WillisBack/dataset-financial-user-claim huggingface dataset:
I originally applied for a mortgage loan with  Contour M ortgage in  XXXX  o f 2017. I w as prequalified by myself and at the time i did not want to add my husband. I later realized that for the type and size of house we wanted we needed to add both my husband and I on the loan. The lo an officer assured us that if he was added to the loan we could go as " high as we wanted '' ( his words exactly ). W e searched for a home and foun d one a nd asked him for a pre qualification letter on   XXXX   XXXX   , 2017 o f a certain amount on the advise of our realtor. She suggested this be done so the seller would agree to pay closing cost. The loan officer agreed. We contracted on  XXXX   XXXX  , 2017 with  a closing date of  XXXX   XXXX ,  2017 a nd a due diligence date of  XXXX ,  XXXX ,  2017 . We sent the loa n officer ev erything he needed which included     XXXX   XXXX  , bank statements and all disclosures he asked us to sign as soon as he sent them or asked for them. On  XXXX   XXXX     2017 the lo an officer informed us that I could not be on the loan because of a  XXXX  issue. ( after having this looked at by another lender this was showing clear ). The l  oan officer assured us at this time that we could proceed with this loan in just my husbands name.
As the due diligence time approached we did not hear anything from the loan officer so w  e called a day before on  XX/XX/XXXX , to see if everything is ok to close and to confirm that the appraisal was completed. The loan officer assured us everything is fine but no the appraisal has not been completed. The appraisal payment was taken from our account on  XXXX   XXXX ,  2017. It was  ordered an hour after our realtor called to ask about it on  XXXX ,  XXXX ,  2017. As the  closing date was approaching everyone involved including the seller was wondering why underwriting was n't complete. The appraisal still was not back as of  XXXX ,  XXXX ,2017. My realtor called someone in corporate to get a resolution and he confirmed that based on the income and credit report this loan has no problem being approved and assured her that he will do everything he can to speed up the process for a closing asap.     The final decision from underwriting came back on  XXXX   XXXX ,    2017. It  was denied due to insufficient income. This was not relayed to us. we had to call to get a status and that is when we were told that we did n't qualify due to not enough income for the price of the house. We still have not received a formal written denial as of today.
I got a call from XXXX XXXX XXXX telling me to pay the amount of my apartment settelement. I moved from XXXX XXXX apartment on XXXX of XXXX and I got a bill to my new condo on XXXX of XXXX stating that I need to pay {$990.00} for cleaning and carpet replacement. I wanted to talk to them to negotiate the money as I was in the aprtment for 7 years 4 month. The Agnecy was insting me to pay over the phone which I declined and they told me they will report as a dispute and will impact my credit history
On XXXX/XXXX/2016 I applied for an American Express Everyday card. I received an email stating that my application was pending. I got notification later that day that my application was declined due to past account closures with American Express. I called into American Express on XXXX/XXXX/2016 to discuss the declined application, the informed me that my application was declined due to prior accounts being charged off in Bankruptcy, and that until I paid them back to American Express, American Express would not issue me another credit card ( much different then what the letter I received stated ), I reminded the associate that the balances were discharged in bankruptcy and that I was legally not aloud to pay them back with out paying all my former creditors back. She still tried to transfer me to the recovery area so that I would pay the past balances back. This is a clear violation of US Federal Bankruptcy Code, Attempting to collect a debt after it has been discharged in bankruptcy. I informed the representatives manager of the situation, he tried to cover the situation up by saying she would never ask that I pay back a debt discharged in Bankruptcy. I asked him to have my application reviewed based on my credit worthiness and to speak to someone who could review my application manually instead of a screening software. He sent the request in and told me it would be 2-3 days. 

In the mean time, I tried getting in contact with American Express 's Executive Office to file a complaint against the representative who violated the law and to ensure that my application was being forwarded to the right area for manual review. I was unsuccessful in this matter. I found an email address online for the Chairman/CEO of which I sent an email outlining my complaint of illegal activity and my request. I received a phone call on XXXX/XXXX/2016 from XXXX of there Executive Referral team who listened to the call and did verify to me that the representative did in fact request that I pay off the balance in direct violation of US Bankruptcy law, and did confirm that she would be getting my application over to the appropriate area for manual review. 

On XXXX/XXXX/2016 XXXX called me back and indicated that the RISK area of American Express reviewed my application and declined to move forward with it due to a prior loss American Express took. This is a second clear violation of federal law ( fair lending act ) as they are not basing the lending decision on credit worthiness, they are basing the decision solely on a prior loss American Express took in a bankruptcy. XXXX mentioned that the VP of risk reviewed the application for an override to the prior account closures ( very small loss in bankruptcy ). When I asked what criteria they looked at being that I have much higher income and assets then there standard Amex Everyday card customer ( being that this is there entry level card ) since they did not pull a hard copy or soft copy of my credit report all she could tell me was that it had to do with the prior accounts included in bankruptcy.
I looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.
Capital One Credit was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.
This report requires provisions from HEPA laws and Fair Credit Reporting. XXXX refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.
CBE group added something to my credit when we already had a payment plan setup an they never once told me that i had to pay it by a certain date then soon as i got down to my last payment they put that on my credit report as a collection after its been paid in full ... i never miss a payment or nothing so i dont understand why they did that to me when Im trying to keep a good credit report
They never answered me with details of this account. They said it was frozen, now they say it was closed. Insufficient reply, without all the account details. Just to say the account is closed is not good enough, especially when th e U.S. Justice Dept. Had a case against this bank when it failed, regarding corruption. The bank name was *Affinity and it changed to *Pacific Western Bank . I 'm requesting an inv estigation as a consumer, with your agency.
I am writing to report a violation of my rights by a creditor. XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX has taken {$13000.00} through employee garnishment since XXXX and is continuing to do so. I called the number I was given and spoke with a debt collector from XXXX XXXX XXXX. I asked what debt was. The response was it was from a financial company XXXX XXXX. I continued to inquire if it was a loan or a credit card. I was informed by the debt collector from XXXX XXXX XXXX, Midland has all the information from XXXX XXXX and nothing else is needed. The collector said it was from XXXX but the only credit card I had was already garnished by Midland. There are 3 separate occasions when garnishments from Midland were claimed to be from XXXX XXXX XXXX XXXX. The debt itself was over 15 years old. I could not prove the debt was paid and was told there was nothing I could do about it. I was first garnished for XXXX XXXX XXXX XXXX at the end of XXXX. In XXXX, garnishments began again from XXXX XXXX XXXX XXXX. In XX/XX/XXXX, Midland began garnishing again for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX informed me each time I had to prove the debt had been paid in full. 

My complaint is XXXX XXXX XXXX continue to garnish me for debts I dont have. XXXX XXXX XXXX are unable to provide information regarding these said debts. I am unable to prove the debts the paid due to the age of said debts. 

There is another XXXX XXXX on my credit report I have been trying to get removed for over a year. It is described as a debt to XXXX XXXX. 

My grievance is with XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I contacted the Attorney General who lead me to you. After contacting the AG I was informed of a lawsuit against this group by the Attorney General.
only autorized XXXX pull on XXXX XXXX 2015 and that was XXXX XXXX
Ability recovery services llc is trying to collect on a said medical debt and they are not bonded in the state of TX. The debt was Added to my credit report XX/XX/XXXX in the amount of {$670.00} without any documentation
I have been making monthly payments since XXXX and have proof of same. Navient is claiming that I have not made a payment since XX/XX/XXXX despite the fact that I have not missed a single payment from XXXX XXXX-present ( and have even directed Navient to apply additional funds to certain loans ). I have confirmation emails and proof of withdrawal of funds from my bank account. I have tried calling multiple times and can not connect to a representative - on three separate occasions Navient disconnected me from the call. This in unacceptable.
I bought a used refrigerator from a used appliance store, XXXX in XXXX, Florida. It came with a 30 day warranty. They did not offer delivery so I hired a professional moving company, XXXX XXXX to pick it up for a fee of {$100.00}. 27 days later I woke up to a hot refrigerator and lost all my food. I called the appliance store and he said I would have to bring it back. I called the same moving company, XXXX XXXX, to pick the refrigerator up and take it back to XXXX. The delivery was done. 

I called the appliance store to see what was wrong and how long the repair would take. He said he could n't look at it for 2 weeks. I said I ca n't go two weeks without a fridge. He called me a XXXX and I told him to keep the fridge and reversed the charge on my credit card. I bought another refrigerator, replaced all my ruined food and moved on. 

Months later, I get a letter from Barclay that the charge for the refrigerator was recharged to my card. What????? The appliance store suddenly claims the movers damaged the refrigerator. They shrink wrapped it and strapped it into the truck. I watched them. There was no damage. 

This all occurred in XXXX. The mover went to the appliance store last Friday to speak with the owner and see the refrigerator. The owner told him he did not know what he was talking about. He told him to have XXXX XXXX call. I did. He yelled and called me some more name. I said I need you to credit my card or let me come pick up the refrigerator. He said he got rid of it. I supplied Barclay with his ads where he was advertising the same refrigerator for {$550.00} through XXXX. Now " he got rid of it ''. 

I called Barclay and told them all of the above, again, and they still refuse to credit my card. 

I am literally at my wits end. What Barclay is doing is causing me a literal nervous breakdown and should be illegal. Where does any kind of consumer protection come into this? What in the world are they doing? Please help me. 

XXXX XXXX
HI, Discover It Credit card closed my account on XX/XX/XXXX without any convincing reason and today XX/XX/XXXX I checked my XXXX credit report and they hit my score negativly with 77 point AND I found 2 issues that is broke my back, ( FIRST ISSUE ) that they reported my account as its closed account while they are the one who did it plus it is still under investigation upon of my request with them for why they closed it. ( SECOND ISSUE ) that they made HARD INQUIRY ON XX/XX/XXXX and i do not know why?? the account already closed on XX/XX/XXXX and I never call in this date for any request like credit line increase or any kind of reasons to make a hard inquiry on my credit report because I usually avoid making hard inquiry. So i want to Dispute that please, I been working hard on my credit to keep always excellent. Please help me
I have asked Doctors XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I have been disputing for a while with the credit bureaus and Pinnacle Credit Services and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my XXXX credit files are still showing this account despite the multiple disputes.
XXXX XXXX XXXX has contacted me numerous times, several times a day and every time I speak with them its the same spill. They acknowledge my debt and ask if Im able to pay the debt. I have told them numerous times that I am willing to work with them and pay my debt but I was given false information on my options for payment. I was misinformed for almost 4 years and I never knew about all forms of payment. I had to pay my friends to make a payment for me at times. I work almost 20 hours a day and literally couldnt take advantage of the payment option they were offering online due to limited access to a computer. One day after I was already 1 year behind in payments a customer service associate told me about the application they have available to pay through. I have been able to pay more money and ahead of time do to this particular call. I am very disappointed in XXXX XXXX for not informing me of all the options. This has negatively impacted my credit and keeping me from getting approved for certain loans.
On  XXXX / XXXX /  XXXX  , I received an email notification that  XXXX   XXXX  received my {$85.00} payment from PayPal. I did not recognize the name or amount and checked the transaction on Paypal 's website. There was a note to  XXXX   XXXX  stating " bill for next month '' that I did not write.I do not know this person I opened an unauthorized transaction complaint through PayPal and received the following response : '' Our records show that this payment passed  one  or more security checks ( such as phone or SMS authentication ) at the time of the payment. The security checks are completed using information known only to the account holder. As a result, we 've closed your unauthorized transaction claim ''. I have requested copies of the documentation  PayPal  used in its investigation.
On XX/XX/XXXX I opened a savings account and funded it with {$1000.00}. On XX/XX/XXXX, with no notice my savings account was closed by BMO. A check was supposedly mailed to me but I was travelling and it was returned by the post office. It has been a nightmare trying to get this {$1000.00} back. I have called, chatted, messaged, XXXX and no one has been able to help me. I was told I could call a supervisor named XXXX XXXX at XXXX. That number was a fax so no help. I was told XXXX XXXX from the internet sales team would need to call me back. She never called. When I followed up I was told there is no one there by the name of XXXX XXXX. This has been a very frustrating experience. It 's even more frustrating that I have a checking account and it would have been possible just to deposit the money there. It also would have been very helpful if they had communicated the need for any paperwork or that they were closing the account. All in all a very bad experience with this account and all the customer service reps who could n't help.
My checking and saving account were frozen as a result of the investigation being conducted by the XXXX XXXX Sheriffs Department. After the conclusion of their investigation $ XXXX was seized. The account remains frozen subject to an investigation by the United States Secret Service Department, XXXX Branch, investigation agent XXXX XXXX ( phonetic spelling ). My attorney who is submitting this complaint on my behalf was told by the XXXX XXXX that they had concluded their investigation and authorizes the release of all funds. When my attorney informed me of this, I attempted to obtain by funds and found that Saving Account is released but Checking account is still Frozen. Bank of America Customer Service is not giving any information about my Checking account. As a result I am filing this complaint.
On or about XXXX XXXX, 2015, I was served a summons in regard to a default on a loan in the amount of {$3500.00}. The summons which was stamped filed on XXXX XXXX, 2015, did not provide an attachment of any valid legal contract evidencing the debt, with the original date and terms of the debt, with my personal signature on a contract of this alleged debt. 

I have never personally applied for, nor have I ever signed a contract with Republic Finance LLC for a loan of this alleged debt. 

On XXXX XXXX, 2015, I have written Republic Finance LLC in regard to my dispute and validation of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and have requested that Republic Finance LLC provide me with competent evidence that I have any legal obligation to pay them by providing me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with a copy of the contract that show I agreed to pay what is claimed I owe ; Identify who is the original creditorThis request is being made within 30 days due to a summons filed on XXXX XXXX, 2015. I 've requested under the Fair Debt Collection Practices Act, 15 USC 1692, that Republic Finance LLC, cease and desist all debt collection activities until it validates this alleged claim. 

Furthermore, upon review of my credit reports, Republic Finance LLC is reporting this erroneous debt to various credit bureaus as well, in Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterI further request that Republic Finance LLC, in addition to cease to and desist any collection activities, withdraw any court filings, and remove this erroneous item and update my credit report as soon as possible. 

Thank you for your time and consideration in reviewing this issue.
I applied for a Merchant processing account with XXXX, also going by the name of XXXX XXXX, on XX/XX/2018. 

I specifically asked the salesperson prior to submitting my report if this was a soft or hard inquiry on my report, because I was going to be looking at buying a house soon, and did not want any hard inquiry done on it. I was completely and unequivocally assured it was not, that it was a soft inquiry, and proceeded to apply for the account. I am the owner of my company, so when we do this type of thing, it is my credit account that winds up being used. 

I then received a hard hit on my credit and was furious. 

I called the company and expressed my frustration but they initially denied that it took place. Then when I pressed them, I was given some run around excuse that it was because as a merchant account, the funds were held in a bank for a day and so they have to handle it like a credit application, which was total rubbish. They refused to remove it. 

I then contacted transunion, and much to my horror they stated that they only way why would remove the hard inquiry is if the issuing party sent them " a deletion letter ''. I explained that the company already refused to do so, and did a hard inquiry without my permission. They refused to remove the unauthorized inquiry. 

I am shocked and livid that I am not receiving the help that I need to remove this. 
Transunion is basically saying, that unless a criminal tells on themselves when they misuse your credit report, that they refuse to honor the consumers rights. That's insane and that's completely against my rights, as well as the law. 

I have contacted both parties on 3 occasions now, once in XXXX, once in XXXX, and once in XXXX, with no results. In fact when I dispute this with XXXX in XXXX, they closed my merchant account on the same exact day out of retaliation for attempting to resolve this. 

I've been through both identity theft, and tax fraud, and I absolutely need to make sure that my information is safe, and that people are not using my information in any way I did not authorize. 

Please assist me in removing this hard inquiry on my reports. I did not authorize it, and was not given accurate information or support by either entity. 

I do not know what documents to share, but the hard inquiry is on my report, and I have a copy of the letter sent to me by XXXX in XXXX in needed.
Submitted dispute to equifax about unauthorized Inquiries nothing done about them, I 've since added a fraud alert to my report