WillisBack/dataset-financial-user-claim huggingface dataset:
I was looking over my Experian credit report to make sure the information was accurate and noticed a ton of inquiries that I did not make. Experian makes it fairly easy to dispute information through its online services which I have used before to dispute inaccurate information and was successful, however the website did not allow me to dispute the hard inquiries online, but instead prompted me to call. I called and spoke with a representative. I told her that I wanted to dispute the inquiries on my credit report. I had already been in touch with some of the companies that made the initial inquiry and was unsuccessful. I relayed this information back to experian to see if i could go ahead and dispute through them and the answer was no. The representative told me that they do not dispute inquiries unless I had a deletion letter from the company that made them. I received absolutely no help from them whatsoever and do not know what to do ... 

The inquires that are in question is XXXX XXXX XXXX XXXX auto ( several inquiries ) XXXX XXXX XXXX XXXX XXXX credit XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
Here 's the case : I called XXXX XXXX to settle the debt. XXXX XXXX was the person whom I spoke to. I stated I am calling to pay the debt only if it will be removed from my XXXX and XXXX credit report. XXXX XXXX said that once the payment was made Diversified Consultants will be removed from my XXXX and XXXX credit reports in 30-35 days. I made payment of account in full with this good faith verbal agreement. 30 days came and went. I checked my credit report and Diversified Consultants still remained on XXXX and XXXX credit reports. I called XXXX XXXX back and he transferred me to XXXX XXXX who sent the attached letter. 

I called Diversified Consultants again and spoke to XXXX XXXX and he told me in a rude, disrespectful and harsh tone of voice that Diversified Consultants will not be removed from my XXXX and XXXX credit reports. Needless to say, I was and still am LIVID!!!! 

I called XXXX back in 40 days and again 45 days and Diversified Consultants and was told by a XXXX rep in the complaints that XXXX would be remove Diversified Consultants from XXXX and XXXX Credit Reports. I check credit report again XXXX XXXX, 2015 which is precisely 45 days after payment was made and Diversified Consultants still remains on the reports. 

I spoke to XXXX XXXX ( XXXX ) - again on XXXX XXXX, 2015 and he told me that Diversified Consultants will not submit a letter of removal for this account from my XXXX and XXXX credit report and this account will not be removed. 

The tactic XXXX XXXX used to STEAL my money is FRAUD. This is bad for XXXX business and I will never, ever, ever return to XXXX for any service of any kind and I would NOT RECOMMEND XXXX to anyone because of the FRUSTRATION and LIES I received about this PAID account. 

Attached is the letter I received with no mention that account will be removed from credit reports.
I did refinance my mortgage with Ditech company. My first payment had to start on XXXX/XXXX/16. 
Company had offered free electronic payment on their site. It was very convenient and I did scheduled payment of {$760.00}. XXXX on line by connecting with my XXXX checking account. 
It pass 2 days after my payment scheduling, and I received confirmation from Ditech that my payment went through. When I did check my banking statement I did not see any money were taken from my account. I did make a call to Ditech customer service and addressed the issue. 
Answer was that everything is OK and they have my money. My question was how they do have my money if it is not taken from my account? after time I did another calls, trying to get strait this issue, but it was not successful. ( after 2 months they put that they do reverse my payment of {$770.00} ). I do not understand how they did reverse something, that they never took. 
Still, I knew that have to make a payment for XXXX, and I did it {$800.00} by check, which was paid by XXXX from my checking account. For month XXXX I did the same way another {$800.00}. Money were taken from my account and I have confirmation that checks were deposed by Ditech. 
After that I did XXXX payments directly by my personal checks the same amount for XXXX, and XXXX. ( From Ditech respond was that they have my personal check ). 
One month ago it was on XXXX XXXX, I received a call, and letter from collector that I am late with my payment. My respond was that I am on time with payment. Customer service representative tried to explain me that 2 payment one for XXXX and second for XXXX were returned to my account. I told that it is not true, I do not see any money to be deposed to my account. They ask me to sent all my information from my bank statement which I did. 
I continue to pay my mortgage on time. 2 days before I dd received another letter that I am behind the payment. I do repeat all information, trying to explain what happen, I am tired. 
Look like nobody takes any action to get straight my account, and my payments. 
I am sorry about refinancing with them, I had to go on internet and to read consumers review about the company, ( there are many complaints more than XXXX about the company ) but now is too late. 
I had with them mortgage before refinance, and I did not have any problems. I did refinancing for fixed inters rate.
I received a student loan from Discover. I was notified that my bill was due in mid-XXXX and I told them I would be unable to pay until the end of XXXX, at which time I would also cover XXXX 's bill. They seemed understanding until I started receiving multiple daily calls from them. I called back, reiterating my previous statement of being unable to pay for a month. The calls are relentless and at this point I have received over 100 phone calls in less than 30 days.
One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!
I had a reduction in income I had to file bankruptcy to maintain ownership of my home.   I dismissed my bankruptcy and I 've submitted several request for modifications and  Carrington mortga ge has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.    Carrington m ortgage has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX .   Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to b e given a 30 n otice prior to the property foreclosure sale.    XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me
Issue : Breach of Written Settlement Agreement1st Investors Servicing Corp is not reporting my credit line correctly with XXXX. They corrected my credit line with XXXX and XXXX and both now show positive. However, XXXX is showing 1st Investors loan as a negative mark and the mobile app shows it was charge off. Please correct my credit line with XXXX per our written agreement from 2012.
My credit report has a collection account showing a {$5.00} balance from a water company. The water company says nothing is owed and it was paid a year ago. 

The collection company says the debt is owed and wo n't remove it from my report with the bureaus until an investigation can be completed. 

I 'm trying to purchase a home currently and this issue could cost me thousands of dollars in fees and a higher interest rate on the mortgage.
In 2014 while in college, my bank account was compromised and an unauthorized check was deposited to my account as well as my debt card stolen. When it was brought to my attention, I immediately went to the bank location for assistance. I was told there was nothing they could do for me. When I returned home to Texas, I again went to the bank for assistance to no avail. My signature does not match this fraudulent deposit. I did not receive any monies from this deposit nor was my account ever overdrawn due to this unauthorized deposit. I have spoken with over XXXX people in several departments and no one can figure how to resolve. Only after attempting to open an account at another institution was it revealed to me that Bank of America reported the account to XXXX. I am accused of " suspected fraud ''. Again, I did not defraud Bank of America nor do I owe or have owed Bank of America for insufficient funds. I do pray that this complaint filed herewith will provide me relief and resolution of the matter by removing this negative information from XXXX.
On  XXXX   XXXX ,  XXXX  I sent a certified letter to  M & T bank loan modification dept  ( CERT MAIL #  XXXX  ) That letter was in response t o a trail m ortgage period in which the loan was NOT modified from its current status. Namely, the bank wanted {$1200.00} per month and the original loan was about the same payment.     I received NO consideration for my changed employment status. Specifically, the bank did not change in the interest rate, change in the principal amount of the loan, change the length of the loan nor the total amount of the payment each month.     The banks letter specifically stated that if I was unable to ma ke the trail payments  that I should contact the bank for additional options. I never heard back from them.     My attorney filed an appeal to the NYS appellate court to challenge mistakes in  the county  court and in response to this appeal which was to be heard on  XXXX   XXXX ,  XXXX  the bank forced a foreclosure sale on  XXXX   XXXX ,  XXXX  in attempt to obtain the property before the legal questions were answered.     These questions included : 1. Did the plaintiff comply with the strict requirements of   XXXX     XXXX  and  XXXX ?     2. Has the plaintiff proven standing to commence a foreclosure action?
3.   Was it error to grant summary judgment when the defendant had served discovery demands and the plaintiff never responded?
There is a paid judgment of my credit report in the amount of {$1200.00} date d  X/14 . I  have mailed copies to all  XXXX  credit bureaus (  XXXX ,  XXXX  and Transunion  ) sh owing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement "  Counter Claim Offset '' so Im n ot sure why this is listed on my credit report and I would like this information to be removed because it is affecting  my credit score altho ugh is paid.
last year chase bank was informed that i never received the new debit card they indicated had been issued to me/ at that point in time, the bank was contacted because someone had ordered aand services using my bank card. 
the issue was never solved, the debit card never received, at said point in time, the bank was informed to close the acct and return the remaining funds and disputed funds. debit me for disputed funds paying same after being informed of the id theft. consequently, they additionally continued debiting the acct for monthly fees until all funds were disappaited r.after which, the bank continued to charge me for these items placing me in jeporday for same. 
in addition, they fefused to pay two cashiers checks in the amounts of XXXX and XXXX dollars. they have refused to reissue said checks in addition to the items listed above. the checks were issued by wasington mutual bank of wich they were hereditors, assignees, and or heirs to after havingabsorbed washington mutuaXXXX, XXXX XXXX and XXXX XXXX. in addition i have 8 certificates of deposit with the oroginal banks which now exceed 7 figures, again refusing to cure this situation on the part of the bank all attempts to resolve these issues were pursued with due diligence on my part and refusal to correct these errors on their part im a XXXX of a XXXX XXXX
On  XXXX / XXXX / 2017  I was put in contact with  XXXX   XXXX  of  Quicken Loans DBA Rocket Mo rtgage after filling out an online application. He asked me several questions. During the course of the call I got an alert from my credit reporting service about an inquiry. I asked  XXXX  if he had done a hard pull on my credit and he confirmed that he had. I did not consent to this.  XXXX  did not ask for permission and did not inform me that he would be doing a hard pull.  XXXX  transferred me to client relations after I requested to speak with his supervisor about this matter. The rep informed me that this was a " permissible purpose '' even though I had not consented. This is completely unfair and has a negative impact on my credit.
I paid off my mortgage onXX/XX/XXXX by wire transfer- - today isXX/XX/XXXX - - 76 days later they still have not sent the escrow refund for over {$2100.00}. I have called every few weeks to no avail. They have not given me a reason. Just keep telling me they will send an email to their manager. Please assist getting my the refund due to me. I paid them on time for years, send them roughly {$200000.00} in payments and I can't even get a timeline from them on my refund for the amount that was over collected by them.
I will start with my medical situation as a base for what has transpired but not as an excuse only to illustrate timelines. I had some medical issues revolving around my XXXX which led me to originally fall behind on my loan and I eventually paid everything I was behind and continued on paying my mortgage. My health further declined recently after a XXXX XXXX. I chose to sell my home and move to a place that would allow me to be independent longer. After listing the property and realizing this diagnosis isn't the end and that I have many years left in me I approached Ocwen with the idea of getting a modification to help ease with my treatment costs etc. I will attache all of the documents I received from Ocwen and I was ecstatic and thankful when they gave me a loan modification. In XX/XX/2018 I was given a trial modification which had me making three payments 1st in XXXX, 2nd in XXXX, and 3rd in XXXX. I made all of these payments and continued  making that payment amount. When Ocwen sent me a final modification I signed it and returned it asap. Ocwen eventually stopped taking my payments and told me it was because I didn't return the final modification!!!! What!!!! I was defeated I did literally everything asked and my prayers that were answered were now shattered. I am attaching the trial modification, the signed final modification, and the three statements I received from OCWEN when I was in my trial. The one to focus on is XXXX 's statement. Per my agreement it was to be {$5900.00} and they sent me one for {$38000.00}. After reviewing it and speaking to some friends that have experience it is my believe that Ocwen accidentally had me in a forbearance and not a trial modification, when the forbearance in their system was up I needed to pay $ XXXX and then subsequently I lost my modification and no one has been able to answer why other than it was not returned, which it was! Please help me square this away and let me get back on track, I can make the payment I just need help getting everything back in order as it was in XXXX.
I have hired lexington law to dispute inaccurate information, however Transunion, XXXX and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.
My wife received a call a couple of months ago from Complete Credit Solutions regarding a supposed online payday debt from 2016 in my Name. We had NOT received any correspondence in the mail from this company. They claim they have sent multiple letters which have not been received. The original creditor is XXXX which from our research is a tribal online payday lender with multiple complaints and lawsuits. We asked for validation which to date nothing has been received. 

Last week, she received the attached email from another " attorney/collector '' stating they were collecting on the same debt that CCS had transferred to them. They then called my XXXX year old daughters cell phone and left a recording to which my wife called them back and told them to stop calling and send something in writing for us to respond to. They refused saying letters have already been sent. Again we have received no letters. Today CCS has now reported this unvalidated debt on my credit reports.
Navient became the servicer of my student loans ( originally taken out through the Federal Direct Loans program and then later serviced for a while by XXXX XXXX ), and since that time I have had several problems with them that required me to call as a result of unclear or misleading communications. In this case, their website has shown for the past two months that I owe {$0.00}, and when I click " Make a payment '' the amount to pay auto-fills at 0 and just resets itself to 0. However, both my father and I have been receiving calls for the past week with vague messages asking me to confirm my identity ( I did once, by pressing 1, but then the line went dead ) or to log into Navient.com ( which, as described, I 've been doing this whole time ). Today I finally got a call from a live representative, and when we could finally hear each other ( the beginning of the call seemed like the audio was cutting in and out ) I was asked to confirm my last name. I never did that, asking instead why I was getting these calls and how I could be sure I was even talking to a real Navient representative. The representative said she had my account up, and I countered that I was looking at my account and could see no amount due. She then proceeded to tell me that my account was 24 days delinquent, and reiterated this several times after I explained that the website shows no amount due. I refused to confirm my last name when she finally prompted me again, and instead requested that she not call again. I have since emailed Navient about the issue hoping for some clarification but am still waiting for anything beyond an automated feedback message. If I have time at work tomorrow I will try to call their toll free number to see if anyone there knows what is happening.
I requested my TransUnion credit report online in XXXX through XXXX. I was advised to request the report by mail. I requested the report by mail on or around XX/XX/2018. TransUnion did not respond to my written request. I tried to create an online account with TransUnion to request my report on XX/XX/2018, and that account will not give me access to my credit report, either.
I have reached out to Portfolio Recovery Associates, XXXX three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Portfolio Recovery Associates, XXXX to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.
In XXXX/XXXX/XXXX, I have open a new checking account and deposit {$15000.00} with city bank. I can get {$400.00} Cash bonus if I keep the minimum balance of {$15000.00} for the next 30 days that city bank said. But after 30 days they have't gave me the bonus. I went to city bank 3 times to ask my bonus back but they said that I have to wait the city bank main office send the bonus to my account. Today is XXXX/XXXX/XXXX, I am still waiting ...