WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX    XXXX   I called   XXXX   XXXX   to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called   XXXX   XXXX   and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.
Navient offers no options for private loans for borrowers who can't afford the insane amount they ask each month. I'm happy to repay what I owe, even if the education I got with the loans has done nothing for me professionally. I have asked Navient in the past to do things like apply my payments to the balance first and the interest second, which they refused to do. I spoke to them over the phone to ask if I could lower my payments in any way and I was only offered forbearances and was told there was no possible way they could lower my payments. 

I've also asked them to validate my debt in the past, and they refused to do that too. My current monthly student loan bill is {$560.00}, which is almost half my monthly income. This is the second time so far this year Navient has raised my payment without reason. Last month my payment was {$550.00}, of which only {$90.00} went to the actual balance. At this time last year, my payment was {$520.00}. 

I currently have my federal loans in IBR and pay nothing on them because I only make about {$1300.00} a month. Because of Navient refusing to work with me and make my payments more affordable, I can not be an independent adult and live on my own. On top of all this, my total balance has gone up by several thousand dollars since entering repayment in spite of making regular payments of several hundred dollars a month for years.
filed s previous complaint # XXXX Shellpoint Mortgage Serviving. 
Shellpoint responded explaining what they could do and how shellpoint sent me an authorization to sign then they responded laying out what they would do. 
They did nothing the credit agencies reported for XXXX day and removedany thing to do with Shellpoint. Shellpoint is messing with our lives ourcredit reports this is causing a rollercoaster with our creditscores.
I old the card like XXXX and they add interest of XXXX, of total of % XXXX i call to see if they can reduce the amount to what really i old, and XXXX of the costumer services star talk to me agresive and say he dont care, he dont old money iam who old the money. this happe today at XXXX pm- XXXX/XXXX/XXXX. 

I dont pay any money becaus ethe action of the worker, and i call back to talk to a XXXX  but he refuse to collect the correct amount.
There are 5 name on my credit report that Ive been trying to correct for almost a year ... .. 
XXXX XXXX XXXX - not me XXXX XXXX XXXX -not me XXXX XXXX XXXX - not me XXXX XXXX -not me Ive paid in good standing XXXX car loan XXXX XXXX XXXX Never lived in any other state 2 address XXXX XXXX XXXX XXXX nj XXXX-me XXXX XXXX XXXX XXXX nj XXXX -me XXXX XXXX
I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX  directly however the company ignored my request.
The bank repossed my car for late payments. Even when I had the proof of being on time. They kept the car until they found the missing funds.
I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to XXXX.
I noticed in my credit report have several hard inquiries I do not inquired or authorize. They put negative image on my credit score and it need to come out of my score as soon as possible. They are as follows : XXXX XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX XXXX cred inquiry from XXXX XXXX never inquired or applied anything with them ; XXXX-inquiry from XXXX XXXX, XXXX not authorize or inquired anything from them ; XXXX XXXX XXXX XXXX XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never applied or inquired anything with them ; XXXX XXXX inquiry from XXXX XXXX, XXXX never inquired or applied anything with them ; XXXX inquiry XXXX XXXX, XXXX never inquired or applied anything with them. These are the companies I found made inquiry in my credit report without my consent or my approval and I want them remove from my credit report as soon as possible.
In XXXX of XXXX, Bank of America reported an open mortgage account on my credit report and listed the account as going into foreclosure. This account has already went into foreclosure and the final judgement and property sale were complete in XXXX, XXXX respectively. I have contacted Bank of America Customer Service XXXX on several occasions and told them that this account has already been resolved and that they actually own the property. At first they lied to me and told me the final judgement had been thrown out and that the case was going back into foreclosure, I asked for proof and never received anything. Twice during conversations I was escalated to a supervisor and was given a fax number to send in my documentation, both fax numbers did not pick up or allow me to send my documents XXXX XXXX / XXXX XXXX so I mailed them a copy of the final judgement and the notice of sale. I want this corrected and off my credit report, and after 5 calls to Bank of America to resolve this I have no confidence that further communications with them will resolve anything
On XXXX XXXX, 2016 I initiated a dispute with trans union for incorrect dates to my account with the company XXXX so i wanted them to check the dates for this account and instead of them doing so they just deleted record of my account from my file. Since then the amphibious base has reported my car account to them monthly but they deleted it with out doing a proper investigation now when my credit is pulled its as if I do n't even have this account. Trans union needs to get this corrected and added back to my credit report because it is hindering me badly. I am been in contact with the XXXX and they contacted trans Union and it was stated to them that my report is suppressed. I just want my information corrected and trans- union refuses to update my report correctly. this needs to be further investigated as to why they are treating their investigations like this just delete the report so they do n't have to do the work. I have attached a copy of the dispute that i submitted.
This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XXXX XXXX. I have no contract with this company. The account that they are reporting was charged off in XXXX XXXX. I would like the collections account on my credit report from Portfolio Recovery Associates, LLC to be deleted due to false information. I paid the original creditor " XXXX XXXX '' the remaining balance before it was sold to Portfolio recovery associates, LLC. 

Also, this company is not authorized to collect debt in the state of Florida according to the secretary of state. 

account XXXX
I have a mortgage that is serviced by Roundpoint Mortgage Servicing Corp. The loan was a refinance that originated in XXXX XXXX. We have been current on the mortgage ever since its inception, paying bi-weekly to reduce the overall lifetime cost of the loan. We reached 80 % loan to value ratio months ago, but Roundpoint refused to eliminate the mortgage insurance monthly premium until the loan was at least 2 years old. Currently, we are well beyond 2 years since the origination. This month XXXX XXXX XXXX XXXX, our loan principle reach 77.8 % LTV. Roundpoint 's website says that once a loan falls to 78 % LTV, the PMI ( mortgage insurance ) will automatically terminate. So, I just contacted them via phone to arrange this. Now they tell me that they will not remove the PMI until XXXX XXXX, when they " scheduled '' the loan to reach 78 % LTV. Because we have been paying bi-weekly since the loan 's inception, we reached 78 % earlier than they " scheduled '' it to occur. However, I feel this is arbitrary and nonsensical. Moreover, since XXXX facilitates my bi-weekly payments through automatic withdraw, they should have adjusted the date the loan was " scheduled '' to reach 78 % LTV accordingly.
XXXX  and Equifax are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.
After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of XXXX  breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and XXXX
On XXXX XXXX, 2016, we contacted Wells Fargo Customer Service by phone and asked for our XXXX Wells Fargo accounts to be closed : a Checking account, a Balance Plus account, and a Wells Fargo Advisors account. The customer service representative told us that the accounts would be closed immediately and verified our mailing address so that they could mail a check to us for any remaining funds. On XXXX XXXX, we received two letters from Wells Fargo. One letter, from the Deposit Products Group, dated XXXX XXXX told us they were converting our checking account from a PMA account to a Wells Fargo Everyday Checking Account and included a list of fees. The other letter, from Wells Fargo Advisors, dated XXXX XXXX, was a PMA Benefits Expiration Warning and a list of fees. Apparently, Wells Fargo has not honored our request to close our accounts. Instead they have converted them to some other types of accounts that we did not request. We would like to get Wells Fargo to close our accounts, refund any fees they may have charged since XXXX XXXX, and send any remaining funds to us.
This complaint is against AARGON AGENCY INC this account was reported to XXXX on XX/XX/2015 AARGON Agency did not send me a letter of notice of right to dispute. I have heath insurance that was suppose to pay my medical bills except the co payment of course.
TCF : I TRIED TO REFINANCE WITH TCF NUMEROUS TIMES. THEY DO N'T WANT TO REFINANCE WITH ME I THINK BECAUSE I HAVE BEEN PAYING MY MORTGAGE ON TIME. THE RATE I HAD THEN WAS 7.5 %, WHICH WAS A MORTGAGE OF {$920.00} A MONTH. NOW IT IS {$1000.00} A MONTH. I FEEL LIKE I 'VE BEEN TAKEN ADVANTAGE OF BECAUSE OF ME BEING IN A XXXX PROGRAM, AND THE FACT THAT I'AM A VETERAN. THEY ALSO TOLD ME THAT TCF WAS GIVING UP THEIR CONTRACT TO XXXX XXXX. THIS WAS 3 YEARS AGO. LIKE THIS WAS REALLY SUPPOSED TO MAKE A BIG DIFFERENCE. NOTHING WAS DONE ON THEIR PART. I 'VE HAD ALOT OF FINANCIAL DIFFICULTIES AND GETTING NO HELP FROM THEM ON THIS PART. WHAT CAN I DO ABOUT THIS? I 'VE HAD TO DO A BANKRUPTCY IN 2016 BECAUSE OF MY DIFFICULTIES. HELP!!!
Capital one bank USA -10/05/2017
Infiniti financial S - 06/23/2017
Fingerhut/Webbank-05/03/2017
Carmax auto finance 04/20/2017
Capital one bank USA 03/05/2017
Badcock home furniture 02/10/2017
Premium motors lauderdale 02/08/2017
Carmax auto finance 11/16/2016
Capital one bank USA 09/30/2016
Carmax auto finance 09/05/2016
Citibank na best B 06/07/2016
Motor house inc 06/06/2016
Credco 06/06/2016
Discover Bank 06/03/2016
Carmax auto finance 05/26/2016
AT&T services inc 05/07/2016
Capital one bank USA 04/20/2016
Carmax auto finance 03/10/2016
I used the website www.experian.com to pull credit reports from my mom and my dad. I thought when I was just pulling a credit report and then find out that it is a membership for credit monitoring. I tried to cancel the membership with the company and they refused to cancel. I tried to get a number for the billing department and they refused to give me the number to call billing. The only number they would provide is a number for their membership services. Their website is also misleading because the company does not disclose that they are not the credit reporting agency experian. This company should disclose on the first page of their website that they are a for profit business and that they are not the credit reporting agency. Experian.com should be required to disclose that they are not the credit reporting. When I talked to XXXX XXXX # XXXX she verified that the company would not disclose the phone number for their billing department. The only phone number provided to me from XXXX was the number to their membership department.
On XX/XX/XXXX, and with an account balance of XXXX, we accidentally sent XXXX XXXX XXXX,  Florida, {$2100.00} from our XXXX XXXX account, a payment intended for another organization. The money was subtracted from our checking account and went to XXXX ( serviced by XXXX XXXX ).  We notified XXXX of the mistake and they refunded the amount on XX/XX/XXXX, a satisfactory outcome. This should have closed the matter, but it did not. 

In my XX/XX/XXXX bill and thereafter they unaccountably charged me for that same amount. Recall that I had a XXXX balance. They initially claimed that they did not get my payment of XX/XX/XXXX, although I sent them my bank statement showing that they did. XXXX XXXX  had not blocked payment. 

XXXX changed its story and claimed that they had sent out two refunds of {$2100.00} on XX/XX/XXXX. They gave no explanation of why they would send two, nor did they send evidence of a second refund. They never made a second refund, but they keep billing me as if they had, and with mounting interest. 

I have phoned XXXX XXXX/XXXX numerous times, talked with various customer service representatives ( XXXX, XXXX, XXXX, and others ) and have sent notarized copies of my bank statements. 

XXXX XXXX, it 's legal department, and XXXX XXXX XXXX, the branch manager have become involved and have sent statements and letters verifying that I never received anything but the initial refund of {$2100.00}. XXXX XXXX spoke at length with a supervisor, XXXX XXXX (? ) on XX/XX/XXXX. 

XXXX seems unable or unwilling to drop the fictitious charge. I have supporting documentation.
Portfolio Recovery Associates has repeated cycled and called regarding a {$180.00} debt. Years ago they claimed it was from a XXXX debt that I paid off, and when that failed someone on the phone said it was another debt that I paid off, from XXXX. Currently my credit report says XXXX XXXX was the original creditor. I never owed XXXX XXXX. When I asked for any kind of proof of debt to be sent to me, they claimed they did not need to provide one. They claimed that the burden of proof was on me to prove I did NOT owe the money. I am not interested in falling prey to some kind of scam, otherwise I would just pay it off.
Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for Trans Union was XXXX, and XXXX was XXXX. 

3. I was shocked and dismayed to find that Trans Union penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and XXXX 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from Trans Union, and have the 16 points added to my original score of XXXX ( XXXX ). Although XXXX was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness.

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX
XXXX XXXX has sent me a notice to collect a debt in the amount of {$550.00}. This collection agency is not licensed for business in Texas, nor are they registered with the Texas XXXX of XXXX ; therefore can not attempt to collect a debt.
Wells Fargo Home Mortgage is incorrectly reporting an account on my credit report. My account was closed in XXXX and for some reason Wells Fargo reported to XXXX in XXXX which is voiding the item from falling off the XXXX bureau by statue. I contacted Wells Fargo and they told me my file was archived and they could not verify information or help. This reporting is in violation of fair credit reporting practices and also preventing me from obtaining a new home loan.
Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,  2017 . I never authorized a credit check for anybody in the past   XXXX   years. it is showing up on my  XXXX  report
I disputed the following collection accounts below directly with Experian twice and with XXXX XXXX XXXX. All three times, my disputes were ignored and a proper investigation was not complete. This leads me to believe the accounts are not mine. I even submitted this same dispute to XXXX and the accounts were deleted no problem and attached a copy of them being deleted from XXXX as proof. I also included my dispute letters to Experian and to XXXX. 

XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
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I was put in collection in error in 2017, I had contact the XXXX   office numerous of time advising them that there were a check issue for XXXX XXXX for amount of {$2100.00} and for XXXX XXXX {$6500.00} which was made out to my Ex-husband which he admitted taking the checks for his personal use, I contacted the XXXX XXXX spoke with XXXX regarding this matter fax over all documentation from the court hearing and still no luck. I checked my Credit report with XXXX, Transunion, XXXX   and all three creditor has me in the report giving a BAD score. This has affected me personally I'm in distress can't buy a house because this is in my credit report for all three bureau. The responsible for this monies own to any/and all XXXX  is my ex-husband which can be verified by the attached divorce decree holding myself harmless for any monies owned to this XXXX   XXXX XXXX {$69000.00} and XXXX XXXX {$2100.00}. Please help me I have already attempted with all three credit bureau send all court order plus hired a lawyer to go back to court I'm out of resource of how to flight this error with the credit bureau I need my name to be clear in order for me to purchase a House. Thank you for your time. Have a blessed day.
My complaint is about a {$11000.00} " capitalization fee '' that I was charged for a loan modification back in XXXX, that reduced my mortgage loan interest rate from 9.0 % to 8.25 %. I contacted my mortgage company twice to have them send me my original loan documents and the modification documents, which they did send me some documents but they were minus all of the pertinent information. I eventually found my documentation from the modification, which is why I know that they charged me {$11000.00}. The reason why I think that there is something amiss about this is because they didn't send the complete documentation and their reluctance to assist a client who has been making on time payments since the modification in XXXX. 
I also just happened to read an old article from a XX/XX/XXXX " XXXX XXXX '' about a woman that was approved for a loan modification for her house and was charged a " closing fee '' of {$11000.00}, which the bank had to correct after the woman contacted your agency. I don't know if it's similar in any way, but I have no other recourse.
The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Experian has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.