WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, I believe on behalf of XXXX Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX Mortgage currently holds the mortgage on my house, the mortgage was XXXX in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
I am a victim of identity theft. My information was stolen and used from my XXXX address while I was living in XXXX, XXXX. I have repeatedly tried to get this off my credit report. XXXX Statie of Limitation debt credit reporting is 6 years and its been reporting for 5 fraudulently, so i dont understand why they wont comply and take it off my credit report. Automotive credit Corp, auto opened XX/XX/2013, balance {$12000.00}. I filed a police report years ago
I have a late reported on my credit report. This is for a property I own that was in escrow. Had the escrow closed as planned, there would have been no late issue. What happened is that the buyer, literally at the last moment, at the closing, decided to back out of the transaction. I had taken the property off of auto-pay knowing that the mortgage balance would be paid in full when escrow closed. In the days that followed, as I was trying to find out why the buyer had backed out, I forget to put the mortgage back into auto pay mode. I was surprised when I received the late notice and called the bank. I spoke with their customer service department. I told them I was surprised by the late payment. They looked at the file and said 'this was in escrow, correct? ' It dawned on me then what had happened and when I asked for some consideration, noting that I had never been late before, the customer service person was very dismissive of my request saying something like " no, you were late and that's just the way it goes. '' Yes, it was in fact late, but given the circumstances, which the bank knew about, I do think they could have exercised some discretion rather than damaging my credit score.
Nelnet is reporting me as 120 delinquent when I was not in repayment, and forwarded a payment history which proves their error. The attached email from Nelnet proves that my application was submitted eventhough it does not show on their history. I was not required to make payments at that time ( so had no payments to continue ) and was subsequently approved for an income contingent plan. I should never have been reported 120 days late. That rating is devasating my credit, and must be corrected immediately..
Contacted in 2013 by XXXX XXXX that Bank of American placed me in their system because they suspected a fraud, which I am not aware of. I contacted the Bank for clarification, which indicated, I am not owning the Bank. I was assured that the alert will be deleted. I write different letters back and forth to the bank, but all to no avail. Ever since then, I was able to open an account with 2 banks, with no issues. Now the problem is that I have a family and unable to get a job because this fraud keeps coming up anytime they do a background check.
I received a letter from Caliber Home Loans ( current mortgage company ) regarding the opportunity to refinance and lower payments, get cash for home repairs, etc. We need some kitchen updates, so I called and spoke with XXXX XXXX just to inquire and see if it would be beneficial. Just wanted to see what the cost would be and get an estimate. She said she would need to do a credit check to get numbers for me. She verbally gave me a couple of options and then said she would send something in writing. Next, she sent a loan application requesting electronic approvals from me and my husband. It had incorrect numbers, including initial loan amount and other incorrect info. After looking at the figures, I decided it was n't a good time to move forward. I replied to the email she sent with the application and told her that we were not ready to move forward at this time. I 'm certain she read my email. In a couple of weeks I received a letter asking for some clarification on some items on my credit report. Since I had told her we were not moving forward, I ignored it. Then last week, I received a statement from Caliber saying that they had reviewed our application and did not approve it. Imagine my shock that XXXX XXXX had apparently sent the application through without the approval, knowledge or consent of me or my husband! Perhaps she has a quota or is compensated for processing loans. I called the company toll free number XXXX and left XXXX messages asking someone to call regarding this and left my cell number. No one ever returned my call. My biggest concern is that this will go on my credit report that I was turned down for a loan that I never applied for.
I received a phone call around XXXX XXXX  a couple of months ago regarding my ex-husband 's wife 's mortgage account with Carrington Mortgage. Informed the company of the situation and they said they would take my name and number off the list. Called Carrington Mortgage the next day and they said that I would have to talk to my ex-husband to have my phone number removed. Spoke to a supervisor and a very heated discussion and informed him that I had been divorced for 17 years and did not sign any paperwork on this mortgage and finally he agreed to remove my information. Last night XX/XX/2018 at XXXX received another call asking for her and informed them of the same information and the person hung up on me. Contacted my ex-husband and told him this need to stop and he said he would contact them on XX/XX/2018. He is not sure how they are getting my contact information. If you call the number back that is contacting me, it says that there is an account associated with my phone number and to enter the last four of the social security number. This is a mortgage on her family home that they purchased from her parents after they were married. I have nothing to do with this mortgage or signed any papers.
I received a voicemail on XX/XX/XXXX. When I called the number back a gentleman who was very helpful answered, explained it was a medical debt and that they sent a statement on XX/XX/XXXX. I said once I received it I would verify it against my payments. I received another call today from a lady ( who insisted I called her, I believe it was a robo-call the call came in at XXXX on XX/XX/XXXX ). When I first answered the call it stating to stay on hold for a rep so I did. She picked up and just asked for my name and phone number. I did give her a first name and phone number. I asked what this was regarding and she said without your information I ca n't tell you. I asked her to understand how receiving a call and then being asked for your information may seem weird. At this point she did have my phone number and first name she could have at least stated it was a debt. Instead of working with me she just hung up. In order to determine what it was for and refer it to the first message I had to google search the number. Now it is XX/XX/XXXX, about half way through ( if not more depending on when they started the action ) for my 30 day appeal or pay and I still have not received a statement to either prove payment or make the payment.
I have had a few of my student loan collectors call numerous times a day. Is there a way to stop this. I see no reason why they ca n't call just XXXX time per day and leave XXXX message. I am told that it does this because the calls are on an automated system. Most of these loans are for financing my schooling with University XXXX XXXX.
I am writing a serious complaint against Citibank, I had been banking with them about four years and my accounts have always been positive and properly funded. I noticed about three weeks ago the bank started making unauthorized bank credits and debits on my account. That now have my checking account seriously delinquent. When my account is definitely suppose to be positive. The bank has acknowledged these errors and as you can see on the banking printout they reimbursed XXXX {$10.00} transfer fees and XXXX NSF fee. I went to the bank about these errors the banking representative XXXX XXXX XXXX stated that these are the worse banking errors he has ever seen. It 's like the bank just went in my account and went crazy removing my money. No one at Citibank has been able to explain why so many banking errors on my account. I am hereby requesting that a complete audit be done on my Savings and Checking and my account be bought back positive. These banking errors have ruin me financially. I had to immediately close all my accounts. My government direct deposit had been going their for years, so now I am left without a paycheck until this is resolved. I ca n't pay my mortgage, utility bills, credit bills or nothing. This has ruin me. I do n't know why the bank did this to me. It 's like they deliberately sabotage my account. Please help me resolve this. The bank has been very unsympathetic. Now my account is overdrawn over {$4000.00} after getting a {$2300.00} direct deposit. That the bank has kept and refused to give me.
1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) XXXX Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) Experian Credit Reporting wrong information on Delinquent, and recent credit inquiries
I have had a Capital One Account for at least 5 years. They gave me a {$1500.00} credit increase in 2015. I have always made my payments on time and never late, but in XXXX of 2015, I fell on my way to work for the XXXX in XXXX and XXXX. I was laid up for 4 months with no work. I unable to get workman 's comp because the injury happened before I arrived at work. I was able to get state XXXX but not enough to pay bill and rent. My only resource at the time was to use my Capital One Credit Card to survive and pay rent. {$500.00} in XXXX co-pays otherwise it would have gone to collection. I have ask Capital One to work with me to lower my Interest rate, but they have refused and just keep charging me interest every month so I will not be able to break even with this account in many years. Because of my high balance, my bank will not give me a consolidation loan to pay Capital One off and I ca n't get a credit card with lower interest rate. I do not want to loose this account because it will affect my credit and I have worked hard to bring my score up over the last two years. I am only {$2600.00} in Credit Card debt. I have to be at least XXXX before I can get any help. Please advise me what to do. I have this hanging over my head. I am back to work, but I am XXXX living on XXXX and XXXX retirement only. Thank you
XXXX, XXXX, XXXX have been trying to make additional loan payments to principal since XXXX 2014. Navient has continually made processing errors ( including not making payments recurring as directed and promised and not making payments in the proper amount ) and providing incorrect information regarding manually making additional payments. This has resulted in a continual halt on progress in paying down my student loans, which the company takes no responsibility for. The representatives will apologize for previous errors, but will not take actions to retroactively correct them ; although they promise to " personally monitor '' future payments, I never receive the in-writing confirmation that they promise. I have also requested documentation including my XXXX and loan disclosures be sent, which I 'm told has a XXXX day delivery window via USPS. To date, I have not received these documents and have just made another request for them today. 

Most recently, I was advised that if my billing due date is on a weekend, I should schedule an additional principal payment for the first business day following as their online system does not allow scheduling payments on a Saturday or Sunday. Following the representative 's instruction resulted in two days of accrued interest taken out of my additional payment ( due date Saturday XXXX. payment scheduled for Monday XXXX ). The supervisor I spoke with today sent in a request that my payment be made effective on XXXX as I was given faulty information, but can not guarantee that any action will be taken. I was advised instead to schedule additional payments on the Friday before any weekend due date, although this may still result in accrued interest charges. 

Each time I have to call Navient I can count on at least 45 minutes to an hour or more of my life wasted. Navient engages in shady business practices that not only waste my time and money, but also appear to be illegal ( if not absolutely immoral ). I have no recourse other than to continue wasting my time and energy with a customer service department that is inept, uninformed and makes " promises '' and " guarantees '' that they do not keep. 

I have a record of most of my calls since XXXX 2014, including names and promises made.
At XXXX, on the date of XXXX/XXXX/2016, My wife, made a deposit to our business account through an ATM at Suntrust Bank in XXXX XXXX Florida. ATM ID XXXX. After depositing the checks into the ATM and submitting the deposit, she was returned an error receipt stating that we should contact customer service. Important to note that the checks entered into the ATM were not returned and were held inside the ATM. At the moment I was informed that night, I made a call to the support center and was assured that the deposit would be in the account the following day. I went about making regular purchases for my business and was greeted by a horde of overdraft charges. The money never was deposited into the account. After calling many representatives, I was granted a temporary provisional credit of the money deposited and the fees were waved. After three months, my provisional credit was removed, unannounced, and the account fell back into a negative balance. Support claims ATM was audited and checks were not located. Also stated that the ATM adjusters were internal and I am not allowed to speak to them, if I have an issue with their judgement, to appeal. I am certain that this information is not true and correct. I doubt the institution even bothered to check. ATM has a camera and would have seen my wife making the deposit in her vehicle at that time. I am refusing to pay any fees or the value of missing funds to to Suntrust 's negligence and poor customer care.
The California Business Bereau has took a negligent billing error by the hospital and ruins my life. I have proof I was under medical coverage during my time of care. For two days they XXXX me with XXXX and let me run out the street by myself XXXX XXXX. They then billed me directly instead of my insurance. Two weeks later my coverage was over. Even since the The CBB has taken this to court, harassed me at work, home, laughed at me when I said I was homeless with no job ... .Which is true ... And placed a levy on my bank account with less than 1000 to my name. I feel like they want o destroy me or no reason. I need help please.
I
moved from XXXX to XXXX, MO. On that move the mover damaged antiques and furniture. I asked Discover credit cards to dispute the charge and of course they denied my request. I recently bought furniture and it up my credit that I owed. Not out of line at all. I made my displeasure with their determination known and I did NOT AGREE with the outcome.
I checked my credit score and because they said I agreed with the dispute XXXX XXXX and XXXX  lowered my score. The lied to XXXX credit bureaus about my feelings on their determination and that if not illegal, certainly should be.
I want Discover to change their lies on my credit report immediately. I sent Discover an email about my dispute and displeasure with their decision and they lied about my feelings on this because simply, they wanted the money and sided with a corrupt furniture mover who has damaged antiques and furniture for many people. So as I see they are as corrupt as the movers. I WANT THE TRUTH ON MY CREDIT REPORT IMMEDIATELY.
I AM SICK OF THESE CORRUPT COMPANIES GETTING AWAY WITH RUINING PEOPLES CREDIT BECAUSE THEY CAN. AND I WILL GET MY ATTORNEY INVOLVED BECAUSE THIS IS A BOLD FACE LIE ON MY CREDIT REPORT. I WANT IT RESOLVED TO THE TRUTH, IF THAT EVEN MATTERS ANYMORE IN THIS COUNTRY AND FROM THE LOOKS OF OUR PRESIDENT, MY GUESS IS ITS A NEW LOW IN OUR COUNTRY. AND APPARENTLY YOUR IN BED WITH THEM AS WELL AS I HAVE NOT SEEN YOU HELP ONE INDIVIDUAL.
The so called Yorkshire Acquisition group have contact people unrelated to me to discuss a past debt without consent. They have also contacted my employer with unethical tactics and threats of subpoena my case. They threatened my employer, an school principal of serve me during my working hours at school. This company have never sent me a proper documentation to collect this so called debt. Not even after I kindly requested them for an unofficial document explaining the case. All the sent me was a email, and they kept on calling my family and relatives with threats. They wanted me to pay over the phone ; which I refused to do.
The lender placed the file in review and did not postpone sale for this review - the lender is in violation of Dual Tracking. The lender also is not allowing the time in which the client has to appeal the decision on the review for loss mitt. The loan was denied on XX/XX/2017 due to not being able to get the pmt to 31 % and it was stated that the LTV was to low to modify the loan - The lender should offer additional options. The property is value is higher than the current loan balance and the lender has not provided how they calculated the LTV - the lender is also in violation of RESPA - We are asserting a violation of the dual tracking provisions of Regulation X sections 1024.41 ( f ), 1024.41 ( g ), or 1024.41 ( j ). We were told today that the sale is still set b/c the lender has " completed review and is now issuing a denial '' - to which we still have no valid reason for nor have our clients been granted an appeal period. The borrower does not yet even have a letter stating such reason for notification of denial. RESPA : ( 2 ) Deadlines. A servicer shall permit a borrower to make an appeal within 14 days after the servicer provides the offer of a loss mitigation option to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section. ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Sale date they ( did not postpone during review ) - dual tracking, is less than 14 days away ( appeal period )
Experian reports a closed, unknown account XXXX XXXX based from XXXX as a charge-off every month ; effectively re-aging the account as new, every month. I live in XXXX. I disputed the accuracy of the XXXX wireless account and it still is reported charge off every month!
I have couple of Inquiries which i never recognized 1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2.  XXXX XXXX XXXX on XX/XX/XXXX i never asked them to do any Inquiry, requested them to remove it but they never listen to me. Also i never took any loan from them. 
3. XXXX XXXX XXXX on XX/XX/XXXX, i never asked them to do any Inquiry, requested them to remove the inquiry but they never listen to me. Also i never took any car loan from them. 

4. XXXX on XX/XX/XXXX 5. XXXX ( XXXX XXXX ) on XX/XX/XXXX 6. XXXX ( XXXX XXXX ) on XX/XX/XXXX 7. XXXX ( XXXX XXXX ) on XX/XX/XXXX
On XXXX XXXX, 2016 I placed a security freeze with Equifax, XXXX and XXXX. After the security freeze Equifax sent me a confirmation letter with the required PIN number. When I was trying to apply for a credit card and called them to lift it, they told me that there was no security freeze on my account, and that the name on the account was not my legal name. Given that my information was already compromised by a stolen wallet and on-going criminal investigation for financial identity theft I contacted them to change the legal name and place an additional security freeze. They requested a copy of my driver 's license and social security card which I faxed over. After about 2 weeks I received a confirmation that stated the name change was complete, but the changed name was incorrect and thus did not reflect the name provided on the documents. Moreover, on the same date I placed an initial fraud alert, and got a letter confirming it, they also later denied the placement of the fraud alert even though it is visible in the other credit bureaus and I received a confirmation letter. They still have n't gotten back to me about the additional security freeze and fraud alert and whether my information was accessible during the time in which I thought I had a security freeze. By providing the police reports I was able to place an extended 7 year fraud alert with XXXX and XXXX, but there still is no confirmation letter from Equifax. They are unhelpful about providing me information unless I buy their products, and when I try to I ca n't buy it. So far none of these issues have been resolved.
On XX/XX/XXXX, I submitted a dispute to Equifax regarding XXXX XXXX XXXX ( ACCT # XXXX ) and originally requested that the debt be validated. There response was received after 30 days on XX/XX/XXXX stating " This creditor has verified to OUR company that the balance is being reported correctly ''. I submitted my dispute online after receiving this as requested another investigation disputing the date of the first delinquency. On XX/XX/XXXX, after my own investigation with XXXX XXXX XXXX, and the City of XXXX where the home was purchased, I informed Equifax that XXXX under the Fair Credit Reporting act misrepresented the debt owed as my last payment to XXXX XXXX XXXX was XX/XX/XXXX and my first delinquency was in XX/XX/XXXX. The debt was never brought current or paid on after XX/XX/XXXX to XXXX XXXX XXXX or any creditor. According to the Fair Debt Collection Practices act ( [ 15 USC 1692e ] ; 807 ) XXXX XXXX XXXX can not legally make false representation of " the character, amount, or legal status of any debt ''. They are in violation of this act 1 ) the statue of limitation is in Virginia is 5 years from the date of the first delinquency ; and 2 ) they continue to inaccurately report the first delinquency date so they can continue to continue report it on my file and try to collect on the zombie debt. In addition, the original creditor ( XXXX XXXX XXXX ) shows that the first date of delinquency was XX/XX/XXXX on my Equifax credit report. I have tried XXXX via online and writing to request that Equifax report this information to no avail. I have also being writing to XXXX XXXX XXXX via telephone and by mail about the debt since discovering it on my report in XX/XX/XXXX. They have responded to my correspondence and phone call with " we received your request and our research department is looking into your inquiry. Equifax is violating the Fair Credit Reporting act as is XXXX XXXX XXXX and XXXX XXXX XXXX is violation the Fair Debt Collection Practices act.