WillisBack/dataset-financial-user-claim huggingface dataset:
I DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXS Finance/Personal XX/XX/XXXX TransUnion
Sent several letters and faxes to  XXXX , Transunion,  XXXX  requesting that information be removed that has not been validated with supporting documents/contracts. This has not happen.  XXXX , Transunion,  XXXX  keeps coming back stating the information has been verified, but will not respond to me requesting supporting documents to validate the account or information pertaining to who verified and validated the information from the creditor.  XXXX , Transunion,   XXXX   is violation under the FCRA.
I had a mortgage with Bank of america. They later transferred the servicing of the loan to XXXX in XXXX. I paid steterus timely and was never late. In XXXX XXXX, I refinanced with quicken in XXXX XXXX. Bank of america is still showing the account as delinquent with XXXX and they are showing the mortgage as an installment loan that is delinquent with XXXX. Both of these are incorrectly and impacting my ability to get premium interest rates. I have written the bureaus on several occasions about this and they have not made the corrections. I understand if they ca n't correct it they must delete the entry.
On XX/XX/XXXX I received a letter from Berlin-Wheeler regarding a {$60.00} debt. On XX/XX/XXXX I sent them a letter asking for debt validation. On XX/XX/XXXX I received a voicemail message from Berlin-Wheeler stating I should pay the money. I still have not received any debt validation I asked for.
I filed bankruptcy in XX/XX/XXXX. 
Prior to filing, I had not missed any payments on 15 accounts that I had. 
Once I filed, an automatic stay was filed. 
The bankruptcy is now discharged. 
XXXX and XXXX  are reporting my file correctly. Experian is not. 

They are showing negative payments on all 15 accounts in my credit summary. 
However, when I try to dispute them, it will not allow me to select " Payment never late '' as a reason. It then states that the payment was never late. The same happens on all 15 accounts.

So, in short, my credit score with them is based on 15 late payments even though they say payments not late on each individual one. 

I attempted to dispute and explain on XX/XX/XXXX and XX/XX/XXXX, both times nothing was changed with the negative payments My score is around 100 points lower with Experian because of this
Yes, around a year ago possibly 10 months, I had saw a firearm on a website used to trade and sell firearms ( XXXX ). To make a long story short I tried to purchase the gun and sent the guy money via PayPal. You can send money two ways one way ( friends and family ) that way does n't charge the seller any fees as it is mostly used to just send money and PayPal does n't back that. Second ( goods and service ) if you send it this way you will have PayPal protection. Well I sent it via friends and family as the seller had instructed so I could buy the firearm cheaper. Well it turned out the guy was trying to scam me, I tried to contact him for days and he would n't respond. He then sent me a check that had more money than I was owed on it. And wanted the difference so I was trying to be a good guy but ended almost being scammed again. I payed using my XXXX card and almost lost that money but XXXX actually fought for me. But I am still actually missing the original XXXX dollars I had sent. I tried for months but XXXX would not fight for me to get my money from PayPal. PayPal said they would give it back but XXXX just gave up. I need help in getting that back.. Please
They know i am not working at the moment so i asked for a diferment they sent it i filled it out and sent it back to them in 72 hours that was in XXXX 2015 they said it will take 20-30 business days and i can go ahead and apply back to school beginning of XXXX 2015 they said they received it i tried to apply to go back to school the middle of XXXX 2015 the school stated i cant move forward since the people i am doing my differment through is not processing my request and the calling begins like they never got my letter they are saying they dont do those and all schools are suppose to tgey even promise that in your student loan package when you first apply they call every other day about XXXX times a day with different excuses of why i must pay or this will stay on my credit i have a family i have to take care of and this is not ok and i will sue if this does not continue to dtoo
XXXX    XX/XX/XXXX -  did not authorize   XXXX   XXXX      XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX  XX/XX/XXXX  - did not authorize   XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX      XX/XX/XXXX  - did not authorize  XXXX     XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with transunion in the summer of   XXXX   and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.
Recently I was contacted by one of the customer service representative they asked me if I could afford certain amount of money per month I asked them if they had an income-based program and they told me no I currently Am paying any mount that I am struggling to keep up with when I have income-based repayment plans with all my other loan providers XXXX it has been unwilling to work with me in continuously calls me trying to get me to pay the amount that I told him that I can not afford.
I received a letter XXXX XXXX, 2017 regarding intention to file a lawsuit about a payday loan debt that I have no knowledge of and do not owe. I disregarded the letter because it appeared to be a scam. There was a company but no signatures or any legal information or debt verification. I did however contact the company by phone and asked for specifics. I was not given any information and the individual was rude and very threatening about suing me if I didnt pay {$510.00} out of {$900.00} they said was owed. I was contacted again by text XX/XX/2017 stating legal documents were to be served and I needed to get in touch with them. When I contacted the number to let them know they had inaccurate information the person on the phone was very rude and would not provide anyone I could talk to above them. I do not know whatever this debt is. I have been a victim of identity theft in the past and I have evidence and report number. I do not want this company to harass me any longer
I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This capital one account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.
I deposited from my XXXX checks from XXXX I see weekly with my Bank of America small business banking account ending in XXXX on XX/XX/XXXX. The bank has now placed a hold on all these checks since that time. I have consistently deposited checks over the past several years with Bank of America. As a XXXX with a XXXX, I rely on having money and checks deposited in my accounted and credited in a timely fashion. No reasonable explanation has been provided to me by the bank at this time.
On XX/XX/XXXX I submitted a complaint on XXXX XXXX XXXX ( complaint # XXXX ) stating this collection agency is not license to collect in the state of Texas. The company agreed to remove account off of all reports and they did do so. XXXX XXXX, XXXX the account was placed back onto my credit report. This company have not furnish any paperwork showing a agreement I have with them, in addition I researched and I show they are still not licensed to collect in the state of Texas.
Navy Federal Credit Union made a mistake on my new credit card. They mistakenly charged a finance fee on my new credit card account which put me over the credit limit by a few dollars. They did not inform me of the fee while the transfer was being made on the phone, the fee of a few dollars could have been taken from my other account to prevent this problem from Due to poor customer service, lack of training on the agents part, and complete lack of effort on their part, I ended up with no option except to file a complaint to resolve this issue when the bank could have done it themselves. Because of these reasons, an overage on the credit card was reported to the credit bureau. 

After multiple conversations with the bank they admitted to the mistake but said that it was passed their time limit and refused to make the reversal. I want this bad mark removed from my credit reports.
my FHA mortgage loan is with XXXX XXXX mortgage .this loan was taken out in XX/XX/XXXX. I called the XXXX to have my PMI taken off my morgage and they said they would send me a form to request having it removed and that it was my responsibility to have it removed that they would not automatically remove it after reaching 80 %. i spoke to someone named XXXX ... since then i have received a letter stating the PMI premium is required for the life of the loan. Never received the form for cancellation. i am interested in paying off my loan ... but is hesitaint to do so until i can get this matter addressed ... the letter dated XX/XX/XXXX, was send to me by a XXXX XXXX ( mortgage insurance specialist. ) ... i  called the number on the letter and they said because the loan was taken out before XX/XX/XXXX it 's required to keep it for the life of the loan. i asked to speak to a compliance agent and was told no ... .i called my bank on XX/XX/XXXX and asked to set up an appointment with the bank manager XXXX ( us bank on XXXX XXXX in XXXX ohio ) number ( XXXX ) and was told she would call me back to make an appointment and she never did. NO ONE will help me, and i keep getting conflicting answers.
I was a previous member of Costco while the primary card was still XXXX XXXX. I cancelled my Costco membership in XXXX 2016 and constantly checked my XXXX XXXX account to make sure that there was no remaining balance. I was unaware that my balance would be switched over to CitiBank and now I have accrued multiple late fees and interest which has also had a detrimental affect on my credit. I have never missed a single payment to Costco nor XXXX or any other credit card prior to this incident. If I was aware of the switch over of my balance to CitiBank I would have paid it off. I will gladly pay off the original amount I owe, but it is unacceptable to not be able to remove the accrued interest and fees. The CitiBank representative that I spoke to was XXXX, ID : XXXX. I am not okay with the service that was provided and I expect Costco and CitiBank to resolve this issue.
I have on my credit report bill from XXXX XXXX in the amount of XXXX at XXXX XXXX on the date of XX/XX/XXXX and on the date of XX/XX/XXXX Emergency room from concentric receivable I have had Medicaid since I was a baby was a XXXX XXXX XXXX XXXX and have had Medicaid my while like and a new law had past that medical bills should not show up on my
I recieved a letter from Robinson, Reagan, and Young in XXXX TN located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX. The letter said that I owed {$6900.00} due as a medical bill From XXXX XXXX XXXX. I called the firm and asked about this I said to them that I did not owe this amount and that this was a mistake. The firm said that I did and to call XXXX XXXX XXXX. When I called XXXX XXXX XXXX they told me that they could not find any debt in my name. So I called the firm/Collection Agency and they denied it, and told me to call again. So I called again and they again denied that I owed anything. So I called the firm again and they agreed that they would look further into my case. When I called them back they said that it was a mistake and that they would take it off of my credit Report. It has been about a month and a half and it has not been the case.
These accounts were all in default w ith 120+ l ates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ...  .Yet,  I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.
I was told by a rep over the phone with XXXX XXXX that I would not incur a hard credit pull to simply add my nephew as an authorized user to my account. I didn't request a credit line increase, just simply wanted a second card. I submitted the request and the second card was issued along with a hard credit pull. I asked a second representative via XXXX XXXX website and was again told a hard pull would not occur. I have pics of the chat! The reps name is XXXX and on XX/XX/2018 XXXX he said " You will not receive a credit inquiry for either requesting an upgrade, or adding an Additional Card Member to your existing account. However you may receive  credit inquiry if you apply for a New card account. '' dispute the inquiry with the agencies, and send a polite letter to XXXX XXXX asking the inquiry be removed and they sent a letter back on XX/XX/2018 and refused to do so. Can you help? Im trying to buy my first home and this is hindering me. Thanks so much.
I recived the attached letter from Early Warning Systems stating that they investigated my concernes regarding the dergatory mark ( s ) from XXXX XXXX. 

Tthrough the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) since EWS conducted a " Proper Investigation '' which means EWS has on file of accounts listed below in the original complaint. Your failure to positively verify these accounts has hurt my ability to obtain a bank account. Under the FCRA, unverified accounts must be removed and if you are unable to provide the item by providing me a copy of verifiable proof, you must remove the accounts listed below. This your responsabilit just the same as XXXX XXXX since you conducted a " Proper Investigation '' Please show me what you used to determine that the items are indeed valid. 

These do not belong to me and EWS is hurting me by blocking me from opening a bank account and has caused a lot of embarrassment for me in the banking community. I demand these items be removed or proof requested above be provided. 

I hope to resolve this ASAP before any more damages are incured and needles attorney fees are paid out, and tieing up the courts time.
Since opening this credit card from Citibank through Best Buy, I have made numerous on-time, over the minimum due payments. Now, Citibank is refusing to issue my credit immediately to bring my account current-they will " credit my account in 1-2 billing cycles ''. This is unacceptable. I discussed with them online via secured email, customer service and finally with XXXX XXXX with escalation services to resolve the matter to immediately issue the credit to my account. I can not trust them to issue my credit in 1-2 billing cycles. This is my first experience with CitiBank and will be seeking other companies to do my business with.
I had disputed the amount I owed to XXXX. The dispute was resolved in my favor. I asked Transunion to remove the " remark '' as it had a negative effect on my credit score. After contacting CFPB they finally did. Now the remark is back on my credit report, and my credit score has dropped again. So I need CFPB to AGAIN contact Transunion to have them remove the remark please. I hope that Transunion will get their act together. It is very frustrating and negatively affects how lenders may view me. Thank you.
I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.
On XX/XX/XXXX I wrote a check to a man/company for tree trimming services. When I got home, my husband and I realized that the services were not rendered and called the company right away. They assured me they would be back in 4 days to complete the job. Me, kicking myself for writing a check too soon called BOA immediately ( XX/XX/XXXX ) and spoke to a bank rep who advised me that even if the check was cashed, if the services were not rendered that I could dispute the check and get my money back. This made me feel great! I could allow the merchant to make the situation right and if they did n't BOA had my back. Win win, right? Not! Well, needless to say, the company cancelled on us multiple time and never showed. I called BOA to dispute my check, explaining the situation a XXXX time I was cold transferred to another agent to explain my situation for the XXXX time and she disputed the check. Each explanation included that I wrote the check and the services were not rendered. This agent advised me an adjuster would reach out to me but could n't give me a time frame. She escalated me to a manger and I again explained my situation for the XXXX time. He let me know when I would receive a call. I ended up missing the adjusters call and it took, yes 3 times of me calling and leaving messages before the adjuster called me back. She told me since it was not a fraudulent check there was nothing she could do and BOA does not have a dispute process. Wait.. What? Why would so many before, including a manager hear my situation and still go through with it. I did n't buy it, so I went to my local branch. After spending some time with a banker there, he called someone who was n't able to do anything and also asked the manager for help and nothing they could do. Here I am, out {$550.00} dollars, countless hours on the phone with BOA reps and in your branch and clearly you can come to my house and see services not rendered and BOA is n't going to advocate for me! No doing the right thing or in any way trying to help out a customer now sitting in front of them completely distraught by the situation? I realized I was on my own and I was just a number to BOA, my accounts meant nothing. I decided there, if BOA did n't want to have my back, be my partner and help me then I needed to close my account. Now I have had a BOA account since I was XXXX years old! Yes, XXXX! My savings account, I have had a check and credit card since XX/XX/XXXX. I am loyal customer who pays on time and is never late. I have had CDs and money market accounts all upholding my end of the deal. I was about to start in stocks and trading since my father raves about BOA and that 's what he does. But no, no customer advocacy no loyalty from BOA and I felt BOA completely left me without any solution. All I needed was BOA to help me with a check and instead I received false information multiple times and complete disregard for my situation from BOA employees!
I cosigned a car for my sister. She and her husband voluntarily gave the car back to the bank. The bank than put a repo on both of our credit. The problem i have with that is there was no communication between us in the bank after the repo. I looked up the state laws in North carolina which states that during the repo procress the bank is suppose to communicate with us where the car was being auction at. The location of the auction has to be beneficial to both parties. before the car is auction they have to give us a 30 day noice. Also north carolina state laws says that after the auction take place they have 15 days to notify us how much the car sold for incase we have to pay the difference in lost or if they need to reimburse us. That was not done as well. I tried to talk to them and they said that if i sent a dispute letter to them they would not read it. I tried disputing it through XXXX credit companies nd they are not helping just keep saying that they looked into it and it been verified. They never say what was verified.
I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
I keep getting weekly phone calls from UNIFIN.

When I inquire about the reason for the call, their reply is just answer Yes or No " Am I speaking to ( my name mentioned ), I would then reply you called me, so please tell me what this is about. They reply : is your address -- --, I then reply please help me understand why you are calling me, they would then reply, just answer Yes or No to the question.

I've asked them to please stop calling me especially during my XXXX XXXX XXXX. Once I called them back telling them to stop harassing me, I used another phone line, and a young lady replied if you don't answer my question I will just have to keep calling you, you'll loose everything. 
Now that is where I stated enough is enough I need to file a complaint.
Some time in May I lost my TFc bank card and me and my son socials in my wallet I hade XXXX $ on my card that I needed to use for my son milk I happen to notice that I didnt have my wallet so I pankied because this is unlike me I even called the police they said they can mske a report but they couldnt do nonthing about it I called the bank they said my account was on locked and closed because it was in a negative