WillisBack/dataset-financial-user-claim huggingface dataset:
To who 'm it may concern, I am writing this dispute on behalf of Equifax. I have contacted Equifax via phone and via certified letter on behalf of XXXX unauthorized hard inquiries. I have had a fraud alert in my credit file before also my personal information was convined with someone else 's personal information now I have a fraud alert due to identity theft that indicates anyone who runs my credit needs to contact me to verify if it 's me seeking credit and that was n't done and that violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise of my credit being pulled with out my permission and request them to delete the inquiries with no result.
I responded to promotion in which if you have a Key Bank Credit Card and you open a Savings Account {$200.00} will be added to your account. I entered promo code and opened account as stated and the {$200.00} was never added to my account. Not sure of promo code but it was on or about XX/XX/2018 that I responded to PROMO. Ive repeatedly reached out to company with no response They did respond to my last email, 'XXXX XXXX stated that the case had been submitted to the Executive Offices that was on XX/XX/XXXX. Have heard nothing since then.
I opened an American Express business platinum card with a promotional offer of XXXX bonus points after spending {$20000.00} in the first 3 months. I completed the spend. However, American Express isn't letting me use the points. They claim they need to make sure my purchases qualify. They say it can take 6 months until they " release '' the points. It never said anything like this in the terms and conditions.
I have received a letter from Discover. The letter states that they have never ran a credit score and that if any information on my XXXX  Credit Report is not a Hard Inquiry. I beg to differ. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX This is the information listed on my XXXX  Credit report and was obtained without my permission. I ask know since Discover has lied about how any information was listed on my credit report to properly compensate me for my troubles, my emotional distress and the damage that this hard inquiry has on my credit score. Discover has not obtained the ip address or sent me the application that was used to incur a hard inquiry on my credit report. 

Skip to content Overview Reports & Scores 50 Identity Protection Credit Cards Loans az Support Skip to content Credit Summary Credit Reports FICO Scores Credit Alerts ( 50 ) Have a question? 
Archived ReportsBureau Your Next 3 Bureau Credit Report and FICO Scores will be available in 87 days. Can't wait? Refresh Now Summary Accounts Collections Inquiries Public Records Lock Your Credit Report Every time you apply for credit, a " hard inquiry '' is placed on your Credit Report. Here you will find the business names of those who have obtained a copy of your Credit Report over the last two years. Hard inquiries stay on your Credit Report for 25 months. 

You have 11 Inquiries Inquirer Name XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX If need be I can provide a copy of my experian report. Please do not allow this companies to violate consumer rights just because they feel they are untouchable.
I have recently refinanced my home and Ditech is my servicer, XXXX is the investor. I have since the start of this loan in XXXX 2016 made additional principle payments which can not seem to get credited to my account correctly. Each month I call and have to spend time speaking to numerous people who assure me that this will get straightened out. I 'm told they will put lock out codes on the account, next month when I call I 'm told the person prior did n't do it correct, now today I 'm told they acquired a bunch of loans and are really busy. I 've not received and accurate account statement from Ditech in 6 months. They keep applying my additional principle to future payments. Today I was told my additional payment from two months ago still is pending to be credited to my account. I asked for a payoff of my account and they can not give it to me because they have no idea what it is. This is ridiculous, six months and they ca n't resolve this issue. I also have asked that my interested be recalculated to be sure it was reduced with the additional payments from the time the additional funds were received and that those funds also should have been credited to the account.
This month I checked my credit report through XXXX. On each report there was a new item for {$2000.00}. One is listed as XXXX ( TransUnion ) the other as XXXX ( XXXX ) ; both list the original creditor as XXXX. I do not have a XXXX account ; my last XXXX account was closed in XXXX, 2011 ; and had a XXXX balance. I have received no XXXX communications since.
Dept of ed. {$63000.00} Tax lien {$82000.00} First Merchant {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.
I do not receive my mortgage statement until the day before my mortgage is due and they state they have n't received my payment and it has been 10 days since I snt them the payment. I requested they send me a book or send the statement out earlier and the lady told me that I need to work with my local postal service ... my husband is one of the XXXX..this is not the issue. They have told me know that I will be charged late fees if I do n't get my payment to them on time.
On XXXX/XXXX/XXXX a check was submitted for withdrawal for {$1400.00} leaving a balance of {$300.00} however it was returned. A fee of {$35.00} was taken from my account leaving a balance of {$300.00} on. XXXX/XXXX/2016. 
On XXXX/XXXX/2016 it was returned back into account leaving a balance of {$1700.00}. 
It should have never been an insufficient returned check nor charged.it was embarrassing. To have my first months rent returned when the money was available. 
I would like my {$35.00} returned into my account.
When applying for a loan recently they discovered a had a derogatory delinquency on my report when I called experience they told me to work it out with the creditors who I know I never had an issue of any kind with. I tried to get to the bottom of this for days thinking someone was trying to steal my identity. I called the experience a few times and finally they told me they had merged my account with someone else 's ... ... sorry. I wanted them to not only fix that but all the names that had come up on my report including this other person and I would like a PIN number in order for anyone to access my report and I would like a copy of the new credit report sent to me email and postal mail. None and I mean NONE of these things has happened. Now I do n't know if this person is running around pretending to be me but the experience does not seem to be a bit concerned about this mistake and I am very upset and think I will need to get an attorney now.
I keep check of my credit score with XXXX XXXX and noticed that on XX/XX/2018, there was a hard inquiry for XXXX on my Transunion report. I have never had or attempted to have an account with XXXX so I called the XXXX number on the information page and they verified that my social security number had been used to open an account. They could not tell me anything else but told me to come to this website to dispute it. Please help with this before whomever did this ruins my credit. Thank you.
Debt company trying to collect the debt which has any right to do so. Same debt previously has been tried to be collected by multipple different companies, with each of them failing to validate the debt or prooving to be the rightfull executor of the debt. Letters of validation, as well of cessing any communication will be send to the collector. If company will still harass me in any way, I wo n't hessitate to take legal actions against them.
On XX/XX/XXXX, I received a call from Navient at my new place of employment. It was forwarded to my desk through the office operator. Never have I given Navient my work number nor my permission to contact me there. I told the rep to never contact me at work. She told me I need to provide a written letter stating this and even then, they did n't know how long that would last. Then, on XX/XX/XXXX, my HR department received a fax from Navient requesting my work status. I was not made aware by Navient that they were doing this. I was called into my HR office much to my embarrassment. Navient has attempted more than once to injure my reputation with my new employer and has cost me valuable time away from my new job to address issues that are private. These actions on their part are inexcusable and indefensible.
i wasnt notified by the creditor before they tried to take legal action, not even the attorney office, they never sent me a validation of debt notice not even a phone card no communication at all
I am XXXX, a XXXX ( XXXX ) XXXX XXXX. In the past few years, I  have suffered numerous XXXX XXXX XXXX. 
I always had excellent credit, but reached a point of being overwhelmed. I had such a hard time coping that I was prescribed XXXX XXXX and still had a hard time facing it. By mid-XX/XX/XXXX, I decided to pull myself out of the hole. 
So, on XX/XX/2017, I contacted my longtime bank, Fifth Third, to advise that I was working with a XXXX XXXX XXXX at a XXXX XXXX XXXX and intended to resolve my credit card debt with them. I asked for The current balance. 
The rep demanded {$110.00} or said it would be " written off as bad debt tomorrow. '' When I said I did n't have that amount today, but might tomorrow, he repeated the info. So I said " you ca n't get blood out of a turnip '' and he said - AND I WROTE IT DOWN immediately " we can squeeze the rock as hard as we can. '' This is a DISGRACE.I He then tried to get me to agree to a settlement, when I had already explained I had a XXXX. 
Of all my creditors, the one who treated me with threats was my own bank? 
Fifth Third -- awful!!
I have been paying on a car that I purchased 3 years ago for {$15000.00}. My loan is through Santander. According to my payment history I have paid {$15000.00} to date. Santander says that I still owe over {$13000.00}. My payment history shows that the majority of my payments through-out the years posted totally to interest and not towards the principle at all. My loan has an interest rate of 15 % and based on the figures they have charged me 50 % to 100 % the entire time.
My home was included in my bankruptcy in XXXX, and discharged in XXXX. Indymac bank, the original mortgage holder has still not foreclosed on my home and this is keeping me from purchasing a new home. The home is at XXXX XXXX XXXX, XXXX, FL XXXX
Experian auto enrolled me to their membership and do not let me unsubscribe. They keep charging me XXXXmonth and there is no way to cancel the service. They are stealing money from me and I cant stop them from doing that since they have my credit card information.
I paid off said debt but my credit report still indicates that I currently still have a high balance due ; hence, it is affecting my credit debt percentage. The balance owed is inaccurate.
I have been disputing these inquiries since at least XX/XX/2017 I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to TransUnion they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
. I have sent to TransUnion their required information they requested to have the inquiries removed from my previous dispute, and still they are on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, 2017, XXXX XXXX XXXX, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Google Wallet wo n't transfer my balance ( {$1400.00} ) to my bank account, despite multiple verifications and transfer request forms. They claim to have suspended my account due to terms of service issues, but will have to at least release my funds, wo n't they? Multiple attempts to resolve it with customer service lead nowhere, each thread gives new and conflicting information. Telephone and chat service are disabled. Online research reveals that numerous people are in a similar situation which is surprising given Google 's otherwise great reputation.
I contacted Bank of America Recast group on XX/XX/XXXX at XXXX. I was told during 12 min conversation after looking up my mortgage that a recast package would automatically be sent out to me in XX/XX/XXXX because recast was only available after 5 years on modification loan. I called BOA on XX/XX/XXXX and spoke to my mortgage rep XXXX XXXX who didnt know anything about the package. He contacted recast group over a 2 week period and gave me different stories and admitted the stories he received from recast group contradicted one another and then provided me with a XXXX tracking # for the recast package that was bogus and going to XXXX XXXX on XX/XX/XXXX. ( XXXX ) He was supposed to update me but i had to keep calling in. Each time new story on why it was delayed being sent out. I called recast after Mr XXXX stopped responding and they changed stories several times. Then on XX/XX/XXXX Mr XXXX finally accepted a call thru his coworker from me and proceeded to start the contradicting stories from earlier. I just want official documentation for application for recast or denial WITH REASON for denial. I believe this is retaliation for lawsuit about modification and settlement documents. *********No paperwork has been sent regarding recast as of XX/XX/XXXX******
Transunion apparently gone to some credit model called XXXX. This model is not recognized in the industry and considerably reduces a persons credit score. Mine was reduced by over XXXX points on my FICO score. This causes a denial of credit when it otherwise would be granted. I have no negative records, a perfect payment record, and low credit inquiries yet with their score it puts me in a " POOR '' rating. This should not be allowed as it is not a fair and accurate representation of a persons credit worthiness.
On XXXX XXXX, XXXX, I picked up mail from an address from a location I had not used as a mailing address in 3 years. It was two pieces of uncertified US mail from Linebarger Goggan Blair & Sampson, LLP,  dated XXXX XXXX and XXXX XXXX, XXXX, claiming that someone with my first name and last name, but a similarly, but not correctly spelled middle name owes XXXX XXXX {$320.00} for an unnamed fee, charge, or fine. It goes on to inform me that " The Texas Legislature recently enacted laws that provide additional means by which such obligations may be collected, beyond the issuance of a warrant. To avoid any and all potential effects of the pending charge, timely payment is required. ". During my research, I have found many others, that have expressed similar issues from this firm. In addition, the case number, " XXXX '' turned up no results in either county records or a general XXXX search. In addition, many people have reported spam phone calls originating from the phone number the letter says to call ( XXXX ).
I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Rent Recovery Solutions, an invalid debt on my credit repot, was removed due to the inability to verify the debt was accurately mine on the week of the XXXX of XXXX. Upon checking my credit information on XXXX/XXXX/2016, I observed this item was put back on my reports. I did not receive any verification of why this item was placed back on my reports. Also, this item is shown TWICE on my XXXX for the same debt, only the account number was changed and the amount decreased by {$1.00}, which deems this act to be an unlawful practice in an effort to continuously put and keep this fraudulent account on my credit file.
Conns repeatedly called my cell phone number over a debt that should have been covered with insurance that I paid with them. They called my cell on a dialer without my permission and called me before XXXX all the time. They would call me over 10 times a day and agents would threaten legal action and curse at me. Please audit their accounts.
Several times in the past few weeks, I have been contacted by individuals from Transworld Incorporated, asking to speak with someone I do not know, presumably about a debt that he or she may owe. Each time, I have told them that no one with that name is at my phone number. Each time, I ask them to stop calling. At least twice, I have been told that my number will be " removed from the system. '' I hope they actually stop calling.
The two most recent calls were listed as coming from XXXX and XXXX.
I received a call from XXXX (?? ) XXXX XXXX saying that I am being served a civil suit for a overdraft from XXXX XXXX in XX/XX/XXXX. They said original balance for the debt was XXXX but I owe them over XXXX now. I have looked at my credit report to repair credit but XXXX was never on there and I havent gotten any calls besides this current call ( XX/XX/XXXX & XX/XX/XXXX ) saying I am being served.
I do not owe a single dollar to the creditor it claims but received the letter to send the payment out of blue from the debt collector. This may be a scam.
I called the company before XX/XX/XXXX to set up to payoff my loan of XXXX on XX/XX/XXXX. After I set this up, I was told that as a courtesy, I could skip the upcoming payment of XXXX that was scheduled on XX/XX/XXXX. I later changed my mind, and did not pay off the entire loan, so after they skipped the one payment on XX/XX/XXXX,, they told me my loan was '' delinquent ''. They did not explain that I would have to catch up that payment before I could put any other amount towards the principle of the loan. I requested that XXXX be put towards the principle with my payment on XX/XX/XXXX, and the agent on the phone accepted that payment amount. For the XX/XX/XXXX payment, they only charged the minimum to my account ( without adding the extra XXXX towards my principle ) stating that this was because I was in default. This is a way to get more interest on this already ridiculously expensive loan. I have done business with them several times before, but recently, they have changed their entire format, and have started doing things like this to get more interest from consumers.
Navient is refusing to work with me to lower my student loan interest rate on a permanent basis. They have refused to send me the terms of a 1 year program that lowers the rate by only 2 %. The Principle balance of my loan has more then doubled. I also believe they are outside the statute of limitations. Over the past 10 years they have called me multiple times sometimes more then XXXX times a day. They told me to move into a smaller house and do something to improve my situation. I have XXXX and work my hardest to pay for my loans - their reps belittle me and make me so upset I go home and cry. I can not take this anymore.
HiThis is regarding to a money transfer request done by me thru Remitly. 
The money did get transfer as promised and they are not ready to cancel the transaction and refund my money.Requesting to please help on this
Received mail-in credit card offer for 0 % APR on balance transfers. Applied via phone. After completing application process, agent informed me I was approved at a rate of 17.99 %. No way to cancel or close the account until I receive the card in the mail. Very frustrated I had to waste time on phone, and took points against my credit rating for applying for another account. Will obviously be closing this account as soon as card arrives in the mail.
I purchased a XXXX XXXX Watch at XXXX XXXX XXXX store in XX/XX/XXXX in XXXX for {$710.00}. The sales person sold it to me with the promise of a promotional-six months to pay with NO interest. I agreed and the credit card was approved for {$7000.00} ( with misspelled name XXXX ). I knew I would be out of town for the next month of XX/XX/XXXXso I PAID {$100.00} on the account on XX/XX/XXXX to ensure that I would have a reduced balance and no late fees or interest! The billing cycle did not acknowledge my " EARLY '' payment of {$100.00}, but wanted {$27.00}. So I paid the account in FULL by the END of XX/XX/XXXX ( or first week of XX/XX/XXXX ), but I refused to pay the LATE Fee that XXXX XXXX applied. How could I have been late when I PAID ( online ) {$100.00} in advance to ensure I would not be late? It is ridiculous and usury. I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid the balance of {$610.00}. They did not HONOR the agreement or their promotion. I believe the LATE fee is wrong and they refused to correct it. they told me that my EARLY payment was too early to be considered payment for XX/XX/XXXX, that is RIDICULOUS.  they are committing FRAUD.
Please know that I was not late on XXXX  XXXX XXXX I wonder why XXXX, Experian and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me