WillisBack/dataset-financial-user-claim huggingface dataset:
For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on Experian and XXXX for unauthorized inquiries on my Credit Reports. Today which is XX-XX-17 I called Experian and XXXX only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my XXXX Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called Experian and the rep was so rude she would n't even let me get a word in. She then tells me that Experian is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from Experian and XXXX that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.
XX/XX/XXXX This is the supporting information enclosed with the letter of dispute dated XX/XX/XXXX. 
This charge of {$400.00} is invalid. 
Here is the detail information of this incident : 1. In XX/XX/XXXX, I purchased a new, unlocked iphone from XXXX. ( Encl.1-A ) 2. I received an unsatisfied product because of the DISHONEST BUSINESS PRACTICE conducted by XXXX third party seller, Q1W. The phone I received is a pre-owned, locked by XXXX 
3. I contacted XXXX to request a refund. But XXXX refused to offer any assistance stating because the order was fulfilled by third party seller, there is nothing they can do. 
4. I began contact the seller for refund. The seller insists that it is a new phone. During the conversation, the seller even suggested " jail-breaking '' to make it work. I refused because a new phone does not need to jail-break, and it would potentially void the warranty. Furthermore, it indicates that the phone I received is not brand new ( The seller knew it. ). 
5. In the meantime, I also filed dispute to XXXX ( now XXXX ) explaining all the details 6. With the help of XXXX, I have obtained a report that clearly shows this phone 's previous owner 's name and address. ( Encl. 1-B ) 7. I presented this evidence to the seller and XXXX. The seller finally agreed to offer a full refund. 
8. I sent back the phone as per seller 's instruction and tracked the progress closely. I compiled a file listed all the actions I took during the process. ( Encl.1-C ). 
9. The same timeline of the progress was also sent to XXXX for verification ( Encl. 1-C ) .The final notice # XXXX dated XX/XX/XXXX received. The charge of {$400.00} was removed based on the facts that the wrong product was sent to the customer and I have put my best efforts to return the product and have the wrong charge removed ( Encl.1-D ). Everything seems to work as it should be. 
However, unfortunately ... ... .. 
NewEgg, the original seller of this purchase, refused to provide any services to their customer in the first place. I, as a customer was forced to bypass NewEgg, to proceed the product return and refund on my own. 
Worse yet, NewEgg later imposed a charge back against my PayPal account for the money they are absolutely not entitle to collect. And, and NewEgg suspended my account all together. 
Based on the information provided above, it is crystal clear that the charge of {$400.00} is invalid. Under no circumstances, I should pay for the product/service that I do not receive.
I had taken loans for my education, recently I was XXXX I have been unable to find work in my field of study, I live on the verge of being homeless everyday. My Navient loans ( which was XXXX XXXX when I took them young and dumb ) have gone into default I tried to offer them XXXX per month until I can find gainful employment. I have been told that is not " acceptable '' They have basically refused payments from me. I talk to them they claim they will call me back they do n't. They try to talk in circles to me and when I call them on what they have said they say that I am wrong and I am twisting their words. I have asked them to give me my options in writing as they only give me half of the story when I speak to them. Their collection staff is full of collection agents that are nothing more than bullies. I am discussed and sick over this and would love for the government to investigate them for shady lending practices and abusive collection practices. I am sick of being spoken to as if I am stupid and not on the same mental level as these individuals that they employ that for whatever reason feel they are better than I am in some way.
I have two hard inquires on my credit report with Transunion and XXXX  for credit cards or some other type of applications signed with my name in which I never applied for. 
The first one is with a used car company called XXXX XXXX XXXX in XXXX. HI XXXX ) XXXX, XXXX reported on XXXX2017. 
They would not work with me to investigate this hard inquiry. 
The second hard inquiry is with XXXX out of XXXX. GA ( XXXX. 
They issue gas cards for XXXX gas station that I never applied for and was reported on my credit report on XX/XX/2017. 
I have contacted everyone and still nothing has been removed even after writing letters and copies of my identification with my picture and signatures. 
I just like these 2 hard inquires of of my report since the rest of the inquiries are mine. 
None of these businesses or credit bureaus are willing to remove these two hard inquires that are not mine. 
Trying to build credit and I do not apply for credit unless I am trying to get a bank loan.
The Legal entity ( GECRB HBC ) is reporting negative debt on my credit file, but this company does not exist as doing business in XXXX and the contact number provided for the negative report belongs to Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX in the United States. I called Synchrony bank at the number reported on my credit file ( XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX ) and spoke to XXXX. XXXX checked for my name XXXX XXXX and my date of birth in their records and stated : " we do not have you in our records on file maam ''. GECRB XXXX is not a legal entity doing business in XXXX. I would like this negative report removed from my credit file from XX/XX/XXXX -Equifax confirmation # XXXX. Attached Document : print screen of my XXXX credit report on XXXX XXXX, XXXX Thank you.
On XX/XX/XXXX I was seen at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, for a XXXX. I was XXXX and had a BRIEF consultation with a physician. I was placed in a XXXX and discharged. For that, I was billed an outrageous amount of {$3000.00}. The hospital deducted {$1000.00} and the insurance paid, leaving a balance of {$1300.00}. 

After arriving back home in XXXX, I went to see my own doctor on XXXX who also XXXX and made an assessment and billed me {$470.00}. 

My insurance paperwork from XXXX XXXX of XXXX states " The amount billed is greater than the amount allowed for this service. Based on our agreement with this provider, you 'll not be billed the difference. '' I repeatedly receive bills from XXXX XXXX and have twice sent in my insurance paperwork as well as faxing the same. XXXX XXXX has never responded to me as to their agreement or dispute of the paperwork. I was surprised then, to receive a notice from Professional Credit Service, located at XXXX XXXX XXXX, XXXX, XXXX XXXX ( or XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) attempting to collect this debt of {$1300.00}. 

I feel the exorbitant amount charged by XXXX XXXX, especially when compared with my doctor 's visit just 4 days later, was a deliberate and excessive charge on a patient residing out of state. My XXXX residence hinders me challenging this as I can not travel back and forth to obtain information and, as I 've mentioned previously, the hospital has refused to communicate in any way.
Many students have been having issues with XXXX regarding the living environment and the way that the Cashiers Office, Accounts Receivable and/or the Financial Aid office assists and/or communicates with their respective offices on behalf of your account. 

An example of this comes through a friend named XXXX XXXX XXXX, who can provide her own details regarding her account in more detail, but has similarities to my own complaint in the regard of XXXXL attempting to collect funding independently on our respective accounts. XXXX has attempted to charge myself and others with amounts that are not indicated on our accounts, place such matters on our credit reports and/or send such to an outside collection agencies ( or threaten such actions ). 

Empirical evidence comes through XXXX sending such matters to outside collection agency XXXX XXXX XXXX through XXXX. Upon review, XXXX XXXX XXXX advised that debt was not accurate according to records XXXX falsified to send off to them & /or did not verify a debt was out in accordance to the times that the student was a student on campus. 

Additional complaints to CFPB involve XXXX to take threats of action from retaliation from OCR complaint ( please contact Department of Education ), as well as XXXX - Case # XXXX, that additional information can be found in reference numbers XXXX & XXXX. 

The most recent letter that bringsawareness of this practice by XXXX comes from collection agency, " The XXXX XXXX, XXXX '' Where XXXXL, " XXXX XXXX XXXX XXXX XXXX '' is named as the, " Creditor '' for Account Number, " XXXX XXXX '' & CS Number, " XXXX '' with Reference Number, " XXXX ''. They are attempting to gather funds that were previously sent to XXXX XXXX XXXX from XXXX. The current amount due is XXXX. 

Other individuals have had these matters occur and had their credit damaged as I have through this practice, yet their amounts have escalated and even skyrocketed into the tens of thousands, yet started off similarly to the amounts I have indicated. At present I have no way to enter campus to resolve such matters, while defending myself again assault which occurred on campus. 

Matter is currently a form of harassment for speaking out against practices that went against the XXXX XXXX XXXX 

Matter is referenced in XXXX XXXX & XXXX XXXX Releases from XX/XX/2018
NAVIENT ( or XXXX ) is not updating my student loan payment information, which is adversely affecting my credit score ( see document # XXXX XXXX. Over the past year, I paid approximately {$10000.00} per month, and I paid off my student loans in XXXX 2016 XXXX see document # XXXX XXXX. HoweverXXXX shows that I have a balance of {$100000.00}, which is incorrect ( see document # XXXX ). I have not had a balance that high since XXXX. I called NAVIENT on XXXX XXXX, 2016, and the customer service representative was unhelpful, saying the issue is with XXXX, although she could not tell me if NAVIENT had sent the correct, updated information to XXXX.
I received a collection letter from PMAB , LLC dated XX/XX/XXXX regarding a medical debt. I responded to the letter within 30 days dated XX/XX/XXXX and requested validation of the debt. I received a response from PMAB , LLC dated XX/XX/XXXX that the debt was returned to the client and closed off my credit report. PMAB, then reported a collection debt of {$1900.00} to my credit reports XX/XX/XXXX. 

I am filing this complaint because PMAB failed to send validation of the debt and PMAB is falsely reporting a collection of {$1900.00} to my credit reports that they do not own. They sent the collections account to my credit reports after providing me with documentation that the account was closed and returned to the creditor.
XXXX charged me {$320.00} for a car rental that includes over {$120.00} in fees that were either not disclosed to me or they can not prove. Bank of America ( BofA ) refuses to reopen a claim of this on my behalf, since this was on a credit card. The " proof '' that BofA accepted as proof of my authorization to debit my credit card is a blank sales invoice from XXXX that does n't include any information regarding what the fees are for. XXXX is refusing to provide me with any information, and BofA is also refusing to provide me with any information that XXXX has provided to them. I have attached the invoice that BofA accepted as proof. As you can see, this is merely a typed up " invoice '' with a random list of numbers, that conveniently adds up to the {$320.00} total that has been charged to my credit card. I have attached screenshots of my conversation with XXXX that demonstrate they do not have any proof that I authorized this charge.
I recently reached out to Experian about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Experian yet again and was told to file a complaint here. 
This is the list of inquiries that Experian refuses to remove that I did n't authorize. 
XXXX Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
XXXX XXXX has committed fraud, predatory lending, and has ripped me and XXXX other young students off. XXXX XXXX has completely ruined my financial futures with lies and deceit. They pulled the XXXX degree program out of the school after I had already started attending to obtain my XXXX XXXX degree. Then they placed me into a different XXXX degree program without ever having the proper prerequisite courses to prepare me for the XXXX program. They have completely set me up for failure and have lied to me every step of the way. My campus in XXXX XXXX, FL is now closed down and I have absolutely no recourse. I have been paying these fraudulent loans for close to 10 years and I still have a long way to go. Everything they have promised me has been a complete lie and I am seeing absolutely no benefits from attending this school. I had to do many months of research to find out where these loans even come from and who is backing them. USA Funds Inc are backing these fraudulent loans and they have done everything they can to hide this fact. The Department of Education has given XXXX us, who have filled out Defense to Repayment applications, the complete run-around and are trying to sweep us under the rug. They are profiteering on the hopes and dreams of young people and are crushing them with unmanageable debt. XXXX XXXX is a complete scam and if you do a simple XXXX search of XXXX XXXX you will see thousands upon thousands of negative opinions of the school and the myriad of lawsuits filed against them from attorney 's general, The SEC, The CFPB and many others. These toxic, fraudulent and predatory loans are backed by USA Funds , Inc.
Each time I call XXXX and Equifax for and annual copy of my credit report they always ask me questions that do not pertain to me then when I answer them they tell me I didn't answer the guest ions correctly. I asking that XXXX and Equifax ask accurate questions that pertain to me and when I answer right for them to except my answer.
A few years ago I filed a complaint with FCC and fraudulent billing from XXXX XXXX. They were caught XXXX billing my account more then XXXX times. XXXX XXXX closed my account and issued me a refund and refunded all deposits. A XXXX later I started to receive bills from other companies over a {$99.00} charge. This charge was not accurate. I should never have been charged additional months when the account was closed and I was with another company. In addition, if I owned them money, why would n't they deduct the charges from the XXXX dollars that they over billed for. 

I filed complaints and I thought the issue was resolved, until 3 weeks ago. I found the " charge-off '' from XXXX XXXX on my credit report. Today, I was surprised by a letter from Jefferson Capital Systems LLC stating they are taking over my XXXX XXXX account. There is XXXX reference to the amount on the account numbered : XXXX. 

1. I do not owe XXXX XXXX any money because my account was settled in full and I was issued a reimbursement for their XXXX billing. 
2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account? 
3. I have already had my credit destroyed because I had the mistake of working with XXXX XXXX. They retaliated against me because I filed several complaints. 

XXXX XXXX has violeted my Fair Credit Report Act protection.
Did you know that Uber offers the option to lease cars to its drivers? Drivers who are often financially desperate and fiscally uninformed individuals and who are often new to this country. And the fees that Uber and its affiliate are charging to lease these vehicles are predatory. I mean the monthly equivalent of {$610.00} to lease a Toyota Corolla ( 156 payments at {$140.00} per week )? Seriously? This is absolutely predatory! And I 'm afraid that people are doing it because they fail to realize that they may qualify for much cheaper leasing options elsewhere and they do n't realize how much they are actually paying.
My loan was transferred from XXXX XXXX to PHH. I have typically received a statement and pay online. I did not receive any kind of statement from them and they charge XXXX for online payment unless I go to paperless billing. I was told all fees and charges remain the same.
I do n't owe this company any money, I never had a at & t account. I will not pay for a debt that do not belong to me.This account is fraud and I will not be responsible for this debt.it is illegal for this company to obtain my personal information from another company. I 'm tired of being harassed about this account. I know my rights
Atlantic Bay Mortgage recklessly double paid my homeowners mortgage even though I had already timely paid it directly with XXXX XXXX and informed Atlantic Bay I had paid my premium timely. Because of Atlantic Bay 's avoidable mistake, I have been financially harmed.
On three attempts my paypal account : XXXX has been limited to balance usage and in attempting to fix the issue I incurred some misrepresentation by the customer service team for the verification option o clear the issue of the restriction. 

The holder of the paypal account had only the verification option left to be approve was the card statement option which he provided what the bank has for the holders of accounts. 

The holder of the paypal account was mislead by the card statement verification being the only verification and further verification was asked excessively by proof of address and another card statement verification which proof of address was already approved by the option selected for proof of of identity. 

The holder of the paypal account was further mislead by the billing piece of mail to verify address and than the customer service stated they needed the actual bill continuously adding more circumstances as the initial verification for proof of address was met. 

XXXX XXXX the paypal account holder spoke to XXXX on the phone and transcript information included by attachment Account holder allege misrepresentation by customer service of paypal by personal injury intentional tort. 

Within misleading information within phone cal to customer service XX/XX/2018 ( XXXX ) and the verification process of the on the following day XX/XX/2018 ( XXXX and XXXX ) that implied piece of mail from chat transcript description of proof of address and card statement proof from checking account/prepaid card was given to the customer service to meet the resolve issues requirements and account still fail to be access to retrieve funds.
Received XXXX plus calls on cell, work phone, and house phone. First time I answered I asked what this was in reference. They would n't tell unless I verified my social, which I would not do over the phone with some strange company. The second time I asked them to forward the information in the mail. I recieved nothing. The XXXX time I asked them to stop harrassing me at work, home and my cell. Then they continued to call on all three lines almost every day 2 times a day for 6 weeks. I spoke to a supervisor at Southwest credit XXXX XXXX XXXX id # XXXX and asked to stop and asked why it has n't stopped.
Ally auto is a fraud company that was charging XXXX XXXX the highest interest rate without even checking there credit score. Also reporting inaccurate information to the credit report company. My car is currently totaled out and on my credit report its showing that the car is repossessed. I have contacted them to change it yet they have n't. Also I got the car reappraised and their refusing to accept the new estimate. My car is still showing the high interest rate on my car.
Please note : I tried contacting Selene Finance regarding my loan, in XX/XX/XXXX, and they refused to give me any information regarding my loan. The only information they gave me, was to contact the attorney that was representing me. I DO NOT have an attorney that is handling my mortgage. The only time a lawyer was handling my mortgage, was in XX/XX/XXXX when I filed for bankruptcy. The lawyer that handled my bankruptcy has disbarded himself recently in XX/XX/XXXX. I have not received any statements from Selene financing, only what I enclosed. I sent them 2 payments, in XX/XX/XXXX and XX/XX/XXXX, both payments were returned to me.
Citibank t o refund {$700.00}  XXXX  to credit card customers for unfair and deceptive practices.     I did not receive any refund from  Citibank eve n though i enrolled in  Identity Monitor s ervice in the service from  XXXX  to  XXXX .
Hello i applied a loan from CAC credit acceptance Corporation for a loan on a car at XXXX based on my credit score, i being a first time buyer was unaware of the consequences with CAC, after the purchase of my car with in the first week my car was involved in a accident XXXX which i was n't at fault with and was considered a total loss, i reported to XXXX on the same day on the site of the accident at the time of the incident and took care of the issue i have n't even received my license plates, and CAC was also notified with this incident and has still reported a late fee which i did n't have to pay, i was sure about most of the new car payments start with 30-45 day after the purchase of the car, the most shocking thing wass i have n't received any of their CAC payment check books till last week, and they expect me to pay which i was n't notified at all, the last thing i was also shocked about that they have really messed up my credit score i was building by reporting that i have n't made a payment XXXX that my loan was n't cleared as they have cashed the check that XXXX has sent, and that their systems still has n't fixed that issue, which dully brought my credit score horribly low, all i'am asking for is justice and a fair play, and not to do this with the new comers who just started to work as well as to a person who just got a new credit card.