WillisBack/dataset-financial-user-claim huggingface dataset:
The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
I have a vehicle loan from Capital One Auto Finance that has fallen behind because I have not had a job since XX/XX/XXXX. I tried to get an extension earlier during the summer but they denied it and has since put the vehicle out for repossession with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I received a text message from my ex girlfriend, mind you we have been split up for almost a year, that an agent from XXXX XXXX XXXX came by her house and disclosed that my vehicle is out for repo. Now it is my understanding that a repo agent or debt collector is not allowed to disclose that there is a debt owed to a third party unless they are authorized by the debtor. I then received a call on XX/XX/XXXX at XXXX XXXX from an agent for the same company saying that " This is XXXX and that I am a civil process server in XXXX County and that I have some papers I need to deliver to you. '' This is also a direct violation of FDCPA rules because a debt collector or anyone that is employed to represent the debt collector is not allowed to deceitfully identify himself as someone representing any type of court , county, state, or federal employee in order to scare information out of the debtor. I have the voicemail as well as the text messages from my ex girlfriend verifying this information. I have no called the finance company or the repossession company back because I do not want to be verbally assaulted. If the repo company is willing to disclose debts with third parties and to pre text to deceitfully get information then I do n't know what else they are willing to do.
I got a new job in a town that is XXXX hours from where I currently live and work. I wanted to buy a house in the new town and move into it prior to my start date at my new job. I contacted Quicken Loans, and I was told by their agent that buying a house prior to the start date of my new job would not be a problem. I was pre-approved for a loan through Quicken, and I put an offer in on a house in the new town. My offer was accepted by the seller. When I told the agent at Quicken this, I was told everything was fine/there would be no problems. Then several days later, I was told that they would be unable to start the underwriting process until I had received my first paycheck from my new job. I have extremely good credit ; I have been employed in the same line of work steadily for 8 years ; I am currently employed and will be between jobs for less than one week ; I have a low debt-to-income ratio ; and I have an offer letter from my new employer which gives my starting date, the amount I will be earning, and that I will be guaranteed 40 hours per week. When I started the loan process with Quicken, they told me this was sufficient. Then, several days after the process was going, and after I had put down {$5000.00} EMD on the new home, they tell me that I will not qualify for a loan from them until I can produce a paycheck from the job in the new town that I will be moving to. They claimed this was because XXXX desktop underwriting program " requires at least XXXX pay stub [ Sic ] so we would n't be able to close until we have a new pay stub. '' I feel that Quicken loans purposely mislead me and was dishonest to me when they told me that I had everything necessary to get a loan and to close on a home prior to my start date at my new job. Furthermore, I do not believe that they are being completely truthful about the XXXX pay stub requirement, as I have multiple factors that point to my being an extremely safe borrower who has a guaranteed future income.
Bankruptcy was discharged XX/XX/XXXX, and this mortgage ( primary residence ) which was including in the bankruptcy. Upon being dishcarged ( after 5 yr./60 months ) NationStar demanded {$17000.00} in payment ( see attached ). This was because the loan was an interest only loan & because of the bankruptcy they were not able to adjust or increase our payments. NationStar granted us a loan modification which included the outstanding payments they were unable to charge us during the bankruptcy. I have included a recent mortgage statement which does not show any payment past due. I have also included dates & payments made doing the bankruptcy. I am asking for the negative comment on XXXX under payment status, which reads " At least 120 days or more than 4 payments pas due '' to be removed ( see attached ). I would also like the removal of the past due amount of {$16000.00} from the report because that was satisfied in the loan modification. In addition to this, the mortgage payments are {$1300.00} but the credit report is showing {$1400.00} ( see attached ). Monthly payment will change to {$1300.00} starting XX/XX/XXXX.
I had several charges that I disputed on my debit card. Some were not me and some were double charges and one was service that I did n't agree to and was suppose to be an estimate to have my car fixed. After I did n't agree to the price I was charged {$150.00} diagnostic charge and I found out that the diagnostic was wrong after taking it to another shop. 
So I called Chase customer service Dept. and I was transfered to claims Dept. I told them about the charges and was told to file a complaint. 
So that 's what I did. I was told to cancel my Debit card and they would send another one. I said I would rather go into a bank and get one in person since it was a few days before XXXX. I went into a branch in XXXX CA. and was issued a new card and I also got 3 months of bank statements. The card worked that day but on XXXX XXXX I was getting denied after purchasing a XXXX on XXXX. The next day XXXX eve my card was still being denied. I called customer service again and I was on the line for hours and transferred to different departments to find out my account may be closed. I was told to call the next day and speak to the claims dept. and I spoke to a manager that told me my account was closed for having to many claims! She was very mean and could care less that I had no money on the holiday. 
I was told it would take 10 days before account would close. That would have been on XXXX/XXXX/16. 

My XXXX direct deposit check was returned because of the closing of my account and I did n't have enough notice to change it nor open another account at another bank. 
I still have n't gotten my check because it has n't returned to XXXX yet. 

I had over {$1300.00} in my Checking account at that time. I was told I could n't use a debit card but could write checks and withdraw funds at any time. So I wrote one check that did go thru but when I went in to make a withdrawal there was a freeze on all my funds and was told I now needed to call the fraud dept. I was now told it 's gon na be an additional 10 days before I can get funds out. I was also told that I was a victim of Identity Theft from a use to be friend. They knew about this 4 months ago when there was a charge from XXXX. I 've spent almost 5 hours on the phone left on hold for very long periods with many of the customer Reps being incompetent and/or poorly trained and giving wrong information. I have been a customer with Chase Bank for over 5 years and was treated like a criminal during the holidays. I have been traumatized by the treatment and even 2 managers agreed. One said that my account should n't been closed!
Took out pay day loan from Cash Central .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from XXXX XXXX XXXX XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and first thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!!
THIS MEDICAL DEBT FOR XXXX XXXX XXXX WAS JUST RECENTLY PUT ON MY CREDIT REPORT, I CHECK MY CREDIT REPORT OFTEN I AM WITH XXXX XXXX AND THIS WAS NEVER ON MY CREDIT REPORT. I SPOKE WITH A FEMALE NAMED XXXX, SHE ADVISED ME THIS PAID {$11000.00} AND THIS WAS PAID OUT OF NETWORK, SHE SAID FOR ME TO APPEAL THIS AND MAKE IT KNOWN THAT THIS WAS ALL UNDER PAID SHE GAVE ME MORE INFO IN REGARDS TO THE PAYMENT BEING REVERSED OUT ON XX/XX/XXXX, AND THEN PAYMENT WAS PAID {$4400.00} & {$4100.00} PAID ON XX/XX/XXXX ... ..TOTAL THAT WAS ONLY PAID WAS A LITTLE OVER {$8000.00}. SHE ADVISED ME TO APPEAL FOR XXXX XXXX XXXX. SHE STATED FOR ME TO ADVISE THE INSURANCE THIS WAS BEYOND HIS CONTROL FOR MEDICAL EMERGENCY. SHE STATED THAT THE XXXX XXXX XXXXXXXX WILL TAKE A PATIENT IF DEEMED NECESSARY AND OUT OF ONE 'S CONTROL. XXXX XXXX HAD A 2 XXXX AND HAS NOTHING, NO ASSETS BUT HIS CHILDREN .THE REASON FOR MY COMPLAINT IS THAT THIS WAS NEVER, I REPEAT NEVER ON MY CREDIT UNTIL I MADE THIS CALL TO FIND OUT WHAT WAS PAID FROM HIS INSURANCE. IF IN FACT THIS IS HIS DEBT AND NOW MY DEBT THEN WE SHOULD HAVE AN OPPORTUNITY TO HAVE BEEN NOTIFIED FROM THE ORIGINAL CLIENT TO GIVE SOMEONE AN OPPORTUNITY TO MAKE SOME TYPE OF ARRANGEMENT TO PAY {$10.00} A MONTH OR BE ABLE TO DISPUTE THIS FROM THE BEGINNING. THERE WAS NEVER ANY NOTIFICATION GIVEN ITS JUST ON THE CREDIT REPORT. MY COMPLAINT AGAIN, IS THAT THIS WAS NEVER ON MY CREDIT REPORT UNTIL JUST ABOUT 2 OR 3 WEEKS AGO AND IT'S BEEN IN COLLECTIONS FOR ALMOST 2 YEARS PER XXXX AT UNITED RESOURCE SYSTEMS. THANK YOU XXXX XXXX
Items attached : Equifax sent a response, but it was ignorant, to the situation, because I already knew it was paid off. I wrote th check. My complaint is that the bank charged off an account that they kept receiving money on through the whole process. That That is against South Carolina state law, because that is considered a willingness to negotiate contract.
On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed XXXX XXXX checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from XXXX XXXX concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.
My loan is XXXX XXXX XXXX with a beginning balance of {$8100.00}. I have been trying to get some resolution since XXXX when I called Navient to setup automatically payments with my new checking account information.I then discover that my co-signer filed bankruptcy. The representative told me that I can not make any payments until his bankruptcy was finished nearly a year went bye. Then I begin receiving collections calls around XXXX of XXXX. I spoke to someone in collections stating that the bankruptcy was complete in I was past due in payments. Which I was unaware and explained to the rep, I was tried to make payments the prior year and was told I couldnt make no payments.At that point I made my first complaint With CFPB. My compliant was closed with no resolution. A payment was made in XXXX XXXX.i have tried on serversl occasions to get a copy of my life span payments that was applied towards interest and principle. Still no response I begin to file my second complaint to CFPB. I made a call to Navient around the end of XXXX. I finally received a itemized copy of what was supposed be a break down of the life of my loan Dated XXXX.which is not reflecting to what my online account information has. I made a call Beginning of XXXX XXXX explained that the itemized bill still doesnt seem to be correct because the format of the bill has doesnt refelect with what I thought was paid throughout the span of the loan. I informed her that I had got reported with the credit bureaus for 69 days late in XXXX that has effected my credit score.I begin to ask the rep about a settlement for the loan she informed that she would have to present an counter offer to the CEO of the company and also that I would have to make at least {$1900.00} dollars and payments a month if was to get an settlement offer. She gave me a breakdown of how many months of payments that was made around 124 and 26 months of forbearance. Then she begins to say the only other option was for me to pay interest at XXXX dollars a month for a couple of months because accord XXXX dollars of interest leaving my loan amount at {$7500.00} I didnt get anywhere with what I wanted to accomplish during this phone call. On XXXX/XXXX/XXXX I called customer advocate department on the Navient website.I spoke to someone who perceived that she was going to assist me. As I begin to explain my issues. She put me on hold then transferred me to 90 day collection. 
I ask the rep why was I transferred he stated that he didnt know. I began to explain to him what my issue was and the only thing stated he was going to put my request. I then ended my conversation.
I have been with Navy Federal credit union for five years and paying my bills through bill pay and now they are taking a {$1.00} without even letting me no they where charging a fee
I made a {$1200.00} payment to my  Barclaycard Reward s mastercard. They held the payment ( i.e. not making the credit available ) for a couple days, which prompted me to call them to get it released. They approved of the release and said that the credit would be available the following day. Well ... it was n't. And when i called to ask why they had n't release it, they told me they closed the account. So they basically  XXXX  me .... they got a {$1200.00} payment out of me and then closed it. This is the card I use to travel with and I was planning to travel TOMORROW! They have totally  XXXX  me up as I would not have made that big of a payment on the card if I knew they were going to close it right after. This is horrible customer service as  one of their  managers told they would be making the credit available the following day. I even told them that I was travelling and they put a travel notice on my card! I am NOT recommending this card to anyone anymore. I used to love this card because they had great rewards but after pulling this stunt I have no more love for them whatsoever.
Loancare LLC became my new mortgage servicer on XX/XX/2016. XXXX was my old servicer. XXXX said my new mortgage payment would be {$400.00} beginning XX/XX/2016. Loancare billed me for {$480.00} for XX/XX/XXXX and continues to do so. 

I submitted documentation from XXXX and asked XXXX to do so as well. Loancare says they never got the documents, says I am behind, and at risk of foreclosure.
I applied over the phone for a credit card that was advertised on USAA website as a 1.5 % cash rewards credit card. I think it was a new product at that time, so when I called to apply the lady had trouble finding the specific XXXX I wanted, but after a few minutes on hold she came back and said that she had found the 1.5 % cash back World MasterCard that I wanted to apply for. We went through the application process over the phone and at XXXX other times throughout the conversation I verified that this was the 1.5 % cash rewards card. I was put on hold again XXXX of these times and the worker came back to the phone and said yes, this is the 1.5 % cash rewards program card. After a few days I got the card in the mail and it was just the plain USAA World MasterCard, not the 1.5 % cash rewards card. I already had a 1 % rewards card from them. So after several unsuccessful phone calls to their executive resolution people, I sent a consumer dispute form to them detailing that I wanted the card removed from my credit history and deleted, not cancelled. ( I was told over the phone multiple times that the only thing I could do was cancel the card, but I will not do this because it lowers your credit score from my understanding to have an account opened then closed within a month period. ) They contacted me and said they could not do what I wanted by removing the inquiry from my credit history because I did authorize application and that I would have to cancel the card and re-apply. I authorized application to the 1.5 % and not the card they gave me, so I believe it is their responsibility to remove the application from my credit history.
I read news reports that Equifax allowed hackers to access my personal information. 

Equifax has not clearly identified if I was a victim of this, but its website has given me a future date where I may return and use their for-profit service to " monitor '' my credit as it is destroyed by criminals. They will not take any responsibility for maintaining my good credit data. 

Do security firms stand by and watch as criminals break into my house, and then suggest I file a police report? Is n't the point to STOP a crime from being committed and to restrict access to my data? 

Further, Equifax officials have personally financially benefited from selling stock before this was made public.
XXXX/XXXX/XXXX Portfolio Recovery Associates received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX Received Portfolio Recovery Associates first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.
I have an account with Contract Callers, Inc ( CCI ). I have sent both verification and validation letters with no response. I am asking to see my original contract and how this collector came to own my debt. Because they can not validate the debt and I have not seen any proof that they own it, I believe that the debt should be removed from my credit report.
Account Resolution Services, which I hold no contract nor have I recievedservices reported a collection account against my social security number XXXX XXXX XXXX in the amount of {$690.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failedt to provide adequate proof. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I called early XX/XX/2017 to Chase Mortgage. Approximately around the eighth of the month. I had some concerns about the balance of my escrow. I was told that escrow was being reran and I would have it in 7-10 days. I did not receive it so, I contacted Chase. I spoke to XXXX the supervisor of the department, due to the rudeness of the original representative. XXXX told me '' I was not entitled to escrow only in XX/XX/2017 '', despite my concerns with my shortage. She refused to allow me to speak to her supervisor prompting this complaint!
On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response.
I have so many information in my credit report such as names and employment and I have contacted and requested dispute to XXXX  but they never helped! please help
This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her jollies off at upsetting peoples day. I was at work and have a family to provide for. This is complete bs, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.
They are foreclosing on my home when I have completed the Modification papers faxed them mailed them they claim to never have received them on 4 different occasions. They deliberately stalled with excuses until they could claim it was to close to foreclosure sale date to stop the Sale. I have repeatedly asked for verification because all the statements I have received from the 4 different servicers are different they just ignore my requests. They have called my former employer trying to collect the debt.
On XXXX XXXX, XXXX I submitted correspondence to Barclays Bank Delaware because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Barclays Bank Delaware on XXXX XXXX, XXXX.
I had a loan through a bank that was discharged and cancelled and I paid taxes on the amount as income. However they are still reporting the charged off amount on my credit report as a XXXX dollar balance on my charge off when the debt was cancelled and not owed anymore.
I have been trying to contact navient to explain my loan and interest and cant get through. In the event I am able to speak with them they tell me there is nothing that can been when it clearly states on the website that I do have options as far as income driven repayments.