WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I mailed out disputes to XXXX, experian and XXXX in reference to inquiries that showed up on my credit report. I asked each credit bureau to provide proof of these inquiries in writing. The response I received XXXX was a generic letter telling me to contact the creditor from XXXX XXXX removed two inquires but nothing else on the others, experian sent me a copy of my credit report. Stating that if you look at the bottom of this page if the items you contacted us about do n't appear this means these items are no longer effecting your report or our investigation was able to confirm the item.
On XXXX/XXXX/15, I accepted an invitation on an interstitial screen of my paypal account to apply for paypal credit, dba billmelater.com. I completed the online application quickly and the next screen said I would have an instantaneous decision. I was rejected for credit w/no explanation. 

I have a FICO score of XXXX and am a person of wealth. I found the company 's credit decision shocking. I phoned their call center and was told I would receive an e-mail explaining why I was rejected and that it would be send to the e-mail address on file for my paypal acct. 

I have never recd an communication from this company about this or anything else. 

This violates Federal banking and credit laws. If my credit has been compromised or damaged as a result, I need to file charges against paypal credit, but I can not do so w/out a full explanation of their decision. 

If this has happened to me, I have to conclude it has happened to many others. You need to investigate them
XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
On XX/XX/XXXX, I sold a property at XXXX XXXX XXXX, XXXX, TX XXXX as a short sale. I had XXXX liens on the property. There were NO lines of credit on the property. On XX/XX/XXXX, the loans were transferred to Bank of America, which is when my nightmare began. This is my 3rd COMPLAINT with Bank of America for this same property. Bank of America harassed me over payment for the loans and a property which had been sold. Additionally, they are erroneously reporting the first lien account number # XXXX on my credit supplement as a close date of XX/XX/XXXX, which is COMPLETELY inaccurate. Additionally, they are reporting the loan as a line of credit, AGAIN MORE INACCURACIES from Bank of America. I honestly do not know what else to do. I am trying to purchase a home with a very tight window for closing, and Bank of America refuses to assist me. I have called numerous times and I simply get transferred around with no help. I need someone, ANYONE AT BANK OF AMERICA TO SEND A LETTER TO MY EMAIL ADDRESS STATING THAT THE PROPERTY WAS SETTLED AND CLOSED XX/XX/XXXX. I NEED THIS AS SOON AS POSSIBLE. I AM ATTACHING THE HUD-1 SHOWING THE PROPERTY WAS SOLD ON XX/XX/XXXX ALONG WITH THE SHORT SALE APPROVAL LETTERS FROM XXXX SHOWING RELEASE OF THE LIEN AND THE ACCEPTANCE OF {$170000.00}. THIS BANK IS SO UNETHICAL. BANK OF AMERICA TRANSFERRED THE LOAN TO XXXX AFTER THEY SENT ME A CANCELLATION OF DEBT. THEY SOLD IT TWO YEARS LATER. AGAIN, UNETHICAL PROCESSES OF BANK OF AMERICA CONTINUE. THERE IS NO ONE AT THE BANK WILLING TO HELP CORRECT THEIR MISTAKES. I COULD GO ON. THIS IS THE ONLY COMPANY I HAVE EVER ENCOUNTERED SUCH AGGREGIOUS PRACTICES. SURELY THESE PROCESSES ARE UNLAWFUL. I DO N'T KNOW WHAT ELSE TO DO. THIS BANK CONTINUES TO REPORT INACCURATE AND FALSE INFORMATION. CAN THE CFPB INVESTIGATE THE FRAUDULENT PRACTICES OF BANK OF AMERICA? I AM SURE THAT I AM NOT THE ONLY ONE WHO CONTINUES TO SUFFER AT THE HANDS OF THIS BANK. SOMEONE HAS TO STOP THIS.
Enhanced recovery is reporting an account on my credit reports which it said it would deleted ... The account was paid & should have not been placed on my credit ... Enhanced Recovery is aware of the issue & agreed to remove ... I need this removed at once as it impacting my ability to get a loan
us bank is the problem i had gone in to be put on my mom 's account as a poa, they did not accept the legit paperwork but the problem is i told the branch office where i had been in the first place NOT to run my credit because i did not need a line of credit all i wanted was to be the poa for my mom, XXXX took it upon himself to run the credit report and he did not tell me. i saw it on my credit report for a XXXX line of credit, i closed that account right away i filed complaints with the credit companies explaining i never authorized this and now it has lowered my score and will stay on for several years, i have asked us bank to remove it completely from all credit bureau and they have not cooperated, i called the branch and i called the XXXX number on the credit report and nobody has responded back to me. 
us bank can not do that because i never authorized that. now they took it upon themselves not to put me as poa on my mom 's account and did this line of credit that i did not authorize and did it behind my back, i told XXXX DO NOT RUN MY CREDIT, i had no interest in a line of credit, they are not coorperating with taking this off my credit reports, us bank should be completely off my report
Mns Associates llc is harassing and calling my Family, employers, and people I know. I do not owe any debts to them. They are harassing people. They have not tried contacting me. But instead harassing and calling all of my contacts. I want the harassment to stop. I want all of the calls to stop. I want mi further contact from them. I do not owe any debts to them.
I called USAA on XX/XX/XXXX to report my Amex stolen. I later received an account notice that card info for XXXX XXXX  had been updated to allow purchases while a replacement card is shipping. The morning of XX/XX/XXXX I attempted to purchase groceries and the XXXX XXXX  was denied 3 times. Upon contacting USAA they denied existence of the notification and said nothing about my having been informed of continued access to my credit and subsequent barring from use. I think this is a violation of consumer protection and credit standards.
I had an account with VW which was paid off by the Dealer in XX/XX/XXXX-XX/XX/XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies.

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted XXXX over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result XXXX updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show VW Credit as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and VW incorrectly and now I am being penalized. I also am complaining against VW Credit US for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.
XXXX XXXX calls my workplace 6-7 times a day, in addition to my job they have contacted my ex-husband telling him of a debt that has absolutely nothing to do with him. Also, they have threatened my mother, spoke aggressively with her and threaten to have me arrested. My ex-husband should have NEVER been contacted.
On XXXX/XXXX/16 I used electronic " Bill Pay '' at my bank, XXXX XXXX XXXX XXXX, to set up my credit card payment to Bank of America, which was due on XXXX/XXXX/16. The due date, XX/XX/XXXX, was a Sunday and my bank, XXXX XXXX XXXX XXXX had XXXX & XXXX blocked out. I could not set up a payment to be paid on XXXX/XXXX/16. Therefore I set it up for Monday, XXXX/XXXX/16. Bank of America did receive the payment on XXXX/XXXX/16. However, on XX/XX/XXXX they charged me a {$25.00}. late fee and {$6.00} interest for a total of {$31.00} in fees. I did n't realize that they had charged the fees in question until Friday XXXX/XXXX/16 because I was very, very busy in prior months and did n't have time to reconcile my account. My routine, in order to avoid late fees and/or interest, was to, upon receipt of the bill from BOA go to my bank website and set up the payment to be paid on the due date for the amount of the statement balance. 
On XXXX/XXXX/16 I called BOA and was told that they could n't reverse the fees because they had done a courtesy reversal XX/XX/XXXX for a payment that was 1 day late due to some XXXX thing that happened in which the payment did n't go through. I 'm glad that I just happened to check my account online the next day and realized that the payment had n't gone through. I acted on it immediately and BOA reversed the late charge and interest. BOA states that they can only do XXXX courtesy adjustment within a year. My issue is that this should not be treated as a courtesy adjustment ; my account should be credited for the amount of the fees by a higher up person that has the authority to do that. I feel the payment they received on Monday, XXXX/XXXX/16, was a timely payment since Sunday is not a legal banking day AND I WAS N'T ABLE TO SET UP THE PAYMENT USING A SUNDAY DATE AT MY BANK, XXXX XXXX XXXX XXXX " BILL PAY '' WEBSITE, WHICH IS HOW I PAY ALL MY BILLS. SUNDAY WAS BLOCKED OUT. The rule that I remember regarding payments was that the Monday following a Sunday due date was considered timely. However, BOA rep stated that I could have called them on Sunday, the due date, and even though they would n't have received the funds until Monday the payment would have been considered timely. For XXXX thing, I 'm not accustomed to making payments via the phone. I would have had to give account number and routing number in addition to other information that I do n't like to give over the phone. And for another thing, I did n't know it would make a difference ; I thought the payment would be considered timely on that Monday. 
Ironically, I had closed this account a month earlier and just happened to catch this late charge & interest before the final payment, which is due on XXXX/XXXX/16. I had the payment scheduled at my bank website for XX/XX/XXXX since XX/XX/XXXX again is a Sunday. Of course, now that I know I can make payment over the phone on the due date I will cancel the web payment since I certainly do n't want to be faced with a repeat of this nightmare. 
I am a low income individual and these fees will really hurt if not reversed.
ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit.
My accounts were closed on XX/XX/XXXX without my permission for an unknown reason. Both my checking and savings accounts were closed as shown on the attached screenshot. I had not missed any payments nor received any notice that my accounts were endangered of being closed. I would have expected at the last a phone call and voicemail to contact me directly. I tried calling the Wells Fargo fraud department and they told me they could not figure out why the accounts were closed so I had to go see a banker at the nearest branch. After meeting with the banker he discovered that my accounts were closed due to a social security number error (the checking/saving accounts SSN did not match my credit card SSN) and that a cashiers check with all of my money was being mailed to me within 10 business days and they could not reopen my accounts with my money. Given that those accounts were open in XX/XX/XXXX, it took them 7 whole years before they decided to randomly close my account and leave me without any money as I do not have any other accounts elsewhere. All of the money in my account are student loans so I have no other source of income. Not only am I worried about my checks for around $8,000 worth of loans being sent out in the mail but it is also preposterous that I am being punished (closed accounts) for an error due that the bank failed to catch 7 years ago. Now I am told I have to wait for my checks, and go back to the bank and reopen new accounts. I am unsure if I will go back to wells fargo, especially with the way my accounts have been managed.
I was approved for a XXXX modification in XXXX. I accepted all of the terms discussed. However on the final papers the Chase bank included a balloon payment. I declined the offer, circled the amount and wrote " what is this? '' This was not part of the agreement. I sent a letter and was waiting for a new offer. They processed the modification and included the balloon payment despite my letter of expressing disapproval, also requesting a fixed interest rate. 
On XXXX of XXXX, I sent a certified letter and requested to exercise my right for extended rescission. They reviewed the modification and offered me new terms. I currently owe {$120000.00}, the new modification makes the new balance at {$140000.00}, they included a balloon payment AGAIN and said they will forbear {$15000.00}. Again, I only owe {$120000.00}. I need help cancelling this fraudulent loan. After I wrote the bank a letter to request the modification to be cancelled they offered a bad faith offer adding $ XXXX to my mortgage balance without an explanation. 
This was predatory lending and violates TILA and RESPA rules. It also does not follow HAMP guidelines for the balloon payment ( {$65000.00} ). 
A financial attorney informed me that if I wrote on the margin of the HAMP final agreement that I did not agree with the term, and I initialed and dated, and they approved it, it implies that they removed the balloon. It is arguable in court. He explains that I changed the agreement by writing on the margin new terms. And if the bank approved and notarized it two weeks AFTER my signature. 
Further, I obtained the originals from the bank and it includes my notes, disapproval and question on the margin. 
I need the mortgage modification cancelled, so I do not have to pay for the balloon payment AT all.
I contacted the credit bureau 's as well as filing a complaint with the CFPB and called US Bank because they have put inaccurate information on my credit report regarding a charge off credit card with account number beginning XXXX. My credit reports were pulled on XX/XX/XXXX showing a Charge Off from XX/XX/XXXX and 6 late payments of 90+ days. I sent in the disputes that the date of last activity was inaccurate, stating that it is prior to XX/XX/XXXX. After submitting the dispute, the credit report was pulled again on XX/XX/XXXX now showing a Charge Off from XX/XX/XXXX and 43 late payment of 90+ days. These new late payments have been inaccurately added to my report. I contacted US Bank about this issue ; I was told that they report monthly and could not help me. However, it appears that the credit card decided to add 37 late payments as retaliation for my request to have accurate information on my report.
I receive continual phone calls from this company, and I have no existing debts. If I continue to receive phone calls from any number, of which I report, I will subsequently seek legal council, and pursue punitive recourse against further harassment.
On XX/XX/2018, I was contacted by a company that explained they were providing me online technical support for my computer. The company indicated they were going to provide me with {$170.00} credit ; however, they billed me {$750.00}. The company that took my money did not provide me the services they were supposed to and I did not authorize them to bill me {$750.00}. The company was supposed to provide me computer security, technical support, and increase my computer speed. When they billed me {$750.00}, I contacted them and cancelled services immediately on XX/XX/2018 because I did not authorize the {$750.00}. 

I contacted 5/3 to report this incident and they denied my fraud claim because they said it was my fault. 

I took my computer to XX/XX/XXXX to have it examined and XX/XX/XXXX confirmed this company installed 13 different kinds of malware and spyware. I had to pay XX/XX/XXXX {$200.00} to fix the issues that were caused by the company that did not provide me services as described. 

I am very disappointed in 5/3 service because I am an elderly woman and no one took the time to help me. I feel betrayed by the company that lied to me and my own bank. I am reconsidering my relationship with 5/3 because they are not assisting me with my situation.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Hunter Waefield Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Hunter Warfield Inc. The Apartment lease was only two months broken and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Hunter Warfield Inc. In this case my debt should be removed from my credit report and out of the office of Hunter Warfield because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
well XXXX got me, gave be a better deal was to pay of my XXXX and they also took 4 of my phones, well when I was a the XXXX store I let the XXXX guy get into my XXXX to have all payments cleaned up, 3 week later nothing I was turned into the collections agency 's for my XXXX, so I paid that, then every other day I would call to ask for a manger or would drive down well the guy who took care of me got fired but yet I was still determined to get to a manager, XXXX XXXX XXXX XX/XX/2017 was not able to drive for a few but could call, still no manger well was ready to do some driving still no manager to talk to so will XXXX breaking contract first buy not paying XXXX I shut XXXX off not only they owe me XXXX for paying back XXXX they also owe me for 4 cell phone they lost well here I am I disputed this with XXXX and was deleted from my report XXXX XXXX account # XXXX now someone else have bought it and placed all creditors on all my 3 reports I don't know what to do, not only have they lost it also fraud thank you XXXX XXXX XXXX
I have absolutely no idea who these agencies are that are reporting on my credit report ; did not ask any of them to report.
I spoke to two representatives from Conns customer service. My complaint was the principal balance was not being updated on my credit report. And has not been updated for months. 1st rep  said that she would put in a dispute 2 weeks ago. I never heard anything back about the principal balance. So I called again XX/XX/18 and the rep said she would put in a disuse. I have little faith in the stories these reps tell.
The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been XXXX by the federal Government XXXX XXXX ) 2 years ago. due to my permanent XXXX they have XXXX my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was XXXX XXXX XXXX. I explained to them that the loans were XXXX and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!
At approximately  XXXX   XXXX  on  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  contacted my cell phone and left a detailed message stating that they are legal notification and they would contact my supervisor.   " This is legal notification intended for  XXXX   XXXX . I 'm contacting you today in reference to your case through  XXXX   XXXX   XXXX . I 'd like to make you aware once your case is filed through the court it will become a matter of public record and there will be an order issued to have you located. Unfortunately, I was n't able to reach you by phone today and I have been instructed to contact your direct supervisor or human resource manager at your place of employment. you do have the right to contact the filing party prior to any further legal proceedings however once you 're located all legal rights to your case will be forfeited. That number to contact prior to your location is  XXXX  refer to file number  XXXX .  XXXX   XXXX , you have been legally notified. '' This message was left on my phone and also my mothers phone and my childrens phones as well.     I contacted the number and was ridiculed by staff member. They refused to remove the other phone numbers. Laughed at me for taking a payday loan. Proceeded to ask me ... just how old are you?   I indicated that I could start a payment in  XXXX    ( 30 days ) and was told that was too long.
I requested a letter be sent to my home but they would n't do that either.
I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX and Experian. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.