WillisBack/dataset-financial-user-claim huggingface dataset:
These inquires were just posted to my credit report. I contacted XXXX XXXX for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

Transunion Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX  XXXX XXXX  Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX XXXXXXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks
I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you XXXX
The town of XXXX MA has sent {$760.00} to XXXX XXXX XXXX   on XX/XX/13. The money has not been put back into my escrow account. I have contacted the Bank a number of times and no one seems to know where it is.
On XX/XX/XXXX, XXXX XXXX XXXX was removed from my Transunion Credit Report. For some odd reason, this account showed up on my Transunion Credit Report on XX/XX/XXXX without any communication from the credit bureau. 

Thanks,
I am current on all debts however I receive 2-3 calls a day 7 days a week from XXXX and never once a message. I googled a.d found that they are a debt collector and I am not the only one they are harassing constantly. I emailed and asked that they stop calling and send a letter. No response and still calls. I am executor of my mom 's estate and I suspect that may be what they are calling about, but I 've contacted everyone of her creditors already and told them the estate is insolvent. If they want to file a claim there is a way for them to file with probate but they should not me continually calling me.
There was not an option for my problem. This report has showed on my credit and damaged my credit for 7 years and 6 months. I have tried for almost a year to contact the company with no return calls. When I call the number one of the office braches have given me for the main office that takes care of the debit I always get an answering machine, I leave a message, and they never return my call. I have been trying to buy a house and this debit that I am not able to pay is damaging my interest rate. I have disputed this account thru XXXX XXXX and the return response was they were going to remove from my credit but it remains as a {$230.00} charge-off. Please remove this account from my credit so I can buy a house!
XXXX XXXXXXXX XXXX XXXX amount {$710.00} XXXX NEW JERSEY XXXX XXXX amount {$180.00} XXXX XXXX XXXX amount {$160.00}
I purchased item on XXXX that has been scam. XXXX approved refund under number SR # XXXX. On XX/XX/XXXX XXXX. It is XXXX. 

Allegedly, they the paid money on XX/XX/XXXX but no refund has been ever received. I exchanged numerous emails with XXXX and paypal. XXXX gave paypal responsibility to return money although payment has been executed but debit card and paypal has not been involved originally. It looks like they have designed process so you exchange endless loop of emails but actually never have intention to pay. They constantly change what you should od and there is always some additional step to do. After some time they start to repeat.
My money was deposited into my rush card and i have n't been able to access my money. I 've called rush card and no one ever answers the phone and when your on hold, phone hangs up. I also faxed over to them a letter explaining that my card was deactivated and that the deposit id was incorrect. No one ever got back to me.
Today I received 6 phone calls throughout the day from various phone numbers all with a XXXX area code. I looked them up on XXXX and theyre all XXXX or XXXX voice numbers. I called 2 of the numbers back and they were both debt collectors from Halstead. They were very aggressive about trying to identifying me and denied calling me 6 times. The man on the first call hung up on me when I told him calling me more than 3 times per day is an fdcpa violation. On the second phone call I asked them to stop calling me and I did not identify myself on either call. The woman on the second call told me they keep calling me because I never answer.
I regularly use PayPal services to pay for XXXX purchases. When you are checking out with PayPal to purchase the XXXX item, you are given choices of how to pay, such as credit card or from your bank account. For credit card, you have the choice of a credit card you previously had or, PayPal offers its own. PayPal makes its own card the default payment mechanism, which I resent and am well aware of. I never asked for a PayPal credit card. I have never wanted a PayPal credit card. I have never received a PayPal credit card. I have never activated a PayLap credit card. I have never used a PayPal credit card. In short, I have never wanted anything to do with PayPal credit cards. Yet, a few months ago I received a purported credit card bill from PayPal with alleged charges. I immediately called PayPal and informed them of the above and that the charges were fraudulent. I have continued to receive PayPal credit card bills, through Synchrony Bank, XXXX. XXXX XXXX, XXXX Florida XXXX. These bills have been adding steep interest and other fees on top of the original fraudulent charges. When I received the last bill, I called Synchrony bank and informed them the charges were fraudulent and the interest charges unjustified. I informed them I would not pay either. Yet, I continue to receive new bills. I am sure at some point they will turn the bill over to a bill collector and try to ruin my credit. Please begin an investigation into this matter and order PayPal and Synchrony bank to expunge all charges, delete forever a credit card I never asked for, and order them to agree not to pass on any information about this to either a bill collector or a credit rating agency.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX  with no successful resolution. XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
I am being forced to file this Complaint because Select Portfolio Servicing , Inc., hereinafter referred to as SPS, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. I took out a loan with XXXX XXXX XXXX on XX/XX/XXXX. Due a financial hardship in XX/XX/XXXX, I fell behind in my scheduled monthly payments. The last time I made a payment on this consumer debt obligation was XX/XX/XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. In XX/XX/XXXX, it is purported that XXXX XXXX As Trustee of the XXXX Trust was assigned the beneficial interest under my Deed of Trust and not the Promissory Note. At the time of this purported transfer, the debt was contractually due for the XX/XX/XXXX payment. SPS purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, SPS and XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess me from my home without the legal right or authority to do so. Despite numerous attempts, they have failed to validate the debt and have failed to provide me with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although I have taken legal action against them, they have not stopped their collection and enforcement activities. I am filing this Complaint to make the CFPB aware of their wrongful and illegal actions. The California Supreme Court has confirmed that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and is enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt or collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. SPS and XXXX XXXX are engaging in acts that are causing substantial harm not only to me but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by.
I have been for months now trying to get information that is on my experian report removed about a bankruptcy that is reporting. I checked my credit and saw a bankruptcy and requested it be removed due to Experian saying they received the information from XXXX XXXX. I am attaching my XXXX XXXX report and showing no bankruptcy on it. Its against the law to falsely report information and i would like it removed immediately. I am also attaching copies of my report from XXXX  who have deleted the bankruptcy. 

This is stopping me from obtaining credit and a job. please investigate.
I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and XXXX Credit reports. The XXXX and XXXX  report clearly shows that my last payment was in XX/XX/XXXX, but citimortgage reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written citimortgage and they have yet to respond. when I call citimortgage I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls help!
I have asked ancient several times follower my loan, atleas t 2-3 different times in 2016, I ask ed if I could extend the life of my loans and they refused stating I had to pay the amount they determined, stated they could not extend the life of the loan. When I asked what I was supposed to do because I could not afford that loan and my other student loans they said to speak with my cosigner to help with repayments. They would not help me to make my loans affordable
There is a medical bill that is fraud on my credit! I reported it to police and submitted all reports to all credit bureaus. equifax has not removed it! XXXX and XXXX have already removed it. its XXXX XXXX XXXX XXXX
I filed a modification with XXXX bank and I was under the agreement and paying, The mortgage company reported on my credit report that foreclosure proceedings had started which was in correct. I sold my home XXXX XXXX during a normal sale and closing procedure and XXXX took 3 months to send release of Lien and also is still reporting that I was in foreclosure which is keeping me from purchasing a new home, the law states that you have to wait 3 years if a foreclosure took place in order to obtain another FHA loan, I need this updated and also the correct information reported, My modification took 18 months to complete and never was properly handled.
I have had a student loan for a number of years, in the last few years I have had to take care of my child on my own and am homeless, living with family. As of XXXX XXXX, I have been laid off from my job. I have tried to request deferments from Navient and have either not been answered ( the case with the last XXXX applications ) or they tell me ok you can have it only to send me a massive bill the next month. They now tell me that my minimum payment is over {$800.00}, and that I owe over {$20000.00} and I never borrowed more than {$12000.00}. I never had these problems when XXXX XXXX had my account. I am not trying to get out of paying my debt, I simply need help at this time. I attended XXXX XXXX College as well as the University XXXX XXXX Florida
My loan was transferred to loan care I did n't receive notification until aro und   XX/XX/XXXX my house was pending sale I spoke with a rep end of  XXXX  start of XX/XX/XXXX . Asking should I schedule a payment arrangement or wait because wet were scheduled to clos e XX/XX/XXXX  XX/XX/XXXX rep state d no they do n't report late loan until afte r 60days h owever according to respa that would also include the applicable 15 day  Grace a fter the first of the month. Received documents of foreclosure help I contacted back they stated same if it was closing  XX/XX/XXXX  should be fine. Finally closed as agreed XX/XX/XXXX  they reported me lat e I dope  to  XXXX  agent  XXXX  starting he saw the error it would be fixed in 30 days. Called back it was pending called back still not fixed spoke with credit beauru whom stated I wss correct about Respa and loancare wss fatally reporting as if this was n't a new transferred loan called back spoke to a team lead who said I was correct and she would get it expedited and have a supervisor   XXXX   XXXX  . w ithin 48 hours  I never received said call. Meanwh ile credit score plu mmits when fact is I called and inquired not once but twice but  three tim es and was told do n't worry about it and they were aware of close out date. So then speak to a supervisor   XXXX   XXXX   whom stated that he apologized that all his agents and team lead I done with w ere miss i nformed and he would pull calls and speak with them but asas far you 'd he could n't fix because he does n't agree that the RESPA law follows That 60 day Grace also including the applicable Grace period of 15 days not to mention even so the lack of his belief or proper training to multiple agents instead of an appropriate payment arrangement advise costing out the XX/XX/XXXX  would avoid me being reported a late payment when asked to send chores of those calls over to my credit reporting agencies to aid in the investigation he started its proprietary and he would do no such thing. I paid them in full followed the RESPA guideline even though I was not notified in a timely fashion of the transfer I called multiple times and I just want them to remove the payment history and remark off my credit as they agreed to do and dually agreed was the correct thing to do however the have led to me on multiple occasions bypassed RESPA PAYMENTS NOT CONSIDERED LATE.   Durin g the 60-day pe riod beginning on the effective date of transfer of the servicing of any mortgage loan, if the transferor servicer ( rather than the transferee servicer that should properly receive payment on the loan ) receives payment on or before the applicable due date ( including any grace period allowed under the mortgage loan instrum ents ), a paym ent may not be treated as late for any purpose )  XXXX  subverts as well add failed to make sure the document of transfer was received in a timely matter
William & Fudge keeps calling me and my spouse. They claim I owe money from a balance of about {$600.00} to XXXX University. I attended XXXX XX/XX/1998. I also contacted the school, 7 years ago because of the hold I had on my account, and they told me that it was an error and released my transcripts. 
It seems to me that Williams and Fudge has tried to add to the balance of a debt they bought from XXXX.
My identity was stolen and used to add XXXX extra cell phone lines to my XXXX wireless account. After filing fraud with XXXX and getting affidavits of fraud for each individual line added to my account and police report and countless conversations with XXXX, the extra cell phone lines were erased off of my cell phone account. So because the lines were canceled, the company XXXX XXXX has been coming after me saying I canceled the insurance for those fraudulent lines and that I owe money to them. I did not comply because I never signed a contract with them during the fraud and it was forwarded to the company Aldous and Associates who have been threatening to send this into collections and that I owe {$800.00}. Please help me put an end to this.
I have been having problems with this company called Enhanced Recovery LLC collection agency. They have been continuing a collection on my account for awhile even after I have explained to them I do not owe this account. I have asked them to give documentation with my signature proving that I am the owner of this account, they refuse to. I have been dealing with this company for awhile and want them to remove this inaccurate information as it is hurting my character and credibility. This company can not send me the original contract proving this debt to be mine. I want them to remove this inaccurate collection off of my credit report immediately.
On XX/XX/XXXX I ran my credit score and found a outstanding bill, that had been sent to Pheonix Financial for collection. On XX/XX/XXXX I emailed Pheonix Financial requesting debt validation. On XX/XX/XXXX I called Pheonix Financial. They informed me about a hospital bill from XX/XX/XXXX, for my child, that was in a different state from where we live. I mentioned to Ms. XXXX from Pheonix Financial that I had not recieved any calls or bills from anyone regarding that matter. She told me I can call my insurance company and ask them to pick up the claim. I called my insurance company for more information, they informed me the bill was paid and gave me a electronic check number. I called Ms. XXXX to tell her the good news, and she proceeded to tell me how my insurance covered the hospital portion of the bill but not the physician portion of the bill, so my remaining balance was over {$800.00}. I asked what my options were, who I could contact to resolve the matter, because my son was always covered by insurance, and I do not want to owe anyone money. Her solution ( which she made sure to let me know she was recording at this point ) was to pay a discounted price of over {$600.00}. She also then said my insurance would likely not pick up the claim because of the date of service being over a year old. I explained that I should not be expected to pay a bill I have never been addressed about, nor that is financially my responsibility when my child was covered by health insurance. We disconnected and I called my insurance company. He placed me on hold, and he contacted Phenoix Financial. He came to the resolution that the reason for the bill was because the hospital did not put my childs insurance information in correctly. My insurance says this will take 30-45 business days to be reprocessed, and I will be covered by them fully.
Hello, thank you for any help that yo u may be  able to provide. I have called in to trans union and have asked that info be updated properly. I called into trans-union and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, customer service would not help and take care of the negative inquiries reporting to my credit report. Please help, I am not getting anywhere. The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have a credit card with Bank of America and I almost never use it. I have a auto draft setup for several years for this card so the balance will always remain XXXX. This credit card has a $ XXXX  yearly service fee. Last year around XXXX this credit card charged a service fee that was not automatically withdrawn using my auto draft. Unknown to me the service fee stayed on the account as a balance and I was charged 30 days delinquent not for actual purchase but for a service fee. I have spoke with Bank Of America customer service on several occasions and they all admit the issue is on their side however when ever they send the correction request to their credit reporting department the department refuses to acknowledge that the technical error happened on their end and correct my credit reporting. I have XXXX credit score for maintaining an perfect payment record this reporting put a blemish on my credit for something that is Bank of America 's fault and I should not be punished for that error.
On XXXX XXXX 2015 we ordered a hoover board through Amazon. Several weeks later Amazon sent a email pertaining to the safety of the boards and at that time we attempted to stop the shipment. As it was already in transit, they could n't stop it. When it was delivered by XXXX we refused the shipment and the same tracking number was used to send it back. Last known location was XXXX. We notified Chase who handles Amazon.com rewards Visa to have the charge removed from the card. We are now in a battle between Amazon and Chase as to who is responsible to make good on the return. 
The third party, XXXX out of XXXX XXXX acknowledged that the item was in transit to them but has refused to acknowledge that it was received. 
As it stands now, Chase is saying that we will have to pay the {$270.00} and Amazon is saying its not their problem. At this time, we have not paid the credit card bill. 
Any help you can give us would be greatly appreciated. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX email : XXXXXXXXXXXX
I received a notice in the mail about a settlement which I agreed and tried to pay but collector then said debt was recalled. Called company and after they knew I agreed to pay they gave to new collector for higher amount, I went inside store and spoke with storemanager XXXX who has notated the account that I came in with cash and tried to pay. He says he see the letter and dont understand why I cant pay it. I had cash in hand and they refused the agreed settlement offer that they made. remove the debt since unfair and unlawful tactics have been used. I was instructed to open business account and have since been getting charges continuously crammed. Only got business account because they wouldnt honor their own settlement offer
XXXX asks you to buy items to promote their sweepstakes. Although you pay them they do n't apply the correct payment, always leaving a balance you have to pay. I know I paid them in full. They call me XXXX or XXXX times a day, do n't leave a message and no identification of their telephone number which happens to be XXXX, and XXXX