WillisBack/dataset-financial-user-claim huggingface dataset:
I recently checked my credit and discovered that this company has reported that I owe them debt. To my knowledge I have never done business with this company neither have the provided me with goods nor services.
hi i have over  XXXX  hard inquires on my credit report i did not allow anyone to do this please help! I have a very good credit report besides the unknow inquires. Ive never had a late payment or a missed payment. This inquires have a major inpack on my credit report.
For the past 3 months I have been trying to get Experian and XXXX to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with Experian and XXXX and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.
I disputed the account several times by stating validation that I signed paper work with your company to show a collection on my account. I faxed over a letter asking them to remove it and she stated that the letter just goes in a file and this was submitted by XXXX XXXX XXXX. I told her that this should have been reported by XXXX XXXX XXXX and not there company. South West credit system in the amount of {$780.00}.
Counting {$270000.00} they say we still owe and the {$280000.00} balances we have paid in full We have now paid {$730000.00} of {>= $XXXX} they want us to pay for our {$270000.00} house. 
I believe Wells Fargo has stolen {$200000.00} and our duplex they foreclosed
On XX/XX/XXXX I attempted to reach out to transunion to dispute a slew of credit inquiries that are reporting on my credit file inaccurately or in complete error. However their customer service would not assist in deleting the negative remarks for the below inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Thank you
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # XXXX
TIS IS A MEDICAL BILL in the state of California it illegal if you don't have health insurance. me and my family have had state medical for over 15 years. I covers everything. THIS SOULDNT BE A COLLECTION ACCOUNT.
Citi bank charged returned fee in an amount of {$34.00}. The account was never overdroven and I always had enough funds for purchases.
Received phone a phone call last week from Trans World Incorporated regarding a debt.  Informed them at that time that I was on medical leave with no income, would make a payment when able.  Received a phone call XXXX  from trans world on line XXXX  at XXXX and was hung up on.  Returned the phone call to that number and discussed again that a payment would be made in 5 weeks.XXXX XXXX receive an autodial call from XXXX, am identified and disconnected.  Return the phone call, am identified and disconnected.  Return the phone call, am identified and explain again that I have a XXXX account balance and am unable to pay until 5 week from today’s date.   The representative pressed for a payment today still and I again explained that I have a negative checking account balance and am unable to make a payment today.  I did offer to send blood.  I then asked the representative if they were allowed to “continue making harassing phone calls every 23 hours” and she informed me that she was allowed to call me every day to collect on a debt.  I asked her if she was familiar with FTC regulations and she informed me that “You and not the only person I call, Transworld is a big company with 1000’s of clients, I know what I’m doing”.  I told her she was ignorant, she asked me to stop using profanity, I explained that the word ignorant is not a profane word.  I asked her to identify the company she was calling on behalf of, she refused and transferred me to a team leader.  I spoke with the lead and asked her if it was legal for her company to call me every 24 hours if we had made contact.  She said it was not. I asked the lead if it was legal for the previous representative to use a threatening tone when demanding payment that day and she said it was not.I again informed her that I would make a payment in 5 weeks.  I was not offered a post dated payment option.  I was not offered a payment plan.   I was only offered / demanded payment in full today.
XXXX was available but the system would not allow me to download the others but instead created a endless loop to no where. So I see after the fact I should have requested all three report by mail.
this is a re-occurring problem. I made my original complaint # XXXX filed on XX/XX/XXXX. to review I was trying to get {$20.00} from my XXXX XXXX XXXX credit card from an ATM owned and operated by citizens bank which I have a banking account with and has had one with them for 50 yrs. anyway I went to the citizens bank atm machine onXX/XX/XXXX to get the {$20.00} and the atm said the action selected is not available at this time. please retry. so I tried again and I got an answer from the atm the available balance exceeds the available balance. so I went to the bank manager XXXX XXXX who told me he has no control over the atm. I was told by XXXX XXXX XXXX that citizens took the money even though they were made aware that I never to the money. XXXX XXXX XXXX says there is nothing they can do. citizens bank refuses to give me money they stole from me. somewhere the books at citizens bank should not have balance and that is why I say they stole the money from me. they have the money and wo n't give it back. it is STEALING. I got a call from citizens bank on XX/XX/XXXX about the original complaint to you and they still refuse to give me the money. they said I have to get the money from XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX told me I have to get it from citizens. well I think citizens bank should give me money they should never have stolen in the first place.
To whom it may concern : I have mortgage with XXXX Chase ( lender ) and I never want to have an escrow account that means I pay insurance and property tax myself. I do not know why Chase forces me to have an escrow account that I never want to. Can you please help? 
Regards, XXXX XXXX
My name was incorrect on the bill and the credit account name was typed by a representative holding my license. Everything I tried to pay my bill they could n't find my account by name social security or phone. I tried XXXX 4 times to lay the bill. Finally it went to a collection agency and they called my phone and helped me take care of it. Bill went delinquent just because they would n't double check spelling with my license in their hand.
i have been receiving pre-approved letters from Capital one Auto Financing they have been pulling my credit report without my permission they have put 17 hard inquiries on my credit report I am in the process of purchasing a home now it has been delayed because of the inquiries this is a continuing problem this has happened more than one time I have called to complain to them and they are still doing it I need this to stop or I won't be able to purchase my home please help me
I am very frustrated with SLS they dont want to offer me principle forgiveness, even though my loan is eligible. I had to pay for the for a new appraisal because SLS was stating my home is not worth {$230000.00} after paying for the appraisal my house was worth {$35000.00} only. However ; now they have increase the value purposely for their own benefit. This needs to stop I have tried to work directly with SLS. But unfortunately they keep making me re-apply. All I want is a fair review, I am tired of all the fraudulent claims SLS is using against me to prolong my loan, making me fall more behind. I am an elderly men and my family is helping me to contribute towards my household. SLS has all the proof of my current income which is {$XXXX}. My monthly expenses are {$2000.00} includes my monthly mortgage payment and utility bills. However SLS still stated I dont have enough for an affordable mortgage even though, I have a {$300.00} surplus. Like I have mention my home is severely under water and is only worth {$35000.00}. But SLS keeps changing the value for there benefit. I am tired all I want is fair review and to keep my house. I can not help but to think that SLS engages in fraudulent and deceptive practices during a modification review.
Have received my free Experian Credit Report which I ordered through Free   XXXX   XXXX   XXXX  . The report number is :  XXXX . The company Experian denying me access to file a dispute online to incorrect i nformation on my credit report. I input of all of the correct information including Name, Social, Current Address,  Previous, Employee, and everything is correct but they still denied me access to file a online dispute. When they had me go through the identity verification process I answered all questions correctly. They questions ask me did I have mortgage opened in  XXXX  I answered " No '' because I did n't open a mortgage in  XXXX  nor have I ever to a mortgage for a loan on a house. They also asked what company did I take out auto loan with in  XXXX  I answered " None '' because I did not take out a auto loan in  XXXX . They asked what was the monthly payments I answered " None '' because I did not take out a auto loan in  XXXX  nor do I still have  one on  my credit. Experian is denying my access to file a online dispute for incorrect information on my credit even though I answered all verification questions correctly. It is unscrupulous and unethical for Experian to deny me access to file a online dispute when I put in all of my information correct, I am signed up for the Experian application which full access to my credit report every month, and I even have the actual credit report number that I am trying to file a dispute with but they are still denying me access.
On XX/XX/2016 I had all my inquires deleted. And when I logged back in today they are all back. This caused my score to go down.
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, XXXX and Experian ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
I spoke with XXXX around XXXX XXXX central standard time, and requested this account XXXX be placed in dispute status pending further investigation into unlawful charges by XXXX XXXX XXXX XXXX under section 201 ( b ) of the 1934 Communications Act that makes this unlawful for a common carrier. Your attempt to collect this debt is being reported to CFPB, I request arbitration with XXXX in the amount of {$10000.00} for this matter. You have ruined my credit report by preventing a low income individual, and minority business from obtaining, and securing funds needed to maintain business overhead cost. Under the commissions rules I can pursue action with the FCC, or in district federal court to collect damages to my small business. I signed up for a {$99.00} promotion, and agreed to pay {$52.00} per month, yet my initial bill was around {$600.00} plus. Furthermore after one month you add a disconnection fee of {$600.00}, when I should only owe {$150.00} plus tax for the first month. You have unlawfully breached my contract by cramming additional charges onto my XXXX XXXX XXXX XXXX account.
I have a Capital One credit card which I use and payoff each month so I don't carry a balance. Back in XX/XX/XXXX I decided to use one of their promotion loan offers to buy a pool liner. I took a loan, via an Access Check, of {$4000.00} which had 0 % interest if paid off in 18 months. I calculated that I would need to pay an extra {$230.00} a month to make sure the loan was paid off prior to 18 months. So, each month when I got my bill/statement I would pay {$230.00} extra on top of the total transactions that were listed on that statement. This way I would continue to completely payoff my credit card each month and also pay an extra {$230.00} which I assumed would be applied to the {$4000.00} loan. 

Now it's XX/XX/XXXX and I wanted to make sure I was on track to paying off the {$4000.00} loan prior to XX/XX/XXXX so I looked closer at my statements and I realized that there is no indication of how much I have paid off so far on my loan and how much I still owe on that loan. So, I called Capital One and after talking with a customer service rep for an hour or two she decided that she was unable to fully help me with my questions. So, I asked to speak to a supervisor and when I did I was told that even though I am paying an extra {$230.00} for each statement, only the minimum payment for the statement is being applied to the loan and then the rest would be applied to transactions that occurred after the end of my statement and prior my check being processed by Capital One. This means there is no way for me to know how much I need to pay for a statement so that {$230.00} goes to the loan. 

I asked how a consumer like me is supposed to calculate what payment I need to make for a bill to be sure I pay off {$230.00} from the loan and he said the best thing to do is call Capital One and ask what is the current balance on the credit card. But that still wont always work either since it takes time for my check to reach and be applied by Capital One and in that time more credit card transactions could come into the account. The supervisor said that his explanation is all in the terms of the loan. 

So, there is really no way for a Capital One consumer to know how much they would need to pay for a bill to ensure that a loan that has a interest free deadline is paid off in time. And there is no way to known how much the loan was reduced with each bill payment. 

This feels wrong to me since I assume this would lead to most consumers not paying off the loan in time and incurring all the accumulated interest on the loan.
I am CITI Prestige card member ending XXXX. I used CITI Prestige card to book XXXX XXXX XXXX XXXX XXXX at XXXX UT, address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX. I was staying at that hotel on XX/XX/XXXX to  XX/XX/XXXX, Confirmation number XXXX. I have disputed XXXX XXXX XXXX XXXX XXXX for XXXX $ room charge on my prestige card due to the hotel service is unexpected and unacceptable. The hotel room has bed bug and I and my partner got serious XXXX at the hotel. I have pics indicating the blood staining on the bed after the XXXX and the XXXX on my XXXX and XXXX as well as my partner, as well as doctor visit documents. I contacted the hotel but they refuse to admit the bed bug XXXX and refund my money. They do n't reply my email nor willing to solve the complaint, just ignore me. The customer service of the hotel is bad. The bed bug XXXX causes us serious XXXX and XXXX XXXX and XXXX and also, we need to spend lots of time cleaning our belongings and our room for preventing the bed bug from your hotel to my home. We also need to see the doctor and waste my time to work. The room is not as we expected when we book at XXXX XXXX XXXX XXXX XXXX website using Prestige card as it claimed the room will be clean without bedbug. That 's why I dispute the charge on Citi Prestige card for unacceptable and unexpected hotel service. I received a letter from CITI on XX/XX/XXXX, and ask me to provide evidence why I believe the service is not as expected. I have contacted CITI dispute department and provide evidence by email onXX/XX/XXXX. The CITI dispute department claimed this is due to the quality of service not as expected and they can not dispute the charge. However, this is not the case when I apply for the Prestige card. You have the option when I choose to online dispute as " service not as expected '' and claimed this card is best for the customer with travel in the hotel. However, based on the evidence I provided the hotel is dirty and with bedbugs, and the confirmation email from hotel stated the room and bed will be clean, which is definitely not as what it described. I checked the Prestige card instruction of dispute and in no place stated that you can not dispute charge based on the service received. Also, the letter I received from CITI asked me if I want to continue dispute and asked me to provide evidence why I believe the service is not as expected. That 's why I spend about 3 hr. to gather information and sent to CITI on XX/XX/XXXX. If  you can not dispute based on service not as expected why you asked me to send you evidence on my side? This is totally misleading and I am really unhappy with the outcome. I really hope CITI could help me in this case at your earliest convenience and refund the charge on my account. Thank you!
Yesterday, XXXX/XXXX/XXXX. I received via postal mail, a XXXX Cancellation of Debt " Corrected '' form for XX/XX/XXXX, but it was dated for XXXX/XXXX/XXXX from Bayview Loan Servicing , LLC at XXXX. XXXX XXXX, XXXX FL XXXX ( XXXX ). Should they not have included a dated date on the form or at least put the current year they are sending the form out to me? Please advise as I 'm not sure what to do here or if I have to file an ammended tax return now. Thank you so much.
1. Hard inquiry from Citizens Bank on XX/XX/XXXX, that I didn't know about. 
2. Hard inquiry from XXXX/XXXXr on XX/XX/XXXX, that I didn't know about. 
3. Hard inquiry from XXXX on XX/XX/XXXX, that I didn't know about. 
5. Hard inquiry from XXXX on XX/XX/XXXX that I didn't know about.
ENHANCED RECOVERY COMPANXXXX XXXX XXXX, XXXX ( XXXX ) XXXX age of account I do not owe shows XXXX XXXX 2014. The company lies on my credit report and when I contacted them they said they will move this to XXXX XXXX XXXX Please see attached copy of the report.
in XX/XX/2018 i was 2 months beind on my morgage with ocwen i had onappointment with my relastion ship manager on XX/XX/XXXX he wasnt aval i spoke to on nnother manager he told me since i apply for new modification give me new oppt XX/XX/XXXX when he call me on XX/XX/XXXX he told me my modification was denid and can not accept a payment becouse i/m 90 days late now and he will give me a payment plan wiicth also was denid he said my icome to low i dont know what to do we want to stay in our home
I received a judgement of a garnishment that I am not aware of what for. I was not notified of a lawsuit and do not recognize this company 's right to sue me at this time. I need evidence stating what the lawsuit entailed and the original debt that they are claiming.
My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent Equifax, XXXX, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless
During the past few months, I have called Discover Corporate Office and requested return calls. Unfortunately, to this very day, no one has returned my calls. Today, Monday, XX/XX/2018, I spoke with several account managers or Dispute Billing Representatives and requested to speak with a supervisor or Corporate and I was advised that all lines were busy. The first person I spoke with on today, was unprofessional and I was requesting that the call be pulled for today, XX/XX/2018, about XXXX XXXX DEST. Representatives so not like being identified as they do not want to give the first initial of their last name and they do not have reference numbers for the calls or the representatives.

It appears that representatives have been unprofessional and Corporate does not wish to address this with me. Also, I have a dispute which the initial recording states, " your dispute is complete '' however when I speak with a representative that recording is not true as Discover is still waiting for a response from the merchant. This recording appears to be very contrary to the truth. The dispute is not complete and the recording should indicate that. I had wanted to know the status and why the recording stated the " dispute was complete and I would receive a response within 10 days '' when the representatives

states that they are actually waiting for a response from the merchant. Lastly, I have repeated left my name and number and yet no one from Discover Corporate Office has bothered to adhere to the account managers ' notation. This appears to be a poorly ran company or either staff chooses who they wish to call back.
I received a letter from XXXX on XXXX XXXX, 2016 informing me that they contacted Transunion and requested them to remove hard inquires from my Transunion Credit Report. I recently viewed my Transunion Credit Report and Transunion refuses to remove the inquiry from my credit report. The letter will be provided upon request, The letter is signed by XXXX XXXX XXXX XXXX
It appears that the payment was incorrectly applied when I made an early payment. A full month 's worth of interest was charged ; however, the payment was made on the XX/XX/XXXX. Interest was prepaid at the inception of the loan for the five days in XXXX. The interest should be {$620.00} ( 4.75 % * ( 16/360 ) ) conservatively. Instead, the full {$1100.00} was accrued against my payment. Further, my second subsequent payment was made on XX/XX/XXXX and I was charged a fuIl month of interest, which is essentially double-recognition by Wells Fargo. All the interest charged has not been earned by Wells Fargo and should not be charged from future periods. Please let me know if you have any questions.