WillisBack/dataset-financial-user-claim huggingface dataset:
I do n't know if I XXXX off Experian or what but they are taking out revenge on me by altering my credit report. ( 1 ) Experian credit report shows XXXX XX/XX/XXXX in good standing, last date use XX/XX/XXXX paid and closed/never late. The XXXX account has been in good standing for over 8 years ( 2 ) Experian credit report shows XXXX XX/XX/XXXX is now a negative remark. The only different between the two reports are first report date and date of credit report and one report says never late. Experian is re-aged and making up XXXX causing this negative account I do n't if Experian is doing out of meanness to hurt my credit score by changing crown diamonds original date making from a good standing account to a negative account, I bought a ring set for my wife never missed a payment and paid it off and never used the account again I am at lost of words of how this gross error could happen in the first place. Re-aged, inaccurate and making changes on my credit report out of thin air are all illegal and serious violation of FCRA laws.
Submitted application for income-based repayment and was approved in XX/XX/XXXX. Payments were listed at {$61.00} per month. When I re-applied for XX/XX/XXXX, Navient miraculously discovered an error in their prior agreement and now claims my payment should 've been more expensive and is now charging me {$100.00} for the final 2 months of my XX/XX/XXXX agreement instead of payment amount I 'd been paying for the past 9 months. This leaves me with a few questions : 1 ) was there really an error? 2 ) why was this error not caught? 3 ) why am i being penalized for an error that was not my fault? I put my trust into Navient to calculate the correct repayment figure based on federal guidelines and have chosen to autopay. If Navient was wrong, I should not be on the hook for a larger payment.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May  Concern : I would like to dispute an unauthorized inquiry from  XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Re : XXXX account XXXX To Whom It May Concern : I continue to dispute the validity of this account. I request a copy of all information use to open the account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Trans Union is reporting an account on my credit report that i no longer owe the original company is XXXX and it was sold to XXXX XXXX and all debts are now clear with XXXX XXXX. I have included letters from both companies stating so.
Chase Bank is running a 3rd quarter bonus promo for Freedom card where you get times 5 points for shopping at Department Stores. 

1. I went on Chase website and clicked on Shop Through Chase to shop at XXXX XXXX. 
2. XXXX XXXX it clearly listed on my Shop Through Chase transactions. 
3. XXXX XXXX is also clearly listed in the Department stores list for this quarter eligible for 5 points provided by Chase. 
4. Chase tells me " I see the charge you are referring to reflects as " XXXX XXXX ''. Further, it is listed under the category of " XXXX XXXXNot elsewhere classified ''. Hence, your charge does not qualify for the same. '' 5. I have no control of how visa assigns categories, but Chase has clearly listed XXXX XXXX in the eligible Department stores list. 
Chase is clearly manipulating customers to use XXXX XXXX is the Department store eligible for bonus points but at the end refusing to award the points. Thanks
This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.
A collections report keeps appearing on my Credit Report for a debt that is not mine and I am never notified of the debt until it appears on my Credit Report.
I have student loans and wanting to get them forgiven. The school was shut down in XX/XX/2015. I can not pay these loans.
My mortgage is due on the XXXX of each month with a 15 day grace period. If Seterus does not receive my payment on the XXXX, they begin calling repeatedly on the XXXX throughout the rest of the month.
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have any disputes resolve or any feed back regarding this matter and its been well over 60 days.
I contracted my mortgage company, Wells Fargo Home Mortgage to try to make a mortgage payment and arrangements to bring the loan current. At the time, I was 3 months delinquent. They refused to accept the payment and instead advised me that I have to have all three months at once in order to accept the payment. I escalated the call to a supervisor, who told me the same thing. I advised them I would file a formal complaint because I am trying to give them money and they are refusing it. I was transferred to the Executive Complaints Unit and was advised that I could apply for a modification. I submitted my paperwork and within 2 business days received a call saying it was denied, but that I could appeal. The agent that was assigned to me flat out told me not to bother to appeal because it would not make a difference in the outcome. I had no options but to come up with all of the money to reinstate.
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
Navient and Sallie Mae keep saying I got a student loan in 2006. It is not me, I was not enrolled in any school at all. I keep asking for records but they will not send. Navient will not cooperate and keeps telling me to sign up for deferments to keep off credit but I just want it deleted. It is not me, in 2006 I worked full time and was not in any school at all.
Phone call was received, the medical debt collection agency identified themself as a law firm. No statement regarding this debt has been received and when asked for information he said he would forward it to the attorney. He continued to say this when asked for more information regarding this debt. And he said this XXXX times. He spoke to a spouse regarding this debt, which without prior authorization from me, the patient, I feel is a violation of XXXX. The caller was hostile, threatening and vague. When explained that there was no difficulty in paying the debt once we had received verification of their company, he continued to refuse to agree to send us any information in writing regarding this debt.
Received a letter from New Penn Financial NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX regarding an FHA Streamline Refinance. They wanted my SSN to pull a soft report. I declined, but they said it was necessary for them to work figures. Gave them SSN. I later found out that they did not have to pull credit and that the credit report they pulled was a hard credit report. I have requested the hard credit report be pulled from my XXXX Credit Report as I did not authorize a hard credit pull. New Penn employees are either not trained properly or a doing something against the wishes of potential clients.
I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
My debit card information was somehow stolen around XX/XX/2016 and someone was able to spend {$460.00} from my account over that weekend. Bank of America 's automated system contacted me on Sunday about unusual activity on the account so I checked my transactions and noted several purchases pending that I did not make. A claim was opened and within XXXX weeks bank of america concluded their investigation and determined that the charges were valid. I do n't know how bank of america made this determination but it is completely incorrect. I am a victim of fraud and I did not make those purchases. To add insult to injury I lost my job and that direct deposit that the fraud was taken from was to be utilized to pay my rent and a couple of other expenses. I have never actually had fraud successfully happen to me due to the bank catching it ahead of time. This time the bank was n't successful and I am disgusted with bank of america 's so called fraud process, decision and their company as a whole.
In XX/XX/2019, my mortgage loan was sold to LoanCare A Service Link Company, from XXXX XXXX XXXX. 

My loan did not include a prepayment penalty, as I would not have agreed to that. ( attached ) My statements from XXXX XXXX XXXX stated " Prepayment Penalty-No '' and did so for the five months they  held my loan. ( attached ) When I received my first statement from LoanCare A Service Link Company, it stated " Prepayment Penalty-Yes ''. I called them on XX/XX/2019 to advise them of the error. I was advised it was probably a keying error and would be corrected within two working days and I would receive a phone call advising me as such. To date, this has not been corrected. I spoke with XXXX XXXX of the XXXX Office. Employee ID # XXXX. 

This is very concerning to me as I did not agree to this and I request this be corrected and done so in writing to me.
I appied for a {$1000.00} loan and was initially approved by XXXX XXXX. Then, at the last minute, the loan request was denied because of some policy of the XXXX concerning my academic status in the school. My contention is that the claim that my academic status is bad is fraudulent and caused by mismanagement on the part of the school teachers.
I have a Fidelity credit card which I paid automatically through XXXX home banking. Without my knowledge, the Fidelity was changed to Fidelity VISA with Elan ( I 'm guessing at the name ) Financial Services. I continued to pay Fidelity, which took my money. I never received any information from Fidelity or the new service about the change. 

I continued to check my account on Fidelity 's website. It showed my balance and that I had XXXX minimum due. 

Today, I received a call from Elan collection telling me I was 30 days past due and owed them {$670.00} in payments and fees. I told them I did n't know who they were and that I would not send them money or give information to unknown callers. 

I called Fidelity. The customer service representative said she would get her supervisor and, without warning, transferred me to Elan collection. I talked to a guy who only gave his name as " XXXX '' and would n't give me a last name. He told me they had hit my credit report and I had to pay. 

I explained that I never received any statement, information about this transfer, or anything to send them my payments, that I did n't know where they were coming up with such a large amount due, and that I had paid Fidelity. 

I then went on my XXXX XXXX XXXX homebanking to find records of my payments. XXXX XXXX XXXX, without informing me, had deleted Fidelity ( XXXX XXXX XXXX ) as a payee, along with all my payment history. I can find the payments on my statements, but no longer have a payee history record. 

I told this Elan company they would have to overnight to me all the documents they were required to give me, including statements, announcements, etc, before I could pay ; that I needed to find out what Fidelity did with my payments, and that I would be registering a complaint with the CFPB on how this was handled. 

If this has happened to me -- I 'm never late on my bills -- this is likely to have happened to many others during this transfer of companies. Even if it has n't, I do n't deserve late fees, collection, the hit to my credit report, or demands for a large cash payment by a company I 've never heard of.
I notified Transunion ( XX/XX/2018 ), XXXX ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
Navient has twice changed my automatic payment without any notice. On XX/XX/XXXX instead of deducting the XXXX which was the previous deduction amount, they deducted XXXX. I had been enrolled in a program to get my loan out of default and when it was transferred to navient the deductions remained the same for a few months. They stated hey emailed me notices which I never received. Then this month on XX/XX/XXXX the deducted XXXX instead of the XXXX that was being deducted. I was enrolled in an income driven repayment plan and it had expired. I received no notice, even though they stated they sent me emails in XXXX and XXXX. I asked them to confirm my email multiple times and I asked to speak to someone to address the issue because I was not receiving an email. They stated they did not have a way to resolve the issue and just simply I should be receiving the emails. I checked all mail boxes and had not one email from them.
This afternoon I received in the U.S. Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2016. '' In this letter, under the " Previous Addresses '' section, it continues to falsely state that I lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX ; Reported XX/XX/2016. '' I have NEVER lived in " XXXX, CA. '' I do n't even know where " XXXX, CA '' is located at. I am the Victim of Identity Theft. I called up " Equifax '' and they still refused to " Delete '' this false Identity Theft " XXXX, CA '' address off my " Equifax '' credit file. I have only lived in " XXXX, California '' for the last 32 consecutive years.
I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.
I was trying to pay my lowest balance student loan originated on XXXX/XXXX/XXXX with a blance of XXXX as of XXXX/XXXX/XXXX. On XXXX paid off the amount reflected on my account in the amount of {$800.00}. On XXXX/XXXX/XXXX there was a balance of {$14.00} and today XXXX/XXXX/XXXX there is XXXX balance. The account is accruing interest even though its paid off. I called Fed Loan Servicing twice and got responses that did not make sense concerning the accrued interest. I want them to refund me the amount of {$14.00} in a check payable to me not applied to my loans. I will determine how I want my payments applied. I also want FEDLOAN SERVICING investigated on their loan interest accrual. Obviously they have issues.
A person unknown to me ( " the fraudster '' ) was able to " capture '' my phone number, thereby disabling my use of my own phone and my own phone number ; then the fraudster was able to access the XXXX app on my phone, which contained usernames and passwords to three different retail credit cards. The fraudster called all three retail credit accounts, purporting to be me by " spoofing '' my phone number when he called my creditors asking for " new cards '' and " increased credit limits. '' Two of the creditors were able to verify immediately that the fraudster 's calls were not from me, and they immediately locked down my accounts and prevented fraudulent activity. 

However, when the fraudster called my THD/CBNA ( Home Depot/Citibank ) credit card account, s/he was successful in getting a new THD/CBNA credit card sent to the fraudster at an XXXX-area address, whereupon the fraudster promptly made {$2600.00} in fraudulent charges to my Home Depot/Citibank account. 

I have notified THD/CBNA by phone and by mail of the fraudulent charges ; made Identity Theft and Fraud reports to the FTC and my local police department, and sent copies to THD/CBNA ; disabled my stolen phone number and been issued a new phone number by my carrier ; made fraud reports to all three credit bureaus re the fraud and the unauthorized requests for increased credit lines ; and done everything I can to get THD/CBNA to remove the {$2600.00} in fraudulent charges from my account, as well as to correct THD/CBNA 's erroneous entries on my credit reports showing incorrectly that I applied for and was turned down for an increased credit line with THD/CBNA. Yet THD/CBNA has failed and refused to do ANYTHING except close my hacked account and open a new THD/CBNA account for me -- then THD/CBNA transferred all of the fraudulent charges onto my brand-new account!!!. 

My most recent bill from THD/CBNA shows all the fraudulent charges ( all made in XXXX -- far, far from my home address ) -- even though I have complained repeatedly to THD/CBNA that such charges should be immediately removed and that I should not be held liable for such charges. 

THD/CBNA has been careless and negligent in its gross mishandling of this matter and has been completely unresponsive the many communications from my wife and me about this matter. According to THD/CBNA, I owe them the {$2600.00} that a fraudster charged to my account when THD/CBNA negligently sent the fraudster a THD/CBNA credit card IN MY NAME!!
Equifax has not only refused to put a XXXX year fraud alert on my account after I suffered identity theft, they have also refused to remove inquiries which were not made by me. The other XXXX credit reporting bureaus notified Equifax of the ID theft and the XXXX year fraud alert, which Equifax has ignored. Also I have letters from the banks that made inquiries saying that all XXXX banks would send inquiry removals to Equifax. Equifax has also ignored these letters from the banks. When I called Equifax to tell them about all of this, they said they never received a XXXX year fraud alert nor any of the inquiry removals which seems implausible.
Someone hacked my Paypal account and PayPal is not even acknowledging I am filing a complaint ; they appear not to be willing to investigate.
Recently my wife, XXXX XXXX XXXX had dental work completed at the XXXX XXXX Nebraska XXXX XXXX. Most of the fees were paid directly to the XXXX XXXX including XXXX ( {$790.00} ) of the total charge. This left a balance of {$1300.00}. When we inquired about how we could settle this debt other than a cash payment we were advised that we could apply for an interest free 6 month credit card from a company by the name of CareCredit. We applied for the card and were insured that so long as we paid the full balance prior to six months from the approval date of the card it would satisfy the {$1300.00} debt in full. 

We received the first billing statement from the Synchrony XXXX which apparently collect for CareCredit. We made a payment of {$220.00} to the " Bank '' although the statement showed a minimum payment due of {$44.00}. Our {$220.00} payment was made to insure we could complete payments within the expressed 6 month interest fee due date. 

Subsequently we received a second billing now showing a promotional charge of {$1100.00}. Wondering why the payment of {$220.00} did not reflect the correct balance due which should have been {$1000.00} ( {$1300.00} minus {$220.00} ) we inquired by telephone call to the Synchrony XXXX in XXXX, FL who were listed as account holder on our statements. We were told by XXXX at the Synchrony XXXX that we were being charged a monthly maintenance charges of {$21.00} in XXXX and {$18.00} in XXXX XXXX. These almost 1.7 % charges based on the original payment were made without any knowledge on our part or notification of any charges or interest. " XXXX '' advised me that this was a type of charge made to ( protect our card ). When I pointed out that we had no knowledge of buying any sort of card protection XXXX said that they ( the Bank ) would cancel the maintenance fee charge for future payments and would refund the charge only for the XXXX {$18.00} charge and that it would probably take 2 or 3 billing cycles before any refund could be made. 

This just seems to me that the CareCredit card was just a way to make us open a CareCredit credit card account and that the maintenance charge was no more than a substitution for interest. We feel that we are entitled to both XXXX and XXXX charges in a timely manner and should no longer be subject to these unfair unsolicited charges.
I've been paying {$100.00} each month on my capital one credit card but it doesn't affect my balance. My balance continues to rise even though I keep paying on time, so I'm not making any progress toward paying of this credit card. I'm fighting a losing battle ; I've tried to negotiate with them, but it hasn't done any good.
I have disputed accounts on my XXXX report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
ON XXXX XXXX I RECEIVED A LETTER FROM CHASE BANK USA INFORMING ME THAT I WAS DENIED A CREDIT CARD DUE TO MY POOR XXXX CREDIT REPORT. THE PROBLEM IS THAT I NEVER REQUESTED OR GAVE AUTHORIZATION TO CHASE BANK TO PROCESS A CREDIT CARD APPLICATION. I HAVE WRITTEN TO THEM BRINGING TO THEIR ATTENTION THEIR VIOLATION OF MY PRIVACY RIGHTS AND DEMANDING ACTION TO CORRECT THIS VIOLATION. SEE ATTACHED LETTER ADDRESS TO CHASE. I WANT YOUR BUREAU TO ADDRESS THIS WITH CHASE, BUT MOST IMPORTANT TO CHECK THEIR RECORDS TO MAKE SURE THIS BANK WHO HAS AN EXTENSIVE HISTORY OF FINANCIAL AND CONSUMER LAW VIOLATIONS AND BEING FORCED BY THE JUSTICE DEPARTMENT TO PAY BILLIONS IN FINES, THAT THERE IS NOT A PATTERN OF VIOLATIONS SIMILAR TO THOSE EXPERIENCE BY XXXX XXXX CUSTOMERS A COUPLE OF YEARS AGO.
I requested my credit file on XXXX XXXX, 2017 and found several mistakes. Some of which I was unable to dispute online because there is no option. 1. My employment information had n't been updated in 3 years. 2. None of my previous employment was listed except for 1 item. It shows that I only had 1 job. 3. My current and prevous address are mismatched. There is no way to request a dispute for that to correct it. 4. Items that are paid as agreed with no past due or {$0.00} balance are listed as negative and not paid as agreed. Again another item for which there is n't a good way to dispute.
I have attempted to get this inaccurate judgment removed from my Equifax and XXXX credit reports for months. They keep referring me back to the courthouse and when I contact the courthouse, they are indicating that they did not report nor do they do any reporting to the credit bureaus, so they ca n't help me. 

The staff at the courthouse also provided the above information in writing. After submitting it to XXXX and Equifax, they still refuse to remove this inaccurate information from my credit report.