WillisBack/dataset-financial-user-claim huggingface dataset:
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Took out loan through Rise XXXX was advertised as a loan to help boost credit and get back to responsible borrowing. Used as consolidation - took out XXXX XX/XX/2014, now it is showing as owing XXXX I contacted lender multiple times asking for reduced payments, and payment arrangments, with no response. It is now charged off and with a collection agency.
The Original loan amount was {$1000.00} which I have paid back. But the interest is several thousand dollars and there is no way I can pay that and every single day the interest charges go up by hundreds of dollars
When I signed up for my credit cards with capital one I opted Into the credit protection services plan. When I lost my job I tried to use it as AND the company told me that they had discontinued the service as of XXXX XXXX 2016. I did not receive any email or info in the mail about the discontinued protection services plan ...
Hi, do you know that XXXX has this practice? I overpaid my XXXX credit card, they gave me a check for the refund, XXXX out my credit card that I dont owe them anything anymore, I presented the check to the bank after a month and they said that the check is expired! Checks dont expire after a month, I havent use my XXXX credit card and worse part my bank charged me {$25.00} for presenting an expired check. You know what XXXX did? They requested for my bank statement! Wow!! For all the inconvenience I got, they question my {$25.00} and the {$34.00} that Im out. Its quite a sneaky practice! Please help us, thats sneaky! 

This happened to me today. They will be giving me back my {$34.00} but isnt that practice sneaky?!?! Who cancels a check after 1 month just because it was not presented?!?! 

Please help. Thank you.
XXXX the credit reporting companies. Calling them " bureaus '' only elevates their status to an institution, which they are not and should never be. 

I tried freezing my credit with XXXX  & Equifax, something I should n't have to worry about in the first place. Both online and automated phone systems are down, and XXXX  has begun obfuscating their freeze function in order to hock their XXXX security product, taking advantage of consumers. 

How the XXXX did this happen ... 

Step up you game, CFPB. I do n't seem many consumers being protected. Quite the opposite in fact. 

Please read the following to understand what hundreds of thousands of americans are currently experiencing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have applied for a hardship repayment plan numerous times. The first time information was sent to my home address. I signed the documents, provided the requested information, then mailed it back in. When I called the rep he/she stated, the department probably could n't read my documentation so my claim was denied. I requested the faxed number, and resubmitted the information, so that I was sure the information went through. I received the confirmation page, but never received any communication from Navient regarding the hardship repayment plan. My loan has been in forbearance while waiting for approval or denial. I will be calling again on XX/XX/2017 to ask more questions, because the forbearance has ended.
The XXXX XXXX XXXX XXXX sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call. 
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me. 
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information. 
The resolution I am seeking is for this scam to be shut down.
I received a mobile transfer from a XXXX XXXX account holder, on XXXX/XXXX/2016, for the amount of {$180.00}. I received a text from Bank of America with a confirmation number and a message saying it would be credited to my account. It has not been credited to my account as of XXXX/XXXX/2016. I have called Bank of America on XXXX/XXXX/2016 and XXXX/XXXX/2016, and visited in person on XXXX/XXXX/2016. I have spoken with a total of XXXX Bank of American representatives, going on a total of 5 hours talk time. Bank of America keeps telling me that only XXXX can resolve the issue by submitting a claim, while XXXX keeps telling me that only Bank of America can resolve this issue. I can not keep running back and forth between the XXXX banks as each tells me only the other can resolve my issue. Bank of America has consistently refused to accept accountability or responsibility for what definitively appears to be an internal error. If both banks refuse to resolve this issue, Bank of America has essentially stolen {$180.00} from me, and refuses to return it.
I called Navient in order to apply for a income based deferment on the loans that they are servicing. While on the phone I inquired about the Public Service Forgiveness programs offered by the government. The agent on the line started asking me a serious of verification questions and the next thing I know I am getting an email stating that my FSA ID password had been reset. As things continued she then informed that there is a {$690.00} fee to enter into the program. Which I know to not be true as the program is free to enter for those that qualify. The agent had told me she was checking in the Fed database to see what my loan amounts were and what my payments in that program would be, but she never told me that she was resetting my actual account password so that she could enter my account. Now she continues to call me at all hours of the day trying to get me to apply for he program through Navient.
Talked to XXXX today in regards to debt, refused payment affordable with my agi of XXXX yearly, said they do not set up payment plans that low and will still report debt on credit report with the payment I can afford.
During my divorce my ex-wife was award the house and was 100 % responsible for the mortgage payment and upkeep of the house. In XX/XX/2018 my ex-wife abandoned the property and moved to another state. Freedom Mortgage contacted me and held me responsible for the mortgage payment even though I furnished them the divorce degree indicating my ex-wife 's responsibility. They told me that they could repossess the house and ruin my VA eligibility to purchase another house. Prior to contacting me they started reporting negatively on my credit report. To prevent further damage to my credit report, VA eligibility and repossession, I filed a request for assistance with the loss mitigation department of Freedom Mortgage. At that point I could not afford the additional mortgage payment and my ex-wife refused to list the property with a realtor. I had to take my ex-wife to court to gain a Judgement enforcing the divorce degree and allow me to list and sale the house without her participation or authorization. I kept Freedom Mortgage informed of my actions. In XX/XX/2018 I got a buyer and closing date. The house was sold and paid off on XX/XX/2018. On XX/XX/2018 Freedom Mortgage reported XXXX passed due to the Credit reporting agencies even though they received the payment in full. I submitted request to dispute the 30, 60, and 90 day past due along with my divorce decree and judgement because I felt I should not be held responsible and punished on something that another parties fault and responsibility. After I submitted the dispute, I received an alert that Freedom Mortgage reported 120 days past due. This was after the house was sold and the mortgage paid off. When I contacted them to ask that report be removed they argued with me and told me that they acted in accordance with the law and that I was 120 past due when they made the report. They said their action was according to my contract, however would not furnish me the contract or indicate where in the contract. Additionally my original loan was made with another mortgage company which sold it to Freedom mortgage.
I called Annual Credit Report on XX/XX/2018 at XXXX to get my yearly credit report. when I received my report I looked at it then XXXX XXXX notified me that I had a Hard Inquiry on my report called 2nd factact IDid Not Request this!!!!!! I called Transunion they told me they would not remove the inquiry because it was considered a soft inquiry I said no it's not! So they will not remove the inquiry. When you XXXX  2nd factact and look at the phone number it Says TRANSUNION. I want TransUnion to REMOVE this inquiry from my credit.
I am very unsatisfied with the service that I am receiving from your company regarding my first home mortgage loan. I am in the process of relocating and purchasing a home in  GA. T his has been my dream for the pas t 10yrs. H owever, this has been a complete nightmare with your company that has caused me to lose monthly income and threaten my employment. This whole process begin  in   XXXX    2017. I understood that the home buying process was stressful but dealing with your company  's processing incompetency has magnified the taxation on my health and financial obligations. Everyday there is something new that needs to be verified that I have already provided. My income a nd DTI h as be recalculated numerous time by different people in your department and each person comes up with a different number which starts the request for documentation all over again fro m step 1. Clearly there is a failure of communication in your company. I have done my due dili gence and sent every document over that I was told was needed to close this loan but as of toda y   XXXX   XXXX   2017 I hav e received nothing but complete inconvenience. I 'm being lied to and given misinformation on a daily basis. Yesterday, I was told by  Branch Manager   XXXX   XXXX , that everything was set and I would be receiving documentation to finally close on the loan approval. Needless to say, I have not received anything since the phone call him and I had yesterday afternoon. I have been calling him consistently to find out what happen to the final documents I was supposed to sign and to no avail I have n't been able to get in contact with him. This has been a disaster for me in all areas of my life. I wish I would have went with another mortgage company who was more trustworthy and consistent with the loan process.       Update : I just got a call from a  XXXX   XXXX  who is supposed to be a branch manager in   SC  t hat called me to question me about even more letters. I am very frustrated to tears. He started yelling at me, cutting me off, being rude and hung up on me. I am being discriminated against. Is this a real company??!!!
Consumers should be able to freeze their credit for free on XXXX, XXXX  and TransUnion. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.
I never withdrew any cash from my card and reported it as lost or stolen. Instead of removing the disputed items Capital one bank keep charging me interest for cash advances. After closing my account nobody willing to speak to me or resolve any issues.
I switched cell phone service providers from XXXX to XXXX XXXX XXXX over a year ago. I asked to keep my XXXX number and XXXX XXXX XXXX processed that request. However, before they did that, they created a new phone number without my knowledge and put charges on it ( under my name ). I never knew those charges and phone number existed until I received a notice from a collection agency for non-payment of {$87.00}. In the meantime, I had been paying my bill as agreed and was not in arrears. I tried without success to speak with XXXX XXXX XXXX about this ; I 've been trying to resolve this for many months. At first I was told on the phone that the matter had been resolved, but apparently it was not, because I got another notice from AFNI, the credit collecting agency, a few months later. I now am having difficulty securing a good interest rate for a mortgage because of this derogatory report, which is NOT my fault but is adversely affecting me. I called AFNI who only told me that I could pay them or wait until the account went back to XXXX XXXX XXXX after they 'd had it a full six months. They said they 'd file a dispute but that it would n't 'stick. ' I have heard from the local XXXX XXXX XXXX store employees that this is not an uncommon issue - yet I am having to deal with this despite their knowledge that this is a problem for other people, too. Please help -
During refinance process, closing papers were signed on Saturday, XXXX XXXX, 2015. Papers were forwarded to finance company, funds were distributed XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. 
Payment was wired transferred to Caliber Home Loans - funds were denied and returned to lender. This process was done 4 times and rejected by Caliber Home Loans. I am a XXXX veteran and am seeking resolution to this issue.
On the day before we locked in a mortgage rate I was sent a list of rates and applicable charges/credits. On that day the rate that we preferred was 4.125 % with a 0.25 % XXXX {$530.00} XXXX credit back to us. This was also the one recommended by the mortgage company. Due to the closing date we had to wait an additional day to request the 30-day lock. The following morning I contacted the person at the mortgage company I had been working with and told him we would go with the 4.125 % rate. The paperwork I received the following day showed a {$530.00} CHARGE rather than a credit. When I challenged this I was told, " I thought you knew that interest rates went up and that 's why it 's now a charge. '' Even if I knew that interest rates had gone up, how could I be expected to know how it would affect the points on the loan? And it should have been explicitly disclosed to me rather than my having to notice that a credit had turned into a charge. I believe this was done intentionally with the hope that I would not notice.
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Equifax investigation of my dispute of the following accounts : XXXX XXXX Bank, XXXX XXXX XXXX, XXXX Bank and MN XXXX, took longer than 30 days to investigate.
On XX/XX/2016 my husband and I paid off our Mortgage Loan # XXXX at Fifth Third Bank on Butternut in XXXX MI. To date we have not received a discharge of Mortgage or release of lien on our home. I have spoken with a representative at their customer service department who told me I could go to the XXXX for that information ; we did not make our payments to XXXX. I have also spoken a number of times with XXXX, a manager at their XXXX Branch ( the Branch where we did business ). Each time I have spoken with XXXX, I was told to expect " something '' in the mail or that I would get a call to pick it up at the branch. After a month of repeated calls I have yet to receive anything!!! Is it not a normal course of business for a lender to provide evidence of a satisfied debt to their customer? In the past when paying off a mortgage/loan I have received the original note marked " discharged '' or " satisfied ''. Is this an unusual request?
My BOA debit card was lost/stolen. When I realized I called BOA who froze the card and issued a new XXXX. The thief was using it around town. I disputed the charges but today BOA said no fraud occurred and I am liable for the charges. I am upset that the card I had was able to be used with out a PIN and that they do not believe me that the card as stolen.
My personal information, per the Equifax website portal to check, was obtained without my consent by criminals who illegally breached that data in possession of Equifax. I have filed a credit fraud alert for 90 days.
XX/XX/XXXX  I c alled to place an order with   XXXX   clothing catalog. The sales rep kept insisting on signing me up for a credit card even though I told her no several times. I finally gave in and she charged the first order to the card. After I got the merchandise, I waited for the statement but never receive d one so I s  ent the {$25.00} payment. I placed several more orders via mail and paid with a check. From  XX/XX/XXXX  t  o  XX/XX/XXXX  I ne ver received any type of statement from  XXXX  about my credit account. I received a statement i n  XX/XX/XXXX  showi ng I owed {$180.00}. It was a past due statement and no information was on statement showing what was charged. I called  XXXX  and was told they would look into it. I did not hear from them and then I got a letter from  Portfolio Assoc. Portfolio is  a collection agency and I explained to them that I did not owe the money and explained to them that  XXXX  was taking care of the issue. I called  XXXX  again and the customer rep did not know anything about the account and showed I owed the money. I called my daughter,  XXXX   XXXX , to help me and she called the corporate office for  XXXX  and explained the situation. They looked into the account and told her that I was being charged for a {$14.00}   "     VIP '' service w ith the credit card. I never authorized the   VIP service.   XXXX  researched the phone call and called my daughter back and told her they would credit all the charges since they were not authorized and they would contact  XXXX   XXXX    XXXX   on my behalf to get the account cleared. My daughter contacted the bank and everything was cleared on their end and my account showed a  XXXX  balance. I kept getting letters and calls from Portfolio and each call they were very rude and refused to work with me. I told them each time what happened and they continued to call. My daughter called  XXXX   XXXX  again to see if they could send something to the collection agency to to me showing everything is resolved. They did send me a letter explaining that I am not responsible for the disputed account and the we sent it to Portfolio and it was received on  XX/XX/XXXX . I thought the issue was resolved until I received anther letter on  XX/XX/XXXX  saying I stilled owed the money.
Santander Bank failed to settle Federal Complaint under The Consumer Credit Protection Act in connection with vi0latioin of The Fair Credit Report Act by Santander Bank. Santander Bank wrongful course of action Is as stated be unfair billing, not providing license to collect a debt, and not providing a validate OMB control number under the Paper reduction Act of 1995. Escrow account is increasing at the same time the payments for the mortgage are increasing.
I received a loan from Care Credit ( Synchrony Bank ) to pay for dental work. I was told there was 12 months interest free. I was provided a " minimum payment amount ''. I believed the minimum payment amount would satisfy the loan during the interest free period. Turns out that was not the case and at the end of 12 months, there was a small balance remaining however interest was applied to the original balance, compounded over the full year and added to the account in a lump sum which almost doubled the amount that was due. This practice is misleading, deceptive and abusive to say the least. Had I been told what the minimum payment amount was to avoid the interest, I would have been satisfied. The purposefully provide a minimum amount which will leave a balance so they can tag you with extra interest charges. If interest was applied to the remaining principle amount after the 12 months and going forward, I would understand but their business practice is designed to gouge people for extra costs and fees. I tried to resolve and was told there was nothing they could or would do for me.
Back in  XXXX    XXXX   while accessing my account information I discovered a check for {$800.00} was cashed by an unknown person. I contacte d Citibank rig ht away and advised them of the issue. From what I learned, an unknown person altered and was allow ed by Citibank to   cashed a check from my checking account without my authorization. Based on information given they informed me that an investigation had to be open and at which time they requested information as well as signed documents. I requested a copy of the check which they sent and at which I informed them I had no knowledge of the person who cashed the check and I also signed an affidavit stating the same. However, over the last  two mo nths, I have been in contact with Citbank on the progress of the investigation and spoke with over  XXXX  representatives ...  XXXX  #  XXXX  ... .  XXXX   XXXX   XXXX   XXXX  .... who kept telling me that it would take 90 days for them to resolve the issue and they kept asking that I sent in documents already submitted. On  XXXX / XXXX /  XXXX   I finally got frustrated and asked to speak with a supervisor, they transferred me to a person by the name of  XXXX ID #  XXXX  but again she informed me that they had no information and that they were waiting for information from the branch and that a letter will be sent at the end of 90 days. Based on my conversation with  XXXX , it appears that they were only now contacting the branch based on my call to them today. However, in the mean time I am out of {$800.00}. Based on my man y calls to Citibank I as ked that they refund my money and the many times I asked the many time they declined stating that they ca n't due to the ongoing investigation.