WillisBack/dataset-financial-user-claim huggingface dataset:
Based on the finding out of the equifax data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a credit one, milestone, and capital one card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered XXXX hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased life lock to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted equifax X/X/2017  please help me remove these inquiries from all CB please
I WAITED LITERALLY XXXX MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT XX/XX/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN  AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR XXXX MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN XXXX MINUTES OF MY PRECIOUS TIME AND DAY. I BILL XXXX, WILL TD BANK OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING TD BANK DUE TO ITS RUDE CUSTOMER SERVICE REPS THAT NEED TO BE EITHER RE-TRAINED/TERMINATED FROM EMPLOYMENT? I AM NOT A DOG AND I DON'T NEED TO BE XXXX TRAINED OR BEHAVIOR-MODIFIED BY THESE UNFRIENDLY AND RUDE CUSTOMER SERVICE REPS.
Early Warning Systems does not have a FREEZE option available to freeze my information being shared to a financial institution. They are a consumer reporting agency, I think they should be required to have the Freeze option.
Capital One Bank 's Claim Department denied to credit my money that has been taken from fraud transactions in amount of {$900.00}.
The invoice was paid to the billing department at the medical facility on time. This is not a debit and there is no reason the debit collector should be contacting me. I sent a Certified letter to the collector with a copy of the invoice and a dated payment conformation. A cease and desist was included in the letter, the letter was sent on XX/XX/XXXX, on XX/XX/XXXX Universal Collection Systems contacted me via phone using an automated system violating the cease and desist demand. I now consider this harassment and will press charges upon a second violation.
Hello, My name is XXXX XXXX. I am writing you because i reach out to trans union about being an victim of the inquires issues. They told me they will not remove the inquires off my credit. I asked to speak to an supervisor. I was hung up on twice and they told me they will not remove the items. I explained to them that I will reach out to Consumer Finance website and do an complaint. I was told OK that is fine i am not able to do anything. I spoke with three different representative who was not willing to help me. I was told this will sit on my credit for two years. I am not happy with this. I am in the process of buying an house and i do not need anything affecting my credit that i did not apply for. 
I am going to do an list of the inquires for you. 
1. XXXX XX/XX/XXXX i did not apply for this or recognize this. 
2. XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13 XXXX  XXXXXX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX
After not being able to get free credit report because the sight was down I was able to get my report by paying for it. Experian is making it very difficult to get report with out paying for it. I paid for a report because after XXXX dispute letters sent via certified mail they only responded 1 time and the accounts came back verified. They never reinvestigated or provided verification or method of verification despite several written and received requests. There are no account numbers on the report : The report has no number but it was pulled and printed XX/XX/XXXX These are wrong These accounts need to be deleted : XXXX XXXX XXXX accounts???? delete all of them XXXX XXXX XXXX accounts?? delete XXXX
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert fro my credit profile
I've contacted XXXX in regards to three hard inquires that were pulled by a company called XXXX XXXX the company did their investigation and found out that it was not accurate information it was not factual information nor did the company have my permission nor did they have my consent to pull my credit. I am a credit fraud victim I have a security alert and freeze on all 3 bureaus. A few months ago I asked XXXX to remove the three inquires on my account they did their investigation and in XXXX they found out that they were supposed to be removed. The company never notified Equifax XXXX  and XXXX. I have since then contacted them with updates in regards to why they have not removed this on all three credit bureaus this is not a factual report this will not stay on my credit for 2 years, this has damaged my credit by 15 points 5 / points per pull I am now legally requesting  that XXXX has the hard and choirs all three removed within 30 days or I will seek legal action in a court of law, XXXX has a very poor customer service and extremely rude customer service they refused to help me and they have refused to remove all three credit inquires from my account they claimed that they are reopening another investigation on to see why they were not removed since then I have contacted all three credit bureaus and every single one said they were not contacted with an electronic message for deletion XXXX also refuses to show me a copy of proof of deletion they failed to give me any type of proof that it was removed that they are removing it and it has been requested to be removed I've asked 3 times for copies for proof of deletion so this way I can send the credit bureau a actual copy however the company refuses to give me this information as of today they have 30 days to remove all three Harden choirs that were already investigated and I was found innocent and they were wrongful credit inquiry pulls should all three inquires not be removed within 30 days I XXXX and will seek Financial reimbursement and legal repercussions for failing and refusing to delete all three records that are not factual I will wait 30 days as of today
I was emailed a marketing message from Citibank stating that I may be eligible for a credit limit increase and that " a credit bureau inquiry is not required ''. I followed the steps and applied for a credit limit increase but Citibank still pulled my credit report and created an inquiry on all XXXX bureaus anyway. I have since contacted Citibank to try to rectify the issue but they have told me that they will not remove the inquiry because " their message must have told me that they would be pulling my credit '' even though I have proof that it says the opposite. I believe this clearly represents a XXXX violation as they deceived me by stating that my credit would not be affected and it subsequently was.
XXXX hired Financial Asset Management Systems to collect on my student loan. Financial Asset Management Systems ( " FAMS '' ) is engaging in deceptive debt collection practices. I had setup an automatic payment using FAMS ' own online payment system for XXXX 2016. For some unknown reason FAMS cancelled the automatic online payment for XXXX 2016, which made me allegedly late for my monthly payment. I have attached a screenshot of FAMS own online payment system. I went back and checked FAMS online system on XXXX XXXX, 2016 and noticed that XXXX had cancelled the payment and I made the payment on XXXX XXXX, 2016. The attached screenshot shows the cancellation from XXXX. To top it off, XXXX is trying to modify my credit report as a result of FAMS ' illegal debt collection tactics because XXXX is no longer reporting the payment arrangement to my credit report ( {$250.00} per month, 0.001 % ) with any of the credit reporting agencies which I 'm assuming is a result of FAMS ' action of canceling my monthly payment for no reason. There is no reason FAMS should have cancelled the monthly payment. FAMS is engaging in flagrant violations of the Fair Debt Collection Practices Act.
I have recently been informed that there is negative information reported by Portfolio Recovery. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$780.00}. This account was removed previously from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) I I challenge the accuracy, compliance and reportability of this listing. Portfolio Recovery has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Thanks to my complaint to consumer finance, BOA ( who sold my mortgage to FHA and got compensation ) felt obligated to " help '' by instructing the loan servicer ( XXXX XXXX XXXX XXXX ) to review my case. After sending the usual paperwork and package requested by " XXXX '' I was told over the phone that my loan mod request was denied unless I fork over {$56000.00} to the bank. I just do n't have that kind of money. So I asked that a denial letter be sent to me or my attorney. I 've received everything from " XXXX '' but the denial letter. In fact I just received another letter from " XXXX '' offering help AGAIN. The new offer came with a notice from the court informing me that my house will be auctioned in a few days. Nice strategy from BOA and XXXX XXXX XXXX, but I am still waiting for the denial letter. I wonder why I still do n't receive it ... I guess it got stuck in traffic. Helping me keep my house is not in the bank interest. It 's more profitable to sell the property. These guys were bailed out by the government. They should return the same favor to desperate homeowners. I am not asking for a free house.I have a steady job. All I asked is an affordable payment plan. But it 's impossible for BOA and XXXX XXXX XXXX to provide such help. BECAUSE I COULD NOT COME UP WITH {$56000.00}.
Filed bankruptcy with XXXX XXXX  in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX  .... loan is current but still not being reported to any credit bureaus.
A short while before XXXX XXXX on Tuesday, XX/XX/2018, I went to USBank in  XXXX XXXX, Ohio, - with whom I have been a customer in good standing for many years. I had the intention of depositing a check from XXXX in the amount of {$54000.00} payable to me. I approached teller XXXX XXXX, showed her the check, informed her of my account number, and inquired about the availability of the funds. She was clueless. She had no idea. She said that she would get the manager. But, she came back without the manager. All of a sudden another teller XXXX XXXX, without being asked, barged into the conversation. She came over to me and rudely and arrogantly told me that I had no right to ask about the availability of funds. I demanded to know, but instead I was given a receipt for the check ( I did not fill out a deposit slip ) - which I had not yet authorized to be deposited - and was handed a notice of hold - still without having been informed of the funds availability. It is wrong, and against public policy, for USBANK to 1 )  not train its tellers about funds availability 2 ) have its employees act rudely and arrogantly 3 ) tell customers that that they have no right to ask about funds availability 4 ) deposit a customer 's check without authorization and before answering a customer 's question 5 ) not make available {$600.00} per federal regulations 6 ) hold the bulk of the money WITHOUT INTEREST for far longer than most banks, many of which make the funds available the next day and at maximum five days. 7 ) deceive the public by lying in its written policy that funds will be available NO LATER than seven business days, when in fact, holding funds seven business days is its standard policy. When banks receive deposited funds in most cases the next business day, it is time for the federal government to issue regulations limiting holds in all but suspicious instances, to much fewer days, such as one or two business days. The GREED and ANTI-CUSTOMER BEHAVIOR OF US BANK motivates me to now start looking to do business with a local community bank or a credit union, and, when appropriate, close my account at USBANK - another good customer to be lost AND no more free use of my money by a hostile, anti-consumer big bank.
Opened a loan with Bank of America in XX/XX/XXXX. Made my final payment in XX/XX/XXXX, the home was foreclosed on in XX/XX/XXXX. 

Why is this still showing negatively on my credit report in XX/XX/XXXX? 
Real Estate XXXX XXXX scheduled payment : {$2400.00} High Balance {$320000.00} Opened : XX/XX/XXXX Bank Of America Creditor Address : XXXX FL XXXX XXXX Fl XXXX Phone : XXXX I would like this removed. THANK YOU.
I have recently apply for a mortgage and I was informed that there is negative or derogatory account reference ERC. I Received a phone Call from ERC for a debt they calm i owe for my XXXX account. I wrote a written request for validation with my signature for this account and not succeeded in respond from them and still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus. I request for validation with my signature or timely remove the their record from my credit report.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
I paid 6 companies to get me an affordable loan mod with ocwen. I finally fired them all and applied myself.the amlut ocwen came back with was XXXX more a month than I have and was more than any other refused offer. I ca'n't pay but XXXX with my bills and I showed that ad now I had to finance ad ac unit and XXXX Ocwen had a forclosrue hearig till I reapplied with all paperwork but they offered me XXXX more than they know I can pay and more than the house is worth. they know I am XXXX and co n't want to move. They lost the note to my house and made up documets that were untrue. they are being prejudicial to me.
American Express Collections ( XXXX ) called me attempting to reach my mother in law about a debt. I have never had any debts with her, and the number they called is my business cell phone. I do n't use it for personal matters. They were rude and kept insisting I give them her phone number.
MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and Experian Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
I am filing a complaint against Bank of America for their dishonest, unprofessional practices on a reversal payment to my checking and debit account I am very dissatisfied with BofA. On XX/XX/XXXXI had a reversal payment in the amount of {$270.00} from XXXX XXXX XXXX due to a glitch in their system, I have been assured by XXXX XXXX XXXX supervisors that the money was reversed back to my account on XX/XX/XXXXand it would take two business day to reflect back to my account. I have been calling BofA to find out about my refund they did not have a clue XXXX XXXX XXXX had assured me it would take two business days to reflect on my BofA account which it would have beenXX/XX/XXXX. On XXXX I call XXXX XXXX XXXX and connect Bank of America and we had a conference call with supervisor XXXX from BofA XXXX XXXX XXXX assured him the funds had been reversed the same day ofXX/XX/XXXX Bank of America supervisor could not explain why the funds had not been put back into my account he informs me the funds could be available on Monday, XX/XX/XXXX well today is Tuesday XX/XX/XXXX, and no funds have been released to my account. I call BofA and spoke to XXXX very rude, I requested a supervisor and I got XXXX he did not have a clue why my funds were not put back into my account. I call XXXX XXXX XXXX and had XXXX on the line and connected once again BofA and spoke to XXXX we had a conference call she also tried to figure out what was happening with my refund since I had XXXX XXXX XXXX on the line and they assured XXXX the funds had been reveres on XX/XX/XXXX, she could not figure out why my funds were not available.I have to continue to wait for my {$270.00} funds.
On XX/XX/XXXX i attempted to use my paypal credit account to pay for a subscription to the online tutor service XXXX.
Paypal neglected to disclose that some merchants, including course hero, may accept paypal, but not paypal credit.
Subsequently, i was charged XXXX to my paypal account. Had I been aware that XXXX did not accept Paypal credit, I would never have made this purchase. I called Paypal seeking rectification and / or dispute on three occasions throughout XX/XX/XXXX. Each time I was put on hold for upwards of 15 minutes before reaching anyone, each time I was " assisted '' by an individual who spoke too quickly or barely understood English at all, and in the third attempt I was placed on hold " while the agent looked into reversing the charge '', whereupon I was unceremoniously hung up on by said agent.
I have sent emails to paypal through their customer service section no less than six times. The first was a formal dispute of the charge, which paypal refused with no explanation other than " your request does not fit our description of a dispute ''.
The remaining 5 were increasingly-angrily-phrased demands for them to take responsibility for their failings, and ultimately to terminate my account with no further moneys taken from me.
Paypal 's responses to me consisted of an automated " we will contact you in 24 hours '' email ( which they have yet to follow up on three days later ), and a mailed notice stating I had been turned over to a collection agency.
Paypal also committed a violation of the truth in lending act when they decided to forgo completing a purchase I attempted through my Paypal credit account in favor of charging late fees and finance fees to my account. I attempted a purchase when there was more than enough available funds on the account, XXXX XX/XX/XXXX ; Paypal did n't even bother processing it, seeming content to twiddle their proverbial thumbs and then slap XXXX of fees onto my account on XX/XX/XXXX, which they then proceeded to refuse to reverse despite admitting fault for mishandling my transaction.
All attempts at remediation and / or contact with paypal have failed ; their phone systems are a robot-ridden maze of uselessness and their email systems are laughably automated. It 's a wonder anyone has ever gotten through to them at all.
XX/XX/XXXX my Equifax report was wiped clean. a glitch in their system removed everything and was later reinserted. They did not provide me with a 5 day notice it was reinserted on my report. And I know that 's they 're supposed to do this before reinserting anything! I want everything that is negative to be removed from my report! I am giving y'all 15 days to get this handled! I have proof that everything was deleted! I will be adding that to my complaint! I also contacted the. About it and they said I had no file just only three accounts that were readded. And they do record phone calls.
I visited the XXXX XXXX XXXX website over a month ago to get an interest statement. I also learned that my payment amount was increasing. While on the website I went to the manage repayment section to see about getting assistance or learn why the amount had increased. I contacted the office and they explained that due to a program I was on it has now expired that my payment increased. Not sure what program that was, they would never say. I asked how to lower the payment back down and they stated they would research. I received an email that my case was still under research a month later. I still have not heard back from the servicer regarding my request. Because I had not heard back regarding the amount, I checked my account to see what was charged and I noticed that XXXX payment had not cleared my account ( this payment is on auto debit and has been for years ). Today I check my account and learned that the servicer has debited my account {$480.00} without any notice to me of doing so causing my account to be overdrawn. I still have yet to hear from them regarding the payment amount increase. I tried calling their office today but learned that they are temporally closed through the automated system. I consider this transaction to be unfair. Im trying to get assistance to lower and not only am I double charged for their error, I have a much higher amount. If they were going to debit my account in that amount I should have been made aware of the charges. I dont have that amount of money to pay at one time for a loan that doesnt even pay down the principal!!! I want one of the payments refunded. I agreed for the monthly amount to debit on a certain date. It was their error for it not to debit. I also would like to know where that status of my request for lowering the payment stands.
A account was opend on XXXX XXXX 2000 For the amount of {$770.00} with XXXX.that I 'm not familiar with # XXXX Represenetives could not give me any information about account only a different name tgat is not my name. 
And also account is older and greater the. 10 years. 
Witch I asked them to remove this account from my creditreport for that reason as well.