WillisBack/dataset-financial-user-claim huggingface dataset:
I bought a car originally through a dealership and signed a contract for certain terms and a loan. Then we decided on a different car through the dealership and filled out new paperwork and signed the paperwork on the new car and loan. The loan was right for the first 2 months then I went back to the wrong loan price with the wrong Vin. I have been in conatact with capital one and the dealership with no resolution as of yet. This process has been going on in excess of 3 months. I think I am finally making headway no that I am at the presidents office at Capital one but I want to make sure it does n't hit a roadblock or get stuck on someone 's desk for another 3 months
1. Derogatory Information : XXXX - XXXX/XXXX - Revolving - Never Late, requested to correct error. 
2. Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX : Never Authz to run credit requested to remove. 
3. Inquires : XX/XX/XXXX - XXXX XXXX XXXX - Never Authz to run credit requested to remove. 
4. Inquires : XX/XX/XXXX - XXXX XXXX - Never Authz to run credit requested to remove.
After making payments on medical debt for 55 months, and after receiving verbal assurances that this would not be reported to Consumer Credit Bureaus if payments remained timely and current, the debt was reported to XXXX credit reporting agencies as being placed for collection on XX/XX/2016.
I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these
In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all  of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP SCREWING CONSUMERS LIKE MYSELF
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Denied for HAFA without proof of appraisal. We submitted a an appraisal of the property for a HAFA short sale to Wells Fargo that came in at $ XXXX. Wells Valued the property at {>= $1,000,000}. Wells then said they re-appraised it and said the property value was still too high but did not give me us a number. The payoff on the first mortgage is around {$110000.00}. We have an offer at {$100000.00}, which should make the homeowner eligible for HAFA. Wells has now countered back and say they need to net {$110000.00} with no valid reasons except investor demands? I think they just do n't want to do a proper HAFA short sale. The homeowner has two egregious home equity, open-end mortgages.
Capital One website is down the majority of the time. They push web access and online payments, but then 9 times out of 10 you ca n't log in, getting an error that they are having issues. A quick XXXX search always shows dozens of others complaining of the same thing. I want to be able to make my payments when I want to, not waiting days on end trying to log in. This is an underhanded way that they are just trying ( and succeeding ) to make more interest from customers. This has been going on for several months. Today XXXX/XXXX/XXXX is the last straw. Want to log in and make payments on all 3 cards and can not. From experience calling - yes, you can call and make a payment, but that takes forever to get someone and then they want to charge a fee!
I open a check account for my XXXX daughter XXXX XXXX at bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.
My wife and I applied for loans on XXXX with Climb Credit. They approved my wife and had her co-sign on my loan for approval.We started at our XXXX ... XXXX on XXXX, and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out XXXX in loans. They said they would get back to us the next day ... we never heard back from them. I sent a couple emails out asking about the possibilities and never heard anything until XXXX when an email was received that we had been withdrawn. I immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with XXXX..EVER ... they took a payment that should not have been withdrawn from our bank account. XXXX said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against XXXX. They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion Climb took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. Please help
Upon being denied from a lender for too many inquiries from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my TransUnion credit report that I DID NOT authorize and had no knowledge of. I contacted TransUnion immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2  XXXX   XXXX   date   XXXX   3.   XXXX  date  XXXX   4.   XXXX   date   XXXX     5.   XXXX  date  XXXX   6.   XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX
They are calling my job and my cell phone all day long. I am XXXX, work part time and have no way to pay this emergency room bill. I have explained that they are wasting their time but they keep calling and calling my employer is going to get me in trouble.
Navient continues to call my phone multiple times daily. Although I am behind on my payments I did contact the company in attempts to set up a payment plan and was told nothing is available to me. The calls have continued and when I asked that the calls end I was told they would continue until a payment plan was arranged. I expressed my frustration with the harassing calls. The company will not work with me on my past due amount but also will not cease the calls. I have XXXX private student loans through the company and have been making payments on XXXX of the XXXX loans because of my current financial situation I am unable to make both loan payments. After speaking to Navient multiple times I have exhausted my options. The phone calls come in at least twice daily.
Last XXXX I bought a merchandise on line it came defective, I tried to look a viable solution with the seller we could n't find. I contacted Shell Master card to initiate a disputed for the amount of {$94.00} I sent Shell Master Card proper documentation. Theydenied me assistance saying : '' The Merchant is willing to work with you '' and '' based on a review of the circumstances surrounding the charge we have noresource to recover the funds ''. I believe Shell MasterCard is unwilling torepresent me with the merchant, for the defective merchandise I received. 
Also I have to mention the Merchant does n't have the merchandise to exchangeit. I 'm attaching documentation on regards. Thanks.
I received the attached document from Wells Fargo and know that I have no outstanding debt with Wells Fargo.
I purchased a XXXX fridge and freezer French door from Sears. During the Hurricane Irma I panicked and left, I found out when I got back I forgot to clean out my fridge and freezer and that the area has been with out electricity for over a week. Many did not evacuate and cleaned it out within hours. I 've tried multiple ways to clean it out but coffee grounds to soak up the microbial infectious XXXX left. I called Sears and argued with them to come and clean it because I still owe them several thousand on the credit card I 'm paying high interest on and I saw the Sears Outlet refurbished fridges and sold for over {$800.00} ; whereas new fridges are several thousand dollars. Monday XX/XX/XXXX, I had a technician come out that refused to take a part areas that had screws and tabs in it. I called numerous times and was directed to several other countries personnel instead of local people. I was scheduled for an appointment, that no one showed and then again today. Today 's told me " maybe '' I could do this or that but most likely I need a new fridge. That I could try to pressure wash it and let it dry for several days or use coffee grounds. I also forgot important medicine in it, where the XX/XX/XXXXgot into the bottle and after XX/XX/XXXX made me XX/XX/XXXX worse than the exorcist and have the worst XX/XX/XXXX like symptoms since. I 've been forced to go out in public to eat and get supplies and may be contagious with some kind of XX/XX/XXXX and was given weak antibiotics by the Veterans Affairs hospital for XX/XX/XXXX like symptoms. These symptoms are worse than any XX/XX/XXXX I 've ever had and could probably XXXX people. I 've been wearing the mask except when eating and then noticed others whom were working coughing, both wet and dry coughs. I understand I panicked but now I 'm very ill and I am not the only one. I may have also been ill prior to leaving because someone speaking to me spit in my eye accidentally. I 've scheduled a request forXX/XX/XXXX and to be seen again by my doctor but need to wait until I get less sick as I believe these symptoms could XXXX  certain individuals like children and seniors. I may have also forgotten to wear my mask at some places. Please contact appropriate medical staff for this, because there was several hurricanes and Puerto Rico will be without electric for months. I care a lot, I 'm just not educated enough.
In the last few months I have contacted XXXX in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX XXXX. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.
Filing a complaint against Experian :   XXXX  /2017- Sent a letter disputing inaccurate/ unrecognizable information from my credit report Never Received a response  XXXX /2017- Sent another letter to follow up and asking for immediate removal of information as my request was ignored.     Still no response.     To this date,  XXXX   XXXX ,  2017 , I still have not received a response from Experian
I was scammed and I have filed and FBI complaint XXXX XXXX. No one at this bank helped me. It could be they did not do their Jobs. XXXX bank also involved and I think banks are part of the problems letting criminal maybe even XXXX activity occur and just worried about loss. 

I was sent a bad wire transfer from someone I trusted. 
I was clues less as to it being fraudulent. 
I trusted him. 
He owed me a small amount and without my knowledge bet put in XXXX. He texted me, did you get money and I looked an was shocked. I was only expected what he owed me. 

When I asked him he asked me for a favor because he was in XXXX in a remote place and needed help covering his employee 's payroll to put in his biz account with XXXX XXXX XXXX most of money. It seemed legitimate. so I did it. 
I think it is legitimate money not understanding this kind of criminal activity. Not on my radar at all. 
So I did it and thought it was done and okay Then XXXX bank recalls the wire and the money is gone so they freeze all my account including XXXX XXXX account who is my son and XXXX money as I am monitoring and teaching him. 
Meanwhile chase keeps keeping me in a run around and I keep calling many dept trying to get answers. No one really talks to me and investigators call leave a message and a number but never get on phone with me. 
They are taking XXXX money too and sending it to XXXX bank. He had nothing to do with this fraud scam The so called person who sent the wire tried to send more without my knowledge and this is happening Tuesday after first wire XXXX. I informed him the first wire was recalled and question him, but he had some reason that it must be how he sent the wire and he would call his bank and try and fix it. Nothing got fixed. 
Finally, I found someone at a local branch to help me That Friday XXXX XXXX and got an internal investigator to tell me the action they took. They are sending all the money in my accounts and sons back to XXXX and I do not have a say. Only then did I find out a wire was sent from a woman I dont know. I was flabbergasted it was not the person I thought he was. It took me the week to put a few of the pieces together but I still do not know how this happened on XXXX bank end and how he did this or who that female is. 

I still do n't know what the crime was and how it was executed. I have filed this with the FBI I have names and bank accounts to trace this, but XXXX A bank and Chase, makes me wonder if they did not XXXX up and there is certainly a flaw in this and I really do n't think the investigator did his job either. 

I mean this is criminal and they do not seem to care. The banks communicate but they Chase just wiped their hands clean of it and me. 
They are not concerned that this is so serious and such a breach. I do not think it 's XXXX laundering money but it crossed my mind, as it should the banks but it questionable as this is pretty well set up crime and is very scary. The banks seem very irresponsible. I have alerted the authorities because I just do not know how bad these people are and they are pros. Unfortunately the bank might have not done what is right to protect our nation. 
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LJ Ross refuse to show validation of the debt they claim I owe them! I have requested validation of any, pertaining to LJ Ross and I in any contract or agreement. I 've written the credit bureaus as well as LJ Ross. Each company refuse to validate the account LJ Ross claim I have with them.
THIS IS MY 3rd ATTEMPT : Although this is my 2nd Complaint with CFPD, Experian still refuses to adhere to FCRA rules and regulations. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete their investigation no later than ( 30 ) days or the item ( s ) in question must be DELETED from the consumer 's credit report. Unfortunately, it took Experian ( 49 ) or more days to complete my investigation, well exceeding the allotted time frame pursuant to FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Also, Experian refused to provide me with a Method Of Verification that they used to determined the validity and accuracy of the item ( s ) that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violation that were committed by Experian ; yet, the remaining violations are listed in my attached documents.
Hello, I have uploaded documents to and my credit report because Ive been Trying to work and get thing off my credit that is not mine I didnt give anyone permission to use my name number address our social security card to anything with as of now its out of control I cant get any type of credit I have names on my account that shoul not be on my account I have credit-card, cellphone bills, cable bills, address credit inquiries its out of control I have documents that I have uploaded and I have more that show only name should be on my account is the one in the document I provide
Upon reviewing my credit report i noticed a collection from XXXX XXXX XXXX. I am not sure how that is even possible. I have never been contacted by nor have i EVER done business with XXXX XXXX XXXX. I would like to take ADVANTAGE of my right as a consumer and dispute this account. XXXX XXXX needs to remove this account until i am able to dispute and they 're able to furnish me debt validation where i agreed to do any business with them hence owing them any money.
This company popped up on my credit report as a collection for a hospital and reporting under another company named XXXX which makes this company reporting on the same debt twice on my credit report. I want the debt to be validated because I never received of letter to validate that the debt is truly mines.
To make a very long story short, I applied for the XXXX XXXX XXXX XXXX program back in early XXXX. I waited nearly 6 months before I heard back from them and when I did, I was told that I had XXXX more years of payments to make when I should have only had another year. I asked them to review their info and in XXXX of XXXX, I heard from them and nothing had changed ( they had my consolidation date incorrect and they said that whole years that I was making payments didn't qualify even though I have always been on the XXXX plan and have never changed ). In XXXX of XXXX, I submitted the documentation ( XXXX pieces of paper ) that showed that their info was incorrect. I called back in XXXX to see if there was any change. I was told to call back in XXXX. I just called today, XX/XX/XXXX, and I was told that they were really backed up and that it might take until the SPRING OF XXXX before a decision is made. Meanwhile, I will be making payments that I should not have to make since my loans should be forgiven in XXXX of XXXX.
I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also (XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at transunion. I simply want these inquiries removed from my credit report with all credit bureaus.
I received an email alert from my credit monitoring company about a collection hitting my account. I was not aware of this debt. I contacted the collection agency and they would not disclose any information about who is filing this collection. The agency said their job is to collect the debt period. To make matters worse, the debt is from XXXX of XXXX. I asked why no one had contacted me prior to placing a collection on my account. The collection company, PRO COLLECT, had no response. I have been at my current address since XXXX of XXXX. So there is no reason I should not have received a bill. In XXXX of XXXX I was working for a large computer company and IF I did go to the medical facility as they have indicated my company insurance would have pay any charges and informed me directly if they were not going to pay a particular charge. By waiting 6 years to attack me, my insurance company is now out of the picture. I do n't think this is fair. I have a high credit rating because I pay my debts. I do n't like the way this company can place a collection on my account without ever telling me. XXXX the comments I kept getting from different people I spoke with at " PRO COLLECT '' was " Were sorry if you never got a bill ''