WillisBack/dataset-financial-user-claim huggingface dataset:
On several occasions I have disputed inquiries on my credit report that I did not authorize and they do not belong to me. I have a fraud alert on my file due to someone else applying for credit and using my social to obtain credit. Experian has refused to delete or investigate the unauthorized inquiries. Per the FCRA a consumer has the right to dispute inaccurate or unauthorized information reflected on their credit file. The below inquiries are related to fraud and need to be removed. CERTIFIED CREDIT REPORT-, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX The above inquiries need to be removed. I have contacted the companies and they have no record or application that belongs to me so they are not able to assist in removing these inquiries.
XXXX XXXX XXXX and XXXX XXXX violated The Fair Debt Collections Act in the following ways : 1. Threatened to take legal action against me if I did not pay the debt from 14 years ago. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. Continued to make calls and texts to my family members after making contact with me. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. Threatened my family members with legal action if they didnt give them information. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 4. Threatened to contact my employer via text. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 5. Gave my family member information about the debt. 
XX/XX/XXXX XX/XX/XXXX
I am Shocked when I reviewed my credit report and found late payment on the dates below : 30 Days late as of XXXX 2014 30  days late as of XXXX 2014 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements
We have received phone calls to our business from Ally Financial ph # XXXX repeatedly for two weeks and every time I pick up, they hang up on me. I called them on XXXX XXXX and asked them not to call because the previous owner they are trying to collect money from does not have that same number anymore. They assured me that our number would be removed from their list. We have received four more calls since the day I called.
I previously notified Bank of America that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
The XXXX XXXX  XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX  XXXX XXXX fraudulently processed loans on my behalf.
A woman calling from 'Maury Cobb Attorney At Law ' at XXXX would not disclose the nature of the matter without me giving my date of birth. I did not offer any info. However, she did state my address and last XXXX digits of my social security number to try and get me to offer my date of birth. How she had that information is difficult to understand and of great concern. I told this woman that I have not received any notification by mail on any legal or debt matters. They may be trying to collect a student debt of a relative which was legally dismissed in bankruptcy. I was listed on that loan as a reference. That is my only theory on this. Nonetheless, I am not liable nor is my relative. An investigation is required.
I have contacted Equifax with regards to an unknown collection account # XXXX reporting on my credit file. This company is unknown to me and this debt do not belong to me. I have informed Equifax that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.
My credit report is saying I have {$410.00} Im collections from a XXXX from XXXX XXXX 2017 I have nothing in my name not I have I opened any accounts in my name in years. This is NOT my debt
I received a letter notifying me that H & R Account was attempting to collect an alleged debt on XX/XX/XXXX. I did not recognize the amount or the date of service so I sent a certified mailing requesting verification on XX/XX/XXXX. See attachment.
I never received any verification back. H & R Account is violating FDCPA by not providing verification of debts. The company has resumed collection activity and has reported the debt to by XXXX credit report as a negative open collection without providing verification.
There is an incorrect address on my TransUnion credit report. I have tried both writing to have this removed as well as removing it through their website. I have not received a response from the written request and their website errors out when trying to notify them of incorrect data.
I was at the car dealership for about six hours. I had bad credit and I was looking into buying a new car. They eventually found a lender who asked for many different documentation types than I 've ever had to provide and, after being exhausted from being thrown numbers and needing to get home to my kids, I ended up with a car that had a purchase price of {$26000.00} that I put down {$3000.00} cash AND a trade in of a car appraised at {$15000.00} and my payments ended up being {$530.00} with a XXXX XXXX interest rate. That was adjusted after the fact as well. My debt to income is highly maxed and beyond and I am now stuck in a loan in which I can not get refinanced due to the inability to keep up with the payments and their customer service being horrible. I had explained that I had medical issues and I just wanted to find out how to get caught up. That apparently was not good enough and I was told I was being too " vague '' about my situation. They had already repossessed my car and I had never received a right to cure notification. At one point, someone told me that it had been returned but another denied the statement. I feel that this company, who seems to have already settled a claim in New Jersey and another state, for this same time of practice by extending credit to those who they know are unable to make these payments combined with a highly pressured sales tactic targeted to those with bad credit looking for options. I 'm not looking at losing my car and had a decent credit score before buying this car. I want out of this loan but have no options and am now paying for the repercussions of this loan signed almost in duress.
I hold Power of Attorney for my father ( mother deceased ) who is XXXX  years-old and has recently relocated to a XXXX XXXX XXXX ( XXXX ). I am trying to short sale the home with no profit to be gained and in order to get out from under the XXXX XXXX reverse mortgage loan. They wanted me to sign the house over and agree to incur various financial risks for up to eight months that it might take them to finalize the paperwork. This is not my loan and I would not sign anything having to do with the loan. I am filing a complaint and requesting you evaluate their shady business practices, both XXXX XXXX and XXXX. 

XXXX XXXX : 1. Failure to produce mortgage terms and conditions. 
2. Suspected exploitation upon the elderly.

3. Question of whether this company has an appropriate assignment of mortgage.

4. Possible unlicensed practice to conduct mortgage business in California. 

XXXX XXXX and XXXX : 1. XXXX is now claiming that they can not talk with our Real Estate agent concerning the short-sale because they need a physician 's statement that my father was competent when he signed the POA in XX/XX/1995. Given that she entered into the Reverse Mortgage and they had a responsibility to ensure he was competent when he signed the agreement, why do they question is competency prior to that time? I believe they are trying to foreclose, so that they can collect further monies.

2. Each time I call, the representative has little information, there is no one to talk with, they must communicate with the POA section or their supervisor and then get back to us. There is no knowledgeable person who can discuss the facts and provide information. 

Please evaluate that my parents did a reverse mortgage without my knowledge and when they had less than {$40000.00}. remaining on the loan and now they loan is XXXX. What is wrong with this picture? I don't believe that they have evidence of a third-party counselor who discussed the reverse mortgage with my parents at the time they entered into the agreement, and stole the house with underhanded practices.

Currently, XXXX is holding up the short-sale for the physicians statement when we've provided them with a physician XXXX   documents discussing his current competency.
The draw period on my Bank of America HELOC is expiring. I can not afford the payments on the amortized portion of the loan. I contacted BOA to request a modification or extension of the term. They declined my request because I am not delinquent or in foreclosure on the debt. For the past 10 years I have never made a late payment on the HELOC, so they tell me I do not qualify for one of their programs. I believe I am being penalized and denied because I am NOT delinquent. I am trying to continue to pay this loan on time and in full. I am asking the bank to provide me with amortized fully amortized payments over a 30 year period, with a 10 year due date. I do not believe I should have to become delinquent, erode my credit and pay late charges and foreclosure fees, just to conform to one of their programs. 
The HELOC is a bank owned product. The bank does not sell this type of loan to investors, and therefore has a choice on how to help their customers. BOA never considers customers who pay their debts. The HELOC situation is becoming a huge problem that the banks will have to deal with. Other details are contained in the letters I have attached hereto.
Good Morning, I have a Stein Mart credit card and last couple of Years they switch to Synchrony Bank and ther give me interest rate almost 50 % .Please if you can HELP me because i have filling thaht i never pay off.I am XXXX XXXX XXXX, XXXX with unemployment wife. 
Thank You
My Bank of America checking account was subjected to multiple overdraft charges. This seems to have been caused by the Bank applying the transactions in a manner that maximized the number of transactions subject to an overdraft fee. In addition, while the default display of transactions shows the " statement balance '', the bank maintains a separate " account balance '' that apparently can trigger fees even when the statement balance is showing a positive balance. This seems misleading at best and deceitful at worst.
Lion Stone Holdings Group has been leaving threatening voicemail messages on my home phone for 1 month. Threatening to sue, come to my home, and to escalate the case. ( file number was given ) A woman, XXXX XXXX, contacted me at work and wanted my SSN and birth date. Said she would show up at my home. 
I have no loans outstanding. Nothing shows up on my credit report. 4-5 years ago a payday loan was taken out in my name using identity theft. A Police report was filed then.
Reported by TransUnion XX/XX/2018, Got notified by XXXX XXXX an inquiry by XXXX was made using my identity. I am kindly contacting you because I did not personally make or authorize this inquiry. I contacted XXXX and they advised me to follow instructions on website and submit a request to have this hard inquiry deleted from my credit information. Thanks in advance
THE WORST EXPERIENCE WITH A LOAN COMPANY, BAIT AND SWITCH, COST ME A XXXX APPRAISAL FEE OF MORE IN LOAN SERVICE FEES AND MADE ME PAY OFF CREDIT ALL TO FIND OUT I DIDNT QUALIFY FOR LOAN THE PROMISED FROM START AND TRIED TO PUT ME IN A LOAN TO BENEFIT THEM AND PUT ME BACK MORE IN DEBT, THIS MORTGAGE COMPANY HAS TONS OF COMPLAINTS CHECK THEM ON XXXX THE HAVE A BUNCH OF COMPLAINTS DOING THE SAME THING TO ME THE BAIT AND SWITCH YOU MEANING THEY TELL YOU WHAT YOU WANT TO HER AND AFTER YOU INVEST MONEY TURN THE LOAN AROUND TO SOMETHING THAT DOES NOT HELP YOU AT ALL KNOWING THAT THEY KNEW IN THE FIRST PLACE THEY COULDNT PROMISE YOU THAT AFTER GIVING THEM ALL THE PAPERWORK
Bank of America continues to pursue Collections for a balance that was long ago reported as dispute : reason fraud. They are sending no reply emails to collect on account ending in XXXX, after first trying to Collect on account ending in XXXX ( not sure if that 's the exact lastXXXX because I shredded the card then was cut off from electronic statements. 

The reason for card re-issuance was the fraud on that number. After reporting that there should not be ANY balance on the card I was not using or receiving paper statements for, and receiving acknowledgement that this is clearly fraud, I suggested CLOSING the card for reason : Lost/Stolen and replacing it to prevent further fraud. 

The balance was verbally agreed to be in dispute, and I had to go to the Fidelity Service center to request they act on my behalf after nearly a week of not being able to get through to the department to be transferred to for fraud & disputes. XXXX made the call for me and was privy to the conversation. 

The vendor was changed because of their gross negligence, and the account was purchased as part of a collections portfolio, when it should have been a XXXX balance and off my credit report. In fact, the account was only reported delinquent AFTER I reported fraud, placed the balance in dispute and was reissued a new card. A week or more later I received a credit alert that I was delinquent. 

I am willing to email BoA and have in writing what is being communicated but they are only sending no-reply emails with demands to contact Collections, noting the time frame within which they require an item to be placed in dispute. I am not willing to place the item in dispute AGAIN and miss their imposed time frame. The balance continues to grow, along with my desire to expose their devious practices to every person on the face of the earth. 

This was supposed to be resolved a very long time ago, and was the result of not doing the most basic fraud detection and prevention that is the expected standard for a financial institution. I am not willing to get into their technicality trap of fine legal print because they are ignoring the original dispute. They should not be in the banking business to be perfectly honest. 

This is an addendum to complaint # XXXX
My husband and I are going through a financial hardship we were on the Hardest Hit Funds Program with Neighborhood Housing Services of  XXXX   ( NHS ) . We were approved on  XXXX   XXXX   XXXX  and made our fist payment to  XXXX  that same day. We were instructed by o ur counselor fr om  NHS t o begin sending our mortgage contribution payments to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  begging on  XXXX   XXXX ,  XXXX . I received a notice letter on  XXXX   XXXX ,  XXXX  from   XXXX   XXXX   my servicer at the time, that my loan had been transferred t o PennyMac  effective  XXXX   XXXX   XXXX . On  XXXX / XXXX / XXXX  I received a notice of default from  PennyMac in the am ount of {$5300.00} I immediately called them to question, the representative at that time said the State was late in sending in my contribution payments but the matter would be resolved at the end of our contract with Hardest Hit Funds. Our  two year term has  expired on  XXXX   XXXX ,  XXXX  and  PennyMac is st ill requesting payments for  XXXX ,  XXXX  and  XXXX   XXXX . My  counselor  and I have sent in proof of payments made from my account to  XXXX  and from the State to  PennyMac and it clearly shows that I am not in default of any missing payments. PennyMac has responded to me that they are accurate in stating that I owe those months and if there is any dispute it should be with the State Funding Program.  I have showed them clear evidence of payments and the underwriter in care of my account says there is nothing they can do for me at this point and I have make my account current in order to avoid foreclose. This is a matter of power over the defenseless people like ourselves that the banks take advantage of. My husband and I feel hopeless and it is very frustrating.
This account was originated with Santander USA in XXXX. This auto loan became a volunteer repossession in XX/XX/XXXX. The vehicle was sold and a dispute was honored and remaining balance after the sale of the vehicle was made with Santander USA. Santander USA updated my credit report and still reflects {$0.00} as of XX/XX/XXXX. This account was settled and closed out. I am now receiving harassing phone calls from a Debt Agency regarding a balance which has now impacted my credit majorly.
ON XX/XX/2016 I PLACED AN ORDER ON XXXX IN THE AMOUNT OF XXXX. ALL HAS BEEN REFUNDED BACK TO MY PAYPAL ACCOUNT EXCEPT XXXX. THE ORDER WAS CANCELED ABOUT 30 MINS. AFTER IT WAS PLACED, AND XXXX STATED TO ME THEY WOULD STOP THE ORDER DUE TO A FAMILY EMERGENCY. XXXX DID CREDIT MY XXXX BACK, BUT HAS NOT CREDITED THE XXXX. I FILED MY DISPUTE WITH PAYPAL AND THEY HAVE CLOSED MY CASE LEAVING ME TO FOOT THE BILL. WHICH I WILL NOT PAY DUE TO THE FACT THE ORDER WAS CANCELED AND I NEVER RECEIVED THE ITEM. PAYPAL HAS NOT KEPT MY ACCOUNT CORRECT PLEASE SEE ATTACHMENTS.
West Asset Management continues to harass me looking for payment on a debt from XXXX of 2014. XXXX XXXX is using their services. 

My insurance company, XXXX XXXX XXXX - has attempted to contact West asset and XXXX directly a number of times, and I actually got a rep from XXXX on the phone with a rep from West Asset management last month - I was told I could not listen to that conversation - to sort this out. 

I got another call today from West Asset requesting the same payment. I have confirmed with XXXX that I do not owe this amount and are happy to pay.
I have reached out to JPM Chase via certified letter to rectify errors and discrepancies being reported on my personal credit report that JPM Chase is reporting. On XX/XX/XXXX, a letter certified letter was sent to JPM formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from JPM Chase, however as when I pulled my personal credit, on the 31st  day from when JPM Chase received my certified letter. The company failed to DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. JPM Chase is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for onXX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified JPM Chase of this federal law violation in XX/XX/XXXX, which the address that was furnished to me on my credit report reflects, however that letter was returned to me as an unknown address. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as a goodwill gesture to allow JPM Chase to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, JPM Chase MUST NOW remove the items. JPM Chase then responded on XX/XX/XXXXwith a letter agreeing that the information is inaccurate and will now go ahead and send the information to the Credit Bureaus. This is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Paypal decided in the favor of the buyer in dispute case # XXXX. The buyers complaint alleged that they never received items purchased. 

I provided paypal with correspondance that showed the buyer confirming with me via email that they did receive the items purchased. That document is attached. 

Paypal refunded the buyer {$1400.00} after I proved that they buyer not only attended the event they purchased tickets for, but also lied in their dispute.
I contacted Care Credit and informed them that they would received a check from XXXX XXXX XXXX to be applied to the XXXX bill. On XX/XX/XXXX they received a check of {$950.00}, from XXXX XXXX, which was applied to my account ( XXXX ). On XX/XX/XXXX, Care Credit received a payment of {$200.00}. toward this account leaving a balance of {$940.00}. On XX/XX/XXXX, I paid {$100.00} toward this account. Care Credit has referred this account to the credit bureau for delinquency to this account. I have been making the payment I am not having any difficulty in making payment to this account. According to the credit card agreement, there would be no interest added to this account if paid off in two years I would like this organization the unfair practices of this company and assist me in resolving this dispute.
I faxed as well as supplied the clerk of courts in XXXX county XXXX XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received XXXX letter from them at the correct address which was valid up to XXXX XXXX, XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating XXXX laws.