WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from XXXX stating that they inquiries were factual, while on XXXX they removed at least one, and I looked up experian and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : XXXX : XXXX. XXXX XXXX XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. CXXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX Experian : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX INQUIRY DATE XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 5. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 7. XXXX XXXX INQUIRY DATE XXXX/XXXX/XXXX 8.  XXXX, INQUIRY DATE XXXX/XXXX/XXXX 9. XXXX, INQUIRY DATE XXXX/XXXX/XXXX Thank you for any help that you can provide.
Hello, I attempted to make a payment online to Ditech on XXXX XXXX, XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XXXX XXXX, at XXXX XXXX  when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XXXX and was advised that Ditech put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.
We have a loan with Umqua bank. They automatically retrieve the monthly payment from our bank account. They retrieved the monthly payment twice this month. They admit that they have accidentlly taken the monthly payment twice, however they have yet to refund the payment.
I have insurance, the insurance company said the hospital messed something up and that I was not responsible for the bill. They also said the hospital needs to figure it out. I explained this to the hospital and they said ok. Then I started getting the debt collector calls, I have asked them to stop calling and explained the conversation I had with the hospital. They start getting angry and loud saying you owe this money, etc. today after telling them to stop calling they kept talking until after the XXXX time me telling them to stop calling and that 's when they said goodbye and hung up.
I recieved a letter on XXXX XXXX of an address change on a closed account on my Walmart mastercard. I never authorized an address change this is not a " account take over '' it is identity theft. I have always lived in Illinois not Kansas. This account should be closed due to fraud transactions on the account and identity theft. The customer service team should never have issued an address change without my knowledge. I paid on the account what I owe and I want all fees and interest and the account a XXXX balance due to the customer service departments incompetence and breach of my account information.You have no security about protecting someone 's account. I will notify all federal agencies of consumer fraud and not updating any fraud on my account. This never should have happened at all again I never requested a address change, it is theft and this Synchrony XXXX has allowed it to happen and nothing done about it. The entire account is fraud now and the bank is responsible and needs to fix my credit report immediately.
I proactively called US Bank to informed them that I 'm no longer able to continue making payments on my 2nd home due to a job relocation. Although, my house has been vacant and on the market for 11 months, I have not gotten any serious offers. The bank representative said I did n't qualify for a short sale, but would be able to assist with a Deed in Lieu. I submitted all required documents and to date they have been stalling asking for my current year to date pay stub. I submitted my annual salary twice to the bank, but they have not taken any action. I called the Relationship Manager, and was told that the bank is considering a refinance option for me. I never asked for any refinancing options as I do not want to keep the house ; since I can not afford it. Their are certainly against my request, inconsistent with my telephone conservations with the customer support agent and were NEVER discussed with me prior to me elevating my request to speak with the manager.
I filed my disputes with my XXXX credit bureaus and never heard anything and I filed in XXXX
I'm not familiar with the below inquire on my credit and should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2018 Alert Type Inquiry Processed Date XX/XX/2018 Inquiry Date XXXX Inquirer Name XXXX CARD Address XXXX XXXX XXXX, XXXX, DE, XXXX End User Text EIS/
On XX/XX/XXXXa letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we are required to have wind and hail insurance for our property at XXXX XXXX XXXX   We immediately complied and purchase a policy from XXXX. Then onXX/XX/XXXX a letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we needed to verify wind and hail coverage from XX/XX/XXXX-XX/XX/XXXX. If we were unable to verify coverage, Freedom Mortgage would buy a policy for us, paying for it via our escrow account. We do not see how it is possible to purchase a policy for last year and be charged for a non-service. We also deem it unnecessary considering the year has passed and we do not have any claims for that time period.

Freedom Mortgage bought our loan from XXXX XXXX and up until receiving the first letter on XX/XX/XXXX we were unaware that we were required to have wind and hail insurance. Upon receiving the second letter on XX/XX/XXXX we contacted Freedom Mortgage about this issue. Freedom Mortgage admitted that it was their oversight that we did not have wind and hail coverage. We believe that it is unfair for us to pay for a mistake made by Freedom Mortgage.

On XX/XX/XXXX Freedom Mortgage will purchase a wind and hail policy for XX/XX/XXXX-XX/XX/XXXX using our escrow. We are disputing this charge. It is unfair because we were never informed prior to XX/XX/XXXX that wind and hail insurance was required.
I have contact ed Exeter Finance sev eral times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  Exeter Finance ha s refused to remove these inaccurate reporting on my credit file with  XXXX ,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
I supplied a " statement of up to XXXX words '' some years ago regarding this debt. The credit reporting company has failed to report my explanation of this disputed debt to XXXX Bank, resulting in the denial of my application for credit.
My credit card issuer, Synchrony Bank, assessed my account with a late payment fee of {$37.00} on XXXX XXXX, 2016 that was a direct result of their online payment system being unavailable to access requests from XXXX and Customer Care Agent in providing incorrect payment processing information. In speaking with their technical support services staff on the payment due date of XXXX XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Sychrony Bank Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. I followed up with a phone call to process a payment over the phone and unknown to me at the time the payment was processed for another unrelated Synchrony Account. In following up on XXXX XXXX I called into their service center where an agent informed me that because of my " account type '' they were not authorized to reverse any fees - despite the origination of the issues I had being with Synchrony Bank. I escalated the phone call and asked to speak with an Account Manager who was inflexible about the position and insisted, in our approximately 30 minute phone call, that I held ultimate responsibility for their error.
The enclosed XXXX for the Attorney of XXXX signers did not become legally effective until XX/XX/2010. XXXX and XXXX names are listed on the XXXX. This new information further confirms the enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the XXXX of the City of XXXX to claim legal ownership is invalid. XXXX C.F.R. XXXX subsections ( XXXX ).
In XXXX of XXXX, I obtained a home loan refinance & a Home Equity loan with Countrywide Bank. The loan was subsequently purchased by Bank of America. Due to the inflated home values established by Countrywide, and the loss of my homes ' value along with a verifiable hardship I was granted a principle reduction as part of a Department of Justice mortgage Settlement in XXXX offered by Bank of America. This Department of Justice settlement afforded me an opportunity to bring my homes value in line with the correct fair market value rather than the inflated value originally established by Countrywide. However, remaining at issue is the Home Equity line of credit that was never settled by Bank of America via the Department of Justice for the amount of {$84000.00}. My specific complaint is that the Home Equity Line of Credit was granted to me by Countrywide using the same predatory lending techniques as the primary mortgage. The predatory lending techniques that Countrywide used included using an inflated home value as established by the appraisal company Countrywide owned, using stated income for me only and not both incomes from my husband & I, placing the home loan in only XXXX spouses name when both spouses qualifed and not to mention the bundling and selling of the primary loan and the home equity line of credit to investors. Based on the Department of Justice last settlement in XXXX reached with the XXXX major banks that includes Bank of America, I should be entitled to the provisions of this settlement that specifically addresses the extinguishment of Home equity lines of credit. However, I have been told to contact the mortgage servicer XXXX XXXX XXXX that Bank of Anerica transferred the HELOC loan to for a modification rather than an extinguishment of the loan. This Heloc loan should be extinguished & my credit rating restored. I am unable to obtain affordable credit due to the consistent detrimental negative reporting that XXXX Resolutions does on a regular basis. Bank of America will not assist me in getting this loan transferred back to them to settle fairly. I seek assistance in getting this loan transferred back to Bank of America to receive all of the settlement provisions for extinguishment of the Home Equity line of credit.
I filed an official dispute with Equifac on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as mistated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Equifax return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Equifax has not provided any further information to explain why they have decided not to update their files.
First of all, the compound interest is a joke. I am making {$320.00} payments every month and my balance keeps growing like weeds. Basically, my payments are just going into thin air towards ridiculously high interest rates. This is for private loans, no complains about government loans. 
Second of all, they are never willing to work with you on payments. For the longest time they would n't tell me I could use income based repayment plan and they made me do deferment and forbearance instead. They were not willing to lower payments even after I told them I went through XXXX and was struggling financially. They gave me an attitude when they saw a new car loan on my credit but when I asked them how they expected me to get to work when the bus took 2.5 hours, they had no good answer. 
Navient is not a student loan company, they are a modern day debtor 's prison!!! 

P.S. The school that I attended that pushed me into these loans at the age of XXXX and promised me gold mountains is just as bad as Navient. They are now closed and I am left with piles of debt.
well, i cash my income tex check with XXXX XXXX in 2008 i put the sum of XXXX dollars a cuple weeks after with XXXX XXXX and netspend was the card holder at that time, well i was told that the card would be sent to the address i was staying at, well i ended up moving before the card came, so i went to the place where i was staying at and talk to one of the guys who work there and he said that a card came but he sent it back to the sender where the card came from. so i went to the place where i put my money at and they told me that they didnt have any paper work on or about my money or anything showing about what or how much money i put in that i would have to talk to netspend, well i talk to netspend and they lie, d about every thing, i know what i did and how much money they owe me, and if i dont get my money real soon im going to sue them i talk to my lawyer yester day. thank you XXXX XXXX XXXX XXXX
I have called to try to get through to someone and can not get a representative on the phone to tell me why my account was closed without my authorization when my account was current and had a XXXX  balance
A purchase was made online for product " A '', but the item was no delivered, instead a product item " B '' was sent instead, with a modified invoice without my permission or consultation. 

Vendor ignored email requests for a return shipping label, after claiming to accept returns and refunds. 

Dispute was made to citibank via secured chat, full details including product model numbers were given. But days later, citibank reversed the temporary credit after vendor claimed they delivered the product. There was no follow-up from citibank prior to this claim. I further certified that I did not received the product as ordered, but instead was met with a citibank letter detailing that I needed to obtain a written permission from vendor in order to obtain a credit refund. Despite me stating I have evidences in the 2 chat, 1 email and 2 phone calls made to citibank. They have not made any attempts to obtain them or verify them from me. 

A phone call was made to the dispute department ( XXXX answered ), here I was appalled to discover that there was no means to contact the case person in charge, that the call was no recorded, and no information from that call will even reach the dispute department., and that the department had registered my dispute wrongly as non-delivered product and had decided to listen to a one-sided story from the vendor instead of verifying or consulting me in person. 

A letter was sent via the only method to possibly ( because I do not think they read it honestly ) reach the department ( as notified by the phone rep - XXXX ). Here in this letter, I detailed all email correspondences, XXXX dispute process, chatlog, photos of product B which was delivered in stead of A, including packaging and a invoice showing what was delivered versus what I ordered. 

The case was later closed by citibank with this exact remark : " Since there is no detailed description of the merchandise or services excepted to receive, we are unable to assist you in obtaining funds from the merchant '' Citibank has presented that their dispute department is incapable of performing due dilligences in dispute cases, unable to communicate even within their own departments, and extremely unwilling to allow customer to call them out on their fails.
In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a XXXX card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. XXXX was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by XXXX to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

XXXX is still showing on my XXXX  credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the XXXX information was " Verified as accurate ''. 

I had seen an increase in my Experian credit score when the amount was paid to XXXX and at that time Experian was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from Experian that XXXX had reported negative information to them and now that XXXX account is showing up as " Charged Off '' with a balance of {$20000.00} on my Experian credit report. My Experian credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this XXXX account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by XXXX, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per XXXX 's instructions.
Have been working on credit dispute with company on two charges that were not authorized on billing. 1 for a {$25.00} parking charge on XX/XX/2018 and 1 for a hotel nights stay that was charged for {$160.00} ( that charge was originally paid for in XX/XX/2018 for a prepaid nights stay that actually took place on XX/XX/2018 ). Both combined charges were not charged back as the company Discover claims the charges were valid. The truth of the matter is the hotel room was double booked the hotel committed to crediting back charges and did not do so. Discover claims hotel states they are actual approved charges. As the consumer I can attest that we did not stay the night and the charges are now a fraud issue. The Discover card states plainly that they protect the purchaser from any fraud charges but fails to do so when claims are submitted with documentation.
Purchased item on XXXX using PayPal credit in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with PayPal as " they would help ''. Only option at PayPal was to file a claim. Claim erroneously denied with PayPal stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get PayPal to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from PayPal so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. PayPal never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse PayPal for their outlay to the merchant, as soon as I receive the item as advertised.
Portfolio Recovery Associates ( Hereafter PRA ) and I came to a settlement agreement on an account on XX/XX/XXXX. They emailed me the settlement agreement, and I immediately paid the account upon receipt of the email, during the same telephone conversation. I then initiated disputes with the 3 credit reporting agencies on this account. 

On XX/XX/XXXX I received the results from my dispute with XXXX on this account. XXXX was updated by PRA to show that it was still an open account with the balance reduced from the initial {$1200.00} to a new remaining balance of {$360.00}. The amount of settlement agreement was {$850.00}. Using rounded numbers ... XXXX. 

Rather than updating the account as settled or closed, PRA now lists the difference between the full balance they initially requested and the amount agreed upon by settlement as a past due with balance remaining. 

PRA can not claim ignorance as I made the payment in Lump sum. They chose to validate my dispute with the CRA to the balance remaining. 

When I contacted Portfolio about these issues, the initial customer service person I spoke with stated that it was correct, but after I persisted transferred me over to the disputes department. The gentleman there told me to call back in a few days after they had a chance to investigate it. I will follow up later, but it should never have been an issue as they chose to update it incorrectly when it was disputed with XXXX.