WillisBack/dataset-financial-user-claim huggingface dataset:
I paid AGAIN for a current Equifax and XXXX score. 
Equifax never timely completed investigation from XX/XX/2018. 
Called for Report and Score I just paid again for an told by Equifax system would not provide it nor explanation why dispute because of Identity Theft on XX/XX/2018 has not been timely completed. 
i want Equifax to pay my actual expense incurred for failure to timely complete investigation. I was approved for a personal loan and lender waiting Equifax completed investigation! I want money returned I paid Equifax for current XXXX which i was told last week was XXXX, however Equifax has not provided this information to potential lenders since they told me this. They either intentionally gave me inaccurate information or have intentionally been providing those inquiring false information. I want my money paid today for current score and XXXX refunded. I want Equifax find for failing to comply with law and regulations.
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017  until now are NOT mine and need them removed from all credit reports Thank you
Dear sir or madam, Im writing you in regards to a vehicle my wife and I punched from XXXX XXXX in XXXX ny on XX/XX/2016, we were under the understanding they ran our credit report and submitted it to there lenders for approval, instead they submitted applications to all there lenders and the all ran our credit I dont believe that we had given approval for them to do this, we are going to be looking to purchase a home, and when a lender spots all those hard inquires they are going to frown on that and it is going to hurt the interest rates they had run both our reports could you please help us Thank You!
I have been monitoring my credit for a while now. Some time ago, I noticed a collection regarding XXXX XXXX ( then reported by a debt collector called XX/XX/XXXX ) that was reported as owed by me, in error. I disputed it as such and it was deleted. 
Now, I come to see that in XX/XX/2018, AFNI started reporting the same debt ( still shouldnt exist ) for XXXX XXXX. What is the point of working to get erroneous collections removed if new companies are just going to start reporting them the second another is fixed? If it wasnt legitimate then, it isnt legitimate now. I did explain this in a dispute to AFNI via XXXX ; AFNI apparently verified their information reported to XX/XX/XXXX was accurate. I do not see the account as even so much as being reported disputed by AFNI. I have made two other disputes without any result.
Contacted Bank of America multiple times to try and adjust interest rate and payment on credit card bill to finical hardship. Each time I was tossed around and never given a straight answer. Immediately after finally deciding to just close the card I was charged {$45.00} in interest more than I had ever been charged before and I was denied the ability to use my {$15.00} earned credit card points. Bank of America has constantly denied me any assistance. I have requested it multiple times and they deny me for any reason.
I have several issues on my credit report I am trying to get removed. I have XXXX alleged debts that have been reported on my credit report for about XXXX years. Both of these debts are debts I did not make, do not owe, and want off my credit report. The problem is, how do you show proof that you do n't owe a debt. I do n't have documents that say debt X is XXXX I did not make on XXXX XXXX, 2010. XXXX of these alleged debts is from a cell carrier. I paid and closed the account. About XXXX months later I received a bill for XXXX months of service after I had paid and closed the account. Another is from my previous auto insurance. They paid me on an insurance claim and then some months later sent me a bill and claimed they paid me a XXXX and change too much and were demanding payment or they would send me to a collection. I do n't owe them anything. They paid me what was owed. I 've attempted to dispute both of these with Experian and they refuse due to it being a " frivolous '' dispute. I have to send them supporting documentation stating I did not make these debts or they do n't belong to me before they will consider proceeding with a dispute. I 'm puzzled as to what to do at this point.
I 've received phone calls from am unknown number and then they started calling from a bunch of random numbers : XXXX, XXXX. The unknown number said that they are going to serve me with papers unless I call this XXXX number and make a payment. I have no idea what they 're talking about.
eviction statement on my credit tried disputing asking for valid proof or some sort of documentation to confirm this was an account that belonged to me back in  XXXX   XXXX  no documents received also went through collection  XXXX  to have information dispute still remains active on my account after 7 years per my credit report this have been on it since  XXXX  of  XXXX .    * Capstone Credit Ser vices #  XXXX  ( this is the name of the creditor. )
I received a overnight XXXX letter from company Atlantic credit finance XXXX XXXX XXXX VA XXXX XXXX we received a letter stating this was in Pre-legal notification to contact them to make arrangements with a payment plan of XXXX bi weekly by XX/XX/2019 or they will forward this to an attorney for litigation. Please keep in mind we have never received a ( 1st notice ) Letter ) this was the 1st letter that was ever received. I contacted this agency and wanted to honor what they had in writing for a payment arrangement, I spoke to two representatives by the name of XXXX and XXXX both advised me they could not honor what was in writing without a down payment of a percentage down? I advised them both this was not was was in writing and all we would like to to due to our financial status that I could afford. Both refused to honor what was received in writing. I have kept this correspondence along they both advised me that the call was being monitored and both did not give me the full mini Miranda. I will still mail in what the correspondence I received to show my good intent while there poor practices along with taking advantage of me as a consumer by misleading me to contact them with arrangements they offered me in writing and would not accept.
I was young and in the military when I was taken advantage of when buying a car. Navy Federal Credit Union gave me a loan that was more than the car was worth. The dealership and the banking institution was working together to get over on me. Now when I try to get rid of the car, the banking institution wont let me they said it will have to be a voluntary repossession. So now my credit is shot and I 'm struggling to get my credit right and having a hard time with a car that have should of been paid off. I been asking the bank to work with me because I had to put monies into the car to repair the engine and electrical work done. I even asked about the civil service act but they said I 'm not qualified. I feel as though I have been worked over by the banking institution and the dealership. My interest rate has n't went down since I first brought the car and it was at 15.69 % and I feel that is way to high.
Its been over 7 days and I still dont have access to my money or direct deposit which posted on Thursday XX/XX/XXXX. No customer service and no expected time when or if I will get my money.
My wife and I own a rental property and our current first mortgage was sold from XXXX to Ditech. We have not received any statements or an account number. We have tried to contact Ditech at their customer service number XXXX. We are able to use the automated repsonse system to obtain balance information, but it does not provide an account number. We when select the system prompt to transfer to a representative, the voice response system transfers us to a mailbox that is full. We are unable to get in a contact with a person. Our mortgage payment is 16 days past due and we are unable to willingfully make a payment. We also did not receive any information from XXXX or Ditech regarding the transfer of mortgage servicing rights.
A relative used my social security number when checking in to a hospital. He did not have any identification of mine, he just knew my social security number. I have tried to get any documentation from the collection agency proving the medical bill belongs to me and explained that a relative had stole my identity. They have refused to provide any documentation.
On XX/XX/2018, I transferred my XXXX XXXX points to my wife 's XXXX account. My wife is the authorized user of two of my Amex cards. This transfer went through. Then I tried to transfer XXXX XXXX points to my own XXXX account, and the system said " it can not be completed because I'm selling points to other people ... ''. I tried the transfer again, the system said my XXXX account is now under review. Called immediately and the rep told me the review will take 6-8 weeks.

This is really unacceptable, since it was Amex 's customer representative who taught me that I can transfer my points to authorized user 's airline account! Now I did what Amex suggested and they think I'm selling points, to my wife who has my family name and live with me under the same address. This practice is really deceitful and underhanded on Amex 's part, and I shouldn't wait for 6-8 weeks and watch the reward air ticket seats for our third wedding anniversary 's trip gone during the period!
I filled for bankruptcy in 2008. After negotiating with my creditors we were able to come to an agreement and I paid my creditors and requested the bankruptcy to be dismissed. After 7 years I requested to Equifax to remove the bankruptcy and they refused stating its there company policy to leave it on my credit report for 10 years. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. When I spoke to Equifax they stated there following the law of the FCRA with regard to the 10 year policy, I have read the FCRA section 1681c and I can not find anything in any of the sections or subsections regarding dismissed bankruptcy being reported for 10 years.
On XXXX XXXX, 2017, I made two purchases to XXXX for services in XXXX, XXXX. One was for {$81.00} and the other for {$94.00}. One was a day trip to XXXX, XXXX, XXXX XXXX XXXX with lunch, the other for Airport shuttle to and from XXXX XXXX at {$44.00} a transfer and before XXXX percent off XXXX, online discount. XXXX XXXX, 2017 came around and driver and tour guide at XXXX saw me using a cane and said they did not feel I could walk the 800 steps at the XXXX XXXX. I watched the youtube video a couple months prior to learn there were 400 challenging steps and a lift. The driver said there are now 800. Driver made tour unavailable. and would not do a refund for the XXXX XXXX. I asked XXXX twice to dispute with XXXX in XXXX who claimed that I " resignated '' and they will not do refund. I shared this with Bank of America on XXXX/XXXX/2017 who said no one has to give refunds unless I did not do a portion of the tour, that it was their word against mine in XXXX, and that the topic is not up for discussion any further, that Bank of America will document that the Company said " no refund. '' The rep from bank of America was curt and rude. I waited two hours for a call back and she was nameless and treated me like I am a pain in the XXXX and stupid. I told her I will file a claim with my travel insurance. She said good and bye bye. I 'm tired of getting no where with Bank of America. I 'm thinking about leaving their Bank again because the reps get younger, move too fast, and claim there is not much they can do just to go with a credit union. I was treated horribly. Not only am I placed on hold for complaining and XXXX there reps off at the Bank. But, I 'm not getting any refunds. Being told the case is closed. They keep sending me rejection letters as if I would try again to reopen any case. Also, the Bank is forcing me to pay extra for travel insurance. They do n't work to protect my money and are not on my side. They get testy and rude.
please please please can yall make these bureaus obey the law. when Equifax had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
On XX/XX/XXXX I noticed that an account linked to my phone had several mobile deposits. The account is for my daughter, but she was a minor when the account was set in motion, she is now a grown. I questioned my child an told her that she needed to contact the bank because of a fraudulent activity. However, I went to the bank ( Capital One ) and from there was notified that a scam had a occurred. The first deposit was on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX.I spoke to the fraud department on XX/XX/XXXX and was told they will open up an investigation and needed to gather more information from my daughter. Since then on XX/XX/XXXX the bank have locked my account ( me and spouse account ). All funds coming in the account can not be touched. My husband deposits are being withheld and he have nothing to do with any of this. I understand their saying that I 'm on the account as well so I 'm responsible, but I did n't have anything to do with this occurrence and I 'm the one who reported it. My daughter agrees that she is responsible for what happen. Is there anyway that she can sign something holding her only responsible and not myself or my spouse? Seriously it is a sad situation when the good have to suffer for other people actions. Since, I been with Capital One my banking relationship with them have been great, no problems at all even when they had mess ups I continued with them. I have bills that will not be paid because of this problem. Can you please offer some assistance please!!!!!!
Request were sent for debt validation and licensure to collect in Tennessee on XXXX XXXX. Verification of delivery on XXXX XXXX. No response has been received. The debt stated on my credit report is for {$1000.00}
I bought XXXX Mastercard gift cards from XXXX. These Gift Cards are issued by US Bank. When I went to use them I found that money had been drained form them. I contacted US Bank and they asked to fax in information such as a copy of the card and the sales receipts. They said someone will contact me within 24-48 hours. After two weeks no one contacted me. So I called them and then they said that no one was supposed to contact me and now they will file a dispute and I need to send in more faxes. Everytime I call they give me different information. They are just giving me the run around and holding my money hostage
In XX/XX/2018, my XXXX XXXX credit card was charged approximately {$12.00}. On XX/XX/XXXX, I noticed the charged because I received a statement that I was not expecting and I contacted XXXX XXXX to report and dispute the charge. I also contacted XXXX XXXX who could not identify what the charge was for. Because I did not make any purchases with my XXXX XXXX card in XXXX, I assumed this to be an unauthorized charge that would be refunded. 

When I received the next statement, I noticed that the issue had not been resolved, XXXX XXXX   was charging late fees and reporting delinquency to the credit agencies. I called XXXX to check the status of the dispute and resolve the issue. This resulted in several phone calls back and forth between XXXX XXXX and XXXX XXXX. 

In summary, XXXX XXXX  demanded that I pay the disputed amount in order to stop the negative reporting to the credit agencies. They assured me that the money would be refunded if the situation was resolved. 

XXXX XXXX eventually identified the charge as a back-ordered item from a purchase made in XXXX, which was paid in full after I received the statement of the purchase. In addition, I never received the item that was on back-order. On XX/XX/2018, the XXXX XXXX representative told me that they would refund the charge and to expect the credit within 3 business days. 

When I called XXXX XXXX a week later, the XXXX agent told me that it would take 30 days for the credit to appear. 


XXXX XXXX has not issued the refund/credit and XXXX XXXX continues to harass me for payment, threatening me with further action, claiming that I have not responded to them and reporting delinquency to the credit agencies. I am at a loss for how to resolve this situation. 

Thank you for your assistance, XXXX XXXX
I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Transunion : Unauthorized Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry :  XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX : Unauthorized Inquiries XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
On XX/XX/2018, I sent a request for verification of late payments being reported on my credit report. On XX/XX/2018, they sent back a letter saying that they verified the account as accurate BUT did not sent any verification documents. They also did not mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
Since the beginning of this year, I have fought tooth and nail in trying to correct items on my credit report with Transunion. The wrong address are still being reported, the wrong employer as well as inquiries. In additional to the XXXX XXXX XXXX, I became a victim of fraud in the worst possible way. Late fees have appeared on my credit report, credit cards that I did not approve - XXXX XXXX, high credit card balances due to fraud have all shown on my credit report. These issues has been dealt with, with each creditor, but has yet to my removed from my credit report.
I checked my credit report and NCC Business Services was on it. I have never done business with this company. They never sent a notice of right to dispute. I sent them a certified letter advising them that they never sent a dispute letter. My 1st letter is dated XX/XX/2016. They sent the dispute letter dated XX/XX/2016, after I told them they never sent a dispute letter. I then sent another letter dated XX/XX/2016 in response to their XX/XX/2016 letter. Please see the attached documents. 
PLEASE HELP I AM A XXXX THIS IS XXXX!
In XX/XX/XXXX, I was affected by Hurricane Irma. I lost power and food. I immediately contacted Mr. Cooper ( mortage Company ) and was advised I would be placed in a three month forbearance program and because I was affected by the storm, I would definitely qualify for a modification. I was even advised I would not be penalized if I was unable to make the payments. I called every week, sometimes two to three times a week. I spoke with my loan specialist maybe three times. Each time I told my file was pending. Sometime in XXXX I received notice that I was denied because I had a modification less than 24 months ago. However, representatives assured me I would be approved because It was a different modification. I was shocked that I received so many different responses from the same company. I am now paying my mortgage before the 90th day every month to avoid foreclosure. Now I am receiving demand letters and certified mail every month, which has taken a toll on me and my daughters who are all in college. Mr. Cooper now tells me I owe over 6000.00 due to escrow and taxes that havent been applied due to my missed payments. I feel as though they are trying to take my home. I was initially told that if I stayed with the 90 days and paid one payment until I could catch up, I would not be in danger of foreclosure. Now, I am told I am in danger of foreclosure and I must pay my mortgage to current. This is devastating and has been a nightmare since XX/XX/XXXX. Please help!
This company has repeatedly sent me a contract that does not have my actual signature on it. They have sent me the SAME DOCUMENTS TWICE, and they're not even what is required under the FCRA and FDCPA. Rent Recovery Solutions has not even sent me an original contract bearing my signature showing that I am indebted to THEM. I do not owe this company ANYTHING, and unless they show me a signed contract between myself and them AS REQUIRED BY LAW, I DEMAND they delete this account from all credit bureaus reporting it!
I applied for a car loan through XXXX bank. I was denied because my XXXX XXXX credit score was too low, however my score with the 3 MAJOR credit bureaus is 250 points higher than that reported by XXXX. In order to get a copy of my credit report from XXXX, they want me to send in copies of very personal documents which I am not comfortable sending to them. I believe it is just another way for them to gather my personal information in a highly illegal manner. I want all of my personal information held at XXXX to be immediately and permanently deleted.