WillisBack/dataset-financial-user-claim huggingface dataset:
I decided to cancel my account with XXXX XXXX and according to the agreement in section IV Term and Cancellation : You may suspend or cancel this Contract at any time and in a number of ways, including : ( a ) telephoning XXXX, ( b ) signing and mailing XXXX one of the Notices of Cancellation, or ( c ) sending XXXX a written request. XXXX honors all cancellation requests without condition or charge that are sent to XXXX within the first five days of the date of this Contract. 

I wrote a letter and I also signed and dated the provided Federal Cancellation Form. Since it was late Saturday afternoon, I was not able to mail it but because it was XX/XX/XXXX ( the 5th day after signing ), I sent an email request with the documents attached, I uploaded the documents via the client website. 
I updated my account and selected Do Not Challenge for all of the negative entries on my report to insure no work would be done before I could confirm cancellation. 

On Saturday the XXXX the 5th day after signing XXXX XXXX charged my credit card for {$99.00}  and not only does the agreement clearly state I have 5 days to cancel without obligation, it also clearly states, several times, This fee will be charged after related services have been fully rendered. However, there were no Credit Repair Communications sent out so services were not fully rendered On Monday XX/XX/XXXX I sent the documents certified mail and I called the support number to follow up with the cancellation. XXXX XXXX is refusing to refund the initial fee of {$99.00} and instead offered me a {$40.00} refund, and that is unacceptable, I only want them to honor their agreement to cancellation without obligation. 

I am attaching the agreement as a supporting document. 


Also I would like to note they incorrectly notified me that a negative item had been removed from my XXXX credit report when in fact it had not. I was sent an email and it was reflected in the client website. 

I am attaching screenshots of the client website and the email as supporting documents.
I am disputing this collection account by Stellar Recovery Inc. and XXXX XXXX because they have been paid in full. I contacted XXXX on XXXX17 and paid the XXXX that was claimed that I owed. I asked XXXX to contact Stellar Recovery and to have them update my account is paid in full and to contact the credit bureaus to have this account removed from collections and update it as paid in full. On XXXX17 I  contacted Stellar Recovery Inc. about this collections account. They verified that XXXX had contacted him, and told them that I had paid the account in full and had a XXXX balance. What I requested from Stellar Recovery was for them to update their information to the credit bureau 's immediately. They only told me that they would notify the credit bureaus they would send out their information at their convenience. I do not trust this company to notify the credit bureau that my account has been paid. As long as Stellar Recovery has this account in collections on my credit report, then it is still viewed as derogatory information. I want sSellar Recovery to update my account is paid in full with a XXXX  balance immediately and not at their convenience. Stellar ' information is listed below. <P/>Stellar Recovery Inc. XXXX XXXX XXXX # XXXX XXXX, MT XXXX XXXX
I have paid back the amount I owed to the company I borrowed the money from, but they keep calling me and threatening to take me to court or jail and they threaten me about how much they can take from my check every other week I get paid.I was threaten that if I did not give them my bank card number they will take me to court and/or put me in jail
Good morning, I purchased a home from Navy Federal XX/XX/17 at closing my principle and interest payments were XXXX with taxes included, after tax assessments, I now pay XXXX a month which is outstanding and the result of someones inexperienced. I putting a burden on my family, please assist me. I would also ask that you review my closing documents to see how its structured and if follow XXXX XXXX and XXXX XXXX guidelines, at the time of purchase me credit was a high XXXX and low XXXX I received a unfair rate of 4.875
i have contacted exsperian about a civil case on my credit report that does not belong to me and incorrect addresses that do not belong to me and they will not remove them.they keep importing incorrect information of persons with a similar name and placing them on my credit report.
On XXXX XXXX XXXX I successfully completed the Federal Loan Rehabilitation program and all negative payment history should have been removed from the XXXX XXXX XXXX XXXX ( XXXX ), reported by Experian, however entire trade line has been removed. Repeated attempts have been made by phone ( by myself and XXXX ) to correct issue as well as by XXXX submitting numerous updates to have issue correct. Experian was stating that XXXX has been submitting data in wrong format but this format is recognized by XXXX  as correct. The other two main bureaus are showing and reporting accurate information from this account. Experian has been most difficult in correcting this. They stated to XXXX that I have a right to dispute inaccurate information however I can not because the information is not being reported.
Transunion has a few account 's listed on my credit report that are inaccurate. After several attempts including notifying Transunion that i was a victim of Fraud. They did not remove these inaccuracies. These accounts were not verified. They put incorrect remarks on these accounts and these are dragging my credit scores down. Which it seems like Transunion is attempting to try to push me towards bankruptcy by force due to this inaccurate information. 

Accounts include -XXXX XXXX XXXX # XXXX Which is a charge off for {$1000.00} which i never opened, and i notified XXXX this was a fraudulent account nor ever lived at the address. They also stated that i opened this account and reported fraud and that the fraud was listed on my account and sent letters to me. This is also false, i never received any mail from them. 
XXXX XXXX - Charge off for XXXX XXXX XXXX XXXX # XXXX {$10000.00}. 
XXXX XXXX - Charge off for XXXX XXXX XXXX  XXXX # XXXX for {$15000.00} I never opened these accounts, and have notified transunion on many attempts at resolving this. 

Secondly my auto loan XXXX XXXX # XXXX says Redeemed repossession. This was never a repossession. I have always had this in my possession and have paid current on time, every month. This is false information and the remarks need to be removed. They were not there up till last month and the car was not repossessed. 

Also XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX It shows 150 Days late which is this inaccurate. The XXXX company had agreed to match the last two payments which would have paid off the balance. XXXX  did not match pay these payments for several months after over 20 calls, and several emails and mailed letters. I asked several times when they would hold up their end of the contract and they said they were processing it. Finally they did match the payment but the deliquesces are inaccurate. 

XXXX - XXXX card. I never opened this account. This account was a result as of fraud that occurred when my identity was stolen. Please remove this inaccurate account from my report.
In XX/XX/XXXX, I bought a used car through Ally Bank that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, Ally sent me to collections. XXXX XXXX XXXX XXXX sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with XXXX XXXX XXXX XXXX, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today, XX/XX/XXXX, check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?
This is a SunTrust Cash Rewards XXXX with a {$21000.00} limit. It has not been overlimit. Since XX/XX/XXXX, during a single billing cycle and statement period, I made {$9600.00} in payments and {$58.00} in purchases, and while the balance reflects all the payments, the {$9600.00} paid only shows as {$6500.00} available credit. There are no pending charges and no automatic payments on this account. Where are the {$3000.00} missing from the account? SunTrust ca n't explain it and it does n't publish charges. There should n't be interest Charged against these payments since it 's inside one statement period.
My most recent cash payment of {$2000.00} on XX/XX/XXXXyielded just a {$990.00} increase in available credit. The bank does n't disclose what it 's doing with 34-50+ % of our payments, it just shows an {$11000.00} balance on an account with a {$21000.00} limit that has only {$6400.00} available credit. Where did our {$3000.00} go? SunTrust wo n't tell. I 'd expect this kind of deception from someplace like XXXX, and am sorry to see that SunTrust treats customer 's the same way.
XXXX XXXX XXXX is the bank I use. I had to get XXXX loans to help a my spouse during a crisis and the amount for each has been paid in full but each company still expects me to pay additional money which will triple the original debts. Green Trust Cash will not acknowledge my request to end the account despite not being federally licensed in Georgia where I live, the reason is that they operate under an XXXX Federation Reservation laws. The other, Loan at last is no better but they at least do n't harass me as much.
On XXXX XXXX, 2015 Castle Payday Loans deposited {$500.00} into my checking account. This was done without any knowledge by myself as I did not apply for any loan. With any company with exception of XXXX company for several years. But never this company. The loan amount is more than what is allowed in California where I live. I live on XXXX and can not afford any loans of this amount. 
I have never received any documentation whatsoever of any kind except an email notice that a payment was due on XXXX XXXX, 2015. This email was received on XXXX XXXX or XXXX, 2015. This notice did not include any amount due, no account number, or my name. The email address that this notice was sent to is an old email address I have for a small business that is not currently in operation. 
I have closed the bank account the {$500.00} went into as that account was not used to apply for the supposed loan and therefore was fraudulently accessed and used. I also feared that the Castle Payday Loans would take payment for the loan. This concerned me as I live on limited income and the fact that I did not apply for or request any loan from this company. I am afraid to contact the company as I fear they will somehow use any communication against me.
My wife and I have been behind with our monthly mortgage payment. In order to bring the mortgage current we should come up with {$8200.00} which is what we owed. On XXXX XXXX, 2015 we entered in 3 months agreement plan with Shellpoint Mortgage Servicing. They asked {$2000.00} down to start the plan. We provided it to them right on the spot over the phone. The plan has set for the months of XXXX, XXXX & XXXX. According to the agreement if we kept it, in XXXX we should start paying regular monthly mortgage. Which supposed to be {$820.00} according to the original loan but Shellpoint has " jack it up to {$1100.00}. We will comeback to this point, let 's finish with the payment 3 months payment plan. On XXXX XXXX, we called we made a payment of {$2800.00} for the month of XXXX. They are classified this payment on credit report as XXXX payment. The {$2000.00} down showed that withdrew to XXXX XXXX ID XXXX $ XXXX {$5.00} fees transaction XXXX/XXXX/2015. 
On XXXX XXXX, 2015 we mailed a {$2900.00} cashier 's check. When we called on XXXX XXXX to make the final payment. They indicated they never received payment for XXXX. We made a {$2700.00} payment which should conclude our agreement. Because they said they did n't receive the check we sent, we went to the bank to verify. The XXXX has given us a copy of the check has cashed on XXXX XXXX by Shellpoint. After all those things, surprisingly Shellpoint sent a letter to inform us that we did n't keep the agreement is null. They ask {$4400.00} when we asked the representatives why is that money for? One of them said attorney fees and others. When called multiple times to ask representatives to review our account, some of them said they saw the amount of {$2900.00} check some of them said they do n't see it. Now they intent to foreclose in our mortgage even through we paid them. We have contacted XXXX as XXXX XXXX. They were helpless.
I received a copy of my credit report in XXXX 2017 & noticed " XXXX '' unauthorized inquiries reporting to my TransUnion credit report : ( XXXX ) XXXX/XXXX dated XX/XX/17 & ( XXXX ) XXXX/XXXX dated XX/XX/17. I have written TransUnion several times ( certified mail ) notifying them that the inquiries were not mine, are unauthorized, and were not solicited by myself ( verbally or electronically ) on multiple occasions. I do not have " any '' accounts with these companies, have no interest in their services, and have not requested their services. To no avail, TransUnion has " responded '' every single time with an " explanation '' of what an inquiry is. I have also, previously requested that they " stop '' responding with a letter of " explanation '' as to what an inquiry is - and to remove the inquiries immediately. My credit score with TransUnion is in the mid XXXX XXXX consistently - as I am a homeowner & business owner, and I am very responsible with my credit. Due to these " XXXX '' credit inquiries & TransUnion completely ignoring my admission that the inquiries are innaccurate & unauthorized by myself : TransUnion Credit Reporting Agency has directly resulted in my being denied " credit '' as a direct cause of these unauthorized inquires. Due to me requesting the deletion of these " XXXX '' inquiries and requesting correct, accurate, reporting within my personal consumer credit file to TransUnion for " months '', TransUnion has caused me great stress by damaging my credibility with potential lenders, and has been a direct result of great emotional, mental, and physical stress by lowering my credit score. This is very scary and I have since proactively obtained several credit monitoring services, and of course, these services are being provided to me for a monetary fee. This has been a nightmare! Before these inquiries " appeared '', I was in the " upper '' XXXX XXXX as I am with the other credit reporting agencies. Please help & get this consistent problem of inaccuracy resolved.
SYNCB/WAL-MART XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The issuing bank reduced my credit line without notifying me of said reduction in credit line from {$500.00} to {$260.00} thus negatively impacting my credit score by raising the ratio of used credit to available credit through the reduction of available credit. This also put me over the credit limit and appears to be on the verge of over credit limit fees being applied. The notice was supposedly generated on XX/XX/XXXX and mailed. When called the company said the only option was a request to increase credit limit which was processed and denied and also will put another credit inquiry on my credit report. This was all discussed via telephone on Friday XX/XX/XXXX.
We did a refi with XXXX on XX/XX/2015 did the closing on XX/XX/XXXX and it did not get to our old mortgage co until XX/XX/XXXX.now the old mortgage.co is reporting us 30 days late for our XX/XX/XXXX payment.I have talked to everyone and no help, everybody at the time assured us that it would be there on time.We have never been late and my husband is a XXXX on XXXX and turning XXXX this coming year .can you please help
I had to file bankruptcy in XXXX and have been trying to work with Wells Fargo to get a loan modification / payment reduction ever since. I have called and left messages with my name, loan number, and phone number. They have not returned my phone calls, which they say is within 48 hours and finally one of the reps told me they had closed my account in XXXX, XXXX this is XXXX, XXXX and they are intending to issue a motion to release on my home. This has not been the XXXX time Wells Fargo has done this, I will call to speak with my preservation person whom many times I had to leave a voice mail, only to find out from another rep my account had been closed. This phone tag activity has gone on since XXXX. I have sent paperwork to them on numerous occasions and have been turned down over and over again. I have shown them we do not own a business because they accused us of hiding money, because my husband did on the side handyman work to make ends meet. We had a rental house that was empty for 3 years and they even took pictures to the fact but said we could get future income. That house was foreclosed on. Wells Fargo said the investor does not allow modifications, but Wells Fargo has many programs. Wells Fargo took pictures of my home and told my insurance company that the home was vacate/unoccupied and now they want to cancel my homeowners insurance this month, XXXX XXXX. We had an electrical fire back in XXXX/XXXX/XXXX, the insurance did not cover items the City of XXXX said had to be done, it had been hard finding a contractor, but one at my church will do it. We have been living with family, friends, hotel and at the church apartment now. My husband became ill in XXXX, XXXX, has not worked since. He had XXXX in XXXX, XXXX, XXXX in XXXX, XXXX and his company XXXX XXXX, XXXX. I am XXXX years old, working, I owe more on my house than it is worth, all I want is an affordable mortgage
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Experian. Experian refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXXXX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX  XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX,  XXXX  XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. 

Therefore, the XXXX XXXX, ( four times ), XXXX   XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by Experian. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from Experian.
I used to have a joint account with a friend back in early 2004, which eventuallywas closed by the other party without my knowledge. 
When it was closed, the account was overdrawn by about {$250.00}. Since I wasalso on the account, Bank of America took the overdrawn balance from thejoint account from my account. I had no problem with them taking the {$250.00}, asmy name was on the account. 
The issue is when I want to open an account at a different bank, I was denieddue to XXXX XXXX showing I have a bad record. 
I confronted Bank of America a few year back, and they claimed that theywould take care of it. 
I had not thought about it again since I have not tried to open an account. 
However, recently I wanted to be added into an account, but again was denieddue to XXXX XXXX.
XXXX XXXX University in XXXX, Indiana is where I got the loan, I ended up paying the bulk of it and a balance of {$59.00} was overlooked and ended up being sent to a collection agency, Williams and Fudge Inc., I made the payment the moment they called me in XXXX of XXXX, now 2 years later we look at my credit report and their name as well as the {$59.00} balance is on there as active, I thought this may be a mistake so I called the agency, I spoke to XXXX rep a male, he did not give me the mini Miranda before discussing the account, and next I spoke to a female rep and she gave me the mini Miranda, I told them what issue I had and I was told the man I need to speak to was not available, that was fine. I scheduled a call back time with them for Thursday XXXX XXXX at XXXX, the call never came, I just want this resolved and I am upset with the damage caused to my credit because the collection agency could not act responsibly
Also calls before XXXX and after XXXX. Back to back phone calls from different numbers. Wo n't tell me who they are until I verify who I am.