WillisBack/dataset-financial-user-claim huggingface dataset:
After having multiple inquiries about loan options, I received a copy of my credit report and see that my credit score has dropped severely. At no point in time has anybody representing the company with which I checked about a loan warned me about the negative impact of a simple lookup of credit. I 'm now unable to qualify for a much needed home loan, and I 'm told that it will take at least 2 years to fix this issue. My dispute is that these inquiries were not made in a fair manner and should be removed from my credit history.
the pay day loan name cash net usa XXXX XXXX XXXX and I have a loan through them they took the money from me from the same account and this month they sent it back and it was return to my bank that they have my account number this cash net usa and me and my bank do n't know why they return it when it belongs to them they know they have to take it out of the saving account cause I am a scam victum which people got a hold of my account and took money out of there without my permission..they ask u for your last SSN and I tell them XXXX and if u could help me by telling them they need to resend that so my bank can get this payment to them that they sent back to them u can look it up and they want probably my email address it is XXXXXXXXXXXX my phone that 's on my account is XXXX its not working but that it was told to them and I give my cell phone to them XXXX I would like for u to help me to have them take that payment out cause I do n't want it back in there when they sent it back they have the information all they have to do is ask for the saving account which they have and they took it out on the same numbers they have they are trying to cause problems and I do n't want that yours truly XXXX XXXX u can call the bank and they will tell u to XXXX ask for XXXX she takes care of it
I have disputed a fraudulent account for XXXX XXXX XXXX twice with Equifax and both times they have stated the account to be verified. As I mentioned in both my disputes that the account is fraudulent in nature which was never opened with my permission or knowledge. XXXX  and XXXX both deleted this account almost immediately. As of XX/XX/18 I filed an Identity Theft Report with the FTC. Equifax does not reply to mailed in disputes with proof so I am disputing this account by a means of the CFPB. I have included my Identity Theft Report, Letter to Equifax, copy of the FCRA 605b, copy of my Drivers License, copy of my Social Security Card, Proof of Residency and copy of recent Equifax Credit Report with the Fraudulent Account highlighted.
I paid Ameritech both upfront and monthly charges to assist in servicing my educational loans. The monthly fee of {$99.00} was for " educational services '' which I never used and was under the impression that I was required to pay.. Upon learning of the FTC 's suit against Ameritech ( FTC Matter/File Number:XXXX XXXX, Civil Action Number : XXXX ) I cancelled my account and requested refund of the $ XXXX/month fee which began in XXXX of XXXX and continued until XXXX of XXXX. Ameritech denied my request and noted that Ameritech had counter-sued the FTC. I believe that this money should be refunded.
I have a complaint for chexsystem I sent them a letter about some information that was inaccurate that didn't belong to me and it's giving me a hard time to open up a bank account. Under the statue of limitations at CRA if there's no response and must be removed or it's a violation and can be sued each Bureau and collection of {$1000.00} fine. I am asking to please remove XXXX XXXX XXXX XXXX from my chexsystem as an exchange. 


Thank you so much I appreciate your business sincerely
XXXX   XXXX  is reporting negative on my account for a  CANCELED CONTRACT.  I have recently been informed that there is negative information reported by   XXXX   XXXX   XXXX   in the file transunion and  XXXX  maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing that i owe {$2400.00} to   XXXX   XXXX   XXXX  . I dispute the accuracy of this listing.Please validate this information with national credit systems and provide me with copies of any documentation associated with this account, bearing my signature showing that i have done business with them, signed a contract with them or owe this company specifically money. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   I am keeping careful record of experian and transunion 's actions, including their Method of Verification. I do not consent to  XXXX  or any means of automated verification.   I have been the victim of id theft and this company is claiming that i owe them money, but they can not produce DATED, SIGNED CONTRACTS THAT I HAVE DONE BUSINESS WITH THEM OR OWE THEM ANY MONEY. Again, i need to see copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file
On XX/XX/2018, I sent Portfolio Recovery a cease of communication letter, which they signed for and they continue to harass me by sending me mail everyday from their XXXX, CA address. I have tried repeatedly to get Portfolio Recovery to stop sending me mail, to remind them to follow the law and they continue to ignore my requests. See attached documentation as evidence.
XXXX XXXX, XXXX, and Experian all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
I have consolidated student loans and the XXXX XXXX XXXX XXXX has sent the corrected information to all XXXX reporting agencies and Equifax has still not corrected this information. There is only XXXX loan through the XXXX XXXX XXXX all separate loans through XXXX have been closed and paid in full. These should be taken off of my account at once. At this time Equifax has them listed twice for the consolidation loan and then separate old loans. 

I want these fixed ASAP so as to stop affecting my credit score.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ. 
( XXXX ) XXXX XXXX Mortgage Company in Question : Ditech Servicing Account # XXXX To Whom ever it may Concern : I being Mrs . XXXX XXXX would like to File a Formal Complaint against the name Mortgage Company above Ditech. 
Accordingly, On XX/XX/XXXX I initiated a Bankrupsy that did not include my home. ( will explain Further on ) It pertained Primarily to Credit Cards. Accordingly, I was with XXXX XXXX XXXX at the time Nevertheless, Both Mortgage Companies have appeared to have Presented a violation to this Consumer. 
The situation became Damaging when XXXX XXXX  for no apparent reason changed my Mortgage to a Servicing Company ( Ditech ) without warning and without my Consent. Additionally, I was never Provided any Documents to Sign or review. We were never late or in Default with XXXX XXXX  yet, with Ditech I had to do a Modification. Such presented itself to be atleast {$100000.00} difference between the ( 2 ) loans .Nevertheless, after many years have Passed it was recently Discovered that my Mortgage is not being Reported to The Credit Bureaus. Our Credit is Important to us and we would like to see our Tradeline for Ditech on our Report .Although, many feel that they dont have to Report The FCRA provides Consumers with the prospect of what is Fair and Accurate .Otherwise the Mortgage Company can do as they feel and charge excessive amounts of money to the Consumer and there would be no verification .And the Consumer would be left to fend for themselves. 
As Previously stated I did a Bankrupsy in XXXX I was not with Ditech at the Time and my Bankrupsy was only Cards notmy Home. When I phoned Ditech on XX/XX/XXXX as to why they were not reporting the Mortgage.They Stated it was because of the Bankrupsy and I would need a Bankrupsy Law to reestablish a loan with them we are still making the normal Payments and the has never been an agreement to Stop making payments previously or now.The point is that we want to be treated Fairly .And we need the Mortgage Company to Comply according to Federal standards and to live up to their obligation to respect The Consumer.
I want to inform you of Capital Ones unfair reporting practices. They have been reporting a sold charged off credit card account ( XXXX ) in my name to the credit bureaus. They sold the account XX/XX/15 to The Bureaus ( XXXX ), but have been reporting it to the bureaus as a Capital One debt with a balance owed that is still open to this day. They sent me a letter stating they were sorry and would remove the account. However, the account is still being reported. ( Proof is Attached ). This is considered double or unjust enrichment by federal law and is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).
in 2010 i just graduated from XXXX and rented a room on a 30 day trial run to see if i could make it as a XXXX. they had a small business which rented rooms to XXXX XXXX and another XXXX. a lady selling credit card machines invited us to all group together to use XXXX terminal and each have a specific number for each of our transactions the lady sat us down all together and verbally told us there were no commitments until 30 days and if we closed after a XXXX period of time the contract would be voided. if i sent her a picture of the empty room in which i did close with in the designated time before i became locked in the contract after the 30 day trial. everyone of us shared the terminal and we returned it within the specified time frame when the salesperson came to see my closed XXXX. i had not had a XXXX and did not even have a rental agreement for the room.which also was on a trail basis.i did n't even meet certain guidelines for even being able to get the offer of a terminal .that 's why she said it was a trail run.because i did n't qualify until i had the correct paperwork and XXXX which i could not afford to do. I was not the only person w a contract and if i did n't use the terminal alone there should be others that can verify the verbal agreement of the trial 30 day term.please try to help.the representative did not tell us the truth when we signed the paper.she said that there would be no problems that she would guarantee us that we were not responsible if we could n't afford to stay open.i could n't even pay for my supplies.why would i obligate myself to a huge contract? and the rep knew that and she still trapped me into signing along with other people who signed.
Enclosed you will find two letters : 1. XXXX XXXX Security Freeze Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.
On XX/XX/XXXX a collection was placed ony account by retail merchants association with a debt of {$940.00} they stated I owed to the city of XXXX XXXX XXXX. I spoke with XXXX today XX/XX/XXXX to see why because at the time when this occured I was a minor and I had insurance. She stated XX/XX/XXXX is when they sent the collection to the agency not when the XXXX ride occured. She stated I filled out information in the XXXX back then which I informed her I could n't have I was a minor. She stated my mother must 've filled it out wrong but my mother never came to the hospital and I never did see a doctor. So she said " if I would 've answered the phone back then they could 've helped me ''. I told her I was a minor and no one answers strange numbers. I told her I do remember telling a representative I was in school during a call an she stated " you remember that from five years ago you must have some good memory ''. She kept stating what I should 've done but I told her I was a minor and she stated you kept hanging up you should 've talked to us. She refused to listen to what I had to say. No paper work was ever filled out.
I received a letter from XXXX XXXX XXXX regarding a debt from Jefferson Capital Group with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to XXXX XXXX XXXX within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, Jefferson Capital Group has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
I have a debt on my credit report from National credit systems for {$100.00}. I called onXX/XX/XXXX @ XXXX to negotiate a settlement on the account. The initial lady I spoke with said she would transfer to a rep. The lady by the name of XXXX was very rude. She violated my right under the FDCPA because she did n't read the XXXX to let me know she was attempting to collect a debt. I asked to speak to a supervisor and she told me that she was the supervisor and she was not going to transfer me to anyone else. I was trying to ask additional questions about my account and she hung up in my face while I was still speaking. I was not able to get my account resolved and my rights was violated! I called and left a message on her manager ( XXXX XXXX ) voice mail and I have n't heard anything back from him.
I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, XXXX  and TransUnion. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX Citibank XXXX XXXX
I ordered credit report on XX/XX/XXXX through my creditchecktotal.com. I noticed account appearing though XXXX XXXX XXXX with $ XXXX balance, apparently this account been open since XX/XX/XXXX. This account appeared out of no where, I never opened that account and it only appeared on my report in XX/XX/XXXX. I send a dispute with Experian, they told me they were able to verify this information though XXXX XXXX. I contacted XXXX XXXX XXXX they said that I do n't have this account through them, and they said call Experian. I called Experian and lady was very rude with me and told me that she would not do any additional investigation and I need to call the bank, I called the bank was on the phone with them for 2 hours and they ca n't find this account. I tried calling her again but she was rude again and said ca n't help me. This account is only being report to Experian. Even if it was my account, this account is over 7 years old and should not be appearing on my credit report. 

I have attached my credit report please review : XXXX XXXX XXXX XXXX XXXX XXXX
We received a letter from Wells Fargo stating that they will be closing our business checking account that has been open and active since XX/XX/2002. The account funded an initial investment to a reputable developer as a partner and is currently receiving distributions from the net rental proceeds on a monthly basis. We do not deposit any large amounts of cash to this account. We have never written any bad checks from this account or any of our accounts. The Wells Fargo letter states that the pending closure is a " business decision ''. There is no risk associated with this account and any claim that this account is a risk would be a false assessment. We feel that Wells Fargo is simply claiming a " risk '' out of thin air and closing accounts to simply satisfy and counter their recent shady activity of opening unauthorized accounts.
The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to XXXX XXXX XXXX , XXXX. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.
XXXX XXXX XXXX XXXX uses intimidation tactics, many phone calls and letters to attempt to collect from XXXXXXXX XXXX XXXX -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXXXXXX XXXX  XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.
File bankruptcy XXXX payments was XXXX a month stayed their until maybe XXXX XXXX. All payments went to the mortgage company I did not get credit for my payments. 
XXXX XXXX GEORGIA XXXX XXXX / XXXX XXXX DIVISION
This is my third complaint filing on Bank of America. The Mortgage Servicing Rules requires that a servicer credit a periodic payment from a borrower as of the day of receipt. Three checks were attached to print out from the online banking system and placed in the night drop on XXXX/XXXX/16 but not posted until XXXX/XXXX/16. I have asked three times that the payments be reapplied to the day of receipt. I have been told that BOA has 24-48 hours to post payments placed in the night drop. I have asked twice for something in writing with that information because it is not posted on the night drop or on my billing statement. Also, my privacy was violated. A BOA employee called my place of employment and told another employee that there was a problem with my mortgage payment checks that were left in the night drop. I did not get the message until XXXX/XXXX/16. I started calling the bank at XXXX to find out why the payments had not posted. I had to call the branch four times to get help with my payments. The manager was extremely rude and not helpful. Only after I persisted, did the manager ask the employee the problem with my payments. I am asking again that the three loan payments be backdated to XXXX/XXXX/2016. I will not use the night drop anymore. I have been treated badly by Bank of America and am very dissatisfied with their service.
Reason for Dispute : I believe that this account inquirie is invalid. I did not authorize an inquirie. Please validate this account in its entirety or remove this entry from my credit report. Thank you.

Hard Inquirie ( s ) : XXXX XXXX
Loan was sold from original lender to 1RST Investors servicing corp out of XXXX, Ga. cfpb is very familiar with them. The original lender graciously moved my due date to my payday. When 1rst Investors bought loan then refer back to original contract and are now dunning me for being late because there customer service rep said the are required to honor only the original due date. I have never missed a payment-ever. Now they want a double payment.
On XXXX/XXXX/2016 I applied in-branch for the Chase Sapphire Reserve. Chase did a hard pull on my XXXX credit report and immediately declined me for " too many cards open in the past 24 months ''. Upon calling XXXX services, they explained to me that they have a rule called XXXX. If you have opened XXXX or more credit card accounts in the past 24 months, you will be automatically declined for a most varieties of Chase cards, regardless of your credit score or history with Chase. I have top notch credit and excellent history with Chase. I have opened exactly XXXX new credit card accounts in the past 24 months. If Chase wants to do that, they certainly have the right to. But nowhere, in any brochure or disclosure, does Chase warn you of the XXXX rule. It is only after you apply that they inform you. This is a deceptive lending practice, and hurts my credit by putting a hard pull on my credit report for absolutely nothing. If Chase wants to continue with XXXX, it needs to be clearly disclosed on every advertisement, brochure, and application disclosure in order for the consumer to make an informed decision.
AmSher Collection Agency continues to report to XXXX that I have an outstanding collection item with them. This was resolved in XXXX. I have disputed this with XXXX   and with AmSher, but they refuse to remove this collection account for {$980.00}.
The XXXX XXXX, a franchise of the Bankshares , Inc., is my mortgage servicer from XX/XX/XXXX.  After 12 years of impeccable service, in XX/XX/XXXX, the Bank transferred my account to the newly formed XXXX XXXX XXXX in XXXX XXXX, MD, and the problems occurred with the new office manager who was not fit for this position. When he was caught in wrongly advising the customer about options for the loan modification, he did not admit the error but started to manipulate customer 's mortgage account in order to produce a virtual delinquency and to punish him for his grievance protecting his rights. As a manager of the XXXX XXXX XXXX he had the opportunity, wish and the bank " power '' to start the foreclosure proceedings which failed in XX/XX/XXXX. Because of this failure, later in XX/XX/XXXX, he hired a law firm which had experience in debt collections, appointed them as " substitute trustees '' to avoid the responsibility under FDCPA, provided them with his fabricated affidavits, and finally succeeded to manipulate the Court to allow him to sale the extorted prpperty for {$50000.00} above the the purchasing cost which equalled the mortgage debt. Nice profit from wrongdoing. Is it allowable? 
I admire the United Bankshares , Inc, Code for Conduct and Ethics, and I wish that they will insist their franchise, the XXXX XXXX in MD/VA to comply with this code. If this happens, the most of the problems in this complaint will be solved automatically.
I 've received numerous letters from Selip & Stylianou , LLP stating they are authorized to commence judgement enforcement efforts to collect on a debt that has long passed the statute of limitations in the state of NY. The debt charged off in 2003 and the statute of limitations is 6 years.