WillisBack/dataset-financial-user-claim huggingface dataset:
I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX  on XX/XX/XXXX then I see another one from a XXXX XXXX dealer also on XX/XX/XXXX and I see another one and XXXX XXXX  also XX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.
I filed a proper dispute with Experian on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Experian on XXXX-18. I re-disputed to Experian with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Experian 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.
We realized that Wells Fargo created an infant account on our home equity line and automatically was charging us the higher interest rate on our home equity line of credit. We did not sign anything agreeing to the higher interest rate and the infant account with the higher rate was not even visible when we logged into our account summary page. The lower interest rate showed on the home page of our account and the higher rate that we had been charged was only visible by going through a series of steps from the account summary page. This was very misleading because when viewing our account statement it read the amount of the parent account 4.25 % when we had been charged a rate that was 7.75 %. At 3..5 points higher than the rate in the parent account, we calculated that this amounted to over {$14000.00} in excessive interest charged. Wells Fargo took several months to review our complaint and determined " no error occured ''. They did not complete and mail the review until XXXX XXXX, 2015 although they had sent us a letter stating that they would complete their research and provide us with results on XXXX XXXX. We have all documentation. We also have XXXX emails to Wells Fargo Home Equity Consultants asking for options for lower interest rates during the duration when we were getting charged the excessive rate. We were told all 3 times that no better rate was available to us.
I purchased a 2015 XXXX from a XXXX XXXX XXXX. I have had trouble getting Toyota Financial Services to accept my payment and have been trying since XXXX XXXX to pay them. They keep telling me I am not paying and I am. When I call customer service I get the runaround. All I am trying to do is to pay my car loan. They have now doubled my payment to XXXX. My payment per contract is XXXX. 

No one seems to listen to me, and I do n't want my car repossessed. I am both frustrated and angry. I am JUST TRYING TO PAY MY BILL. They did n't accept my payment from XXXX XXXX when it was due on XXXX XXXX. So now this is a nightmare.
I was a victim of identity theft inXX/XX/2016 whereas an application with XXXX XXXX  for 1 credit card became a 39 inquiries and 22 credit cards mailed, applied over and over again. I had my mail and ID stolen for over a year. When contacting the company for over a year I was assured all accounts were closed. I spent over {$600.00} dollars in applications, monitoring services with all credit bureaus. I had over 5 police reports filled and shared with banks, credit bureaus and FTC report in order to stop the abuse. When calling the company it was like I had had never called them to inform of the theft and after the XXXX data breach this closed accounts started showing up in my credit decreasing the credit report from 850 to 450 ; According to State Laws across the nation when such theft occur all account and related credit cards must be closed and removed from the credit report for a period of 10 years. I can no longer afford to spend an average of {$30.00} dollars a month mailing this police report and requesting the removal ad blockage of this cards according with FCRA consumer credit laws.

When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B ; There was a failed to communicate information within each phone call, each mail of police report.

After reaching the toll free number and speaking with 28 representative they couldn't locate most of the credit cards through the social security number, and I was told : __ Wait there is another consumer with the same name and same accounts but your social security number does not match. That is when the XXXX XXXX XXXX was announced nationwide.

That said, the whole experience was rattling. I can't imagine what a mess it might have been if I had not inadvertently checked the account day by day and spent {$300.00} a year in monitoring services with the credit bureaus, and if additional charges were racked up, wiping out the account, credit cards showing up in the mail after a year.

My vehicle registration, my auto insurance with XXXX   and personal mail were also affected by the mail theft ; When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B.
XX/XX/2017 Ditech 's Collection rep told me I had to be delinquent 90 days before I could apply for a Loan Modification, I told her that that wasn't true and she argued, so I asked for a supervisor to call me, that never happened. I called another time and the rep in Florida told me that the loan qualified for a no document modification, but then we never received anything regarding any type of modification, not even a payment plan, nothing. So besides our rights being violated in tying to miss leading me into not making any payments, I feel that statements should be accountable by the person 's representing the company and our loan should be modified to a 2 % fixed rate and forgivable default balance, and due to the lead, radon, plumbing, brown rockrose infestation and house foundation collapsing., that the principal should be lowered also. I've put 4 years in chasing all these problems I don't have money fore. I have found a few county programs that would help but I need these conditions meet before I move any further, its so hard to make a representative listen and understand the situation of a home owner in distress. The rep 's are only concerned about there bonuses that make there pay, I know this because I worked for GreenTree in the past, there are motivated by losing there pay down to minimum wage if they aren't good enough to collect with out foreclosing on hard working people that are going through a little bit of a hard time in there life.
First credit Finance This company has a bad customer service, the department that handle registration and titles As customer you expect a friendly answer for the other side of your line , We call  XX/XX/2017  t his person who answer our call was rude, she was not helpful she was so unprofessional and she hung up the call at the end, I request to talk to the  manager she help us but she mention well for what I know ur brother was using a bad vocabulary to our employee, I correct her and I told her our call was record and I can prove that my brother never use any bad language, She said I do n't give you the permission to record our call I said its ok we just want to bring this up for you to know how you people is working But as well as the other rep, sounds like she do n't care about it and my brother is not the only on e that complaint about this company they are so rude Hope you can call as customer and see how they answer or help you
It has come to my attention that a debt that I do not owe is listed by a vendor who is not a subscriber to Equifax and the information being reported is an error. The inaccurate and unfair reporting is being done under the account # XXXX. XXXX and XXXX  have both removed this inaccuracy by Equifax continues to report erroneous information on my credit report by a non-subscriber who has not provided substantive data to back this misreporting. Immediately remove this item or provide a copy of the information that is being furnished to create this unfair and harmful error.
Failed to apply/allocate payments to the accounts correctly. 
Obscured information and failed to notify of payment change, interest and late fees. 
Had I not discovered the problem by conducting an end of year review of my loans would have harmed my and my husbands credit as he is a cosigner on my consolidated loans.
I have send letters disputing wrong negative information on my report. Transunion has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.
I had a mortgage with XXXX who unfortunately sold it to Capital One. Capital One and I ended up going to court, as they refused to take my payments, stating I owed escrow which was not true. Once that was settled, I tried yet again to make my payment. Yet again, they stated my payment was much more than agreed upon ... they included the escrow. I tried for several months to make my payment. Capital One refused, and kept significantly increasing the amount I owed and the total loan balance skyrocketed!!! I originally owed ( allegedly ) {$70000.00}. They then increased it to {$77000.00}. Now they show {$90000.00} - all in less than a year. After refusing to take my payments again, they sent my loan to XXXX XXXX XXXX XXXX. I went on line to establish an account with them, and hopefully talk to someone. When I tried to pay the {$7400.00} they claim I owe, I was refused to be able to pay it. THIS IS INSANE, CRUEL AND I PRAY ILLEGAL! I called them and was told Capital One 's attorneys are handling this now. XXXX XXXX XXXX # XXXX. I obtained an attorney - XXXX XXXX # XXXX. PLEASE help me get my mortgage down to what I truly owe and let me pay it!! THANK YOU SO MUCH!!
Due to my financial situation in   XXXX   XXXX  , I agreed to put my  American Express acco unt on a payment plan in the amount of approx. {$2600.00}. At that time, I understood that I will be unable to use the card however it  XXXX  be reinstated after the payment plan period. I agree to have  American Express  automatically debit my account month. On   XXXX   XXXX   XXXX  , I received a letter from  American Express  notifying me that that account was sent to a collections agency. I never received a letter or notice that the payment plan was expiring and what next steps were.  American Express  did send Account Snapshots with the balance and other information but nothing in those communications ( last on  XX/XX/XXXX  ) notifying me the account was sent to a collections agency. The amount in collections in approx. {$440.00}. I spent approximatel y 90 minu tes on the phone with various  American Express  departments only being told that it was system generated and could have been prevented had I paid past due amounts - I told them how can the account be past due as I was making payments on a regularly scheduled basis. What really concerns me tha t American Express  would be willing to send to a collections that last amount and the supposed failure to pay a past due amount of {$40.00} after an agreed payment plan paying back {$2000.00}. They refuse to reverse their decision. I have been an American Express cardmember since  XXXX  paying as agreed but having only one time an issue in repayment I felt that they treated me with a disregard in terms of the over 20 year period of excellent credit to make such an awful decision.
This company ran a hard Inquiry against my credit report without approval. I have attempted to communicate with the company to resolve this but have received no response. Please remove this from my credit report. 

Inquirer Name : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Recevied a response letter back from XXXX and XXXX credit department on XX/XX/XXXX. They did not address the iusse and they did not answer my question. Now it look like to me they are giving me the run around. On the XXXX first declined letters from XXXX XXXX and XXXX 's specifially states the following reasons were too many public records and they specifially pull my XXXX credit report. I am very aware what is in my credit report files. I ask a specify question ( what is consider too many items on ones public records credit report ) .I fine it odd that when I question XXXX and XXXX credit desesion I am getting the run around. The letter I received from XXXX XXXX and XXXX 's executive office found now states I was declined because of a bankruptcy file XX/XX/XXXX. After I question their first credit decision and asking a specify question which they never answer. On all XXXX declined letters they did not state anything about a bankruptcy on any of the letters. Now, I have a second question ( why XXXX and XXXX refusing to asnwer my first question ). I pointed out and I ask a question about their discriminate credit decision so they just send me letter avoiding the iusse by fining something else different. Yes, it make me feel I have been discriminate against due to where I reside like I stated in my first comlaints.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime.
I am a victim of identity theft when my wallet was stolen. Someone went out and bought a bunch of cars and credit cards in my name and then didnt pay for them and now my credit is messed up. XXXX and XXXX complied and removed the accounts but equifax is not removing the XXXX accounts that are not mine. I have a police report and the vin numbers for some of the cars are on there. I need these accounts removed asap as it is ruining my credit. I have spent several months on this and they are not following the FCRA 605b. The police are investigating the persons they believe did this. Their names are XXXX XXXX and XXXX.
This is in regards to 2 accounts that I have with XXXX   XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX  and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX " free night '' benefit. This is wrong and dishonest.
For the past 12 months I have sent information to Equifax asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from Equifax is verified.
I have been trying to dispute a large amount of money. I have been given the runaround from Capital One. First they lost my certified packet that I sent for my dispute. Then I had to upload over 100 pages to them with an expert who verified that the large charge was invalid. After speaking to many different supervisors they did nothing. They kept telling me that they would escalate this, but in the end I received a phone call from someone who was foreign who had a hard time explaining why this was not allowed. After all of this mess I contacted the Executive Resolution Center ( you can only fax them ) and explained my case along with the Chargeback reason code XXXX, which is where my dispute is valid. This was faxed on XX/XX/2018. I have heard nothing back from them. However Capital One called me the other day telling me that they were adding back XXXX to my card. The Executive Resolution Center does nothing. I have many emails and a paper trail of all supervisors and staff I have spoken to.
This concerns Citibank and their response to fraudulent charges made to our account on a debit card. We saw charges to XXXX that we did not authorize, called Citibank immediately, and the charges were appropriately removed. About two weeks later, we saw those charges re-appear on our account, with an additional new charge, and no description whatsoever. When we contacted Citibank, after over two hours of conversation with various staff and being forwarded multiple times, we were told that the dispute had been refused. We had been given no notice of the refusal, no notice that the charges were again being placed against our account, and no information on what information XXXX had provided to assure Citibank that we had indeed authorized the charges. On the phone, Citibank was completely unable to provide us with any information as to why the dispute had been resolved in the way it had, as to why they now believed the charges to have been unauthorized, and admitted that they had sent us no notification as to the resolution of the dispute, as to the re-charging of the funds to our account, nor any opportunity to respond to the findings. We did not in any way authorize these charges to XXXX, Citibank did not follow proper notification to us, and XXXX ( group number XXXX ) stated that they could not credit the funds back to us pending our request that the decision be appealed. So, we were the victims of debit card fraud, the fraud was found to not be authenticated for reasons that are completely unknown to us, we were not given any notification of this decision, and charges ( including a new charge that we had never seen before ) re-appeared on our bank account with no description or warning whatsoever. Fortunately, we had enough funds in our account to not overdraw any bills, but that could have easily happened otherwise. Upon calling Citibank, they were unable to justify their decision, provide any explanation whatsoever, nor could they refer us to someone who could provide information. They acknowledged we received no notification, and that we were entitled to an explanation but that they could not provide one. As far as we are concerned, Citibank ( and XXXX ) now have financially benefitted from fraud perpetuated in our name and we are being charged for something we did not authorize, did not purchase in any way, and we have been given no reason why this is the case or any information we can use to challenge the decision made by Citibank based on some kind of fraudulent information provided by XXXX. 
We have no idea how to pursue this matter further and feel we should not have to pay for something we did not authorize and should, at the least, have been provided notification and information regarding how Citibank came to this decision and an opportunity to address it. We have filed for an appeal, but Citibank refuses to remove the charges from our account and we are told the appeal process could take many months. In the meantime, they ( and XXXX who we will never use in the future ) have our money without our intent or authorization. 
We 've had many problems with Citibank, especially their fraud division, but this was by far the worst.
While deployed I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed
Sears/Citi-Bank Master Card : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the clo sed Citi-Bank Master Card wh ich they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX  r  XXXX  and had  XXXX  ; so I was out of work for at l east two ( 2 ) m onths ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at l east three time s to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ; Sears is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles al so. Citi-Bank is who the Master Card was a ffiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with Sears/Citi-Bank will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor
XX/XX/XXXX both my credit report and husbands showed on Experian the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.
Has not posted my direct deposit in the amount of {$1100.00} on my payday which is today. When I call no one can tell me when it will post or why it has not. Please help!
Bank of America violated the Federal Debt Collection Act by continuing to attempt to collect a debt on a Home Equity Line of Credit after it had been discharged in Chapter XXXX Bankruptcy. Bank of America also violated the Fair Credit Reporting Act by reporting the debt incorrectly to the Credit Bureaus and the IRS. The debt was discharged in bankruptcy on XXXX XXXX, XXXX, and Bank of America is reporting a charge-off dated XXXX/XXXX/XXXX via XXXX for {$71000.00}.