage at 4 %. I was provided a cash to close summary and a good faith estimate. Without notice and just 23 days prior to closing I was told that my rate was 4.5 % yet rates had not changed in the marketplace. Facing being homeless, I locked in at this rate and was provided a new cash to close summary and good faith estimate to cover UAMC 's tracks. I was told the reason for the change was due to a drop in my credit score and some reference to a non-existent business loss. While there was a drop in my credit score from XXXX to XXXX, the XXXX still exceeded to requirements of the loan when I first applied. There was no loss in my business which the IRS can attest to based on the taxes paid to them on profits as an XXXX XXXX UAMC 's bait and switch tactic will cost me over {$38000.00} over the life of the loan. They are crooks.
After much research I called capital one to request an increase to the existing platinum card. I was told that as I had just received an increase I would do better to apply for their no fee cash back XXXX credit card, which I did, and was approved. Today when I went to review my account I noticed a {$39.00} membership fee. I immediately called as I was not made aware of any fees otherwise, I would not have opened another account. The representative said I could 've combined the two accounts to make it one ... something that the initial representative said I could not do since I had to apply for an entirely new account. Finally she said she would the charge this year and I stated that I would figure out if I could to take a negative credit hit when I close the account before 2018. However, the system would not allow her to waive the fee! I am stuck with a credit card that advertises no fees and after a year of using the card want to apply a fee! This is bait and switch! And if I close the account my credit scores will be affected! I need assistance to resolve this matter.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. 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,
Around  XXXX   XXXX ,    2016 I co ntac ted Capital One about the annual member fee on my Master Card. I  was informed that new accounts no longer had that fee and that my account has been adjusted to no longer have that fee . Capital One e ven went as far as refunding me the fee they had previously charged me.   Despite t his Capital One ch arged me another fee on  X/XX/2016   . I have contacted them numerous times but they have refused to do anything about it. The best solution they have offered is telling me to apply for another credit card.   I wa nt Capital One to do  as they promised and remove the fee from my account and make sure they do not keep charging it every year.
My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX   ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX )
I went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). XXXX and Experian both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form 1099. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.
I have submitted a workout package to The Source Money the servicer of my mortgage on XXXX/XXXX/15. After 2 months under review they are telling me that they can not do anything for me. I am a XXXX and I XXXX which left me XXXX from doing my job. I used my sick time, vacation time, but I have run out of it. My family is willing to help so I can pay my mortgage at least {$1200.00} per month for the next 3 months. After that I will be going back to work. The representative at the loss mitigation department XXXX XXXX is not helping and he is very aggressive. stating that it is not their problem if I can not make payment. I never planned to get sick while working. It is my full intention to keep paying my home. But I need some help. XXXX XXXX stated that because I have an FHA loan it is very difficult. I just need a break while I am getting better. I submitted them a copy of my doctor 's examinations that I am XXXX, I am recuperating slowly. Please help me. 

Thank you,