WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax refuses to investigate fraudulent inquiries on my credit report. I have spoken to several representatives and filed multiple disputes in regards to inquiries and each time Equifax responds and says that the inquiries are a matter of factual record and can not be removed. Under the FCRA guidelines fraudulent information on my credit report must be removed. The below inquiries are related to fraud and need to be removed XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX
The balance of my student loan has been paid from XX/XX/XXXX to XX/XX/XXXX of a total of {$23000.00}. 

In XX/XX/XXXX and XX/XX/XXXX the payments were late and shows on my credit score.
Our state had national disaster. Homes flooded and some lost. 
I contacted my bank to let them know my XXXX payment would be late I paid it 12 days later on the XX/XX/XXXX. 

They reported my payment 31 to 59 days late on all reports.

I have included proof showing this info and proof of payment made and citi banks violating the fcra in regard to refusing to report accurately to my credit report. I would like the cfpb to fine them 3000 to me for the violation of this.
On XXXX XXXX, 2016 and XXXX XXXX, 2016 Capital One Bank ( Cap One ) performed XXXX inquires. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury. I have sent letters to both the credit reporting agencies and Capital One themselvs to remove the inquiry
To whom it may concern : I HAVE A CAR LOAN THRU SANTANDER CONSUMER : I went to check my mail on XX/XX/XXXX, i rec 'd my credit report from XXXX and took it to my credit consultant, she showed me where Santander Consumer has reported me XXXX ( 2x 's ) to the credit bureau. My car payment is set for the XXXX of each month, i understand about XX/XX/XXXX, ok, but XX/XX/XXXX, im NOT, if we are just on the XX/XX/XXXX how is it that i am reported for ( 30 days late XXXX XXXX for {$420.00} ). When i called the XXXX # the rep named XXXX got rude and i asked for the Supervisor, it was XXXX, when i asked why was i reported for XX/XX/XXXX for {$420.00} she said i was not that i needed to call the credit bureau, but i explained that i am holding my report printed on the XX/XX/XXXX which i will be uploading to this and still she could not explain SO CAN YOU TELL ME WHY IM BEING REPORTED AND DROPPING MY CREDIT SCORE THAT IS HURTING ME FROM MOVING FORWARD TO HELP BETTER MY CREDIT??.
The company claims that my husband owes them {$84000.00} in student loan debt. The loan does not belong to them, but they are trying to make payment arrangements with us. They have also called and harassed my neighbors and landlord.
Hello I spoke with a representative from TransUnion  CS rep   XXXX  on :  XXXX   XXXX     2017 at   XXXX   XXXX  and explained to her I was a victim of their inquiry issue and to no avail would she help I insisted that these did not belong to me and nothing or no information was given to properly help me and I am extremely upset about this I want to be able to move forward and stay on track with my credit and this representative would not help and take care of my negative inquiries. Customer service was extremely poor and rep offered no resolution or assistance.
Our mortgage was switched to American Financial Network XX/XX/2016. I paid our {$1700.00} mortgage on XX/XX/XXXX. The company received and cashed our electronic check XX/XX/XXXX. The payment is n't until late XX/XX/XXXX. The collections department has been called me 10 times even though I confirmed with them on XX/XX/XXXX they received the payment on XX/XX/XXXX. I have told them not to call anymore on 2 seperate occasions. They are harrasing me for a debt that was paid on time and was never late. They refuse to stop calling me.
I noticed through XXXX XXXX in XX/XX/XXXX that a 30 day late was added for XXXX XXXX  (Creditor: XXXX XXXX XXXX XXXX XXXX XXXX). I disputed with XXXX and TransUnion immediately after encountering the error. I sent proof of payments and XXXX removed the erroneous late, however, nothing happened with Transunion, so I submitted the complaint again to TransUnion, but this time online instead of through the mail. I also contacted XXXX XXXX XXXX XXXX and spoke with XXXX  XXXX in Collections who confirmed that I had satisfactory payments and did not know where the late payment was coming from. I was advised by the credit union that they could not remove anything without the dispute. I finally received a letter from Transunion stating that they verified the information as correct. XXXX XXXX XXXX XXXX did not receive the dispute and is confirming that I was not late. I have gone through Transunion two time and will be doing it a 3rd which is completely unnecessary. It is unfair to have erroneous information on your credit report.
Originally, I was 2 months behind with my car payments. I called the lender to make arrangements to pay 1 month 's payment on XXXX XXXX and then the next month that I was behind on XXXX XXXX. The lender agreed, said no problem. I made the payment on XXXX XXXX of {$450.00} which was 1 payment. As of XXXX XXXX, the lender filed repossession and my car was removed on XXXX XXXX, even after telling me I was not in danger of repossession as long as I made the 2nd payment on XXXX XXXX. When I called to discuss the previous arrangement to pay the remaining payment on XXXX XXXX, they did not respond to that question and instead asked me if I wanted to begin the process to get my car back. In response to that, I asked how much I would need to pay to get the car back. They advised they would not tell me until I began the process to get it back ( I did n't know if I could get it back so I needed to know the cost first ). Next I asked how to get my personal belongings out of the vehicle and was then advised that I would need to pay to get the vehicle back. The lady was very unprofessional and was cursing at me over the phone. At this point, I feel as though I do not want the vehicle back because they will come repossess at any time even if I do make arrangements. I do still need my personal property from the vehicle ( XXXX XXXX in overhead compartment ) and would like to see a copy of my loan history notes.
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
LexisNexis I have not sign up with LexisNexis company or ask for any of there services. They act as if there the 3 Credit Bureaus with incorrect information. I don't need to authenticate nothing with LexisNexis. They gather information that is incorrect. I do not have to provide nothing to The. They have not authenticated nothing as of any Proof of documents or anything that's proof. All it is s letter a letter saying I need to authenticate my information. There is no law I have to do nothing with LexisNexis. There the one with incorrect information gathered threw 2 nd and 3 rd parties with no proof. My next action is going to be legal filing law suit on LexisNexis with no proof or correct information. I don't want to here no more lies and deceit of information unless proof is provided. If you don't like it lets go to court. I did not request sign up or ask LexisNexis for nothing.
Due to a hurricane, my account was placed on a 3 month forbearance and at the end I made a payment for all 3 months. Franklin American Mortgage has told me since my account would be removed from loss mitigation, but whenever I sign on I am directed to late payment/modification options. I have called the company 4-5 times, and the most recent representative stated the request for my account to be removed was not submitted on any of the other calls. I am unable to make my payments online as the account is practically blocked from handling any business. I have to call the lender, be read the disclosure for fair debt collections and speak to the loss mitigation department before I can make a payment. My account is not nor has it ever been past due.
Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and cash net   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
I have been trying for over a year to have my escrow over payment of {$11.00}, XXXX be returned to me. I have called the mortgage servicer ( Shellpoint ) every month and have gotten no where. Each time I call, it is as if they never heard of my problem before. I have documentation of each call. Each call takes at least XXXX minutes and ends with someone ( who call themselves a manager ) will look into it and call me back. No one ever does. I am at the end of my rope and feel that I am at the mercy of the bank who could care less. I am not rich and really need that money to take care of my children. The details-my loan was at the time of the incident through Shellpoint ( this was the third servicer since I got my mortgage ). They paid XXXX county for my property taxes in XX/XX/XXXX through a third party XXXX. The payment got bounced back to XXXX because there was no money due. ( My accountant had already paid the bill through my personal check ). Shortly thereafter, my mortgage was again being transferred to XXXX. Now is where I get different stories from each person. Shellpoint says the money got transferred in XX/XX/XXXX to the new servicer XXXX to account number xxxxxxx ( this is an old account when this loan was previously with XXXX before it got transferred to Shellpoint. That account is closed. My new current account with XXXX is xxxxxxx. I called XXXX ( also every month without help ). They can not find that account anymore and do not have any record of ever receiving any payments to any account of mine. XXXX says they can not help me. I need to know more details about where the money went. So I keep calling shellpoint asking for details about the payment. They say they have to email the request to the payment research department. No one can call them. So every month I ask them to submit a request to research the money. No follow up is ever completed. So now I am stuck. I do not know who to contact to help me.
I have talked to global lending services, many times, I have a loan through, them for XXXX, I paid them 500 last month, and told them I will make another payment XX/XX/XXXX then finish the balance XX/XX/XXXX. 

Since then they have called friends and family members that I have told them not to, I have NEVER given them any family info. And today they created a Facebook account and send my mother information. This must stop! My number not address has changed since the loan. 

And I want representation something must be done. 

XXXX please tell me what I can do and what are my rights
I BEEN TRYING TO HET MY FREE CREDIT REPORT I NEVER HAD ANYTHING IN MY NAME I KEEP GETTING DENIED FOR MY CREDIT REPORT I PIT ALL MY INFORMATION IN CORRECTLY I XXXX  XXXX   XXXX BORN ON XXXX XXXX XXXX-XXXX-XXXX  DONT KNOW WHATS GOONG ON BUT I NEED TO GET TO THE BOTTOM OF IT SOON MY EMAIL IS XXXX MY MAILING ADDRESS IS XXXX XXXX XXXX XXXX XXXX Ohio XXXX  AND BEFORE THEN I STAYED ON XXXX XXXX XXXX XXXX XXXX OH XXXX   PLEASE HELP PLEASE ILL GIVE ANY DOCUMENTS I NEED TO PROVIDE TO YOU UPON YOUR REQUEST THANK YOU
For the past month I receive a robo call every evening between XXXX and XXXX. I have recordings of it. XXXX XXXX XXXX. For a few weeks the call came from XXXX. Lately it's from XXXX. Last night it came from XXXX. It's 27 seconds in length. It instructs me to call XXXX. 

I have no debts. I owe no one. I am XXXX and retired. 

I am on the Do Not Call. I am tired of getting this call every day. I have exceeded my blocking capacity.
This debt was paid off in XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to XXXX XXXX.
I don't have any contract with the account mentioned below ; Company : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX
My house was sold in a foreclosure sale, while I was trying to work out a Workable Solution with CitiMortgage. I contacted with the foreclosure team a CitiMortgage, I had several Homeowner Specialists every time I sent in some paper work. I would have to explain my situation and hardship all over again. My mortgage fell behind when I was injured on the job, forced to resigned from my position by my employer. I had been waiting on Justice, praying everyday that my case would be solved before I went into foreclosure. I filled out an application, CitiMortgage sent me the wrong application, they were fully aware I would not qualify for a HARP loan. I was trying to get some homeowner assistance, that would give me short term help. I receive a letter from CitiMortgage stating I had to get my paperwork to them by XXXX XXXX. XXXX, I faxed the information back to them, on XXXX XXXX, XXXX there was a XXXX XXXX letter on my porch, inside it read, I had been denied, along with other reading that did not apply to me. I will fax all information to your office. 
I contacted XXXX XXXX, a company Director, because I was confused as to what was going on, Later another Homeowner Specialist contacted me, but, they kept playing phone tag. Every time I would call they could not take my call, they state that they would call me back, I would have to call them back or they would not have the information needed. The homeowner Specialists did not try to help or give me options to keep my house. I have been in this house for seventeen years and I am XXXX years old, I do n't know how pack up my stuff and look for somewhere to go. I am just sitting on edge now.
On the XX/XX/XXXX I withdrew XXXXeuros from Coinbase digital wallet to my bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the firm a multitude of times without result. Through email, chat, XXXX, all fruitless attempts. It 's like I 'm purposely ignored. 

My email address at Coinbase is  XXXXXXXXXXXX. I 'll send a screenshot as attachment. Thank you very much! 

Sincerely, XXXX XXXX XXXX
There are many inquiries on my XXXX credit report I do not recognize some from XXXX XXXX, XXXX XXXX, Commenity, and XXXX XXXX XXXX.
XXXX has referred me to collections for an amount that has been paid since XXXX 2015. This has been the second time it has happen. the first time I contacted XXXX management, they took care of the problem by adding a credit. Now the fee is showing up again as a debit and they stated that it was because XXXX has extracted the money. I then contacted XXXX and they have no record of this ...
My issues with DFS/ Discover Credit Card came about from a simple inquiry and upon making that inquiry and array a very unpleasant situations took place and I am a very wary and unhappy DFS- Discover Credit Card member. IMO, DFS does not does not document ( provide documentation ) that is sufficient enough for those who chose to use their CC. Back in XXXX to XXXX, I found that I was not issued ANY statement AT ALL- there are 4 months of ZERO documentation, not even a electronic message- NOTHING that provides information in regards to card activity ( or lack thereof ). Granted YES, I understand that due to inactivity, some CC companies/ financial institutions will opt for not providing a statement, however ; I do believe that this needs to be stated prior OR should be CONVEYED to the credit card holder in the membership terms and agreements documents. DFS has failed to do so. Furthermore, upon viewing various statements- there are simply charges that DFS will indicate as ( ONLY ONE EXAMPLE ) - TRANSFER BALANCE- MISC. I am writing this because, I WILL NOT BE PAYING DFS- DISCOVER CC for such " items ''. I have contacted DFS SEVERAL TIMES about this problem- I have also brought this issue [ PARTICULARLY, the FACT THAT IT IS QUESTIONABLE TO ME WHY I WOULD HAVE 4 MONTHS OF STATEMENTS THAT ARE NOT RECORDED/ DOCUMENTED ] up when speaking with the Customer Advocacy Executive , XXXX- when speaking to him in regards to the first complaint that I had issued to the CFPB. According to XXXX, DFS- Discover Credit Card is not OBLIGATED to provide statements, and furthermore, informing DFS members prior/ or in the Cardmembership agreement is not really their responsibility- this is of course, what I personally, got from his wording during our conversation. I have the entire phone call between XXXX and I recorded, however ; due to the fact that I had informed XXXX that I would be recording our conversation, and him responding by clearly stating that I did not have his permission to do so- his response will just have to be up to debate between him and I, since this is essentially just TWO people hearing/ saying one thing, while the perception of that one thing can ultimately be up for debate. I am going to end this by stating that I WAS COMPLETELY UNAWARE THAT ONE SIMPLY INQUIRY IN REGARDS TO ME ASKING DFS TO KINDLY LOOK INTO A MAXIMUM OF A TWO HUNDRED DOLLAR DISCREPANCY, COULD TURN INTO SUCH AN ORDEAL. I am reaching out to the CFPB for its assistance, unfortunately, I am having difficulty trusting DFS/ Discover CC yet I am unable to cancel my account because I AM afraid that ALL OF MY DOCUMENTATION WILL NO LONGER BE ACCESSIBLE.
I have been alerted to 2 hard inquiries on my XXXX XXXX Credit Report, I have never had anything to do with either of these companies XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX I contacted XXXX XXXX and was told that I had to prove that these inquiries did not belong to me, by contacting the above companies and get a letter of deletion.. and then they said it's only on your report for 2 years, why bother. I tried to dispute it on the XXXX XXXX site but it's the only part of the report that I couldn't select. It looks like your my last resort ... 

PLEASE HELP!!!
On XX/XX/2018 I mailed via the US Postal Service the requuired documentation to Equifax. I provided a copy of my drivers license, a copy of my passport, a copy of a cable bill and a copy of my electric bill in an effort for them to send me a new code to unfreeze my Equifax account. All the informnation had the mailing address where I currently reside The information was sent by first class mail to their XXXX, GA post office box. Accounting for the time in transit and the weekend they should have received it by XX/XX/2018. 

According to their website once they receive the information I should receive a new coder within 10 business days. As of XX/XX/2018 I have yet to receive a code from them to unfreeze my account.
I have been getting the run around from Transunion regarding an inquiry. I recently checked my credit file and noticed an inquiry from Transunion that I did not endorse. When I called Transunion I was told it was for an apartment complex in the state of Virginia. I live, reside and am currently in an apartment lease in California. I never attempted to get an apartment in another state, I never even considered moving. When I told Transunion this is not accurate they were not helpful and told me to just wait the 2 years until it falls off. This is an issue for me because I have an unauthorized inquiry on my credit file that should not be there. Also I was not notified in writing per Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me.
XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.
DONT BANK AT US BANK, THEY ARE FRAUDS. Bank returned items ( or held items ) when they where a debit purchase and should of came straight out of your account. I had a Target purchase for XXXX dollars and sufficient funds over a XXXX. They returned items so in a week it could come back and overdraft my account. Also they overdraft my account on items that cleared with sufficient funds. Then turn around and charged me again for an extended overdraft. They are crooks, and need some to investigate them. They are rude, mean, and do n't give a XXXX about there customers or helping them. When I went to close the account they would not let me have any documentation to proof I close the account. They said they have to get with there legal services. XXXX!!! All banks give you documentation, or something to say it is a closed account.