WillisBack/dataset-financial-user-claim huggingface dataset:
there are XXXX hard hit credit inquirys by bank of america on my credit report. I DID NOT AUTHORIZE THEM.XXXX of the hits were on the same date! XX/XX/XXXX. on my transunion credit report bank of america had hard hits on XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. I had been contacted by the bank regarding my equity line of credit that had a balloon payment coming due in XX/XX/XXXX. I paid off the loan on XXXX XXXX with funds from my IRA.I had inquired at bank fo america about their rates but I never authorized a hard hit credit report.In fact I was very clear and stated that I did not want a credit report pulled. landsafe credit ( a company that is affiliated with bank of america ) pulled a hard hit credit report on XXXX. there is no reason that XXXX hard hits from the same bank should have been pulled against my report on the same date! the bank was informed that I was going to pay off the loan in novemeber. I contacted them to get the payoff figure. They pulled another hard hit report on the day before i paid the loan off. This is unacceptable. The hard hits have caused my score to be negatively impacted and my insurance rates for my XXXX auto policys and XXXX property policys and XXXX umbrella policy to be higher than they should have been for the past 2 years. XXXX policys at aprox XXXX more per year that I was charged because of the lowered score times 2 years is XXXX that I was financially penalized because of casual policys at the bank to pull peoples credit reports. Once again I wanted to state I was very clear when I contacted the bank that I did not want my credit pulled and I was only contacting them for information ... NOT to make application. They wanted me to modify my loan. After I did my research and was told by the bank that I should stop making my payments on the loan to qualify for the loan remodification I was appalled. over 6 years ago I had XXXX credit card that XXXX missed a XXXX payment due to being ill and the bill getting lost in the shuffle. other than that I have always paid my credit card bills and house loans in full and on time. ( credit card with visa has been paid monthly on time and in full since XXXX ) anyways to be told not to make the house payments to " qualify '' fro a loan was something I was not going to do. From the dates you can see they pulled XXXX credit reports in less than 17 days is unacceptable. pulling a credit report the day before I paid off the loan is unacceptable. I am asking that the XXXX hard hit inquirys be removed immediately. Thank you XXXX XXXX
I requested for Transunion to remove/ validate a " paid tax lien '' reported by the XXXX Register of Deeds from my credit file. I sent a request to the register of deeds to remove, they in turned sent me a letter stating they have nothing to do with reporting to the credit bureau 's. I sent a copy of this letter to Transunion and year to date, Transunion has yet to remove/validate this discrepancy from/on my credit file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). There were 2 tax liens reported, Transunion has removed one of them.
WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.
I requested my credit report from at XXXX and on the report from Experian there are many creditors that I do not recognize and also there are several adressess that do not match mi personal data. The other reports that I received from XXXX and XXXX are correct.
On/around XX/XX/XXXX, I a settlement was made. I called repeatedly requesting the settlement to be in writing.

On XX/XX/XXXX, the company sent an agreement in writing via email, however, it did not state the payment would be final and resolve. On the same day, I replied requested to modify the statement, no reply.

On XX/XX/XXXX, I called and request the same agreement and detailed it should include " once paid, matter considered resolved ''. Representative stated she would get the letter sent.

On XX/XX/XXXX, I called and requested the same.

For about a week or so after, I called almost everyday asking the same.

On/around XX/XX/XXXX, a representative called me asking to resolve matter. I explained the situation and she, again, promised to get agreement sent via email.

On/around XX/XX/XXXX, same representative called stating that the agreement was sent. I informed her I did not receive it, additionally, she insisted that it was sent. But when asked for the same email to be forwarded, she refused.

Finally, she stated that since it is not past the " agreement '' date, the full amount is due.

It seems the company purposely did not send me the agreement in order to make it look as if I missed the agreed date. I stressed how often I called to ask for the agreement, but every time they failed to sent it.
In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the XXXX XXXX XXXX, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest.
When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get Experian to agree to Identity theft, and XXXX XXXX  and XXXX. However, they would not take the debt off. The XXXX XXXX XXXX  wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the XXXX XXXX XXXX, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by XXXX XXXX XXXX continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the XXXX XXXX XXXX charge off. The XXXX XXXX XXXX does not recognize its own charge off and has left it on their books as 3 open card accounts. Can you help me clear this up? Thank you.
We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.
In XXXX 2014 XXXX issued a phone number to me for new smartphone. A few months later I began receiving calls once or twice a week from XXXX in XXXX, NC. The calls are continuing. From online search I found info that says this is a debt collection agency. My phone number is on Do Not Call list but it says that debt collectors can continue to call. I have never had a debt problem. No reason for them to call me. Is it possible that someone else with a debt problem had this phone number before me? How to make them stop calling?
Transunion responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and XXXX with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft!
I have been smart rate shopping for a mortgage which has damaged my fico score. I requested in writing that some of the hard pulls be removed.
Dear Sir or Madam : This is in regards to Late payments, XXXX XXXX, FedLoan Servicing, Account # XXXX Attached are copies of documents to show that there was in fact a mistake made with my billing with the FedLoan servicing. The first document is a copy of the EFT application for direct debit. The date clearly states that on XXXX/XXXX/XXXX the EFT was put into effect. The second document states that my forbearance just ended and payment should have commenced upon the ending of my forbearance. The dates for the forbearance was XXXX XXXX, XXXX for three months. This would take care of XXXX, XXXX & XXXX payments. The third document shows a direct debit extraction reminder. The date on that is, XXXX, XXXX XXXX. My payments should have not stopped with the direct debit. These documents show that I, in fact, never missed a payment during the dates listed above. Somewhere there was a simple mistake that needs to be cleared up but seems nearly impossible. In the past, I have disputed these mistakes multiple times with all credit bureaus and FedLoan themselves. Nothing was done to fix the error. All I am asking for is a little latitude while this matter is being attended too. As you can see by my previous track record with FedLoan, I have never missed a payment prior to or after the dates stated above. I have never missed a payment on my first car loan through XXXX. I have never missed a payment on my second car loan through XXXX. My credit is in good standing. I am a responsible XXXX year old young man. I run my own small business in XXXX, Az. All I am asking for is a little help to clear this mistake up. Thank you!
The company stated I had to pay a 12 yr old debt or be served with papers and sue for 3x the amount of the debt. When my husband called them back they said they had not threatened to sue. They also acted like they could not give me a validation notice or their physical adress which from what I understand is required by law. They said they are a green company and do not send anything by mail and will only send out a paid in full notice once the debt is settled. I believe I may have actually paid the debt in full prior to this anyway. When I atttempted to look up the mediation service, Alternative Dispute resolution online there was little information and no XXXX picture of the business. The company they said was the actual debt collection company, that they were able to transfer me to within the same company, XXXX XXXX XXXX, there was no information om them as a company. Niether vompany is accredited by the XXXX.
I have a Home Depot Credit Card ( issued by Citibank ) and I had used it to purchase items on promotion ( 6 months no interest ) on XX/XX/2016. I was promised that no interest would be charged if I pay in full by due date XXXX XX/XX/2106 ). I have paid the transaction amounts for each month in full since then. For the month of XXXX the total transaction I had was {$11.00} which I paid prior to the due date. However, Ciitibank is charging me a {$25.00} fee since I did not pay the minimum payment of {$25.00}. I do not agree to the minimum amount that Citibank is asking to pay as it would mean that the 6 months no payment no interest is not what was promised to me.
Ditech is managing a refinanced VA XXXX XXXX mortgage for me. I called them to find out why they are not reporting my mortgage to the credit bureaus and they said their policy is not report my type of mortgage. They could not give me a reason why and just said that was their policy. This has resulted in my credit report dropping over XXXX points because Im not showing a mortgage anymore.
I tried to link my Capital One checking account with my new checking account XXXX. But Capital One is blocking XXXX from accessing my account even though I provided the correct log in credentials.
I took out a home mortgage with XXXX ( a mortgage broker ) with the first payment due on XXXX. XXXX immediately transferred the mortgage to XXXX to whom I made payments from XXXX through XXXX. In XXXX XXXX transferred my mortage to XXXX XXXX to whom I made mortgage payments to from XXXX through XXXX. 
On XXXX my mortgage was sold to Select Portfolio Servicing Inc ( SPS ) From XXXX to present I have made the remaining mortgage payments .I have documented proof from my bank confirming that all payments have been made ( on time ) and yet ever since the loan transfer from XXXX XXXX XXXX XXXX I have received monthly notices that I am I am behind a payment. I have tried relentlessly to clear this issue up and even hired an attorney to intervene on my behalf but without success. 
The attorney was concerned that the legal cost of entering into a lawsuit may outweigh the benefit of resolving my issue. At this stage I am now being charged monthly late fees and am getting calls and letters from collection agencies even though I am current on my mortgage and have been on time and am current with all payments. I am desperately looking your assistance in helping to resolve this issue. 
Sincerely XXXX XXXX
I have just graduated from my university on XXXX/XXXX/XXXX. Great Lakes says that I will begin repayment on XXXX XXXX, XXXX. I believe that I am entitled to a grace period that would make my payments not due until XX/XX/XXXX. The representative whom I spoke with today stated that there is only XXXX grace period over the life of the loan. The information that I have read online leads me to believe that this is not the case. I will be happy to start making my payments in XXXX, but am not willing to skip my grace period, to which I am entitled.
on  XX/XX/XXXX , I received a letter from  Barclaycard  regarding my  XXXX  visa card account ending in  XXXX . I was told that my credit card account will be closed at the end of this month when the card expires. The reasons were : amount owed on bankcads too high and balance on this particular account too high.   I do not argue these facts. But, here are my concerns ; when the credit card is closed by issuer, it is reported in my CB as closed by merchant. This will actually harm my credit. I have maintained this card very diligently. I always pay on time, and my payments are more than the minimum. I have never gone over the limit and never bounced a payment. The issuer issued me both my Barclay credit cards even though I had declared BK in  XX/XX/XXXX .   When I attempted to speak to agents at  Barclay  cards they were very uncooperative and did not care how my credit will be harmed by the closure of this account.   Your help in resolving this matter will be greatly appreciated
This past month I received a XXXX monitoring alert that KOHL 's had put a 'hard inquiry ' on XXXX even though I processed a 7 year Fraud Alert, a security freeze and pleas with them that this was FRAUDULENT and the hard inquiry needed to be removed. 

They told me they don't remove them, I would have to call the credit reporting agency, but they would CLOSE my account. CLOSE an account I never opened. 

I tweeted that I was going to report them to the CFPB because the inquiries from fraudulent online applications caused my XXXX of XXXX to drop to XXXX even though NONE of the hard inquiries are legitimate. 

I am tired of these credit card companies not taking responsibility to remove a hard inquiry I never initiated. All KOHL '' S is interested in is finding customers who want to get credit at 29 % interest and not doing what is right. They don't apologize for their arrogance and damage they cause by refusing to remove it. NOW they say it will take 120 days to do it, " if '' they do it at all. Outrageous!!!!!!!!!!!!!
The following companies below popped up on my credit information profile as hard inquiries in which I have no consent about the inquiry. I will like to dispute the hard inquiry the following company might have put in effect on my credit history or report. 

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Summary of Issue : JPMorgan Chase Bank, N.A. ( Chase Auto ) has reported account delinquencies for a closed auto lease account without notifying me of any amount being owed and they have continued to refuse to provide an invoice or statement to me for the amount supposedly owed. The credit bureaus have since downgraded my credit rating and the delinquency is published on my credit reports. 

Description of dispute : I entered into a 36-month vehicle lease with XXXX XXXX XXXX ( JPMorgan Chase Bank, N.A. as assignee ) on XX/XX/XXXX. I made all 36 monthly payments associated with this account in-full, returned the leased vehicle on-time, and I have never received notice of an additional amount being owed via mail, electronic mail, or otherwise. My account with Chase closed the day that I returned the leased car and I have not received a statement since I returned the car to the XXXX dealership. 

On XX/XX/XXXX, the day before I was due to leave on my honeymoon, I received a notification from my XXXX  credit monitoring service that Chase had reported a past-due balance of {$1600.00} on my Chase account and that the account was at least 30 days delinquent. I had no knowledge of what this {$1600.00} debt consists of. As a direct result of these negative reports to the credit bureaus, my credit score was lowered by 106 points. 

When I discovered the negative reports, I immediately submitted a dispute to XXXX, but Chase only confirmed to XXXX  the existence of the debt, which does not resolve the issue. A review of the online portal for the closed Chase account on XX/XX/XXXX revealed no current statements. 

I notified Chase by letter on XX/XX/XXXX that a delinquency was reported to the credit bureaus for a debt that I have never received a bill for and I requested a statement of the amount owed. I received a letter response from Chase on XX/XX/XXXX wherein they only stated that they reported an outstanding debt. I replied to that letter on XX/XX/XXXX to inform them that they have misinterpreted the issue and gave them 30 days to resolve the issue, but I received the same form letter in response on XX/XX/XXXX. 

I received a collection call from Chase on XX/XX/XXXX, wherein the caller, XXXX, stated that they had sent a bill to the incorrect address. During the term of my lease, I moved to a new address and notified Chase of this move by updating my contact information in my Chase Bank online account more than two years before the termination of the lease. I also listed my new address on the lease termination and vehicle turn-in documentation. My Chase Bank online account lists my current address in my customer profile. Despite this, Chase Bank has apparently sent statements to an incorrect address. 

Chase did not notify me that I owed an amount before it reported that amount delinquent to the credit bureaus and it has continued to report a delinquency. Chase did not notify me within 30 days of making those initial reports to the credit bureaus. Chase has continued to refuse to provide me with a written statement of the amount owed so that I may review it.
We fell behind in our mortgage. After 3 months we were told that we could n't make any payments until we had the full amount owed. Since then we have tried applying for making home affordable which from my understanding we did n't qualify for. Then they offered us a streamline modification which mathematically made no sense. To me it seemed borderline criminal. We were also told to just go ahead and make trial payment to keep our house out of foreclosure, which I do n't know if I can believe.
I am disputing fraud inquiries on my credit report which are hurting my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
XX/XX/2016 called ACS for a student forbearance information relayed to me was my loan was being sold to navient that my request can not be granted until the transition period is over and the new loan company has my files. It's in my report that the my loan has delinquencies of late payment. Accountability has not been acknowledge by irther party both loan offices are stating that during transitions the request of a forbearance was not granted and will be applied retro active. My student loan is still showing up as delinquencies of payment. ACS student loan has not fix the account. It is effecting my credit score.
The Equifax security breach media release provided a website where you could check if your information was breached and have enrollment to a credit protection plan to monitor your record for 1 year.
I went to the website where it confirmed my information was part of the breach and I was eligible to enroll. I selected the enroll button, entered some information, and was presented a message that I needed to follow the line and click 'continue ' to complete the enrollment process. I followed the instructions, but when I did the 'continue ', it returned to the check if data was breached - - it just kept circling in the verify your eligibility screens, One message said because I chose to enroll, that I would not receive further notices from Equifax on any credit breaches. 

I then called the phone number on their website to contact them ( XXXX ). It answered with a greeting, but then disconnected. 

In short : They offer free credit monitoring enrollment, but the website will not allow you to enroll, and by making the enrollment attempt, you relieve them from their obligation to keep you informed. They offer a phone contact for questions/support, but the phone number does not work.
equifax is report a acct that on XX/XX/2016, on XXXX i dont live there