WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a copy of my Transunion credit report. The credit report showed a hard credit inquiry by XXXX for XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, & XXXX XXXX that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I called XXXX and spoke to a Supervisor named XXXX # XXXX. She informed me that the issue was going to be addressed and resolved. Unfortunately the mentioned hard inquiries are still appearing on my credit report. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have removed the hard inquiry. If you find that I am mistaken, and I did provide authorization to inquire into my credit report, then please provide me proof of such authorized inquiries.
I recently checked my credit report after not checking it for years and i noticed a collection for a phone bill that I know I didnt have. I contacted  XXXX  and I was unable to get any information from them. The collection is as follows ;  XXXX  ERC  Original Creditor-   XXXX  Date Opened-  XXXX   XXXX ,  2014 Bala nce- {$170.00}
in XX/XX/XXXX i reached out to td bank, because they were offering a 3 perecent interest on a seven year arm. The mortgage approval was a horror, they needed me to pay a fine from a previous owner with XXXX. I paid {$1500.00}, and then later found out it was not my responsibility. The mortgage was processed in south carolina, and at every turn i had to explain that the workup was not adding correctly. eventually i got the mortgage done. Then to my amazement, they tell me i can not manage my mortgage online the way most mortgages are managed. The only way to make principle only payments is to walk into a branch office. Each time i have to fill out a withdrawal slip and sign it? well on XX/XX/XXXX- i pulled XXXX from my checking to make a principle only payment. to my disbelief, they posted the XXXX as a suspense entry-it shows up in the history, and does not reduce my mortgage balance. I mean i have called and emailed them, they just do not respond. they made a mistake anerror, and six business days later they have not fixed their error. i have never wanted to pay a mortgage off so badly. Imagine if i did n't check my account regularly, they are technically stealing my money.
I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!
I entered into a repayment plan with The uS Dept of education for loan repayment. As promised by the US Dept of education if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! uS dept of education has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the Loan Rehabilitation program. I paid every month on time as agreed.
Equifax is reporting incorrect information for my XXXX is different than all other credit reporting agencys they are also not reporting the cards that I am authorized to use please report!
I am disputing the companyXX/XX/XXXXfor opening up and closing an account in my name without my consent, the card was opened XX/XX/XXXX and shortly closed after. In doing so they have caused damage to my credit report.
I concern with the Inquiries on my credit report. I did n't authorize these listed that I sent back in to Experian to investigate how they got their. I did n't give my consent verbally, written, or electronically to pull my credit report.
My name is XXXX XXXX XXXX. My husband and I are expecting to incurred additional expenditures in XX/XX/XXXX so we paid our mortgage bill in two equal installment one was on XXXX XXXX, 2015 in the amount of {$1400.00} and another one was on XXXX XXXX, 2015. I personally called the company on various occasions which is prior to XXXX XXXX, 2015 ( to avoid late fees ) to inform them that those two payments should be applied to our XX/XX/XXXX loan payments. They did not process the payments as I instructed them to do so now XXXX wanted me to pay them {$1400.00} more plus late fees. I do not have that much funds to pay them since I already paid them the full month. I am under XXXX right now and we are trying to pay all our bills on time. Their loan care specialist by the name of XXXX is even rude and so is their supervisor by the name of XXXX XXXX who supposed to help customers not put them in trouble. I asked for their superior who could make decisions and they refused to give their names to me. I could have sent them e-mails but I have no where to go but to file it to your website.
Received a phone call today on XXXX XXXX XXXX. This company called XXXX XXXX XXXX, offered a consolidation of my loans. The called originated from New York. They were trying to solicit FSA ID which I did not give. Also try asked for my name, amount of debt, and zipcode which I gave. They later transferred me to another individual and claim to be affiliated with the Department of Education. Once I was transferred the call abrupt ended and the caller end the phone call.
I received a modification with Chase Mortgage and informed that upon completion of the modification Chase Mortgage would update my information to reflect up to date and no payments late. this will enable me to refinance my home, I have requested they correct the information at my credit to reflect the agreement however they have not complied with my request.
I figured I fixed the problem, I got this loan in 2014, and Im getting text message from a attorney XXXX XXXX stating that if I dont pay this loan back I will be arrested or go to court if I didnt pay {$1300.00} or go to court and pay {$17000.00}. But here is catch I can pay them an settlement of {$890.00}, now this text message I received was XX/XX/2018 at XXXX. I have to contact this lawyer at this number ( XXXX ) XXXX, but the text message came from ( XXXX ) XXXX. Thank you
I had account with wells Fargo XX/XX/XXXX to XX/XX/XXXX. I was charged ridiculous amounts for atm fees. And nsf fees when money was in bank. Then I was harrassed by phone calls from them for the end fees even money was there. All in all roughly over XXXX lost from them I got the point where I just changed banks. There people were rude and in pleasant. I do n't want free credit monitoring. I just want my hard earned money back. They were constantly asking me to open accounts for home loans. Student loans etc.
Assetcare LLC  is reporting  XXXX  false accounts on my credit report. I 've never heard of  Assetcare LLC  nor have I ever done business with them, nor do I have any contracts with  Assetcare LLC. Assetcare LLC  has never sent any kind of correspondence to me in an attempt to collect this alleged debt, so since they have provided any legal documentation, nor have they reached out to me I believe this debt is in valid and needs to be removed from my credit report ASAP!
A company by the name of " Portfolio Recovery '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " Portfolio Recovery '' to validate any information.
I have been disputing with this company for years and they never sent validation of debt until this year.They arent even licensed to even collect in the state of Florida.They also been adding {$10.00} on my credit report just to keep the debt fresh so the statues of limitations wont run out which is unfair.The amount they trying to collect is {$2100.00} but the original amount is {$1500.00}.
I leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the rouge about a week later. In XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the better business bureau because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the better business bureau to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XXXX and they reported me as late in XXXX, XXXX and XXXX and my credit took a 50 point dip. Working the the XXXX a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XXXX, XXXX and XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.
I do not have a loan with this company and I received this email todayNotice For XXXX XXXXXXXX XXXX ( XXXXXXXXXXXX ) Add to contacts XXXX Keep this message at the top of your inboxXXXXXXXXXXXXXXXXXXXXCASE FILE # :XXXXXXXXLOAN INFORMATIONDUE AMOUNT- $ XXXXXXXXLOAN COMPANY- USA FAST CASHYou are going to be legally prosecuted in the Court House withincouple of days.. Your SSN is put on hold by US Government, so beforesomething goes wrong we would like to notify you about this matter. Itseems apparent that you have chosen to ignore all our efforts tocontact you in order to resolve your debt with Payday Services. Atthis point you have made your intentions clear and leave us no choicebut to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONSAGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFERNow, this means few things for you. If you are under any stateprobation or payroll we need you to inform your superior or managerwhat you have done in the past and what would be the consequences oncethe case has been downloaded and executed in your name. If we do nothear from you within XXXX hours of the date on this letter, we will becompelled to seek legal representation from our in-house attorney. Wereserve the right to commence litigation for intent to commit wirefraud under the pretense of refusing to repay a debt committed to, byuse of the internet. In addition we reserve the right to seek recoveryfor the balance due, as well as legal fees and any court costincurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENTAND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bearthe entire cost for this law suit {$5400.00} which is excluding loanamount, attorney 's fees, and the interest charges. You have the rightto hire an attorney. If you do n't have one or if you ca n't afford thenone will be appointed to you. We believe that this was not your intentand that these steps are unnecessary. We merely require you to contactour recovery asset location department at XXXX between XXXXXXXXto XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURSON : XXXXXXXXUSA.FAST CASHLEGAL GROUP OF ATTORNEYSXXXXXXXXCopyright ( C ) XX/XX/XXXX - XX/XX/XXXX USA.FAST CASH | Privacy | Terms of use ( C ) XX/XX/XXXX XXXX Terms Privacy & cookies Developers English ( United States )
In XX/XX/XXXX, I contacted Portfolio Recovery Associates about a debt I owed to them after they brought a XXXX account that was charged off. 

In XXXX, I called PRA and spoke to a rep about setting up payments every two weeks to handle the account. I asked, if I paid the account would they be willing to do a pay to delete the rep put me on hold and came back and said yes they could do that. I started making payments on XX/XX/XXXX and my final payment was on XX/XX/XXXX. 

I received a letter stating the account was settled and the credit agencies would be updated. Its been a month and the entry is still on reports. I feel like Portfolio Recovery Associates lied to me just to get me to pay. At the end of the day the debt was mine, but the way they went about it was totally wrong. Why say you can do a pay to delete and turn around a renege.
The collection agency is " Location Services LLC '' located in Ohio. On XXXX/XXXX/2015, I spoke with a representative from Location services who claimed that I needed to set up payments for a balance of XXXX that I owe to XXXX. XXXX has gone into my bank account and taken payments on a balance that I owed them from the original loan of XXXX. XXXX even sent a letter to me stating that I only owed them XXXX and if I were to bring that payment in to them that I would be eligible to re-loan with the company. 
When I questioned the representative from Location Services about the balance his reply was " I dont know either '' and he hung up the phone on me after I explained to him that I dont owe that much from XXXX and that they received payments directly from my checking account. To me it seems as though this collection agency is trying to collect funds.
As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, XXXX as well as Transuion are all in violation of the FCRA ...
I called this collection company on XX/XX/18 at XXXX XXXX. I first spoke to a XXXX who said they were unwilling to accept payments from me unless it was one payment for the total amount owed. Once I said I couldn't do that, he transferred me to their legal depart. XXXX got on the phone and said since I am not cooperating, by not paying the full amount up front, that my account is now on hold for legal review. I asked him to explain what that meant and he wouldn't. He kept repeating its in review for legal. I asked to speak to his supervisor. He transferred me to XXXX XXXX who as well began threating legal action. I asked her what type of legal action and her response was, " you don't pay me nor are you my boss, I don't need to answer that question. '' I kindly asked her again, what are their policy and procedures to collect a debt and she again said she isn't my attorney and refused to answer. I asked her if I could please start sending payments and she said no, they would only accept the amount in full and if not there would be legal implications. Again, I asked what type of legal implications and she refused to answer.
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX
On XX/XX/XXXX, I contacted Convergent Outsourcing regarding a debt with XXXX. Speaking with the Agent Ms. XXXX XXXX, we negotiated a date of XX/XX/XXXX for the first payment of a 6 month payment arrangement. The payments were to be XXXX each month. The entire conversation was recorded. Following this conversation, this morning i saw that a unauthorized payment for the XXXX was taken out. Upon calling and finally getting the agent on the phone ( I was hung up on 3 times ), I was told by Ms. XXXX that there was a system error and I would have to submit proof of the unauthorized payment and would take 3-7 days to process ( my rent was due so this wasnt an option ). I asked to speak to a supervisor, whom was quite rude and said " just giving a refund without the faxed statement is not how we do business ). I immediately directed her to cancel any future payments, and she said she could not provide proof that this was done and the only proof would be a bill in the future that shows the full amount due.
We went to our scheduled closing and on the way there found out we couldnt close. We were told the ratios werent in line. The mortgage company gave the go ahead to everyone involved, including the attorneys. Now we are being told the loan was never correctly processed or approved. We had days off from work, utilities transferred and people set up to help us move. Our landlord has new tenants coming in on XX/XX/XXXXand we have no where to go. The banker will not return phone calls or emails.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Equifax had an ongoing breach and took a very long time to say anything. I was potentially impacted according to their website.
I have a student loan with Great Lakes. Without asking me, they signed me up to have all bills and payment information sent to an email that I do not regularly check. When we called to find out why we were getting past due notices but had never gotten a bill Great Lakes told us that they automatically send all bills via email, without asking first if that is what we want. 

Great Lakes should not be permitted to choose the delivery method of bills and payment information. The customer should be allowed the option to choose their delivery preference. Because of this we were unaware that a payment was due, and were charged extra interest. 

It is unfair to communicate only by email, without first asking if that is okay.
I enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last several months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within a few days of my statement ending in XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed my eligibility. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel the marketing of this promotion was highly misleading. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, XXXX XXXX
I have disputed XXXX on my credit report with XXXX Experian and XXXX multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all three CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX Bank these two were shut down by the federal Government, XXXX XXXX XXXX, and XXXX XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.