WillisBack/dataset-financial-user-claim huggingface dataset:
I reached out to TransUnion, XXXX, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, XXXX, and TransUnion to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Back in  XXXX  of this year I informe d the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
On XX/XX/2018 I am getting hit with a hard inquiry from Kohls I noticed this on my XXXX XXXX account. I did not authorize any inquire had Khols department store. This was fraud and not authorized by me. I had called Kohls to tell them about this fraud and asked them to remove inquiry as I never went Into any of there stores or any of there outlets to try and get a Kohls card.

Kohls had said this shouldn't be a problem and that a rep would get back to me in 24 hours which never occurred.
On XX/XX/2017 I visited XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Before treatment began, they offered to run my credit to see how much I would be eligible for if I needed credit to cover any costs. They told me I was eligible for a {$5000.00} line of credit to be used towards any work needed. I received some minor work from them that I paid out of pocket for ( {$390.00} ). I told them I was not interested in using their line of credit and had no need for it. Approximately one week after this visit, I received a CareCredit card in the mail with a line of credit of {$5000.00} that can be used at XXXX XXXX and other affiliates. The card is unsolicited, but appears on my credit report. I called the issuing bank ( XXXX, Florida ) and they said they would conduct a fraud investigation.
XXXX XXXX XXXX, The firSt one is XXXX XXXX {$400.00}, I have notifications from Equifax showing this was paid and removed. I 've disputed with XXXX XXXX and XXXX. Equifax removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all XXXX reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is XXXX XXXX XXXX, XXXX.. This was a XXXX XXXX account. Back in 2012 it was added to my reports but with inaccurate information the amount being XXXX.. I disputed it was removed. SUDDENLY in XX/XX/XXXX out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final .. XXXX XXXX. I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent Equifax proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns. Equifax and XXXX XXXX removed the account from my report. XXXX has not. Equifax has not removed the address associated as they said they would.
1. MY COMPLAINT IS ABOUT " DESIGNED RECEIVABLE '' A COLLECTION ACCOUNT FROM THE XXXX XXXX XXXX XXXX, A SUBSIDARY OF XXXX XXXX XXXX. THEY ARE LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, CA XXXX. 
2. THE TYPE OF PROBLEMS THAT I AM HAVING WITH DESIGNED RECEIVABLE IS THAT THEY WERE PAID MORE THAN ONCE. THE XXXX XXXX WAS PAID AND DESIGNED RECEIVABLE WAS ALSO PAID IN FULL. AFTER MY BANK CONFIRMED RECEIPT OS THEIR PAYMENT, DESIGNED RECEIVABLE REFUSED TO SEND A RECEIPT TO CONFIRMED THEIR PAYMENTS. INSTEAD THEY HAVE CHANGE THE AMOUNT SEVERAL TIMES AND HAS BEEN RECORDING ON ALL THREE CREDIT BUREAUS, XXXX, XXXX, XXXX, SEVERAL TIMES A WEEK AS A NEW COLLECTION, LOWERING MY CREDIT SCORES, YOU CAN TAKE A LOOK FOR THIS WEEK ALONE, THAT XXXX ENTRIES WERE REPORTED TO MY CREDIT REPORTS. NOT ONLY IS THE CREDIT REPORTER REPORTING THEIR INFORMATION, DESIGNED RECEIVABLE WAS DISPUTED AND PROOF OF PAYMENT WAS FURNISHED TO ALL CREDIT REPORTS AND WAS IT WAS DELETED AND CORRECTED BY ALL THREE CREDIT BUREAUS WHO HAD A LOCK, FREEZE AND FRAUD ALERT ADDED TO THEM. DESIGNED RECEIVABLE HAS BROKEN ALL THESE FIREWALLS/CYBERSECURITY AND IS REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTACHED THE RECEIPTS FROM MY BANK AND A MORTGAGE COMPANY WHO WANTED A CONFIRMATION OF MY PAYMENTS. 
3. I DONT KNOW WHO THESE PEOPLE ARE, BUT I AM WRITING TO YOU TO INVESTIGATE AND INQUIRED ABOUT THESE ERRONEOUS REPORTING AND THAT YOU WOULD MAKE THEM GIVE ME A RECEIPTS OF THEIR PAYMENT AND PERMANENTLY DELETING ALL NEGATIVE INFORMATION ON MY CREDIT. ALSO WITH SO MUCH ALERT ON MY CREDIT REPORT, INQUIRE AS TO HOW THEY HAVE SUCH AUTHORITY TO OPEN MY FILE WHENEVER THEY WANT TO. 
4. I AM CURRENTLY SEEKING A PLACE TO LIVE, BUT MY CREDIT HAS BEEN UP AND DOWN WITH DESIGNED RECEIVABLE NEGATIVE RECORDING. PLEASE HELP ME AND REMOVE THIS FROM MY CREDIT REPORTS
XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX card on
I had my son in a daycare called the XXXX XXXX, I am currently going thru adivorce. My ex husband who lives in XXXX while I live in the state of XXXX tried togo to the day care and get my son and attempted to take him, out ofthe country. I was alerted got, the law involved and my attorneys I was told notto have my son out of my eye sight. I had to move, etc. I gave the day care averbal notice and I called them to confirm my child would not be in due to whathappened. Then I was contacted by a credit agency telling me they reportedme to their agency. I let the agency know that I was disputing the charges, as Ihad a safety concern to protect my child. A notice was given to the company, and they had children on the waiting list that took my child 's spot right away, not keeping them from making money or losing money due to taking mychild out of the center. 

When I called and let them know that my child was not going to be going backto the center, I was not told I would be responsible for anything else, as I hadpaid in full. As I had always paid XXXX weeks at a time. 

This {$340.00} dispute that is showing on my Credit Report needs to be taken offas it is not like me to not pay a payment. And a notice was given to thedaycare.
To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from '' date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
During my year long job search I was contacted by what seemed to be a legitimate company to fulfill a Shipping Supervisor role. I was to fulfill purchase and shipments to set up new offices here in the states. I was a bit skeptical but did some research and could n't find anything online that would give me a red flag. They were to pay off my cc so I could begin making purchases on my card for which they would reimburse me. They gave me a XXXX XXXX Account # to use to pay off my card. Decided to call XXXX XXXX to make sure it was a legitimate account. They were no help and guided me to get in touch with the Fraud Dept at Capital One. On XXXX XXXX I had a 20 minute conversation with the Fraud Department at Capital One ( my cc account ) to discuss the venture and make sure I was n't doing anything wrong or fraudulent. They assured me the account was a Corporate Account from XXXX XXXX and that everything appeared legitimate. Ok, I thought, The Fraud Dept gave me the go ahead and I proceeded to pay off my account with the XXXX XXXX Account information. A couple days later it went through and I had a XXXX $ balance. Great, just as expected. I made XXXX purchases over the next couple weeks and paid off my account each time waiting until Capital One showed a XXXX $ balance before I proceeded. Until XXXX day the funds were taken back out of my account. I thought ..How could that be? No one has access to MY account to take money out? I called up the bank again XXXX XXXX XXXX ) and they explained the funds were taken back out from the XXXX XXXX Account. They told me I did not have access to that account. I assured them I did. I have it in writing in an email as I explained the first time I spoke with the Fraud Department. How is that possible? They then told me that they do n't actually have the funds in my account like they show me and let me believe the funds are in my account. In essence, all XXXX purchases I made, in addition to the original paying off of my account from this XXXX XXXX Account were taken back out. On XXXX XXXX I had another 27 minute conversation with the Capital One Fraud Department letting them know that they screwed me over on this after I spoke to them 8 weeks earlier to make sure I would not be defrauded. They never told me that I could not stop money coming back out of the account if my NAME was n't on the account. They never told me that just because they showed money in my account and it has cleared that they do n't actually have the money. XXXX very deceptive ). I did my due dilligence in calling the Fraud Department in the first place. They are the professionals. They should 've alerted me to watch out for X because your name is not on the account and money can be taken back or let me know that just because they show that the account has cleared, it actually has not.
I am a real estate agent and I agreed to a six-month contract with XXXX to purchase internet leads. I electronically signed the contract. XXXX did not deliver what they absolutely promised me so I sent them a cancellation notice after four months for breach of contract. I spoke with the XXXX rep numerous times along with his supervisor to try to come up with a solution. The only thing I got was, forget about what we promised and just pay the bill. I told them I was not rolling over nor was I going to pay the last two payments. We could go to Court if they wanted. A couple of agents have a lawsuit against XXXX for the exact same thing. These companies are making promises they can not keep just to sign an agent up for their services. I informed XXXX that I was filing a complaint against them with the Federal Trade Commission and the Small Business Administration. 

I cancelled my business card with Suntrust and received a new one so that XXXX could not bill my account. XXXX obtained my new card number and debited my account. I phoned Suntrust to file a complaint and ask why XXXX was given my new card number. Suntrust told me that Mastercard gave out my new number. They said that my new card number was linked to my old card. That does not make sense to me. If one receives a new card it should never be linked to a previous card. Consumers receive new cards for a reason. 

I told Suntrust that it was not up to them nor Mastercard to be judge and jury over my money. If I had wanted XXXX to have my new card number, I would have given it to them. Suntrust is telling me they have to allow the merchant 60 days to file an answer to my dispute. I disagree because Suntrust was not authorized to let that money leave my account. 
Suntrust informed me that the charge has been reversed but they can not put it back into my account until XXXX and that is provided XXXX doesnt contest it. 

My complaint is against Suntrust and Mastercard for giving my new card number out without my authorization. I have lost trust in the Banking institution. This tells me they are on the side of the merchant and not the consumer. They should not be allowed to give out a consumers new card number. I want my money back and I want it now.
Our servicer, Wells Fargo, did not send a payment coupon per normal to our attention after submission of our XXXX 2015 payment ( which was submitted XX/XX/XXXX ). As we pay 1 month ahead, a payment was sent without the statement ( for XXXX 2015 ) XX/XX/XXXX. Wells Fargo received this payment and sent us a new statement for an XX/XX/XXXX payment due date ( which was already submitted and the reason for our inquiry ). At this time, we also realized that our Escrow Account Analysis was not provided to our attention ( we know this as we were informed when trying to figure out what happened to our payment, that our payment amount had increased to cover the escrow changes ). Although the agent for Wells Fargo was helpful, it still does not explain why 1 ) the payment coupon and statement did not arrive ( we have been with Wells for over 11 years ) and 2 ) why an Escrow Account Analysis was not provided in a timely fashion. Also, when you have a payment history which shows your payments are made in advance, why does the servicer choose to apply all to principal. 
With both documents not being received from Wells Fargo ( the missing statement and the missing Escrow Analysis ), we have assumed Wells Fargo had a glitch in there system and did not produce the documents, as we did not receive.
I have been trying to get Specialized Loan Servicing to review my request for a loan modification and they have not responded or assisted me any fashion.
On XX/XX/XXXX I purchase furniture on a credit card with Synchrony Bank in the amount of {$1700.00} with a payment due date on the forth of every month. Their promotion was " interest free for one year. '' All my monthly payment were on time and I brought the principal balance down to {$510.00}. The promotion period ended on XX/XX/XXXX. 

I received my XX/XX/XXXX statement showing the they are charging me {$430.00} interest for 11 days. On XX/XX/XXXX I sent them a letter voicing my opinion of disgust with their interest charge for 11 days, and sent them a check for the balance of {$510.00} One of the conditions in my letter was if they refuse to waive the atrocious interest of {$430.00} not to cash my check and return it to me. On XX/XX/XXXX I received a response and needless to say, they cashed my check and are now demanding payment of the interest charge. I suspect this is deceptive business practice and usury interest fee.
I sent a dispute to Equifax electronically about the validation of my student loan with XXXX. I have yet to receive a response electronically or by mail to verify the debt.
On XX/XX/2018 I sent a certified letter to Experian informing them I had several wrong names and addresses on my credit report and asked them to remove them. I provided my correct name and address, along with a copy of my driver 's license, social security card and my utility bill proving my address. I received a copy of my credit report about three weeks later stating they " resolved '' the issue, but all of the information I requested removed remained on my credit report.
I getting the run around about correcting a ongoing balance. XXXX XXXX blames it XXXX and XXXX  blames it on XXXX XXXX. It is holding me up from buying my home. Loan officer wont let me go further
There is an account through AFNI which is unknown to me, requested validation and nothing has been sent.
The reason for my writing is that M & T Bank is being unreasonable. I recently reviewed my credit report and found that M & T Bank were reporting inaccurate data. As a result, I disputed this erroneous data on XXXX XXXX by providing both up to date information and my detail request, clearly stating what I needed checked and rectified for my report to be 100 % accurate and verifiable. 
I was surprised by M & T bank that even after providing all the details that I did, until now they are in violation of the California Credit Reporting Act, which requires that an account be marked as disputed after a creditor receive notice of a client 's dispute. They have failed miserably to mark the account as disputed by client. Which clearly states that they did nothing in as far as investigation of my dispute is concerned. 
I am already in talks with my attorney in regards taking legal actions against M & T. Please see attached here with : 1. My dispute I sent to M & T on XXXX XXXX 2. My screen cast of my recent report without the client dispute remark 3. My small claim form- SC-100
The prospective loan company financing a new car should HAVE TO REQUEST the report from the origination of THE loan application and XXXX should NOT allow several Inquiries on the same LOAN TRANSACTION. You should know better. QUIT DINGING MY CREDIT. XXXX
I obtained my credit report and on my reports is a medical collection from Account Resolution Corporation for multiple dos that were denied ( see attachments ). The treatment I received and the dos that were denied were related to my XXXX XXXX claim # XXXX. My XXXX XXXX claim was handled by XXXX claim # XXXX, ph. XXXX. The dos that were denied are : ( XX/XX/XXXX # XXXX {$35.00} ), ( XX/XX/XXXX # XXXX {$5.00} ), ( XX/XX/XXXX # XXXX {$68.00} ) & ( XX/XX/XXXX # XXXX {$73.00} ). 

On XX/XX/XXXX I sent a notice letter to Account Resolution Corp. informing the medical collection agency that the collection was in correct and related to my XXXX XXXX claim, that XXXX denied as unrelated to my XXXX XXXX claim. I request that Account Resolution delete the derogatory and incorrect collections and report to the credit bureau 's. 

Account Resolution sent me a letter stating the debt was validated and included the medical ledgers. 

I called XXXX on XX/XX/XXXX and spoke with a XXXX XXXX Adjuster about the dos of that were denied and related to my XXXX XXXX claim. I was asked to fax in the medical ledger and reference adjuster XXXX XXXX and my claim # XXXX. I called to confirm receipt of ledger and was told that claim # XXXX does not exist.
XXXX XXXX XXXX is trying to collect {$680.00} when this is not the original amount of the loan. Opened XX/XX/17
My credit report with TransUnion has been frozen since 2008 and is showing me to have a credit score with my maiden name XXXX when my credit report is pulled with married name XXXX it shows I do not exist I have emailed them proof of my identity etc and they still have n't fixed the problem they have caused me and my kids to be homeless careless sick and poor they also cost me a foreclosed home worth $ XXXX that I was gon na purchase for $ XXXX but got turned down for a change loan etc because of this
No matter how many times I dispute with Midland Funding LLC, they always claim that they don't know what I am disputing This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is inaccurately reporting on my credit files. I have no knowledge of the accounts that they are reporting. The accounts listed as Midland funding { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } The accounts listed on my credit file are not my accounts. Midland Funding LLC are in violation of the FCRA. I did NOT give Midland Funding LLC any authorization to access or report on my credit file. Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file. Midland Funding LLC ignores the FCRA, XXXX and the XXXX compliance and has not provided me with any of the information I have asked for regarding these accounts. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that don't belong to me. I have no obligations or signed contracts with Midland Funding LLC. I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!