WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page XXXX5 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXInquiry Type : Individual XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
I have had a Bank of America credit card for over 13 years ( taken over from many more years prior with MBNA ). This card has a fixed rate of 5.9 % that originated from before Bank of America acquired the card. Over time I had acquired a number of rewards points as well which were unused. I have historically had a very good use and payment history. Recently I paid down the card to what I thought was a {$0.00} balance. I attempted to use it recently and it was " declined '' causing me embarrassment and inconvenience. I called customer service and after a 30 minute wait was told the card was closed. I did not ask the card be closed. I was told the reason for closure was a " business decision ''. I was also told there had been an approximately {$29.00} balance on the card for the previous 2 mknths that I had not paid. I never received a bill for the balance nor did anyone contact me via telephone. Because I thought the account was paid off I did not expect to get any billing statements and thought nothing of it. Given my extensive history and good relationship I would have at least expected some sort of contact, even a letter, none of which I received. I believe in fact that Bank of America was looking for a way to get out of a low and fixed rate contract which they would never offer to other clients and made a " business decision '' to close it in violation of the contract ( and keeping me from knowing of the outstanding balance to ensure they had a " reason '' to close it ). They have denied me my reward points and use of a favorable credit card all for their own benefit. I believe the account should be reinstated with the same terms and conditions. Lost money listed is my estimate of the rewards points value. XXXX exact value.
I obtained my credit score from my XXXX XXXX XXXX  app and noticed it dropped 280 points. I read the summary under the score and it said, my revolving limits were maxed out and I had numerous late payments. All of which is wrong, I have 0 revolving account balances and haven't missed a payment in 9 years. I went to the bank, we went on XXXX XXXX XXXX XXXX. XXXX  and XXXX  were correct Experian wouldn't let me log in, it said my information was incorrect. After several attempts with numerous phone numbers and robo circles that went to dead ends. I finally was able to talk to someone and they referred me to someone else. Appearantly Experian mixed someone else 's info in with mine. How does that happen? How can my score drop 280 points over night and not raise a red flag with them? They said they have it cleared up now, but I am waiting for my hard copy of my credit report in the mail. I have been a victim of ID theft already and it was a nightmare. I told the guy, ironically enough while waiting for you I heard numerous ads on how you were protecting us and we could pay for more protection and here you are the one I need protection from.
I worked diligently to make 12 monthly on-time consecutive payments ahead of applying for cosigner release. Navient denied my application stating that I had not made the necessary on-time consecutive payments when in fact, a look at my statement clearly shows the payments were made as required. A representative for Navient tried to tell me it was due to how I made my payments ( I have my payment go from my bank to Navient in XXXX installments each month, both completed before the due date ). They further claimed that a couple of my payments were less than required. At this I asked if it was the case, then whey did I not received a late notice or fee. I shared with representative I spoke with that the payments were smaller in the cited months because the interest rate was lower. Still I received no acknowledgement that the payments were on time. 
Further, in my communication with Navient, they said they had only looked at one criteria for the denial and had not even looked at others such as credit score, etc. yet. My question is if there is an application submitted, why not weigh it against all criteria at once. Why tell me no, then if I get over that hurdle, tell me no again for another reason. Navient painted a rosy picture misleading me that the cosigner could be released, but instead have put up tons of roadblocks. Clearly, Navient has no intention of releasing the cosigner and will continue putting roadblocks to prevent this from becoming reality. 
Morever, there was a time when I was experiencing hardship and called Navient to ask that they reduce my payments. I indicated that I could pay {$50.00} a month. Navient steered me into deferrement ultimately increasing the overall cost of my loans. I 'm not in the business of quoting Donald Trump, but " These are some very bad people ... '' Even today, my loans are strangling me. I do n't even bother to call anymore, I just pay and sacrifice the rest of my life. Another quote " Sad! ''
I accidentally made a credit card payment to a closed account. I contacted the credit card company regarding the payment. They Con firmed they received the payment and stated they have up to 30 days to return the money! It 's been 38 days and 3 phone calls and still have not returned my money.
I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
On various dates shown below, I did not authorize the following transactions : XX/XX/18 ( {$150.00} ) XX/XX/18 ( {$300.00} ) XX/XX/18 ( {$450.00} ) XX/XX/18 ( {$700.00} ) XX/XX/18 ( {$1000.00} ) XX/XX/18 ( {$400.00} ) XX/XX/18 ( {$300.00} ) XX/XX/18 ( {$500.00} ) XX/XX/18 ( {$500.00} ) Total : {$4300.00} However, after filing a claim ( Claim # XXXX ), Chase denied my claim. Now I have incurred a loss of that amount. Please help me rectify this issue.
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, Equifax and XXXX credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX
I got a loan from Key Bank for a pool in XXXX. I ended up short selling the house in XXXX, and stopped paying the loan. The loan was sent to collectors and I arranged automatic payments with them in XXXX. I noticed after about a year that the amount owed was n't going down, so I called and spoke to the collection agency and they told me that Key Bank was still charging interest, as they did not and could not charge interest. I called Key bank and they had no idea how that happened. The interest charges stopped after that. In XXXX, my automatic payment stopped, so I called the collectors and asked why, and they told me Key bank took the debt back. I called Key bank and was told the want the entire amount owed, not the little payments I was making, so I said send me a bill. The bill never came, and I got a call from XXXX XXXX on XXXX/XXXX/XXXX at XXXX, and he had no records of my previous contact with Key bank. I requested my proof of payments from him, and I gave him my address, and I 'm still waiting. Key bank has my address and phone number, but they keep calling my mother and harassing her. I need proof of payments from them to show that they were charging interest on a debt they had transferred to collectors, please help, thank you.
I was notified from the credit reporting that a loan was applied for from this company. I did not apply for a loan nor have the means to apply. My social security was stolen and I have been trying to resolved the issue. I have no credit in trying to apply for a loan.My account is flagged from all bureaus as alert on my account for fraud.
The company below has placed an old XXXX XXXX account on my credit report opened XX/XX/2014. I have never received anything in the mail from them and I have never done business with them. They are reporting this erronouse debt twice on my credit report with two different balances, {$310.00} and {$170.00}. This negative report has ruined my credit and cause me to be denied for new credit multiple times. 

TRI-STATE ADJUSTMENT XXXX XXXX XXXX XXXX. 
XXXX  XXXX, WI XXXX ( XXXX ) XXXX
XXXX XXXX/XXXX reported an account on my credit which I never initiated. I contacted them directly and it appeared to be a scam as they were asking for personal details which they would have if in fact such account exsisted. I asked them to submit proof of what I signed or requested, they said they would provide it but never do and now they don't even take my call. 

I contacted the credit bureaus and asked them to investigate and remove this fraudulent item ... XXXX did investigate and remove the item, however Transunion refuses to investigate. I have called them 8 times to ask them to please investigate and they do not. This is item is fraudulent and should no be showing negatively on credit. 

please help
This complaint is to address the issue of Wells Fargo breaching a contract on a short-sale that they owned and i was trying to buy. We reached an agreed upon purchase price XXXX XXXX 2016. All parties involved set a closing cost date of XXXX XXXX 2016. Myself and my bank did everything we needed to do to be ready for closing on XXXX XXXX. On XXXX XXXX at around XXXX i received a call that wells Fargo would not show up to the closing unless i came up with an additional {$36000.00}. Needless to say they they were in breech of contract and in doing so have negatively affected many peoples lives because of it.
Due to an error ( not submitting insurance payment from our escrow ) on the part of the Mortgage Servicer, beginning 2 years previous of notification to me, I was placed on " Force-Placed '' Insurance, and the payments went up from aprox. {$1900.00} per month to almost {$2600.00} per month. 
Even after we got our own insurance, we were considered a " High Risk '' insurance, and ca n't get the rate we used to have, but now have a {$2300.00} per month payment to deal with. 
I want to get my old payment back, as now this is a major struggle to meet payments, and I fear that I will lose my home due to someone 's ineptitude. 
HSBC 's attitude has been one of aloof indignation.
I was looking to purchase a used vehicle last  XX/XX/XXXX . I went to a dealership and we were negotiating a price for a car I liked. I told the salesman that I could probably get the loan from my bank at a good rate. He insisted that the dealership does in house loans and they could probably match the rate and save me the trouble. I told him that I do n't need my credit to be ran around and bounced from lender to lender and he assured me that would n't be the case. Well, I checked my credit report and they tried to get the loan from atleast   XXXX   different banks ( none of which I 've ever even heard of  )!  That  's    XXXX   hard inquires on my credit on the same day! That 's it in a nutshell.
I recieved a notification in the via XXXX XXXX saying I have collection. 
I never any mail correspondence from the XXXX. 
They say they used a previous address, however, I had moved and have all mail forward to my XXXX XXXX XXXX I've had for 6 years as well as receiving many mail correspondence from other bills without incident. For some reason I never received any forwarded bills from XXXX. 

No contract was made to me to collect debt My address was forwarded I was never called about debt XXXX XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX ( hospital bill org )
On the XX/XX/2018 i disputed the tax lien for not meeting the new enhanced reporting requirements but it still remains on my credit report.The federal tax lien on my Transunion credit report from the XXXX XXXX Recorder 's Office do not meet the new requirements under the National Consumer Assistance Plan that states that public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain the minimum identifying information of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Full Social Security Number and/or date of birth. I have reviewed the tax lien and it does not have my full SSN # or DOB on it clearly identifying that it belongs to me. Transunion is not following the rules of the National Consumer Assistance Plan. XXXX and XXXX compiled and deleted the inaccurate information.
Ally bank. I opened a account and deposited a check. They locked my account with asking me. The reps on the phone don't help and they said that's it fine. I lt happened last Wednesday. I called multiple times and nothing happened. I need the money and it's disgusting that they lock my account and nothing happened.
( 1 ) There are XXXX separate collection charges for {$780.00} from different agencies. This is only XXXX unpaid bill. It is an ambulance charge. I have been told no medical charges are to be included in credit reports. 
( 2 ) The unpaid XXXX XXXX bill is likewise a medical charge from the same situation. As it is medical, should it be included? The actual emergency occurred 7 years ago when I was in a minimum wage job with no insurance. 
( 3 ) The XXXX account is the result of a neighbor getting my code, then getting into our home computers and again somehow getting the code when we changed it. XXXX was uncooperative in helping to resolve this matter. The unpaid charges are from the neighbor running up my bill.
Wells Fargo sent me a letter stating that they had miscalculated my student loan payment by using a loan end date that was earlier than it should have been. They " assured '' me that the error was corrected and that my monthly payment was reduced, but they provided me with zero details relating to any of this. They did not tell me how long the payments had been miscalculated for, how much I overpaid, or what my new payment would be. More importantly, they recalculated my payments based on the corrected loan end date, but did so based on the existing balance. This recalculated balance should have been calculated based on the current balance MINUS my overpayment. As we know, payments in excess of your minimum monthly payment reduce your principle dollar for dollar, and this should have been factored into my new payment ... but it was n't. For example, if I should have been paying {$50.00} a month but i was paying {$100.00} a month due to the miscalculated payments, then my principle should have been decreasing by {$50.00} per month for the duration of the miscalculated payment. I am appalled that a financial services organization could either over look this, or try to put it past me. If this is not going to be taken into account, then I would expect this money to be credited to me, plus the average interest rate for that time period, as I could and should have been able to invest that money that I did not NEED to pay that entire time. I need to understand why this was n't done and have the appropriate adjustments made  ASAP.
This is the second Cease and Desist letter that I have sent to   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on   XXXX   XXXX  , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by JP Morgan Chase who is not a party to my Adjustable Rate Note and my Deed of Trust.
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.
Was a victim of identity theft a fraudulent account was open in my name using my identity would not furnished me a copy of a sign documents with my live signature on it.
On XX/XX/XXXX i sent in a Cease to stop with drawling from my bank on XX/XX/XXXX XXXX responded advise it was honored. on XX/XX/XXXX Money Lion still with drew XXXX out of my bank and tells me my email was placed on another account that's why payments were not removed and now they can not refund my money after i spoke to a gentlemen who told me it was approved to be refunded i have all the documents proving i sent in a cease and it was placed on the wrong account
The following inquiries were removed from my transunion report but reinserted without any notification to me. 
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
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX
XXXX/XXXX/2016 - XXXX : Received a call from XXXX direct extension XXXX and person left a voicemail - I checked the voicemail : it says " XXXX XXXX who received correspondences on behalf of his client on a fraud case that will be filed against me in my county according to Federal and State laws. The charges will be filed within 72 hours and that his client wants me to provide a character statement on my defense. The reference docket number for the case is : XXXX ( I have a copy of the voicemail ) - I called XXXX XXXX the number back at XXXX, he told me that he was part of Oracle Financials, which is a consortium of lawyers. He gave me the name of the creditor : XXXX XXXX XXXX and told me that he would be charging me with fraud. I then told me not to contact me and refused to give him any of my personal information - At XXXX : I called the FCDPA for advice on filling a violation claim and for a referral for lawyers - At XXXX : I called the office of a consumer lawyer to see if I could schedule a consultation and left her a voicemail - At XXXX : I called XXXX XXXX XXXX and told them I was planning on filing an FCDPA violation claim. They told me to they had sold my debt to XXXX XXXX XXXX. 
- At XXXX pm : I called XXXX XXXX XXXX and they did not pick up. I called them again at XXXX and XXXX told me they had given the loan to XXXX XXXX - At XXXX : I called Oracle Financial ( XXXX ) and they argued that since the phone call I received did not come from their toll-free number, they had nothing to do with it. When I asked if he were willing to send a verification letter, he said no because he did not want the company to be sued. 
- At XXXX : I decided to call XXXX XXXX so that he could tell me again who he was working for. He did not pick up but his voicemail said he was working for ORACLE Financial - At XXXX : I called Oracle Financial again to inform them I was filling an FCDPA violation claim and wanted to know if XXXX XXXX was working for them ( based on his voicemail greeting ), they hung up on me. 
- At XXXX : I called again, this time I explained my situation to another employee who said he was not qualified to help and transferred to what I believe to be their claims department. The person I talked to asked me for my social security number and since I was already highly suspicious I refused. I was however willing to give them my name and my phone number to check their records. Suddenly, they could not find me in their system. I reiterated my question about XXXX XXXX and asked them if they were saying they did not have a loan under my name. He answered that XXXX XXXX did not work for Oracle Financial and they did not have any loans under my name.