WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I cancelled my XXXX  account and requested a final billing statement. On XX/XX/XXXX, I received a final billing statement for {$140.00}. I made three partial payments : {$40.00} on XX/XX/XXXX ; {$50.00} on XX/XX/XXXX ; and {$50.00} on XX/XX/XXXX which paid the outstanding balance in full. I received no interim or further communications from XXXX. 

On XX/XX/XXXX, I logged back onto my online account and noticed a charge for {$30.00}, but there was no explanation for the charge. I immediately paid the balance, even though I had no idea what the charge was for or why I " owed '' it. All of the equipment that we rented or used was immediately returned to XXXX upon the termination of the contract in XX/XX/XXXX. 

In XX/XX/XXXX, I became aware of a collection debt on my credit report relating to a {$50.00} outstanding debt owed to XXXX/XXXX. The debt was immediately disputed with all 3 credit bureaus and the collection agency ( Diversified Consultants ) and I provided proof of the XX/XX/XXXX bill along with my proofs of payment as well as the additional {$30.00}. As of this writing, Diversified Consultants refuse to remove the debt or provide me with an itemized billing statement explaining the additional {$30.00} and {$50.00} charges. 

I am still able to log into my XXXX account. There are no bills issued after XX/XX/XXXX. The final " bill '' I received on XX/XX/XXXX was simply an email stating that I owed {$140.00}. I have not received any communications ( electronic or written ) that I owed any additional monies other than the initial {$140.00}.
Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit.

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name
I paid my account in full on the due date with my debit card, yet I was charged late fees for months after the debt was paid in full, plus interest on the fees. The payment due date was XX/XX/2018 and I made the payment on XX/XX/2018 and was charged a late fee on the due date of XX/XX/2018. As a result they have ruined my credit because they reported late payment on the fees and interest charged even though my account was paid in full on the due date to all three credit bureaus. Furthermore, I am XXXX XXXX XXXX   and the hours I have spent trying to get this resolved has caused significant stress/anxiety. I am also requesting that XXXX XXXX not contact me via telephone and to communicate via mail only.
On or around XX/XX/XXXX I called XXXX XXXX XXXX XXXX regarding a old collection that had been brought to my attention. It was at that time they cross referenced my ex-husband 's name and advised me that they were going to add me on to a collection account that had been placed in his name. I advised them that we were not legally married at the time he obtaining that debt. Soon after they not only filed a lawsuit against me in the amount of {$17000.00} plus interest and legal fees, but also placed the growing amount on my credit report on a monthly basis. I advised them several times that the documents they were provided with by the original creditor were incorrect. I notified them by phone and in writing that the debt was invalid and they refused to withdraw the suit or remove the report. I did not have a contract with the original creditor for the disputed amount and do not have a contract with XXXX XXXX XXXX XXXX. The two documents my attorney was provided was an incomplete request for enrollment which did not list a financial amount due to the fact that I did not at full tuition, but was granted a reduced tuition which was paid in full, and an inaccurate and outdated ledger. XXXX XXXX XXXX XXXX accepted this debt with insufficient information and are working it on contingency, where they stand to benefit financially. I also believe the attorney working this suit is also working on a contingency basis which poses a conflict of interest in ignoring my previous disputes. I have since hired an attorney and he also advised them the debt was not valid and instructed them to remove it from my credit report. XX/XX/XXXX the amount increased again and was categorized as a Bankruptcy on my three credit reports. The inaccurate reporting occurred during escrow and disqualified me from obtaining a mortgage to which I was in contract for. XX/XX/XXXX they reported an " Inquiry for an installment loan '' further damaging my credit. 

Please note that the original creditor XXXX XXXX XXXX XXXX XXXX is currently the defendant in several other suits involving tuition disputes following an administration change. Furthermore, the entity that entered into a contingent collection agreement with XXXX XXXX XXXX XXXX is NOT the entity that was in existence at the time my children were enrolled and I was granted a reduced tuition rate and they have failed to prove otherwise as no such documents exist.
I had been trying to refinance my home with Bank of America ( who holds my current mortgage ). I initially contacted them in XX/XX/XXXX when I needed my house re-roofed. I was told to get the work completed before continuing with the refinancing of the mortgage. After the work was completed, I contacted B of A to continue the process. I was told ( on the phone ) on XXXX XXXX 2017, that I would need to provide a credit card number so Bank of America could charge my card after the appraisal of the home had been done. I was assured ( on the phone by XXXX XXXX ) the charge would not be made until after the appraisal had been completed. I spent many hours during the next two weeks providing numerous pieces of documentation. On XX/XX/XXXX, XXXX XXXX ( the rep I had been working with ) told me we had only a couple more days to complete the process of my submitting documentation and that he would not be in the office for the next couple days. He asked me to email him asking for a couple extra days just in case the documents did not get filed. ( I had never been previously made aware that we were on any kind of timeline. ) I emailed him that request. XXXX instructed me to work personally with XXXX XXXX. There were only two more pieces of information that needed to be submitted. The following morning, I had both pieces of information faxed to the number XXXX had requested I use. XXXX emailed me and said only one of the two faxes could be found. Friday morning I had my life insurance rep ( who needed to provide one of the documents ) again send the fax he had sent the previous day. I had him send it to XXXX XXXX 's work fax number - assuming it was easier for XXXX to locate. Later that day when I got home from work, I saw an email from XXXX asking that the fax be sent to yet another fax number. I was not going to ask my insurance rep to fax the document a third time. 
Throughout this entire process, there had been many times when I 'd provide information - only to be told later it had to come directly from another source - or the other source provided documentation, and I was then instructed it had to come directly from me. I had become increasingly frustrated and felt as if I was deliberately being misled. On Sunday night ( XX/XX/XXXX ), I emailed XXXX XXXX and explained how things had played out with XXXX and that I was unhappy that our time had apparently " run out. '' I received no response from him. Today, I checked my credit card activity, and I saw that my card had been charged for the appraisal fee on XX/XX/XXXX. I verified that with my credit card company. The person I talked with gave me the Bank of America phone number I would need so I could discuss the matter. I called at approximately XXXX XXXX. I talked to an associate and explained the situation, and my call was transferred. I then heard an automated voice tell me to, " Please hold. '' That same voice then told me there was no answer and that the call would be disconnected. And it was. I am now out {$520.00} that was charged to my credit card for an appraisal that was never done - and apparently I am unable to talk to anyone at Bank of America or get them to respond to my email.
Williams and Fudge out of XXXX XXXX, SC keeps calling me about a student loan that I have never had. Yes I went to college, but I paid for all my classes with cash, no loans.
This car loan was taken out without my permission. I have not idea who took out the loan. Where the car is > found out that this car loan was showing up on my credit. I took out a police report, sent a letter and a copy of the police report to the company. This is not my loan. I have also retained legal counsel to assist me this problem. This company needs to take this loan off my credit reports.
I received a response from the collection agency that they have ceased making contact with me but I just received another call. These egregious collection efforts for invalidated/paid debt need to stop. Otherwise I will seek punitive damages!!!!
We paid a monthly mortgage on line on XXXX/XXXX/16 but did not receive a confirmation number, so the next day XXXX/XXXX/16 we looked on line at the bank statement and did not see it as pending so we went on line to the mortgage company again a did the payment and this time got a confirmation number. The next day we looked on the online bank statement and saw two payments for the mortgage one paid and one pending. We then called the mortgage company telling of this error which made an overdraft in the checking account. They said to send them copies of the bank statement a the wire routing number for the bank and they would take care of it. Well the next day we did not see anything happening so we call Nation Star Mortgage again and they said they got the fax but could not read the bank statement page so instead of calling us they did nothing because they did not know which XXXX of the XXXX phone numbers to reach us at. So we refaxed the info again and after two more phone calls and 6 hours later they said they got all the info, but now it would take 10 to 14 business day to process the fund refund back into the checking account. We are being charged {$35.00} a day to the over draft. I understand it was our error for this but I do n't understand why it takes so long to as the mortgage company says to review the paper work and refund the money when it only takes 10 minutes to pull the money from our account to start with. Now they have our extra money and are making interest off it foe the 10 to 14 days but ca n't move any faster cause of this review process, which is only having A Person look over the paper work and then issue a credit refund calling it their policy. I believe their policy is only to make more money off of situation like this, and it need to be revised.
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, TransUnion, and XXXX. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
XXXX XXXX stated to me that I was committing fraud by not paying on this debt and that they are filing paperwork with the XXXX county courts. I do n't nor never did have the alleged account in question. They also disclosed my last XXXX digits of my Social Security Number to my parents and when I spoke to them they repeated it back to me again. There were told not to call myself and my parents house and the still did.
Calls my phone XXXX times a day, looking for someone that is n't me. They said they would stop calling and take phone # of list but they still call.
I have a conventional 30 year fixed rate loan with Chase. Not high risk. They refuse to cancel PMI at 80 % stating that I need to be at 75 % due to XXXX XXXX guidelines. The loan is from summer 2015. My understanding is the homeowners protection act overrides any lender 's requirements.
I disputed/filed a claim for a charge that took place on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$110.00}. I was charged twice for 'shuttle services to and from the resort on XX/XX/XXXX in the amount of {$110.00}. I called Navy Fed and disputed 1 of the charges as XXXX XXXX issued only 1 credit and not the 2nd credit. Navy federal took the claim and advised, that I would receive a provisional credit while the investigation is going on back XX/XX/XXXX. A credit was issued and then, I received a message from Navy Federal on XX/XX/XXXX stating a debit will take place for the {$110.00} on XX/XX/XXXX as documentation is needed to show proof that I paid another service for our shuttle. I replied with proof from my XXXX showing charges for a commuter to and from the resort and an email from the resort showing, I cancelled the shuttle service and was no longer in need of their service. After, I provided this proof I never heard anything else back from Navy Federal and they did not take the provisional credit back until XX/XX/XXXX. When, I called NFCU they told me the credit is being removed from my account because XXXX XXXX provided a credit back on XX/XX/XXXX which only took care of 1 charge but not for the 2nd charge of {$110.00} which is what I disputed with NFCU. I called and spoke with NFCU XX/XX/XXXX customer service supervisor XXXX and she stated, she will open a new claim and advise the claims department only 1 credit was given from XXXX XXXX and not 2 credits. I do not know how NFCU did not know only 1 credit was given. Instead, they debited {$110.00} without sending me another email stating this was to happen. If NFCU looks at my account, they will see 2 charges from XXXX XXXX for {$110.00} and 1 credit given to me from XXXX XXXX for {$110.00} and only 1 provisional credit given to me from NFCU. So, how could they assume XXXX XXXX gave me a credit for 2 charges in the amount of {$110.00}
I did not authorize these inquires that are on my Experian credit report and they refuse to give proof of them and will not delete them CRA 's must correct or remove inaccurate, incomplete or unverifiable information in their files. 
In accordance with the written instructions of the consumer to whom it relates. 

I recently reviewed my credit report and found unauthorized inquiries. 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. 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 promptly delete Thanking you in advance. I demand the following inquiries removed immediately. The following inquiries are unauthorized : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date :XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX
On XXXX XXXX, 2017, I learned that Equifax experienced a security breach resulting in the exposure of the personal and financial information of 143 million Americans. In addition, the free one year credit monitoring that they offer as a result contains an arbitration agreement disqualifying any victims that use the product from participating in class action lawsuits. Lastly, when I place a credit freeze on my Equifax credit report, the security pin that I receive is simply a time stamp of when I signed up, making it easy for my pin to be hacked. All of the above is unacceptable, especially given that Equifax uses our personal information without consent and without an option to opt out, and then uses our personal information as its product, on which it makes a profit.
I applied for the loan in XXXX 2013 because an emergency had come up and I needed cash quickly. I was given a loan of Approx {$3500.00} from Onemain Financial. The rep informed me at the time that it would be a 60 month loan and after all the payments were made I would have paid back {$14000.00}, to which I asked " I could pay off off early and not have to pay the extra interest right? '' and was informed by the rep that I could. I was not willing to pay $ XXXX in interest on a {$3500.00} loan and I voiced that and was assured that I could payoff the loan and not have to pay the extra interest. When I attempted to payoff the loan within a year of applying I was told that the balance was $ XXXX and all of my payments had been going to " interest '' ... I feel as though Onemain were very deceitful in their loan process and I was blindsided into agreeing to this loan that is wrong and illegal in so many ways.
HIPAA violation no knowledge inaccurate medical bill collection accounts on my Transunion credit report. FTC ID Theft Report # XXXX
For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from XXXX  and nothing is done I am legally XXXX and suffer severely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus
Credit Bureaus and collections company keep verifying and updating my account without sending proof of contract with signature.Im also complaining that I was not notified within five days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.
I contacted Navient about reducing my monthly payments because they were extremely high based on my income, which was the only income of the home. I heard about the income based loan/forgiveness for public service and decided to take that route to pay off my loans. I applied for the income based loan which gave a reduced monthly payment plan for specific jobs that could be paid off in 10 years of 120 payments, as a XXXX I qualified. I provided the necessary information on-line and was given a quote. The amount I was quoted was roughly {$210.00} a month for the next 10 years, however when I got my first statement the amount due was about {$100.00} more than the already extremely high monthly payments. Example : Initial Payment- {$570.00} Reduced Payment- {$670.00}. I then put the loans back in to deferment because I could n't afford the monthly payments. I have been in and out of deferment agreements because there is no alternative payment plan. 

In addition I have loans for XXXX colleges, XXXX College and XXXX College. I have only worked at XXXX as a XXXX and no relief has been offered for my student loans. Below are a list of the XXXX : XXXX XXXX, XXXX -5 YEARS XXXX XXXX, XXXX 1 YEAR XXXX XXXX , XXXX- 5 YEARS XXXX XXXX, XXXX-2 YEARS
For the past 14 months Selene Finance has not been accurately reporting payments they have received. We have been paying them on time every month, and they have been sending delinquency notices to each credit bureau. They also claim that we owe XXXX dollars when in fact they are holding it in a suspense account and are not applying the funds the way they should. When we call them to rectify the situation, which are monthly calls, we are told it will be 30 days before we see the problem has been corrected. 30 days has come and gone 10 times.
The only one out of 22 hard inquiries that i know are mine are the XXXX XXXX XXXX ones thats it ... they have already let my infromation get leaked now dont want to fix this issues ... also have not resposed over many times i have tired to get report on XXXX XXXX Needs removed
XXXX   XXXX ,  XXXX  CFPB : Experian Report  XXXX , dated  XXXX   XXXX ,  XXXX , fails to list my full-time employment,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , since  XXXX , with the State of Illinois, my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my   XXXX   employments added. I want true copies of the  Source Docum ents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlemen t ( NMS ) an d the Independent Foreclosure  Review ( IFR )  because  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging m e LIBOR, forced  me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX