WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX- corrupt, incompetent. 

I have completed 2 XXXX degrees back to back with a XXXX GPA. I have not found any work since graduating in XX/XX/XXXX and I have applied for over 40 jobs at the XXXX XXXX XXXX where I live and I have not even been called for 1 interview. I have had my loan in deferment and I contacted XXXX in XX/XX/XXXX to ask about renewal and I was told to submit a renewal on XX/XX/XXXX. I did this, and then they denied my deferment and said they wanted 6 paper job applications mailed to them. I already regularly search the local employment agency jobs as required and I was connected to the manager of the agency of it by email and she sent me their online site so I could search for jobs. But the official employment agency site has old, expired jobs, and I use other much better sites such as the direct XXXX XXXX XXXX employment site, and direct business local job sites, that are much better. 
In XX/XX/XXXX I emailed, and XX/XX/XXXX land mailed XXXX 10 job applications that I had submitted to the XXXX XXXX XXXX. They never acknowledged them and then they sent me a bill to pay. I called and they said they had not received my letter yet, but to ignore the bill. I called them again in XXXX, and XXXX several times and they told me they were back logged and that the person I spoke to should have never asked me to send them the additional applications that I submitted. They told me that I should receive a confirmation email of my deferment by XX/XX/XXXX, but I did not. Today, I received a past due bill from them telling me that I am in default, and have a bill due with late fees, and that I would have to pay collection fees, etc. I called them and each time I call I am told something different, this person today, told me to resubmit applications to them again. Today, I re/sent the email to them that shows that I submitted job applications back in XXXX, and had applied for a renewal of deferment then and I told them I needed them to put my loan back into deferment. Their response was that they just sent me a link to a deferment form and no comment. They are the most incompetent and fraudulent business I have ever had to do business with. I need my loan kept in deferment, I am XXXX!! I have to manage a health XXXX and their continual harassment is harming my health and making my XXXX worse. I need them to put my loan back in deferment and remove any fees, payments they have added, as none were due because I applied for my deferment before the one I had in place expired. 
Please help me with this. 
Thank you
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union Universal Cr Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
Universal Credit Ser Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
1. We have opened and have been using checking and savings accounts with Wells Fargo Bank. 

2. Recently, we have started noticing evidence that all of our accounts with Wells Fargo have been controlled by the National Security Agency from the time we opened our accounts until now ( as of XX/XX/XXXX ). 

3. National Security Agency decides what transactions will be approved at what time in our accounts with Wells Fargo. 

4. We have also uncovered evidence that National Security Agency has been XXXX our family as you read this. This led us to the discovery with respect to Wells Fargo Bank. 

5. We want to know from Wells Fargo, Answer to the following question : " Did Wells Fargo at any time worked with the National Security Agency with respect to the activities in our accounts? ".
Ive tried getting help from customer service with removing unknown inquiries from my report, but they werent helpful. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
To whom it may concern ; I am writing with an update per a previous claim I filed within this portal ( Case number : XXXX ) concerning one of my XXXX card accounts. As I stated in the aforementioned pervious case, I have closed this account due to fraud and unauthorized transactions. As of today, the account was reporting in accurately and I am attaching a letter that was sent to me from XXXX validating that the card was both closed and paid in full with a {$0.00} balance. 

XXXX Acct : XXXX Limit : {$4000.00} Balance : {$0.00} Last reported : XX/XX/XXXX Opened : XX/XX/XXXX Please update my credit file to reflect this information. 

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # : XXXX
A collection account is showing on my credit report from SECURITY CREDIT SERVICES. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with SECURITY CREDIT SERVICES. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
i am a XXXX person with XXXX XXXX XXXX XXXX i have medicaid an medicare and they paid all my medical expenses so i do n't know what this debt is
I applied for a XXXX XXXX card ( ending in XXXX ) in XXXX of 2016 with a bonus of XXXX XXXX  XXXX miles after spending {$1000.00}. Upon receipt of the card, I noticed the card I was approved for was a lower tier card with only a XXXX mile bonus. I called BOA and asked to change the higher tier card ( as I had the credit score and qualifications and wanted the higher bonus for travel purposes ). They agreed and re-issued the card ( ending in XXXX now ) and advised that I would have the new bonus offer since the card was not the Visa Signature vs regular Platinum Plus. I went to use the points and earlier this year and noticed that they still only applied the XXXX bonus miles. I have contacted BOA a number of times and received no reply ( via letter ) and via phone, nobody was able to assist me and my escalation was never followed up on.
Back in XX/XX/XXXX, I joined XXXX XXXX ( XXXX ) and left for XXXX. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to EOS XXXX. A little over two years ago, back in early XX/XX/XXXX, I started receiving the initial contact from EOS. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted all XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by XXXX about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of EOS XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into EOS XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.
When I initially went in for the loan on the products I was told that I was in a non interest-bearing loan and I purchased 3 items from Conn Corporation. And they did not have one of the products in stock that I ordered so I had to come back and get the product and once I came back to get the product they said they had to redo the contract and by doing so they said that it added an interest to the loan which I initially signed for a non interest-bearing loan so my products went from XXXX to XXXX because of Interest I've tried talking with many representatives of the company but they all give me the same thing and I also noticed initially it was a lot of young people working there and they were trying to get the credit for selling the loan so it was a lot of crooked work going on but by this time it was too late for me to do anything. I tried to give products back but they refused to take back and they are constantly reporting every month late payments to my credit. I feel as though I've been railroaded into a loan and there is no resolution through the company other than to pay the loan. And I refuse to pay the loan and the recourse for that is that a report on my credit every month late payment or just put in my credit score on a derogative state
they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.
I applied for refinancing of my home through the same bank ( Citi ) which has held my morgage for some time. I initially was told that because of some special program, my credit would not affect me. While I was completing the application on the phone, I was asked whether or not my son ( whose name is also on the Mortgare ) was marry. The answer to this question is yes. I was advise that I would have to take him off the mortgage, and I agree. I was then asked for 12 months of bank statement which shows that I was paying the mortgage from my account. This information was provided. My bank statement has been scrutinized, and Citi Bank is now questing what are some of my payments. My understanding of when a consumer is asked to provide this document for refinancing is to verify whether or not there are enough funds to pay the mortgage, and not for any other reason/s. In my history with Citi Bank I have NEVER BEEN LATE, THE MORTGAGE IS TAKEN TWICE PER MONTH FROM MY ACCOUNT, THERE IS MORE EQUITY IN THE HOME THAN THE BALANCE DUE TO THE BANK, I AM NOT TAKING OUT ANY FUNDS, ALL I AM TRYING TO DO IS TO PAY LESS MONTHLY, in order to save more for my retirement. Therefore, why the hassle. It is my opinion, this is due to the location of the property.
In XXXX XXXX, I had a landlord and tenant issue with XXXX XXXX XXXX XXXX due to a Rodent infested apartment that management refused to resolve the problem. I secured a lawyer and placed the rent in escrow at the courts in XXXXXXXX and I sued XXXX XXXX XXXX aka XXXX XXXX, XXXX 

With assistance of my Lawyer the management of the apartment complex settled the case without going to court. The matter was settled out of court with a cash settlement. 

There are XXXX buildings within the property. Of which each building had different building names. XXXX of which is the XXXX XXXX where I lived the apt number was XXXX. 

Approximately 4 months ago, I received a letter from a Collection Agency Hunter Warfield XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX stating that I owed a debt in the amount of {$2100.00} with a Collection Account # XXXX. 

I immediately contacted this collection agency and informed them that this collection Agency that this debt to a creditor by the name of XXXX does not and did not belong to me. 

Also, I followed up by forwarding a certified Cease and Desist letter to this collection agency HUNTER WARFIELD. 

On Wed, XXXX XXXX, XXXX, I received an email from my credit monitor that Hunter Warfield Collection reported this Debt that does not belong to me in all XXXX Credit Bureaus. This negative information has been damaging and affected my credit score negatively Even though, I have contacted this Collection Agency and informed them that this is NOT my debt, they continued to report this debt to my credit report. 

This debt that does not belong to me was maliciously listed on my credit report by this Collection Agency Hunter Warfield. I am in the process of being interviewed for a Security Clearance and this negative and malicious information will impact my employment. 

I AM SUBMITTING A COMPLAINT TO THE FTC, BECAUSE HUNTER WARFIELD HAVE VIOLATED MY CONSUMER RIGHTS. 

PLEASE ACCEPT THIS AS MY FORMAL COMPLAINT AGAINST HUNTER WARFIELD..
called company tried to find out what this was and company did not have any of my information not my ss #, date of birth or anything tried to tell them that it wasn't me
I received an Escrow Review Statement from Wells Fargo Bank on XX/XX/XXXX that indicated my escrow account has a shortage of {$8600.00}. Perusing the Statement, I discovered that only {$170.00} had been taken out of my mortgage payment of {$980.00} per month, an amount clearly insufficient to pay the escrow items of {$6000.00} in property taxes and {$1000.00} in insurance ( for a total of {$7100.00} ). Because my home is located at XXXX XXXX XXXX, which is within the city limits of XXXX, TX ( in XXXX County ) but is physically located in XXXX County, it is assessed for property taxes by entities from both counties. Looking at the Escrow Account history from XX/XX/XXXX to XX/XX/XXXX, I noticed that only {$1200.00} had been projected for the XXXX County portion of the property taxes ( instead of the actual {$4800.00} ), and that {$0.00} had been projected for the XXXX County portion ( instead of the actual {$1200.00} ), a gross underestimate. As a retired XXXX and XXXX veteran on a fixed income, I could have paid the {$1400.00} monthly mortgage which would have prevented this shortage. I have contacted Wells Fargo to address this situation, and they have offered to allow me to repay the shortage over 24 months, at {$1600.00} per month. However, I feel that since the Loan Officer was made aware of the {$990.00} per month rent I was paying before purchasing my current home ( the purchase closed on XX/XX/XXXX ), he made certain that the mortgage payment was similar, in order to increase the attractiveness of the loan. The home is not a new construction ( it was built in XXXX ), and the property tax rate actually decreased from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, so uncertainty about the property tax rates during the closing process is unlikely. On XX/XX/XXXX, I notified Wells Fargo that I had successfully challenged the valuation of the property, lowering that amount by approximately {$40000.00} and had added both a homestead exemption and a XXXX veteran 's exemption, with the result that my XX/XX/XXXX property taxes will be reduced from the {$6000.00} paid in XX/XX/XXXX to {$4600.00} due in XX/XX/XXXX, so the escrow portion of the mortgage could be reduced to {$470.00} per month ( disregarding the shortage amount ). Since the shortage is due to a " miscalculation '' by the Loan Officer, which " happened '' to give a mortgage payment {$0.00} less than my monthly rent at the time, do I have any recourse available to address this issue?
I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ),  XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
I recently received a credit card From XXXX XXXX and the legal information on the back of the page with my card says that " Under Federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : ... '' Listed after this are the phone number a mailing address and a Website. I tried by phone and via the Website and I was unable to get a free credit report. 
The Website has a section entitled " Reason for Credit File Request '' of which none of the responses matches the exact nature of my inquiry and none that I tried because they are close, will produce a free credit report. In all cases, my only option is to pay for the report. 
I attempted by phone and after going through all of the prompts I was taken to a busy signal. 
If I am entitled to the report by federal law I believe they are violating that law.
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( Enterprise Recovery Systems ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX the loan servicer, Enterprise Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . Enterprise Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX. The representative from Enterprise Recovery Systems further advised me that XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " Enterprise Recovery System '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
I received notification on my credit and a letter from XXXX XXXX XXXX XXXX that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XXXX and once in XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX.
Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
I recently applied for a loan online from Lending Tree/XXXX XXXX and was pre-approved, and then proceeded to complete my application by phone. I was told over the phone that the loan had been finally approved at the rates I was quoted online, but was then transferred ( by phone ) to a local branch to make an appointment to sign the paperwork. That phone representative then quoted me a rate more than twice the original amount and tried to sell me an auto loan instead. 

This is a classic bait-and-switch scheme. They may have fine-print disclosures in the Terms and Conditions, but they should not be allowed to misrepresent the product to the consumer in this manner, which is misleading and false. They prey upon desperate consumers who need funds on an urgent basis and wear them down by keeping them on the phone for a long time, ultimately persuading them to accept a product for which the consumer pays a drastically higher rate, if they agree. 

They transferred me several times, and finally connected me to some kind of financial institution called XXXX XXXX XXXX at XXXX XXXX XXXX. in XXXX XXXX, NJ, XXXX. 

This is truly a horrifying scheme.
Im having trouble logging into the online account for an XXXX store card ( Synchrony Bank ). They locked me out because I cant access my old phone for SMS verification and they dont want to accept my new phone number. Thus I have no way to pay my bill.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX Equifax XXXX XXXX : XXXX XXXX   XXXX, XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX.
These random companies keep pulling my credit report and I have not authorized any of these credit pulls. Every time I check my credit, a new hard inquiry is on my report and I have not agreed for anyone to pull my credit.
XXXX XXXX XXXX keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly. 

I have been disputing with The credit bureaus Equifax and XXXX and they have yet to prove that this is mine. XXXX XXXX IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted