WillisBack/dataset-financial-user-claim huggingface dataset:
I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.
PHH Home Loans provided false information on my XXXX XXXX, XXXX loan application stating that I had six years on one job whenthey knewI provided them my tax information ( XXXX ) and bank information of my various employers XX/XX/XXXX when I received my pre approval letter. Please see attachments. They did not include all of my employers on my application that I provided them. I received the loan application with my information already filled in by PHH Home Loans. All I had to do was sign certain pages. This is another example of PHH Home Loans intentionally providing false information and being deceptive, which is proving to be a pattern for them. Please see attachments. Their actions have caused me to be homeless and to max out my credit cards due to living out of a hotel since XXXX XXXX, XXXX, which my loan officer knew about prior to PHH Home Loans denying me for a loan in XXXX XXXX, XXXX I qualified. Please see attachments.
On XX/XX/XXXX I discovered that GM Financial was not sending updates concerning my on time payments. I only discovered it after calling them to dispute a late payment reported to the three major bureaus inXX/XX/XXXX. The company ( GM ) advise that it was a company wide issue that they switch systems and that they were making errors so not to get anyone credit incorrect, they elected not to report. However, it has been 4 months since they have submitted and update. I'm working to rebuild my credit and the last then sent is a late payment over 4 months ago. My loan is new so its driving down my points daily as it looks that I no longer have the loan and after 3 payments one was late! I demanded that they send an update to the bureaus and they stated they would. I demanded that they send a letter to me advising that the task is complete. I'm yet to received this letter. Please help to resolve this issue as my family and I am looking to purchase a home and this is hurting us.
XX/XX/2018 I am being hit with a Inquiry from wells fargo. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.
Home Depot represtative told me that there would be no interest on the balance as terms of opening their account, so I purchased a small refrigerator costing around {$390.00}. But they added interest on the balance from the very begining which was disputed. 
I made many payments, but they added huge sums of interests and late fees toinflate the total amount but I still offered {$200.00} to settle for full amount. 
Now they do n't to deal with me or discuss about resolution as they have transferred theaccount to another entity. They must give me a chance to resolve it.
Cash Plus XXXX XXXX XXXX XXXX XXXX, CA. I received a loan In XXXX XXXX in which I was not able to pay back due to financial difficulties. Once the check returned I received non stop calls/ emails and phone calls to my job. I did ask them to please stop calling due to my financial status. My references continued to get detailed calls from them as well as my work place. on XXXX/XXXX/XXXX I received calls from XXXX giving me a case number and asking if I had an attorney available and that I had 48 hours to pay or get sued. He also called my work place and references saying I was a person of interest and they needed to describe me and give them any information they had on me. When I spoke to XXXX again he stated that i wrote " worthless check '' and there was nothing I can do to stop him from continuing this lawsuit. I asked him to no longer contact me or my work number since I can get fired and right after he hung up on me he called my references again and went into more detail about how he is going to sue me withing 48 hours. 
I then again called XXXX at XXXX XXXX XXXX XXXX and asked for a corporate number and he stated he was corporate, When I asked for the number to the XXXX and he hung up the call. I am unable to reason with this person and no one else can help me.
I currently have an open complaint with the BBB regarding my debt owed to my Amazon.com store card which is through synchrony bank. My original complaint was that I was receiving five calls a day for debt I do n't deny owing. Five phone calls a day is outrageous. They charge me late fees and interest ... the consistent calls on top of it is ridiculous. 

At that point my complaint was referring to about three days worth of calls. However I continued to receive five calls a day for at least a week, a few emails, a text message indicating payment due AND a letter in the mail. 



I received response from synchrony bank on the XXXX website this morning. Indicating they wo n't refund but that they 'll no longer contact me on my accounts with them. However they listed all the other accounts I have ( with other stores like Amazon.com ) which is posted publicly on the XXXX website. A disclaimer the website reiterates prior to posting on their website. My initial complaint was regarding XXXX account that is in fact past due. The others listed are not ... which gives the reader whomever that may be reading, ( such as a potential an employer looking to hire me, a family member etc ) insinuation I 'm past due on multiple debts. I not only consider their debt collection practices harassment, but now I believe they were being passive aggressive in response to my complaint and violated my right to privacy. 

They also claim no contact was made on the occasions I claimed. I have record in my call history of all calls made. They even mention a few messages were left there was only XXXX. They say because I have multiple accounts with them that basically I could be receiving phone calls separately for each one. Which is false, the phone number is linked to Amazon and the voicemail left is referring to Amazon. 

I want full refund at this point ... their response is inappropriate and wrong.
XX/XX/2018 : COLLECTION FRAUD CONTACT INFORMATION FOUND FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a recovery management company XXXX XXXX XXXX ( XXXX ) called and asked for [ woman 's name I do not know ], I said she has the wrong number. She said is [ man 's name I know ]. I said, who is this? She said is [ woman 's name I do not know ] his mother? I said no. What is this about? Lady rudely hangs up the phone on me. 
XXXX I call the number back and talk to a representative, demanding to know who they are and what this is about. They tell me unless I give them my name, information, SS # they can't look in their database and help me. I do not give out any information and I hang up. 
While on that call someone from ( XXXX and XXXX ) calls me one after another but neither caller leaves a message. 
XXXX I call XXXX number back to see who it is. Her name is " XXXX '' and she is asking for my husband. I ask why doesn't she call him? She said she tried calling but there is no answer. I ask her who is she trying to reach? She said [ man 's name I know ]. So I said if it's important leave a message I can't help you. She used a cold tone I'm assuming to try to intimidate me. 
My husband has had his identity stolen once already and getting phone calls like this put us on edge. They were very pushy about it and made it seem like the person they were trying to reach is in some kind of trouble and by me not giving info I was not helping that person out. These people are predators, they are trying to suck information from decent hardworking people. I don't care if they are looking for others to get what they need. Their use of skip tracing to strategically connecting the dots is so disruptive to the rest of the United States. They don't care though ... .they get paid handsomely to find their person ... such an incredibly selfish way to do business.
Wells Fargo Dealer Services is refusing to honor my SCRA Request to lower my APR of 11.49 % to 6 % while on XXXX. I have faxed my request, along with orders, to them XXXX times, as well as emailed them, and sent them via USPS Certified Mail with Return Receipt. Wells Fargo still says that they have not received anything from me and refuses to honor my SCRA Request. This is the XXXX year in a row that they have denied my request.
My account with Coinbase is restricted and is currently shown as negative ( -XXXX ) due to problems with my bitcoin buys from my XXXX XXXX credit card. Coinbase is not responding to my support requests. This problem was because two purchases were mistakenly disputed ( I have alot of purchases and mistakenly did not recognize two of them ). One was for XXXX and the other for XXXX The dispute of XXXX was ultimately found in ( coinbase ) favor and it was recharged to my credit card account. The other dispute of XXXX is still pending. Since the dispute was settled in their favor my account should be negative ( -XXXX ) and not negative ( -XXXX ). Due to Coinbase restricting my account I am unable to access bitcoins currently worth {$170.00} already in my Coinbase wallet because they want me to pay -XXXX instead of -XXXX. If they want me to pay XXXX to regain access to my account that is fine. However, they are trying to double bill me by saying my account is negative XXXX. Attached is proof that the XXXX was rebilled to my account. The first attachment is a secure message from capital one saying coinbase won the dispute and that I was re-billed. The second attachment is my actual credit card statement showing I was successfully re-billed.
The original debt was from a phone compeny and the phone was faulty they even sent me another unit due to this issue but yet again I was getting billed even when I was in WiFi mode using data rather than roaming but the system reported me a roaming using data, so I complained and complained but yet they would not remove the fees so I do believe its my fault for there software or hardware issues.
I went to a car dealership and authorized a soft inquiry on my credit. I know it was supposed to be a soft inquiry because the salesman said that is all it would be. Two days later I find out there are XXXX hard inquiries that I never authorized.
We recently applied for credit for our small business. We were declined with the explanation that XXXX XXXX card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/2017 due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show XXXX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to XXXX in XXXX of XX/XX/2017 which paid off the full balance. We have bank records to prove this. The XXXX account was closed, and we thought that was the end of the issue. We had no idea that XXXX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted XXXX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of XXXX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to XXXX. But, we don't feel XXXX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with XXXX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.
My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website. So, I went from always being current on my mortgage to always being charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.
For the past week ( XXXX XXXX - XXXX XXXX and ongoing ), Equifax will not let me into my account. I have talked to them ( via various phone numbers, and both overseas and U.S. agents ) at least six times a day and get different, ridiculous excuses. I still can not get in. When I try to reset my password ( which I know I am entering correctly in the first place ), the reset emails never arrive ( and I have checked junk/spam folders ). 

All this began because I want to put the now-free freeze on my report. I had no problem with XXXX  and XXXX but can not do so on Equifax. However, through their free-to-people-whose-information-was-compromised last year XXXX site, I can see that the employment information listed for me is beyond bizarre. It lists companies I have never worked for and shows one employer not as an employer but rather my occupation. I've talked to Equifax to try to fix those and they've promised me it's fixed but it still shows wrong. 

Sometimes I've been asked those personal questions about personal loans and such. I absolutely have answered them 100 % correctly every time but I STILL can not access my account or any information related to it ( i.e., I can not access my credit report information ). 

So to summarize, 1 ) I can not get into my Equifax account no matter what ( including trying to create a new account ), 2 ) Thus I can not freeze my Equifax account, and 3 ) the employment information is crazily wrong but I can not fix it or get it fixed.
Hello, we have fallen behind in our mortgage loan and Ocwen Loan Servicing LLC, is the servicer for the loan. We have applied for a Loan modification, submitted all of the documentation to Ocwen and they are stating that the process can take 30 days. The only way to get answers is by making scheduled appointments with a designated Relationship Manager who is only available by appointments. In the meantime, the bank, XXXX has foreclosed on us. I have explained to Ocwen that the Bank has foreclosed and they said to me that they have no records of this information. I contacted a forecloseure lawyer and with his help he did confirm that they did start the Foreclosure. How is it possible that Ocwen does not know. Moreover, why does their loan mod process have to take 30 days. I do not want to loose our home. We have been living in here for the past 15 years and we are back on track with both of us having full time jobs. We are capable of paying our mortgage.
I did not receive my credit card statement in the mail from Target for the time period of XX/XX/XXXX2013. I noticed this when I just happened ( luckily ) to check my account online. I spoke with a representative and all late charges were removed ; I paid my bill in full online the day I noticed - as well. 
This - however - is reporting to all of my CRA 's as 30 day delinquency for XX/XX/XXXX2013 with Target. I would like this removed.
THIS IS NOT MY DEBTDear XXXX, Dear Billing Dept Manager, I am writing this letter to confirmed that this is not my debt. And stop contacting me. 
I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector. 
I am very upset to received this notice from you and RPM Collector LLC. 
I have paid on XXXX/XXXX/2015 with total {$100.00} by my credit card XXXX at XXXX XXXX XXXX # XXXX XXXX, XXXX, CT XXXX. ( Reference receipt ). After 7 days I have received XXXX more bills, I did call to Customer Service to make sure, and the teller told me " you paid already ''. Later a week, I am still received XXXX bill and RPM Notice on XXXX/XXXX/2015. 
And I did send the letter to answer about this debt at RPM on XXXX/XXXX/2015 but I am still received another letter to collect money from RPM again on XXXX/XXXX/2015. 
So I need you have to verify with your Billing department 's XXXX about this problem. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your help, Sincerely,
Filed a dispute with TransUnion in XX/XX/2017, it still shows " in progress ''. They have not communicated with me any information. the File identification number for the dispute is XXXX.
XXXXXXXXXXXX Cards ServicingI have XXXX credit cards, with them I am now working with a XXXX XXXX XXXX NJ, Each day I receive XXXX calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the XXXX of NJ.
Based on my knowledge, we notice alot of violations in regards to my loan and Who owns my loan to pay off a alleged debt with the previous servicer, who is now under investigation ( XXXX XXXX XXXX ) and not license in Maryland under the MD Commissioner Finance office. to collect a debt from a third party. later discover the alleged loan was transfer to XXXX XXXX XXXX. I ven sent off the dispute letters to send to the servicer/ third party debt collector. my payment was returned. and later applied for modification which clearly was denied numberous times under hardship circumstances. I would like to entire loan to investigated due to preditory lending, truth n lending, Respa.
On XX/XX/2018 I called XXXX to request my 3 credit reports. I was told it would take 15 days to receive them. The last 2 years I haven't received my report from Equifax. Last year I called them, explained I didn't receive it, was told they'd send it. Nothing. I called again, still got nothing. Here we are this year and I have my report from XXXX and XXXX, but no Equifax. Clearly they ignore the requests.
on XX/XX/29 company withdrew {$610.00} from my bank account without authorization
XXXX XXXX XXXX refuses to remove a mark on my credit that was paid and I have disputed it and they won't remove it.
Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Bank of America illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.
My private loans are being serviced by American Education Services and I recently defaulted on a loan. After my loan defaulted I was told by an American Education Services representative that there were options available but it was too late now. I called weekly before the default to see what options were available and was always told no options were available to lower payments or interest rates. Loan payments are {$1500.00} a month, I can not live on making {$300.00} a week payments. Need a way to consolidate my private loans and lower the payments. 

Recently featured in the local paper about the difficulty I have been having dealing with American Education Services. 

XXXX
My home flooded on XXXX XXXX, XXXX in XXXX XXXX, LA. My insurance company promptly issued a payment for the damages to my home. The payment was issued to XXXX XXXX XXXXl / XXXX XXXX and myself. They first tried to tell me I MUST hire a contractor to do all the work and tried to tell me it was required in my mortgage agreement. I read my mortgage agreement and it is NOT Required for me to hire a contractor. After calling them on that lie, they released the first 1/3 of the money for the repairs. When I requested the first payment they tried to tell me they only had to release money for the repairs that have been completed. WHO are they to hold my insurance funds. They are making me beg and jump through all kinds of hoops to receive the insurance money they are drawing interest from while they hold. I have allowed them to inspect the house to see the repairs are being done, and this still is not good enough for them. I can only do the repairs until my credit cards are maxed out and then I have to BEG them to release the money so I can pay the credit cards so I can start charging again to get the repairs done. This is costing me more because I have to pay the interest on those credit cards. This company is ripping me off and I need someone to stop them and force them to release the money my insurance paid so I can get all the repairs completed.
I am not satisfied with the resolution to my dispute. I am a new and young customer with Wells Fargo. I do not think they should deal with XXXX for many reasons. It is not a reputable company and there is no fraud protection at all. I understand that you should never send money to someone you don't know but I believe as big as Wells Fargo is and as long as they have been around that they would be able to protect their customers. I did use XXXX and thought the transaction went through however Wells Fargo posted this transaction twice. I am very dissatisfied with the results of my first complaint and I believe that the resolution was honestly a bit juvenile. I had already gotten my refund from Overdraft when I myself called the bank. I believe I deserve to be refunded one charge of the {$70.00} transfer to XXXX. I do NOT think that is asking much. I have learned my lesson and will never use this function again but I believe that Wells Fargo should have some protection for their customers.