WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I applied for a line of credit with SOFI. I was denied based on an XXXX  report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting XXXX  to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above XXXX
There are some unauthorized fraudulent inquiries that are on my credit report and Transunion refused to remove them. My report was improperly shared by Trans Union because I did not authorize these inquiries and I have also contacted each of these companies and they can not prove to me with my original signature and/or documents that these inquiries were authorized by me. This is a fraud act by Transunion as well as the companies accessing my file against my will. 

These are fraudulent inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX I - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I request that you remove immediately the following fraudulent inquiries from my credit report : I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore it is the credit bureaus responsibility to remove them.
I received notification of my Income Based Repayment Plan was coming due for renewal. I submitted my information and my husbands on XX/XX/2016. I received an email on XXXX XXXX from Navient that they had received my information and nothing else was need from me. I called the company on XXXX XXXX, 2016 because a payment of approximately {$490.00}, ( {$210.00} is my normal payment amount ), was pending on my bank account Navient informed me that my Income Based Repayment Plan renewal was pended on the XXXX because it was too close to my automatic withdrawal date for them to process the application. I did not receive any type of notification regarding this. If I had I would have contacted the company prior to XXXX XXXX. Navient suggested I contact my bank to put a hold on the pending payment. However this would disrupt my loan forgiveness program as well as continue to pend my renewal application. The other complaint I have regarding this process is, Navient sent information to me via a " company '' inbox on an " old '' website which I had no knowledge of until they shared with me how to access that information. Navient had sent information regarding the due date of my renewal application and additional information to the inbox. My regular e-mail which is listed under the paperless billing and information is not part of the Navient " inbox '' and therefore I did not receive any information on the renewal application or due dates.
Recently had an account by the name of XXXX XXXX on my collections. It popped up out of nowhere, I was never alerted, contacted, or emailed regarding this collection. I have no collections regarding to this. I have tried calling but it sends me right to voicemail. It also says its from XXXX XXXX XXXX XXXX. I can not contact them either because the school had closed down in XXXX for fraud. I would like to get help to get off my credit report, thank you.
On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.
There are many areas that my complaint fits under. 

Company 1st contacted me on XXXX regarding a debt I did not initially believe was mine. I thought it was a scam and asked them to send me something in writing before I would communicate with them. They told me that I must set up a payment arrangement right then or they would take legal actionOn XXXX the company contacted my employer and identified themselves to " verify my employment '' then they contacted me, since I had not received anything by mail, I again stated I wanted something in writing before I would discuss anything with them. I also told them I was recording our phone calls ( legal in Oregon XXXX, they got upset and hung up on me. 

XXXX I sent a certified letter asking them to validate this debt. 

XXXX I received XXXX letters, one with a summary of the debt and one that indicated that they had contacted my lawyer and threatening legal action. 

XXXX. I received the information on the validation of debt that stated I had XXXX days to dispute the debt. 

XXXX They filed a claim in XXXX XXXX court. 

I have now realized this is my debt from my daughter and there was some confusion between me and my ex husband, I have no problem that I paid the original {$220.00} debt, what my issue is, is that my rights under FCDPA were clearly violated and I had to pay and additional {$93.00} of " fees '' because they filed a lawsuit before they gave me a chance to dispute the debt. In addition they contacted my employment and since I work XXXX I am aware they have done that with other employees as well.
I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX Bank Mortgage this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXX Bank Mortgage is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from XXXX different debtors. 
XXXX XXXX XXXX has to be removed from Equifax major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.
Issue details 1.When I vacated the property, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, back in XX/XX/XXXX, I did request property manager to come for final inspection, but he didnt show up. We did clean up and handed over the property the same condition as it was given to us. I paid the rent until last date, pls find attached copy of final check. And they said, after I move out, they will return my deposit, which they never returned! There are no outstanding rent from my end. 
2.After leaving the apartment, I am not sure what work they did, but they charged me {$2100.00}, as changing carpet and painting etc. I lived there less than 1year, not sure on what basis they spent this replacement? 

a ) Apartment manager never notified us or given any quote before spending their expenses ( as per California law, landlord required to give 30day notice prior to repairing the premise ).

b ) Apartment manager never did walk thru to check the property. When they sent me letter quoting some charges, I replied back to them that these are invalid charges, pls find attached multiple letter sent to them as registered post. But they never responded back to my letters instead they gave it to collection agency. 
3.Pls find attached claim # XXXX filed and its clearly mentioned that it should not affect my credit records.
Hi, Subject : Incorrect Information On Equifax Credit Report This is with regards to the incorrect information that I have observed in my Equifax Credit Report. On XXXX/XXXX/2016, I noticed that my Equifax credit score dropped by XXXX points, from XXXX to XXXX. When I further checked my report, I noticed that there were XXXX credit cards from XXXX XXXX XXXX that was tagged to my name, while only XXXX of them which is non-deliquent belongs to me. There is the second credit card from XXXX XXXX XXXX, which has gone delinquent which does n't belong to me, which was the main cause for the drop in my Credit Score. I also noticed that under Names reported in Equifax credit report, there are names such as " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '', which are not my names but reported by Equifax I have never had any instance of delinquent payment on any of my credit cards till date. But this factual error by Equifax has landed me into a credit zone where lenders would fear about my financial situation, I would request Equifax to please do a thorough verification and correct the incorrect information.
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX   Courts in the XXXX  district of Ohio. 

I sent a letter to the XXXX XXXX court in XXXX Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. 

The courts sent me a letter back stating they do not report and DID NOT report this information to the credit bureaus.

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.
On XXXX I checked my Equifax report ( XXXX see attached ) and noticed an account called XXXX XXXX Account # XXXX, which is furnishing information which is erroneous on my credit report. I then contacted XXXX by letter dated XXXX which I 'm attaching to this complaint. I filed the dispute with Equifax on the account but Equifax claims they verified the information. If you notice in the attached report, the information attached to this account is woefully insufficient. There is no scheduled payment amount, no actual payment amount, no amount past due, no balance amount, and most importantly no date of last activity. How can Equifax be publishing information that is negative to my credit from a company that supplies almost no information related to the account. This is a violation of the FCRA. I dispute this account in its entirety and want it removed from my credit file.
on the week of XXXX XXXX 2015. I received a " Debt settlement offer '' dated " XXXX XXXX, 2015 '' from LTD Financial services for a debt in the amount {$1500.00}. I did not recognize this debt as mine so I attempted to called LTD financial services to inquire about this alleged debt. I asked the phone representative to verify the social security number on the account. I gave him the last XXXX numbers of my social and he said that it did not match the number that they had on file for the debt. I asked him if they could then remove the fraudulently assigned debt from my credit report. the representative stated that I was a liar and that the debt was mine and that I was making social security numbers up to get out of paying the debt. I was called a " XXXX '' by this person and the representative implied that someone would visit my home to collect on the debt if I did not pay. after this phone call I sent a FDCPA verification letter to LTD requesting verification of the alleged debt which is currently fraudulently assigned to me ( LTD REF # : XXXX XXXX ) on the XXXX of XXXX, 2015 via certified USPS mail with return receipt. on the XXXX of XXXX I received the delivery receipt from USPS confirming that someone from LTD signed for, and received my verification letter. on XXXX XXXX In response to my request for verification under the FDCPA I received another settlement offer letter from LTD. on the XXXX of XXXX I mailed another letter to LTD reminding them of my verification request and urging them to fulfill their legal obligations under state and federal law. to date I have not received any form of verification of this alleged debt from LTD financial services. I believe that LTD has willfully fraudulently assigned this debt to me. this debt is affecting my ability to refinance my mortgage. the CFPBs mediation in this matter is requested.
I had a account with American Express Business that went to collections. I was a XXXX XXXX of a XXXX XXXX in my local area when the account went to collections in XXXX. Since the summer of XXXX the account was settled and resolved with a {$0.00} balance.
Hello, I am so upset about this, and I do n't know how to fix it. A company called Synchrony Bank took over many of my credit card accounts, and has gone though and XXXX by XXXX lowered my credit limits to the exact dollar amount I owe on each acct, making it appear as though I 've maxed my account and completely ruining my credit score. This is VERY unfair. They should have to make a note on the credit file that they lowered the limit, so that creditors do n't see me as maxing out accounts. There should also be a way that this does not affect your credit score the same way. How can this be allowed? VERY very unfair. I understand they have the right to lower the limits, but to have it look as though I maxed out these accounts has a huge effect on my credit score. Is there anything I can do about this? I really need some help here. TY - XXXX XXXX
Capital One Auto Finance holds the title to our XXXX Subaru Forrester which has XXXX miles and needs $ XXXX costs of engine repair. We are trying to get a new car, but CapOne claims we owe close to {$5000.00}. We do not agree and have an on-line statement showing a XXXX XXXX balance. About 15-18 months ago we contacted XXXX XXXX at CapOne who became our customer advocate to stop credit and collection calls that we were getting XXXX times a dayXXXX days a week. His number XXXX, ext XXXX ... he has stopped returning our calls since he placed a " cease and desist '' order on our account. A CapOne rep recently told us their policy was that no one could communicate, send emails or statements, or have any contact unless we lifted the order or got an attorney. We are basically hostages because every credit report shows an open balance for over 500+ days
I have XXXX private student loans totaling {$29000.00} with AES. AES does not offer practical repayment options that are available to to me from my Federal backed loans. Instead, AES offers me a gradual repayment plan ( " XXXX XXXX '' for 36 months ) and an interest-only repayment option ( " XXXX XXXX '' for 24 months ). After Select XXXX and XXXX are exhausted, AES plans to demand a standard repayment plan from me. AES applies the 'Simple Interest Formula ' to all student loans, applying a daily interest rate that, in combination with a standard repayment plan, is unaffordable. Unless I participate in a repayment option, I can not afford my AES loans. AES has never been forthright about what options I may have to repay my loans. When asked, AES could not produce information about how they calculate interest or how they determine how much of my payments are applied to interest and how much is applied to principle. 

AES does not offer an income based repayment plan or any other monthly-payment relief except for an extended term. Since AES applies Simple Interest, extending any term multiplies the amount of interest I will pay over the life of the loan. 

AES applies Simple Interest, calculated monthly, and is paid first, unlike a traditional loan. A traditional loan would pay a set interest amount and later principle, allowing a debtor to eventually pay off the loan. 

Instead, AES calculates my interest payments each month and consumes the majority of every payment I make. So little of each payment I make is applied to the principle of my loan that my principle remains the same. AES charges me the same or higher interest, and I make the same payment ( since I can not afford a higher payment ), and the cycle continues indefinitely. 

I can not meaningfully reduce the principle that I owe. Right now, AES is taking XXXX % of each payment I make for interest. At this rate, I will never be able to repay my loans, despite never missing a payment. 

AES tells me they are no longer offering student loans. In addition, there is no market for private student loan refinancing or consolidation. I am stuck with AES ' unforgiving Simple Interest calculations and its lender friendly terms and conditions without finding the right balance of affordable, meaningful student loan repayments. 

I wish the CFPB could step in an demand that AES and all private student loans stop applying monthly, variable simple interest calculations. Set a specific interest amount that would be fair as a loan, and let me pay my interest and principle down. I also want the CFPB to require private student lenders to provide all debtors with income based repayment options, and minimum amounts applied to principle, so I can afford and pay down my private student loans. 

Since I do not have the money to pay off my loans, I need regulatory intervention so I can incrementally get out of debt. I am stuck paying simple interest calculations every month and, unless I have several hundred dollars a month to apply to my AES loan ( I do n't! ), I will never make meaningful change to my private student loans. This cycle will never end, and AES does not appear to mind.
XXXX XXXX XXXX XXXX XXXX  sent me a XXXX ( cancellation of debt ) post marked on XX/XX/XXXX. 

Per Federal Guidelines : These reports are due XX/XX/XXXX, for XXXX payroll taxes, including annual wage and tax reports, unemployment tax reports, and Form XXXX ( the quarterly payroll tax report ). 

XXXX forms and XXXX forms, to employees and non-employees. 

By XX/XX/XXXX, annual wage and tax reports must be given to employees and independent contractors who did work for you in XXXX. That's XXXX for employees and XXXX forms for contract workers and outside businesses you made payments to. If you aren't sure whether to send a XXXX to someone, check this article about who must receive a XXXX. 

While tax season doesn't begin until XX/XX/XXXX for personal tax returns, including small business tax filing on XXXX XXXX for small businesses, some people like to get an early start on tax preparation, so the sooner you can get these forms out, the better. 

XXXX Forms to SSA and XXXX forms to IRS Submit transmittal forms for XXXX to the Social Security Administration by XX/XX/XXXX. That's Form XXXX, along with all XXXX and Form XXXX, along with all XXXX forms. This deadline includes forms filed electronically. 
Submit transmittal forms for XXXX to the IRS by XX/XX/XXXX. 

A complaint has also been filed with the Ohio Attorney Generals Office, and Ohio Civil Service Office due to other illegal practices this company has committed. A separate complaint will be filed to the CFPB that describes the illegal behavior.
To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for XXXX and 20 for TransUnion that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( XXXX ),  and 20 ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 (  b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
I initially sent a sepa transfer to coinbase on XX/XX/XXXX which they had received no problem they contacted me 7 days later stating that their was an issue with the sender being a third party source which was not the case as it was my bank account sending to my coinable account. on XX/XX/XXXX i received a email stating the money will be sent back to the sending account until this day i have not been contacted by coinable to get this issue resolved. i have sent them everything they need in order to refund the money to my account yet nothing has been sent and no response has been given to a number of emails. the amount was XXXX GBP.
Loans has been paid off. I have traded this vehicle with the title. This company is marking it as a charge-off and also saying paid as agree.
This is rebuttal from Citi 's response. I did receive the letter however there was no payment history received!!! All I received which has been attached is only a typed letter from the company with date but there was NO evidence provided to back up the letter they mailed. I WANT TO SEE THE PAYMENT HISTORY. I was not asking about the release of debt I was asking for the actual payment history.
I got phone calls and voice mails each day from Portfolio Recovery Associates. They claim I owe money but have never sent me a validation letter regarding the debt.
The online account/payment system in use by XXXX XXXX handles passwords in an insecure manner. Forgotten passwords are sent via email in " Plain text '', instead of a password reset. 
This indicates the password is stored as-is, instead of being hashed. This is also often an indicator that other account data is not being encrypted when stored. 
Further, the password in the email is all capital letters, which raises another red flag. On testing, I confirmed that the password field to log in is not case sensitive, further weakening whatever password is used. 
Please take your customer 's security seriously.
COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc..
I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX A with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the XXXXrk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with XXXX to have the lien removed from by credit file. I received a notification from XXXX on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..
Last week I have called Bank of America advising them of activities emailed to me of my account. They reset the online ID and PW. On Monday, XX/XX/18 our pay was wired into our account around XXXX pm and around XXXX pm someone logged into my online account, created a safe pass with their number, created a transfer account, transferred {$800.00} from my saving into the checking and self wired same day {$1900.00}. The recipient address is in XXXX. I found this out when I logged into my account the method I always do, via my app using my TouchID fingerprint, and noticed the incident. I reset my ID, and PW again, called the bank at XXXX am on XX/XX/18 and closed my accounts With all the alerts I have set up for my account, I never was alerted or flagged that a safe pass was created, another computer accessed my account or never done a wire same day transaction. They not only breached my account but the bank security feature and they won't take responsibility. I have to wait 10 days for my funds to get back according to them.