WillisBack/dataset-financial-user-claim huggingface dataset:
Since XXXX, I have been contacting Equifax about inquiries onmy report that I did not make without success. I last wrote on XX/XX/XXXX, yet another letter disputing wrong information on my credit and they have not responded. 
My inquiries that I am aware should all be from XXXX when I was working on my credit. I never made further credit applications resulting in authorized inquiries. 
The following inquiries are reporting on my credit reports and negatively impacting me as these were not authorized by me : XXXX/XXXX made in XX/XX/XXXX XXXX XXXX is being reported up to 3 times within XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX
The Home Depot Consumer Credit Card automatically allocates any payment to a deferred interest balance if said balance is due to expire within XXXX billing cycles. This forces interest on any revolving balance. 

For instance I have a {$500.00} dollar deferred interest balance and {$250.00} in revolving balance. If I pay {$400.00} it will lower the deferred balance to {$100.00} and leave the revolving balance at {$250.00}. In a 30 day month that results in " forced '' interest charges of {$5.00}. 

I understand the idea behind this practice as it will help consumers pay off their deferred balances before the due date, but, for people who properly manage their accounts this becomes a major issue. 

Home Depot Credit Services is unable to change this automatic payment distribution.
i have been getting repeated phone calls every day at different times of the day. i work XXXX sleep day time hours.they have also contacted my family members repeatly also as well they have been out to the house XXXX knocking trying to collect the loan i owe them. security finance in XXXX sc.
My interest payment is XXXX and the car payment is XXXX. I was assured by the loan originator at XXXX in XXXX California, that once I purchased the van with their financing I would be able to easily to get a lower interest loan by refinancing at my credit union, however this was not correct, I went to the credit union and the purchase price was too high and the credit union would not take my loan, so I am stuck paying XXXX per month in a desperate attempt to lower the principal amount, however this is impossible. I am retired on a pension and social security and felt as though I was baited and switched on the auto loan, and taken advantage of because I was in a desperate situation regarding transportation.
Ref : XXXX I applied for the XXXX prime credit card by chase on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from Chase requesting for verification of my application, after a few personal questions I was told my account was approved. When I hung up, I received an immediate call back within a mater of minutes advised this application is in review and I will receive a letter in the mail with the final decision. 

Today, XX/XX/XXXX I received a letter that states i have been denied due to having too many requests/opened accounts with chase. I recently applied two days before for an account which I was recently approved for with a {$5200.00} credit limit. 

I find this response to be biased and not true. I would like to have Chase reconsider this since I am a responsible consumer who pays for his debt on time and use it responsibly. 

I am a prime member with XXXX for over 10 years and would find it valuable to have this account due to my yearly expenditure with XXXX.
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
My loan servicing was transferred from XXXX to Specialized Loan Services ( SLS ) about a year ago. SLS refuses to send me a monthly mortgage statement either by mail or by email. They tell me it is because my mortgage was included in a bankruptcy. I filed my BK in XXXX 2010. This BK included XXXX mortgage. I have received monthly statements from every lender on all of my mortgage until my loan was transferred to SLS. I am never notified of any changes or problems concerning my account. This policy make it very easy to get behind on a mortgage payment if for some reason a late payment or escrow increase occurs on the account. It does not seem right that that SLS can leave it 's customers in the dark and give them a death wish on keeping up with changes on my account.
I have been a business customer of Wells Fargo since XXXX with multiple accounts, on Tuesday XXXX I received a letter from Wells ( attached ) and a cashiers check for erroneous fees with interest ( reimbursement for one of my wells accounts that was closed, I am still a wells business customer ) Because of the high amount of the cashiers check I called the number on the letter and on the cashiers check and they verified that it was correct. I am still a customer of wells so I went into a branch to speak to a banker about it, they contacted the wells department that issued the cashiers check and the branch manager ( XXXX, XXXX XXXX Branch ) spent 30+ minutes on the phone with the corporate office reviewing my account and they verified that the payment from wells was accurate and it was from the overdraft fee case. I asked for a reconciliation of the payment but they could not provide one but assured me it was accurate. I deposited the cashiers check into my wells business account and once the funds we released and cleared, I proceeded to make payment to creditors of mine and settlement agreements and I released the funds for those payments from my account. The following afternoon I logged into my wells account and found it was XXXX. The cashiers check from wells that cleared was removed by wells with no explanation. With my account XXXX over drawn, I contacted everyone possible and was told that the resolution department is looking into and that they believe it was a bank error and that it happened to hundreds of customers, finally a week later I received a letter in the mail with a " substitute check '' with a notation on it that said it is a legal document to be used in the same way the original cashiers check could be used. I called the automated phone number on the cashiers check and the was told that the item was reported as lost, stolen, or damaged and stopped. I did not report the item as lost stolen or damaged Finally yesterday I received a call from XXXX XXXX from Wells Fargo stating that it was an error but they will bring my account to a XXXX balance and send me a XXXX for the funds. This is appreciated but I am unable to undo the settlement agreements that I made with creditors once I was given the funds from wells Fargo via cashiers check.
Hello, I am sorry I had to come to this point, but I have been disputing inquiries with XXXX for some time now from companies that I never authorized to use my information. What is killing me now is their website is telling me that my information was compromised in their data breach and I 'm devastated because I have been telling them forever that there is a bunch of inquiries that I did not authorize anyone to do. A few months ago I had got a email notification from a monitoring service that I use that someone has logged in my account which was not myself or my wife because we were together. I hurried up and change the passwords to all of our accounts immediately. It 's so scary not knowing who has my info and is using my info to try to get themselves a car and cell phones and I guess what seems to be a new mortgage. 
*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX *VXXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/XXXX TRANSUNION- Removed all but one of the inquiries that I did not authorize.
*XXXX XXXX Inquiry from XX/XX/XXXX
XX/XX/18 ordered {$140.00} from XXXX  XXXX and returned {$140.00}. I used a discount code and was returned a gift card instead of returning the full amount to the card that I used to originally purchase the items. I contacted XXXX XX/XX/18 when noticing I owed {$30.00}. The company assured me the mishap would be cleared up. I called commenity bank and the company did not see the updated information. I called XXXX again and was assured the error would be corrected in 48hrs. I still have not had anything changed on my account and now am receiving notifications that my credit lines have been decreased for a delinquent account. I have contacted bother parts of the company and no longer know what to do to rectify the situation since neither ends seem to be matching up. I have never not paid any of my bills and have paid my card with XXXX off always within the 30 days.
EQUIFAX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE EQUIFAX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. XXXX ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX )
The company failed to show me any proof of a contract I have with them. I have never done business with this company before. 
They have reached out to me earlier this year in an attempt to collect a debt that I do no owe. 
They removed the item from my credit report earlier this year, then proceeded to put the account back on my credit report.
In XXXX of XXXX XXXX XXXX XXXX replaced the HVAC system in her home. As a finance option she was invited to apply for a payment plan that was 0 % for 60 months. She was approved and set up automatic payments to honor that arrangement. In XXXX she happen to open a mail item that revealed that she was not on a payment plan and that she had infact been lied to by the sales person and her information was instead used to apply for a credit card with Synchrony on a deferred interest plan for only 18 months. On XX/XX/XXXX I called on behalf of my XXXX year old mother and spoke to XXXX and XXXX regarding a resolution. I explained that the person that presented the offer and convinced her to apply did so using false information about the product and that we were interested in paying off the balance minus the deferred interest as this account was applied for under false information provided by the live person selling the financing options. XXXX had faithfully been paying on what she understood to be a 60 month payment plan and aince we discovered the deception I was prepared to help her pay off the balance. I was advised that they do offer a 30 day window past the regular deferred interest posting where they are willing to waive the interest in exchange for the balance being paid off. I was told that this is in place because often customers do not understand that it is deferred interest and call to pay it when they get their statement. However, since we became aware of the situation after that window there was nothing they could do. I explained that existence of that window suggests they are aware that customers do not understand what they are signned up for and advised that I consider this predatory lending at it's worst.
I call the bank on XX/XX/XXXX to add a mailing a address to my newly approved Wells Fargo XXXX XXXX card, they told me to call back on the next business day to update that info. then call back the XX/XX/XXXX, got the info updated and was awaiting for new card to arrive in the mail the said it will take 5 to 7 day. I called the XX/XX/XXXX spoke to female she said there was no card there for me no even my XXXX card, she hung up call back go to male buy the name of XXXX he told me that the card was shipped out on the XX/XX/XXXX he also said I should give it two more business days because there might be a delay. I waited until the XX/XX/XXXX the card did not arrive call the bank then they say that they are send me my card express, they could n't do they said that there are fraud on my account. I the bank today XX/XX/XXXX one rep told the account was closed hang up I called ask for supervisor then a manager when I spoke with the manager she said everything is gon na be ok she is gon na have a department call me back to fix the issue I have within 2 hours waited 3 hours no call the name to the manger was XXXX, After waiting for the call I call ask for a supervisor got connect to one by the name of XXXX I explained to bill what happened then he said that 's not what he is seeing in the note he checked twice still nothing when I played recording from XXXX 's call when he checked the 3rd time that when it magically appeared back in the note the he advised me that no one will be calling me back. they are note treating me right Wells Fargo should be more customer friendly and let the application process be smooth
I have been received calls from XXXX XXXX XXXX XXXX for XXXX XXXX. Call dates and times are :XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. All calls are from phone ( XXXX ) XXXX. This is also the call back number left by their prerecorded phone message they keep leaving. Their address is listed as XXXX XXXX XXXX XXXX XXXX, California, Phone ( XXXX XXXX XXXX, XXXX. I have left several message on their answering machine because I go to work before they call and don't get home until after they are closed. I have told them the subject they are looking for has not lived at my residence in 12 years and to stop calling my phone. I have informed them my phone number is on the National DO NOT CALL list. I have informed them I have filed complaints with the FCC and the FTC. I told them if they continue to violate the DO NOT CALL list and harass me further I will contact the FBI. This harassment is across state therefor it is federal. I have informed them for each phone call they continue to do is a separate violation. I will attempt to send them an email but that will probably just start them emailing me too. The government agencies I have contacted have the right and the ability to contact the FBI and should do so for these violations of criminal laws. I am also looking at violation of my rights of equal protection under the law if nothing is done. This debt collector has laws it must follow and is not. Their over aggressive actions are a violation of laws both federal and state. I want criminal charges and civil action take against XXXX XXXX XXXX XXXX for their violations. My messages have become more and more, well not polite which is not required when I'm talking to these leeches. They how ever are required to stop calling and they must be polite when talking to you. I will continue to file a separate complaint each time with the FCC and FTC as each call is a separate incident/violation.
I fell behind in my Credit cards payments as a result of medical issues that have caused issues in with my budget. I was contacted by Bank of American and agreed to a payment plan in XX/XX/XXXX. I was told by the Bank representative that if I made three months worth of payments that my account would re-age and I would be able to return to regular payments however I would be charge a late fee as a result of my payment still being behind for the next three months and my account would reported as late to the credit bureau. I was also told to call each month after the agreed payment was made. Since XX/XX/XXXX I have made the payments each month and called each month since only to be told SOMETHING DIFFERENT each time by representatives from Bank of American. It is almost XX/XX/XXXX and still my account is being charged a {$35.00} late fee and my account is still being recorded as late and that is being reflected on my credit.
This is a follow-on to the response that Bank of America had sent on Case number : XXXX. 

I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like XXXX and XXXX where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers XXXX and XXXX and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : " XXXX, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Bank of America for the credit card ending in XXXX is {$9100.00}. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.
I originally had an auto with XXXX XXXX for a XXXX XXXX XXXX. which was transferred to XXXX XXXX XXXX. I have asked Autovest for a break down of fees and have yet to receive. I even asked for a possible settlement but I wanted to see a break down of fees. I did receive a copy of the contract but nothing showing how much the car was sold for or how they came up with their their amount.
My bill was paid by my insurance company after my Medicare paid it 's part. The company saying I owe them money is now out of business because of similar fraud practices. Although I contacted them several times in the past, they do not seem to understand. At this point it is hurting my credit score and I would like to get it cleared off my record.
i have file numreous complaints on ocwen loan co. for 4 yrs. now. 4 yrs. and you people have let this go on for 4 yrs. now and now we are going to lose our home. i have repeatedly told you that they are practicing improper practices ( for 4 yrs. ) one day this co. will send us a letter stating our app. is complete and the very next day they will send us a letter stating they need something els. not once, not twice, 4 yrs worth. and i know XXXX XXXX doesnt work for ocwen she started the cfpb and she needs to know that you guys are collecting paychecks for nothing. every complaint i have made you send me a letter stating what ocwen says, i know what ocwen says, and what they say is wrong. they are ruining peoples lives and you people are letting them. 4 yrs. to put a family through XXXX is about enough, dont you think so? what if they was doing this to your mother, daughter, brother, sister, you can bet your XXXX would be putting a stop to it then, right? when i first called ocwen for help they told us we must be 3 mo behind before they can help us. we reluctantly did and its been hell from there. we filled out an app. for help and the very first offer they made us was a higher housepayment. thats ok, right? then they drug it out for almost a yr. having us refax, resend, rewrite, redo, whatever it was, they did it.thats ok, right? we found save the dream which helped us for 15 mo. and i honestly thought ocwen would be gone by then for their improper practices. nope, they are still here. so we reapplied, and of course, they started it all over again. well, we lost or cant find this, can you rewrite that, refax, redo. and this is ok, right? 4 yrs. worth. i hired XXXX lawyers, XXXX took our money and ran so i hired another XXXX to get our money back from him and he took half that so here we are that much more behind. one day a relationship mgr. will call us and tell us our app. is complete, 2 days later they call and need something else. not once, not twice, 4 yrs. worth. i have every bit of my paperwork and documentation to prove this and i also have all my paperwork from you guys thats basically says ok, oh well. and thats ok, right? this co. is ruining lives!!!! and no one cares. im going to go to XXXX news and try like XXXX to get our story on there. i thought i was alone before but now i have like XXXX other people ocwen is doing the same thing to. and thats just in 2 days. ill find more. bc obviously i cant do this alone. and no one in the govt dept. gives a XXXX. FOUR YRS OF XXXX. I now have an XXXX, which is due to how your body handles stress. mmm? not only am i now complaining about ocwen i am contacting the XXXX and complaining about you .... im sick of this XXXX. you people do not belong there if your not going to do your job.
To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/XXXX in regards how XXXX Mortgage is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over 100,000 behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
I am trying to refinance my mortgage, and have learned that my personal information has been compromised by the Equifax hack. This hack has jeopardized my chances of having my refinance approved and hurt my chances of getting rate I deserve.