WillisBack/dataset-financial-user-claim huggingface dataset:
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and Pentagon FCU. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and Pentagon FCU.
I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.
I had closed a credit card with Chase less than a year ago. My wife inadvertently used this card to get a refund from a merchant, a grocery store. Upon learning of the mistake I called Chase to have the credit applied to my current Chase credit card. After a series of phone calls with customer service agents, dispute resolution agents and supervisors. Chase could find no record of the closed account. In my last conversation with Chase they agreed to apply a credit for the {$57.00} to my current card as a courtesy. I instead received the following letter.
Financial Asset Management Systems ( FAMS ) is engaging in behavior that is in flagrant violation of the Fair Debt Collections Practices Act. I have repeatedly asked FAMS for a statement balance regarding my payments, including interest rates, collection costs, and fees. They have repeatedly ignored my requests. In addition, I called FAMS on XXXX XXXX, 2015 at XXXX XXXX EST to make a payment and the agent that I spoke with proceeded to hang up on me even though I have provided my social security number and date of birth as verification. FAMS is engaging in illegal and abusive debt collection violations which are illegal under the Fair Debt Collections Practices Act.
My son and I were on an auto loan together and he could n't afford it anymore so we voluntarily surrendered the vehicle to the bank.we were told they would send a final bill after car is sold in an auction and have n't heard anything yet from them since we gave car back in XXXX 2015. Yesterday XXXX 2015 they somehow got my tenants number illegally and called her wanting her to disclose our personal information to them, like where we work and our phone numbers etc. And they also told her that we both may get a warrant for our arrest ... they have the car back so how can they threaten to arrest us for something we no longer poses? This bank has major issues and needs to be stopped..they had no right contacting my tenant and involving them and we do n't know how they got her number except googling it which should be illegal to do in this scenario. They also falsely reported on our credit reports that the car was a repossession not a voluntary surrender like it was.
My ( 2 ) federal student loans with Nelnet are being reported to the credit bureau 's as late for the period in which I was in school and they should have been deferred. Both accounts were paid in full years ago, so I am unsure how to correct this error on my credit bureau reports.
Creating a new complaint to respond to the response Suntrust had provided to our earlier complaint - apparently CFPB process does not allow follow-up to a vendor response. Here is our response : First, please provide documentation as to bill amount that Suntrust knew when it made the payment on XX/XX/XXXX. When I had contacted Suntrust earlier they had told me that they electronically verify the amount with county before making payment and that they will provide me such document. Second, even after contacting Suntrust on XX/XX/XXXX, bill was not paid in time while interest kept accumulating - as of last check this interest was {$440.00} as opposed to {$290.00} when I had contacted Suntrust. It is unacceptable the time Suntrust took to pay the bill and we should not be responsible for or penalized if Suntrust can not make its processes efficient.
I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report I have no knowledge nor any accounts that are positively attached to them. Equifax is stating that " inquiries are a factual record on file. '' How are these inquiries factual when I have contacted the creditors and there is no account. For the more they have no knowledge of me doing business with them. I have supporting documents of proof that these creditors have requested deletion of the inquiry. Given the recent breach with equifax, they are impossible to get a hold of again. Thank you for your time and cooperation.
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra
The date of XX/XX/XXXX I requested three withdrawals from Coinbase to my XXXX XXXX bank account. 

The first withdrawal was for {$5100.00} The second withdrawal was for {$270.00} The third amount was for {$330.00} I was informed that the funds would be in my account on the XXXX. The funds were not deposited by this time. 

I contacted Coinbase Support and was given two form letters, asking me to wait an additional 5 days. Still there was no transfer to my XXXX XXXX account. 

I was finally able to contact XXXX from coinbase who informed me the wire had been sent on the XXXX and I should check with my bank. 

My bank has no record of any wire from coinbase in these amounts. 

Re-contacting Coinbase Support i requested the federal wire number that accompanies wire transfers. I have not received a response, nor my funds, as of the time of this submission.
I work for XXXX and currently my wages have been being garnished for the past year. I have wrote two letters to the President of the US and have received a response. I did not know this bureau existed until the current lawsuit. My student loan is with Navient and they would not work with me. My son was diagnosed with XXXX, as well as XXXX which put me behind in my loan. They refused to work with me to get my loan current. I told them I could provide all medical documentation which clearly states that my finances were helping my child. They are garnishing my wages as well as continuing to accrue interest will they are garnishing my wages as well. They refuse to help me and just keep taking from my check as well as adding on interest while taking. Please help. The President of the US has sent me a letter in return that he is hoping to fix this situation. I can provide all documentation to date.
This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XX/XX/XXXX. I gave evidence of same and they continue to state it was opened in XX/XX/XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.
I had charges on my account that were from fraudulent companies and I was trying to stop them from occurring. I called Fifth Third bank to freeze my account, and they would n't so I had to pay for XXXX stopped payments. The payments did not get prevented and it was a waste of {$130.00}. I wanted to close my account, but they told me it would take 48 hours and within that time, if a transaction came through, they would open it again to let it go through. 

I then had to open XXXX investigation cases on the payments that I tried to get them to stop- because of this I had to open up a new account to move my money. They linked my current bank card to the new account and were mailing new checks that took over two weeks, and because I had no access to the full account number online and no checks, I could n't switch all of my payments over to the new account. I had to continue to use the old account in order to get my personal business done. One night after work, I made an ATM deposit using the only card I had, which was tied to the new account and because the deposit did n't go into the old account per say- and I could n't transfer funds until the next day, they charged me almost {$300.00} in overdraft fees on my old account. 

I tried to go in a bank branch and reason with them, the manager of the branch told me he had no power to reverse anything. They also had in the past, charged me fees for their own fees!! Such as the stopped payment fees- they charged me overdraft fees on my old account for the stopped payment fees they charged me. Everything is charged to me by this bank over and over again- they find any reason to take money from the customer- they are serious crooks. 

I ended up closing my accounts with them and I still have one account that was the original account I tried to close and now it 's negative {$1500.00} from all the overdraft fees they charged me, since I was not paying them for almost {$300.00} in overdrafts a couple of weeks ago- they would n't reason with me at all. I hate this bank and I do n't want to pay them a dime more. 

Please help.
There was an account opened from XXXX XXXX back in XX/XX/XXXX that I disputed from identity theft. XXXX XXXX closed the account on XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from " Legislation Office '' and all came from Portfolio Recovery asking that the debt was mine because they can show statements where there were purchases made and making payments. 

I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from XXXX XXXX showing charges from XXXX and XXXX. 

They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. 

They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. 

I really need help with this harassment. Thank you!
Midland Funding LLC has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.
All events took place over the internet on XXXX/XXXX/2016, last Friday. 
I performed a transaction which would debit one of my checking accounts for {$270.00}. After I completed it and within the hour, I realized that my profile at the application site where I completed the transaction had my Bank of America account. This account did not have the balance to cover the debit, but I proceeded to do an internal account transfer, which was successfully processed. 
Bank of America posted the debit amount on the same day, XXXX/XXXX/2016, but held " pending '' the credit to cover it ( via the transfer ) until XXXX/XXXX/2016 and causing an overdraft charge. 
I called BofA on XXXX/XXXX/2016 and spoke with Rep Aundrea ( or apologies if I got the name wrong ) who at the end, despite of that I asked for a courtesy refund, insisted to tell me that it was not an error since BofA processes the transaction immediately after the customer provides their routing and account numbers to the website, regardless of whether a transfer/ deposit to cover is done, even within a second. 
I found the situation to be very deceiving and incorrect, especially after explaining that the transfer crediting the account happened within the hour of realizing the fact. I explained that transactions arrive on a given day and they post credits first then debits. It is a matter of principle. 
Thanks
On XX/XX/2018 I was notified by my Home insurance company that my home insurance premium of {$1600.00} has not been paid. After contacting my agent and calling the mortgage services : Carrington Mortgage Services, I request research on tracking the payment. Carrngton expressed that their system does not identify on the check a reference to my insurance policy nor does it list me name. They stated they send the check with a reference paper. XXXX XXXX, my homeowner insurance company, stated they returned the check to Carrington due to lack of reference on the check on application of the funds. Carrington denied receiving these funds back from XXXX. My policy lapsed as of XX/XX/2018 and he lack of response from Carrington shows they are not concerned with rectifying the matter. I spoke with a manager named XXXX from Carrington Mortgage services who identified herself as a Manager with the firm.
I signed a contract to purchase a home on  XXXX   XXXX  and contacted a broker I have worked with in the past,  XXXX   XXXX . When I worked with him prior he was with a different company, he is now with PRMG, and that is who I closed my loan with. The process started on  XXXX   XXXX , I was assured it would be a 30 day or less process and that the closing date of  XXXX   XXXX  would be no problem. Not only did I not close on the  XXXX , I ultimately did n't close until  XXXX   XXXX . I was told the broker had many options as far as mortgage rates go and that I would get the best rate. Granted rates were a little higher when I started the process but I was told if things changed it would be addressed. Long story short, I was  given one exc use after the other as to why the loan was n't closing. I was also told I needed to pay 2.72 % to buy down the interest rate down and I was very concerned about this as I have never paid anything to buy a rate down on any mortgage I have ever taken out.  XXXX  said he would help me out and give me an approximate {$5000.00} credit at closing to help cover some of the cost. He did not, there was only a {$120.00} credit on the day of closing. I asked about rates and if they were to drop, mainly because I had contacted  XXXX   XXXX   XXXX   XXXX  because I am a member and they were actually offering a better rate with no fees and if rates dropped I would get the better rate but  XXXX  said they would never be able to close by the  XXXX  and that they do n't know how to handle complex loans. Well considering  XXXX  had  one e xcuse after the other as to why my loan was n't closing on the  XXXX , in addition my rate lock expired on the  XXXX  and rates had gone down substantially. I have asked for documentation to show in writing the rate and why I did n't get the better rate but have received nothing. I also do n't have a signed copy of the loan estimate documents. During the final days of closing I requested th e CD,  which I was provided on  XXXX   XXXX , but  XXXX  said it was not in any way accurate but that he would get me the correc ted one s hortly. I DID NOT GET THE FINAL CD UNTIL I WAS DRIVING TO MY CLOSING ON THE  XXXX . I was so   XXXX   and upset that I truly did n't even know the final numbers and only got them when I sat down at the closing table and the office was closing soon so I felt totally pressured and could n't dispute anything. I questioned the numbers but once again, I, other than violating the contract and losing my {$20000.00} had no options. Interest rates were below the rate I paid over {$7000.00} to buy down at that point, almost .25 %!!! And that was PAR, buying nothing down. I would have canceled the whole thing and worked out a solution with a broker that was actually looking out for my best interest. Not only did  XXXX  charge me all kinds of fees I would n't have had to pay over {$7000.00} to buy a rate down that is going to cost me multiple thousands of dollars over the life of the loan and should have been locked in at the better rate after the expiration of my rate lock.
Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, XXXX and Transunion.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.
I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form. XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}
I 've applied a payday loan many years ago through the internet and paid off since. Then a call came in last year about this, at first the scare tactics worked, I 've paid over {$2000.00} before my bank called me about someone was trying to get money out of my account from overseas, this is when I knew it was a SCAM and changed my cell phone and bank account number. I 'd then consulted a lawyer who told me to stop paying and if it 's a legit debt collector, they would have something in writing of the debt and to check my credit report. I have not received anything in the mail from this company or was it on my credit report. 

Then 2 to 3 weeks ago I 've been receiving robotic calls again from XXXX at home and work stating that I need to call back XXXX with claim # XXXX. I 've called an attorney today and they told me the claim # provided from XXXX, there is no such claim or case number against me. I have been reading posts on this number and all the post states it 's a SCAM and suggests that I report this number to CFPB and the attorney suggest that I call the attorney general 's office and file a complaint, so this is what I am doing. I 've blocked the number from my home but they find other ways to call.
In XX/XX/XXXX, my bank account was placed on a hold and showed a XXXX balance. After contacting the bank and getting more info, a collection agency who I guess is a law firm stated I had to enter into a payment agreement in order for my bank account to be released. I entered into an agreement and have been paying ever since. I received a letter dated XX/XX/XXXX from the law firm stating I need to make a payment. I went online to make the payment and it failed. I called the lawfirm and they stated they are closing and sent the account back to the original collection agency. I called the collection agency, they then sold it to another agency. I have been paying since end of XX/XX/XXXX on this account and now the I have no paper work stating the changes that have taken place and I have no idea what happens with all the money I have already paid. I still have not received anything on paper showing any of these changes. What should I do now?
XXXX, Colorado On or XX/XX/XXXX-XX/XX/2018, I made a payment transaction using my ATM card to my XXXX XXXX XXXX XXXX credit card, Two payments were made of  {$4000.00} and {$4500.00}. The next day i look at my chase account i found out there's two large fees transaction chase had charge me, {$120.00} and {$130.00}, these transaction was considering a Cash advance transaction according to Chase bank even thou its not, i have not receive any money nor a check from this transaction and not aware about the fees involve. I've communicated with this matter on both parties chase and credit union, The chase bank refuse to cancel transaction and i ask to dispute the transaction for incorrect transaction but the dispute department would not do it. At first when i reach out with the chase bank support they told me its not a chase fees, the next day i called them again chase admit its a chase fees. The XXXX XXXX XXXX willing to work with me, i even spoken with XXXX XXXX XXXX XXXX branch manager he advice me, the only way you can get the fees granted back to your account if you can get chase cancel or dispute or work with them to refund those fees. Today XX/XX/18 i have called and escalated the issue with chase support but the same result, been point to a different person and made a series of explanation afterwards no result and promise to get a call back from chase manager, till now did not receive a call back
After checking my Sears Credit Card online statement in XXXX 2015, I noticed an unauthorized Balance Transfer Convenience Check transaction ( ck # XXXX ) that was posted to my account on XXXX/XXXX/2015 in the amount of {$400.00} and a {$16.00} balance transfer fee. I sent Sears Credit Card a letter stating that I never authorized the issuance of any type of balance transfer checks for my credit card account nor have I ever received any type of balance transfer checks in the mail. I requested that a dispute inquiry be opened since I was a victim of balance transfer check fraud. The bank sent me a copy of the balance transfer check image which was not made out in my handwriting or did it have my true signature, the signature on the check image was forged and completely different than my true signature. On XXXX XXXX, 2015, I sent Sears Credit Card a certified letter w/return receipt ( USPS Certified Label # XXXX XXXX XXXX XXXX XXXX XXXX ) stating that I was indeed a victim of balance transfer check fraud and requested that they open a formal dispute investigation. Since then I have not received any type of formal dispute investigation acknowledgement.
I sent Kross Lieberman & Stone on XXXX XXXX, 2016 to request validation under the Texas Financial Code. On XXXX XXXX, 2016 i received improper validation from the Kross Lieberman & Stone. On XXXX XXXX, 2016 I sent Kross Lieberman & Stone another letter informing them that they did not properly verify the debit under the Texas Financial Code and that they either need to verify or delete the debit. Kross Lieberman & Stone received that letter on XXXX XXXX, 2016 and i did n't get a response back from them. I sent them one final letter on XXXX XXXX, 2016 letting them that they never responded to my request and that since they are refusing to acknowledge the debit validation or send me what i am requesting under the Texas Financial Code and i ask that they delete the tradeline since they are properly giving me the validation i request in my first correspondence. Once they received that letter on XXXX XXXX, 2016 and I never recvied anything thing else from them and they are still showing on my credit report.
I submitted a complaint to SPS last month via CFPB. SPS did not respond to the specific questions contained in the Qualified Written Request, nor did they respond to my request to schedule an in-person meeting at SPS HQ in Utah to review their " original copies '' of documents they allege are valid and are associated with my property. SPS is trying to use these so-called documents to foreclose our home based on an assertion of a financial interest that does not exist.
THERE IS AN INCORRECT ADDRESS ON MY ACCOUNT THAT IS TIED TO A FRADULENT ACCOUNT AND I HAVE DISPUTED THIS INFORMATION AND I EXPERIAN STILL ALLOWS THIS INFORMATION TO BE REPORTED UNDER MY NAME.