WillisBack/dataset-financial-user-claim huggingface dataset:
I was applying for an American Express Gold card so that I could purchase presale tickets. I told the agent I only wanted the card if it could be issued before the presale date. He assured me the card would be expedited so that I would have it within 2 business days. Based on this information I applied for the card and was approved. After it was approved, the agent told me that in fact the card would take XXXX to 10 business days to be issued. I spoke with a supervisor and explained that I was given false information in order to apply for the card, but was told there was nothing they could do about it. Further, they told me that the Gold card can not ever be expedited, which means the agent knowingly gave me false information in order to get me to apply for the card. After spending an hour talking to customer service, all they would do was try to get me to submit another application for a Platinum card. They do n't seem to care that their agent gave someone false information to get them to apply for the card. All they care about is that I now want to cancel the card. The credit inquiry is now on my credit report and I now have a credit card that I do n't want.
I had a care credit card for dental service in XXXX. I signed up on XXXX/XXXX/XXXX for a total payment {$1700.00} an agreement to pay {$160.00} for 12 months ( no interest within the Promotion Period ) .with G.E. Capital. It is auto-pay from my Bank checking account. Everything was all set. I did received G. E. Capital 's payment confirmation regarding the transaction was done. Until last month I found out one transaction was n't recognized. it charged me monthly {$57.00} from Synchrony Bank. ( they take over G.E. Capital ). so they did keeping on charging me monthly since XXXX for 4 years. It is over {$2500.00}. when I stop payment on XXXX XXXX. They delinquent my account and place a collection agent. now they demand {$3000.00}. to settlement. I thought it is scam. It 's unfair. Please help me. 
XXXX ( XXXX ) XXXX or XXXX.
I found out recently that someone, clearly someone pulling something fraudulent, had XXXX pull a HARD credit against my name and SSN. I was and am furious that someone did this as this caused my credit score to decrease. It is appalling that XXXX did not contact me at my mailing address or landline phone to see if this request for services from them in MY NAME with MY SSSN was legit. 

The date of the HARD credit inquiry was XXXX/XXXX/XXXX. 

Per TransUnion I rang XXXX and it was a total fiasco. They told me to go ONLY in person to XXXX. XXXX in person said that they could do NOTHING and that the credit bureau has to dispute/remove the hard credit search. 

I DO NOT HAVE time to deal with this so I need this HARD credit inquiry to be scrubbed from ALL of the credit reporting agencies.
I called XXXX XXXX they are reporting a wrong address and refuse to change it!!! I lived at XXXX XXXX in XXXX XXXX! I moved out because of XXXX heads moving in the pool area and left! I gave permission for XXXX XXXX to empty the apartment with a signed letter he gave his personal forwarding address and now XXXX XXXX   reports this address as mine!!! I called on numerous occasions to fix and they refuse to help last call was XX/XX/XXXX. All I gave XXXX permission to do was empty the apartment and that's it and XXXX XXXX permission to let him that's it not give a false address!
I received a notice in the mail on XXXX from Convergent Outsourcing , Inc. stating I owed a debt to XXXX. On my credit report from all three major credit reporting companies that I had an account opened with XXXX in XXXX of XXXX. 
I sent a letter via certified mail to Convergent Outsourcing, Inc. on XXXX requesting verification of the debt owed. They mailed me documentation on XXXX indicating an account from XXXX had a remaining balance. However, in California, I understand the statute of limitations on debt collection is only 5 years? 
I am confused as to what my next step would be and how to get the negative information removed from my credit report as it is inaccurate. So it 's not exactly that they are trying to collect the wrong amount, but it is that non should be owed because the debt is from 6 years ago. 
Please provide some assistance. Is this illegal and aggressive debt collecting or am I misinterpreting the situation. The fact that they purchased and opened this debt in XXXX and reported it to the credit reporting agencies as an unpaid account opened with XXXX before I had received any communications about the debt or had any chance to dispute it seems unsettling. 
Thanks. 
XXXX
I settled the amount on XX/XX/XXXX with the collection agency XXXX XXXX XXXX.  They never reported to the credit agencies as the stated they would in the letter thanking me for resolving this issue dated XX/XX/XXXX. They said that I would have to contact XXXX XXXX   myself. I did. XXXX sent me a letter dated XX/XX/XXXX stating that XXXX needs to change contact credit agencies. Nobody wants to take responsibility and do the right thing by simply reporting this settled account!
I paid XXXX XXXX and XXXX XXXX to XXXX balance, and all credit reporting agencies are not reporting that I paid these accounts to XXXX.
AES claims that I owe them an amount ( and will not disclose if this amount is the final amount or if I will owe more in the future ) on my private loan consolidated in XXXX through XXXX XXXX now XXXX. AES claimed I refinanced not consolidated in full, so I owe them money. I have paper work showing they were consolidated in full and emailed these documents to AES. They never replied but continued to harass me with phone calls after I asked them to stop, and ruining both my credit and my co-signer 's credit. Neither company upon request will contact the other on my behalf. This has been going on for over a year. I make a monthly payment of $ XXXX to XXXX every month. I feel that I am being responsible for paying my student loan on time. My private loan to XXXX is over {$25000.00}. AES wants amounts of {$290.00}, {$130.00}, {$270.00}, and {$170.00}. They tried to collect with a lawyer and I contested asking for proof. All I received were the original loan documents not any paper work on the consolidation or so called refinancing. All the paperwork AES sent states that the last day of payment was XX/XX/XXXX. XXXX is when I consolidated my loan with XXXX/XXXX XXXX. The original principal balance of the consolidation loan I took out through XXXX XXXX was {$32000.00} and the paper work says paid in full. The loans paid in full were through XXXX XXXX/XXXX XXXX XXXXXXXX. One at {$8000.00} in XXXX, {$3500.00} in XXXX, {$8000.00} in XXXX, and finally {$5000.00} in XXXX. I have tried several means of communication and I give up. My next move will be to find representation if this is not settled in my favor. I received a letter from AESnon XX/XX/XXXX, stating they received a directive from my lender to delete trade lines assoc with my loans issued by NCT. I thought the worst was over. However, my husband and I are trying to get a mortgage through our credit union but my score is too low. I called AES and they said their accounts show me as defaulted and they have turned the matter over to NCT. AES claimed no knowledge of my letter from AES ( on official letterhead stationary with all my account numbers ). Meanwhile non of these companies will contact each other and I am being abused. Please help. Thank you for your time.
My card was stolen in XXXX. I called Bank of America. I was promised a refund for funds taken out of my account fraudulently without my consent. My account is now overdrawn {$330.00} for charges that I never made and never consented to. I demand for Bank of America to do as they promised and refund the money and credit my account.
Reference Bureau of Consumer Financial Protection # XXXX : XXXX Bank ALSO INCLUDED BANK OF AMERICA ; I was assured by Bank Of America my credit card would be Credited back to my account : On XXXX XXXX, 2016, I received a form letter from Bank of America that was not the case ; my account would not be credited ... there is no signed recipe ... I NEVER used the card..the letter stated because it was used the chip was read ... no credit issued???? 
XXXX I HAD NO KNOWLEDGE OF MY BANK OF AMERICA CREDIT CARD WAS USED OR WHY.??? UNTIL I PULLED DOCUMENTS TO SEND COPIES TO CONSUMER FINANCIAL PROTECTION BUREAU.
I previously made a complaint with CFPB and got the response back that it would be removed. This account is now on my credit report twice now. It 's dropping my score.
Equifax allowed my and other 's data to be stolen, and then charges me to freeze my account. FREEZING and THAWING should be free.
Nelnet is servicing my loan. The loan was guaranteed by a private bank but now Nelnet owns is. Total loan was {$8000.00} at 6.8 percent interest. I am now looking at {$15000.00} owed after paying them {$130.00} a month and without any statements or fee explanations. Because they are regulated by the Dept of Education they are not allowed to refund XXXX of the interest or fees. I spoke to the guarantor and they said they would be able to refund interest and fees if the loan was still in their name. Nelnet is corrupt. There should be some consumer law that if they threaten to garnish my wages they should be showing me what they are garnishing my wages for.
I called XXXX XXXX XXXX ( XXXX card ) on XX/XX/2018 and XX/XX/2018 for a credit increase both times I told the representative not to run my credit report. However I received notification from the credit reporting bureau that I have a hard inquiry. I clearly told the reps not to run my credit. I called XXXX and was advised that they did not run my credit report but this is not true I have 2 hard inquiries.

This is a fraudulent business practices. They also stated the calls are recorded so they can be pulled
This debt is not mine. I 've been disputing this since it was with Springleaf in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
I received a call from number XXXX. I answered the call and the automated voice said if I was who I was to press one. I pressed one and was connected to a person who asked if I was someone named XXXX XXXX or XXXX, I could n't tell. I gave them my correct address and they pulled up my file and stated theyre were esser, james, and associates and that they were giving notice that I was going to be sued for credit card fraud. I asked why and they stated that I had a XXXX chevy Malibu and a chevy equinox, as well as a mortgage in my name and said I 'm able to repay the debt and have not. I told them I have none of these things and want to dispute. They told me they were unable to dispute and were going to sue me no matter what unless I arranged payment. They said they would put a lien on the house and vehicles. I told them I could n't pay and told them these were not mine. I told them the vehicles my husband and I have as well as the amount of credit cards. They said it did not matter and there was nothing I could do. I agreed to pay, even though I know I could n't pay because I was terrified. After the call, I called a debt collector I 'm currently making payments to ask them if that sounded right. They looked up the information these people gave me and found that they are confusing my mother and me, which is what I thought and I told the company. My mother is XXXX XXXX and I 'm XXXX XXXX. if they would have looked that the birthday they would see those things are associated with a woman born on XX/XX/XXXX not myself born XX/XX/XXXX. In essence, esser, james, and associates are threatening to put a lien and sue me for my parents house and vehicles, which I am not involved in nor are they co-signed on any of my loans or cards. Once I realized something was not right I did research and found multiple reviews on this company that they have done the same thing to others as they did me. Now I 'm getting emails, which I will attach, every day telling me to sign a document, which I am not doing until I get ahold of the original debt holder and tell them about this as well as ask for verification because I feel the 3 payments of XXXX dollars they requested is n't even the correct amount owed.
I previously filed a claim  - Complaint  ID  XXXX   XXXX / XXXX / XXXX . My explanation was presented by the company with much distortion. I have repeatedly asked for a copy of Gov't payments to my account -- '' If your new monthly payment isnt large enough to pay the accruing interest on subsidized portion of your direct loan, the Federal government will pay it for you for a period of up to but no more tha n three consecutive years once you begin your Income  Based Repayment program. This is  XXXX  of the many forgiveness aspects  that Federal Student Loans offer. '' This has not occurr ed ... I am on t he Income Bas ed Repayment plan and my loans are increasing tremendously ... I am now owing  XXXX  figures ...     I do not understand how the loan supposed to be paid of in 25 years ... I will be owing over  1 million dol lars. Please escalate this complaint to legal office and/or provide me names of attorneys and or an agency above cfpb. " If over the lifetime of this loan, you make  300 q ualified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legall y discharged. ''  How will this loan ever get paid off under this plan. I am paying my interest but it is increasing at an accelerated rate.        Plan in cludes a 20 year forgiveness for new borrowers that took their loans out after  XXXX   XXXX   XXXX , or 25 years if the loans were taken before that date. The lifetime of an Income Bas ed Repayment Loan i s considered to be no more than 25 years. If over the lifetime of this loan, you m ake 300 qua lified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legally  discharged. However, this discharged a mount is considered taxable and must be paid for the year it was forgiven ; i.e . a loan discharged  in  XXXX  must be paid with other  XXXX   Income Taxe s due in  XXXX .   -- -- -- -- -- - Issues include : Estimated Interest Daily Interest Outstanding Principal Balance -- tremendous increase.     -- -- - I do not want to have my loans serviced under  Nelnet. I f eel as though it is too much fraud and no-one is trying to resolve my issue. Please escalate my issue to the agency above the cfpb and/or a contact person at the  Office of Inspector General. I will file a complaint their next. My account ne eds to be reconciled and properly handled. There are too many complaints regarding  XXXX  on the WEB. Please do an audit on my account.
My firs experience with Experian was the Annual Credit Report XXXX XXXX/XXXX/XXXX. XXXX and XXXX have Data showing the First Delinquency in XXXX of 2008, they also show this data on XXXX and XX/XX/XXXX.There is no data shown in Credit Reports from Experian on XXXX, XXXX XXXX or XXXX XX/XX/XXXX A Clear Violation of The FCRA with requires data be removed XXXX years after 1st Delinquency in the case which would have been XX/XX/XXXX Green Tree subsequently bought the XXXX XXXX portfolios XXXX and knew the data was flawed and should have been removed.
Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.

In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above companies.
Our XXXX Mortgage XXXX primary ) was paid in full when we sold our home in IL in XXXX. We have the settlement letter from XXXX Bank for our primary mortgage and XXXX shows it closed and paid in full but TransUnion still shows it open - no late payments as wel as no payments since XXXX which makes no sense!
I sold a XXXX XXXX XXXX XXXX ( missing crown ) on XXXX XXXX, on XXXX and the payment was made through PayPal for {$400.00}, the watch it was delivered to the buyer but the buyer it was not satisfied with the purchase so he Ofer {$200.00} for the watch, I did not accept and asked the buyer to return the watch for a full refund he went and open a case with XXXX, and PayPal put a hold on my account for {$400.00},., but the buyer never return the watch the buyer return a enty envelope then I contact XXXX and XXXX resolve the case in my favor ( seller ) Then the buyer Open a case with PayPal.,  PayPal request the buyer to send the watch back and this time the buyer sent a damage XXXX XXXX ( wrong watch ) and PayPal resolute on favor of the buyer., then I contact PayPal and the FBI internet crime Unit and I sent all documents and pictures., as of today XX/XX/XXXX I am with out watch, money my account on hold plus I have to pay PayPal {$400.00} please Investigate and help me resolve
I previously made a complaint through this website onXX/XX/XXXX/2017.  The company responded that they closed the account and would adjust my statement to reflect I had no available credit balance. To date they have not adjusted my statement - which still reflects an available credit of {$2400.00}. I believe 3 billing cycles is more then enough time to close the account and adjust my statement reflect properly reflect this closure. Either the account is closed - or it is not. I would like Santander to say one way or another and stand behind that decision.
I am having an issue with the personal credit reporting agency Equifax. My credit was obtained out of fraud and i had 7 hard inquiries on my credit without my knowledge. The dates and companies are XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have had no issue disputing these fraudulent inquires with XXXX  or XXXX. All i get back from Equifax is that they say it is a factual record. It cant be a factual record when i have not signed any authorization for any one of these lenders to obtain my credit falsely. None of these lenders can prove i signed any intent for credit with them and Equifax is failing to do its job to protect the consumer, which in this case is me.
I have two issues with Capital one. About a year and a half ago I had a hardship. I was a couple months behind on my payment. I have since got caught up. I have not missed a payment in over a year nor been late. This company promised to remove the late payments made two times on a recorded call. They did not honor their word. I called yesterday and requested an extinction do to hurricane XXXX. They were questioning me about what happened. I told them I am okay I did n't loose my house, although I have n't received my paycheck do to power outages and banks being down. I asked them to XXXX me until next week. The supervisor did n't care. He said NO sorry you have to pay your bill by XXXX/XXXX/XXXX. I do not feel either is correct. I have disputed the late payments with all major credit bureaus two times. I explained that to this supervisor. He said we do not do courtesy reporting as it is illegal. I explained to him the other two supervisors should n't have stated that as that is illegal to tell someone you will do something in regards to a hardship then go back on your word as that is discriminating. They are also charging me two interest fees, one for cash advance, and one for regular credit. I do not know if that is correct although I do pay my bills. They said I will continue to pay an extra interest on that cash advance until the card is completely paid off, I did the cash advance in XXXX. Please keep in mind I have n't missed a payment since my hardship. 

Best Regards, XXXX XXXX XXXX XXXX
XXXX, my account representative at ACR continues to call my work number to get a hold of me even though I gave him my personal phone number. One of the coworkers was instructed by my manager to tell him to stop calling the company and he responded with " I will continue to call, today, the next day and the next day '' My manager called him and explained to him that he needs to stop calling and he responded with saying that he wo n't stop and that I should be fired for having collectors call my job and that he would not allow employees to get personal calls at work and that I must be a terrible employee who needs to get fired.

I, my manager and coworkers have already let him know he can not call my work as he does have other ways of reaching me such as phone and email.
I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact 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. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XXXX   XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies