WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, I requested, and received, a free credit report from TransUnion on the basis of adverse action ( denial of credit ) that was taken against me. 

Today, on XXXX XXXX, 2015, I received notification of another denial of credit based on a TransUnion credit report, so I requested another free credit report from TransUnion on the basis of this denial. However, TransUnion refused to provide a new report, stating " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional report at this time. '' and attempting to sell me a credit report. 

The Fair Credit Reporting Act requires TransUnion to provide a free credit report upon request if I have had adverse action taken against me based on a credit report provided by them. It does not place any restrictions on the frequency of such requests -- a new adverse action can be the basis for a new request, no matter when the last request was made.
I had a account witth XXXX paid in full that I closed on XX/XX/2005 It still shows on my exuifax credit report. I was told the limit was 10 years
Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Have no knowledge of this company Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Pulled my credit then would not return a call back as well as pulled my credit after another applicants application was already approved for the leasing. 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX Why was credit pulled twice within 2 days? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of applying for credit on XX/XX/XXXX Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Already had loan with company and they would not work out alternate payment arrangements during a financial hardship period Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX Inquiry Date XX/XX/XXXX Paid off this loan, why pull my credit after loan was paid off? 

Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or giving them permission Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Why pull it all those times when I already had credit with the company? 

Inquirer Name XXXX/XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit
Good afternoon, I am making a dispute against XXXX XXXX XXXX  XXXX XXXX XXXX XXXX And FIFTH THIRD bank for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting Equifax ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX XXXX & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX 30 day late ( XX/XX/XXXX ) XXXX XXXX 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.
I attended XXXX XXXX University. I thought I only borrowed federal loans for school, however, it looks like I borrowed a private school loan for 15,000 at 11 %. I began paying it because I started receiving the bill at my mothers house. Then I was going through a child support issue and I could not pay the bill. I asked to file for a forbearance and they said I could but a few days later the loan went into default. I called AES and they said the agent should have told me I needed to complete the form immediately. I tried calling the collection agency to create a payment plan and they refused. XXXX XXXX threatened to take my Mother 's house and her retirement. I called AES to have them release the contract and they could not find it. They had my birthday as XXXX when its in XXXX. Now I 'm thinking this might not be my loan. My XXXX XXXX loans were completed with federal loans. So now I 'm clueless because XXXX XXXX XXXX wants 23,000 dollars paid in full. I am a XXXX and do n't have that kind of money.
Bank of America is over charging interest on credit balances.

The statement with closing date of XX/XX/2018 shows my payments of {$120.00}. and a payment of {$1000.00}. However under the column " Balance subject to interest '' it shows a larger, wrong amount which does not reflect the payments. Bank of America is charging interest based on a larger, wrong amount, thus robbing their customers that carry a balance. The bank also closed another credit card account, without prior notice, even when I had maintained current on all payments. This had damaged my credit, without a cause.
American Express Rewards card beginning XXXX. Area merchants began to refuse card XXXX.
Rather than fix the problems with merchants, card was cancelled without warning sometime during XXXX  or XXXX without written notification. On line message XX/XX/XXXX stated " This card has been cancelled ''. Requests to verify in writing closure and reasons have been refused. Cashback rewards of {$61.00} was forfeited rather than paid as previously requested.
I have been dealing with this issue for months in attempting to correct the reporting of my account of XXXX XXXX XXXX XXXX when my account keeps getting reported/reflected incorrectly. Each month I discover the account reported negatively, I send supporting documentation to correct the issue. It gets corrected for a month, and then the following month it shows a negative status again. I do not know where the mistake lies, with the credit company or with XXXX XXXX XXXX XXXX but it needs to stop being incorrectly reported and having me spend time and money correcting the same problem over and over again. 

Over the past several months, the negative reportings have been " in collections '', " charge off '', " repossession '', and most recently " partial payment '' used interchangably. I have been paying XXXX XXXX XXXX XXXX at over the required payment for an auto loan consistently and on time ever since I got the loan in 2017. Additionally the vehicle has not been repossessed. It was involved in a motor vehicle accident, and was " totaled out ''.
I paid off the QVC Card to later find out my account is in collections. 
When making an order, I find out this account is in collections. 
I never received a notice of collections and never received a call. 
The collection company hung up on me for the first call. My second called proved they never tried to contact me via mail or spoken to me. I requested a letter of proof for this collection because I thing this is a scam or QVC is taking advantage of their customers and causing damage to their credit reports. I was informed my account was closed without a notice in the mail or a courtesy call. When I call QVC, they say this is a false statement. QVC has me running around to clear my credit and begging for answers they ca n't provide. However, this vicious cycle of credit destruction was caused by them. I 'm getting the run around.
I tried calling in today, XX/XX/2017, to pay off my student loan with my credit card. I took out the credit card to pay off my student loan as I have 0 % for 18 months. I was told that OSLA only accepts bank account information, which is unacceptable. They are impeding me paying off my student loans.
I purchased this home as my principle resident in XXXX with another lender, shortly after closing Ocwen became the servers of the note. In XXXX XXXX I made arrangements to pay my XXXX tax in monthly payments of {$260.00} with the Tax Assessor office. Later I get this notice from Ocwen that they have paid my tax for XXXX and XXXX. I told Ocwen of my payment arrangement and that my XXXX tax was not due. They created an escrow account to pay my tax and ins. I never had an escrow account during the life of this account. My mortgage payments went from XXXX.to XXXX in a pass due notice date XXXX/XXXX/XXXX. I never stop making my monthly payments of XXXX. Each time I would may a payment they would suspense the payment instead of applying to the loan. Ocwen called me about this late payment I paid over the phone and again on line thru my on line banking resorting in an over payment in XX/XX/XXXX. The record show I send my XX/XX/XXXX payment on XX/XX/XXXX Ocwen rec 'd on XX/XX/XXXX.. My current statement dated XXXX/XXXX/XXXX show an increase in payment from {$670.00} to $ XXXX.due to an interest increase from 6.60200 % to 7.25000 % with no explanation.
I have a unique situation that I find completely bizarre. I have contacted Citi on numerous occasions to stop transferring {$560.00} from my Checking account to my Citi Advantage Credit card.I have called, I have used online chat, I have even written and NO ONE from this company will help me. It seems like such a simple thing to turn off but everyone keeps telling me they are manual transfers. I have n't lost my mind. I am not transferring {$560.00} myself every XXXX of the month. I have screenshots to show the manual transfer page that has no history of the {$560.00} transfers. I have screenshots of my bill pay page that shows no bills to my credit card. I have screenshots to show I have no auto-transfer and no auto-pay set up between my checking account and my credit card. Every time I contact them, they do not take me seriously. 

I have yet to receive a response to my written complaint that I sent via first class mail. I would n't be surprised if they denied ever receiving it. It 's a shame because I have been a Citi customer for nearly 10 years now.
I have receive several call over the past 2 years regarding payment. I signed up a gym called XXXX of XXXX, AZ. When I signed up, I had to provided my debit card. I was n't aware, that the club only offers auto-pay as the only option, so I cancelled the service. XXXX the charged me the introduction fee of {$10.00} and the next month payment of {$20.00}, and annual rate lock fee of {$49.00} and all within 2 days. I like to be able to make my payment myself, in order to control my back account. XXXX is trying to collect a balance of {$120.00}, that I do n't owe them.
I HAVE A COLLECTION SHOWING UP ON MY CREDIT REPORT WHEN THIS ACCOUNT WAS PAID IN A SETTLEMENT. THEN THE PHONE WAS RETURNED BECAUSE OF NO SERVICE IN MY AREA.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wife and Husband, Tenants By The Entirety ( hereinafter " XXXX '' ) purchased Loan Policy/Escrow No. XXXX, XXXX XXXX XXXX XXXX XXXX COMPANY for PLAZA HOME MORTGAGE, INC. in 2006, as well as purchasing a Owner 's Title Policy No. XXXX XXXX XXXX XXXX XXXX XXXX for XXXX also in 2006.
These accounts reappeared to my credit report. I am requesting to have them removed and block as they are costing me a lot of stress like XXXX XXXX XXXX XXXX.i 'm a single father of XXXX kids that I need to send to school These accounts were due to identity theft and are fraudulent. 





XXXX XXXX XXXX XXXX Status Closed Balance {$5600.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9300.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6100.00} Type Collection Payment Status Late XXXX XXXX  XXXX Status Closed Balance {$9700.00} Type Installment Loan Payment Status Late
The problem with Paypal mastercard is obvious. I made a call to paypal and was told by the paypal fraud report that an amount incurred was going to be refunded as I did not authorize the amount charged. ( It was a payment made to an unknown company in XXXX XXXX California ) The charges occurred during times thT I had reported my card stolen and in days the card was already stated as voided. The replacement card took a long time to arrive. During that period of time, I am supposed to have made a payment. At arrival of the new card, I have been trying repeatedly to add the paypal new card to make the payment and paypal system refuses to add the card. That makes me to be late and unable to process the  payment. Therefore I am eaten in interest and late fee while is not my fault but the negligence of the company in not processing the card soon and their system not taken the card to add a payment. Please help. this has to be clarify. Thank you
My rights under Hippa were violated by XXXX XXXX XXXX XXXX XXXX. I have disputed such information many times with Experian Credit Bureau. Under XXXX XXXX XXXX do not have the right to access my medical bills, medical information about me without my consent. Experian has allowed XXXX XXXX to report protected health information to my credit report without proper investigation and blatant disregard for my rights under HIPPA. This is a violation of HIPPA Public Law 104-191. I have contacted both companies several times with no results. I have never granted or given permission to XXXX XXXX to view my private health information.
I lived in South Carolina XXXX years ago and had XXXX cable. I paid my final bill and then never heard another word from them. Now, XXXX years later in another state that does n't even offer XXXX, I am getting hounded to pay a debt not only that I do not owe, but they are now reporting this debt on my credit report. I do not know how to make this stop or go away, Enhanced Recovery Services seems to have a habit of buying off bad debts and trying to collect on them. Please, please, please help me resolve this so I can buy the home of my dreams!!
I have made {$60000.00} additional principle payments for the past 1.5 years. Freedom mortgage is not applying the payments to my principle as they are made. They apply them to my regular monthly mortgage payment ( which I already make in addition to the principle payments ). So they will have my monthly mortgage payments paid for months at a time instead of applying it to the principle as requested. I have spent hours on the phone trying to get them to apply the payments to my principle. Eventually they applied them to the principle however they never applied it on the dates they were made. They apply them months after. I requested and received payment history information on my mortgage and the problem has not been fixed. I have spent hours on the phone and have spoken with supervisors and have gotten no where. I am still waiting for a supervisor to call me and that was days ago and I have even called back since and have not received any help.
The " verification '' they sent me does n't list my name anywhere. It only lists " XXXX XXXX '' on the bill, which is not my name and never has been.
I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.
i was pre approved for a discount program designed to save money on my loan by midland collection agency.given a certain date of expiration which was XX/XX/2016..midland collection agency has given me XXXX options. 
1. 40 % off from balance of {$3100.00} which was {$1900.00} 2. 20 % 6 month payments of only {$420.00} 3. monthly payment as low as {$50.00} per month. you have to discuss with them for this. 

I took option 1 .paid them {$1900.00} by check at XX/XX/2016 which was posted or deducted from my bank account posted on XX/XX/2016 way ahead of their due date. 
Yesterday XX/XX/2016 i got a letter from them thanking me for my recent payment, however they tell me that i still owe them {$1200.00} this is the amount that i was suppose to save on my XXXX % option 1 discount.i 'm so mad that i am looking straight for help ... thats why im here ..i need your help.
On XX/XX/2018 I purchased ( 3 ) {$100.00} XXXX gift cards issued by U.S. Bank at XXXX in XXXX, Texas. When I tried to use them they were declined. I've tried to call the number on the back of the card ( XXXX ) and access the website ( XXXX XXXX XXXX XXXX XXXX ) but neither are working.
Account wit h US Ban k received numerous charges from   XXXX     XXXX  ma. None of these charges were initiated by me or anyone in my family. I disputed all of these charges w  ith US Bank, and all were credited back to my account. Once charges were all credited back, I initiated to have previous card cancelled and new card issued.
Most recently, US Bank reversed one of these credits   for {$50.00}. The fraudulent charge occurred on  XXXX / XXXX /  XXXX   ; I disputed it and was credited on  XXXX / XXXX /  XXXX   ; US Bank reversed the credit on  XXXX / XXXX /  XXXX  .      XXXX  is a website hosting business to best of my knowledge from web searches I have done. I see a lot of fraudulent charges from this company when I search. I have no way or desire to interface with  XXXX  as these charges are fraudulent.     I have not activated replacement cards received from  US Bank pending resolution of this issue. Once this issue is resolved, my intent is to cancel this account based on poor customer service from US Bank .
XXXX XXXX is defrauding consumers by not awarding points according to a promotion 's terms. 

I have an XXXX XXXX Visa card. They run a promotion several times a year, and each promotional period they cheat me and other card holders out of hundreds of points. 
The promotion states that for 3 months, the credit card holder will receive XXXX additional points each day they use the credit card for a purchase outside the XXXX XXXX brands. 

During the most recent promotion, on 8 separate days when I USED my card ( that is, took it out and made a transaction ), I did not receive the XXXX points. My account summary shows incorrect transaction dates. I called customer service and provided details of each transaction and requested the missing XXXX points. I received a letter dated XX/XX/18 stating their points were correct and they would not be issuing me the missing points. I filed a complaint with the XXXX XXXX XXXX. In response, Synchrony sent me a letter insisting their records are correct and they were going to give me XXXX extra points as a " courtesy. '' They stated they go by " transaction date '' in rewarding points. I tried to tell XXXX XXXX in this complaint that their " transaction '' dates do not correspond with the dates I " USED '' my card ( which is the wording in their promotion ) and that I had proof. They were unwilling to look at my proof. Synchrony sent me a print-out of my activity summary, including transaction dates. I will use their own printout and my receipts to prove they are intentionally defrauding consumers. I am attaching their letter to me and two sheets they sent me showing how they awarded points based on transaction dates. Two examples : Note their records show a transaction date of XX/XX/XXXX for Lowe 's at {$5.00}. Note that my receipt shows I USED my card on XX/XX/XXXX ( NOT XX/XX/XXXX ). And Synchrony Bank 's records show they did not give me the XXXX ponts for USING my card on XX/XX/18. Another example : Their records show a {$3.00} Walmart transaction date of XX/XX/XXXX. My records prove I actually made that transaction -- aka USED my card -- on XX/XX/XXXX. So instead of giving me XXXX points for the Lowe 's transaction that actually WAS done on XX/XX/XXXX, they wrongly applied the XXXX points to the Walmart transaction and did NOT give me the XXXX points for the Walmart purchase on XX/XX/XXXX. That's called fraud. The last two times they ran this promotion, they also cheated me out of hundreds of points.
I have a loan on XXXX vehicles with ally financial, in either of these loans I submitted payment online, and was n't sent or advised of any issues with the payment. Today, the repo man appeared at my house, as ally is well aware since providing my benefit statement as a part of income verification, I am a XXXX veteran. This complaint is based upon XXXX issues, first Ally to date has never provided a right to cure statement, which is a legal requirement, any production of such is a production to cover such non action, and false. Secondly I have a Mercedes Benz that I own outright in my yard, the repo man in error placed his jack under my owned car, not attached to this loan, raised my owned car, upon my XXXX, I rushed out the house, stumping my foot, and advised him to put my car down, and check the VIN number, which he complied, it was the wrong car.
I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, & XXXX XXXX. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
On X/XX/2017 I reached out to the following companies asking them to prove and send documents that I owe this amount and until this day I have received nothing! They repeatedly called me and other family members requarding this situation. If you say I owe this debit send the all the documents stating I do. I have to right to see everything you say you have against me. It has even been law offices calling and writing me about these debit. The companies are as follow XXXX XXXX {$1700.00} XXXX {$12000.00}