WillisBack/dataset-financial-user-claim huggingface dataset:
On my Experian account it shows that I have XXXX unauthorized inquiries, XXXX from XXXX and XXXX from XXXX XXXX XXXX ( Experian & XXXX ). I called Experian and they told me that they can not do anything but report the inquiry. 
Regarding XXXX - I called XXXX customer service and they advised that they can not speak on behalf of XXXX. So I called XXXX their phone number is disconnected. I have a XXXX credit card because my XXXX XXXX XXXX card was automatically transferred. The transition was a nightmare, they did n't send me my card, i had no idea my new account information, and now i see that XXXX is making hard inquires to my credit. 
Regarding XXXX XXXX XXXX - they made a hard inquiry on my Experian & XXXX credit report in addition to where I leased my car which is XXXX XXXX. Not only that, they obtained my credit report after I closed the deal with XXXX XXXX where a copy of my credit report was shown to me. 
I reported both unauthorized inquires to Experian and each time they told me to call the XXXX & XXXX XXXX XXXX because they can not do anything but report. 
I would like to remove these unauthorized inquiries from all credit bureaus.
We purchased a home in XXXX 2006. We had one mortgage on the home, however, over the past 8yrs, we have been receiving calls from collection agencies stating that they were collecting for a second mortgage. The debt has been transferred to different collectors while we have been trying to sell this home without success. We were able to confirm with the first debt collector that this was n't a second mortgage, but then they sold the debt, and now we are back at square one. I was advised file a complaint to take a look into this situation.
Equifax was hacked and lost millions of American citizens information. I was a victim of this and as such now have to pay not only equifax, but the other two credit reporting agencies as well to freeze my account to ensure no fraud takes place. I should not have to pay to correct a mistake that a large corporation has made. The date I was notified ( through the internet, not from the company ) was X/X/2017. Not only did the company not inform me I had been a victim, I had to go to a website they created to check if I was affected. The website also tries to trick customers into waiving their rights to sue in a class action lawsuit when they are trying to find out if they are a victim or not and is a shady business practice.
Experian is ignoring my requests to investigate, verify and remove an account from my credit report that does not belong to me.
multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a XXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX XXXX XXXX XXXX XXXX  lexisnexis all guilty and have lied to me on paper about what they have done.
Let me tell you I am not well educated on mortgages 1 interest rate was increased dfrom that first time offer 2 after final approval they extended that loan to loose my Rate extension, and past my dwellingins, trying to push avoid my contract.

3 they trying to avoid to take my XXXX dollars down payment. 
Loan officer XXXX XXXX told those XXXX need to put after my My first payment toward interest. Record of this call exist 4 then XXXX XXXX yell and try to stop my loan Then he told that differences on my mortgages With XXXX dollars Down will be only XXXX dollars a month, record of this call.

5 they have been pushing this loan over the date to make my rate expire I do really need help with these people.
I sent a request to Equifax , that I will attach, along with my ID documents in XXXX. I just realized they never responded to my letter.
My rental car was broken into on XXXX XXXX, 2016 while I was shopping at XXXX on XXXX XXXX, XXXX. My bag was stolen with XXXX of my credit cards, cash and my driver 's license. In less than half an hour, ( I was not able to inform my credit card company of the theft as I was driving home ), XXXX cards were used at XXXX XXXX in which over {$5000.00} total was spent from XXXX cards. I called XXXX credit card company within 45 mins of the theft, XXXX were able to reverse the charges. HOWEVER, I have been " battling '' with AMEX to reverse the charges that were imposed by the thieves. I have attached the letter that came back from AMEX, informing me that the fraud charges can not be removed. I have also attached the XXXX Police Dept Reportee follow up note showing proof that the theft did happen. I CAN NOT understand WHY AMEX is denying the fraud charges when even XXXX 's fraud dept admits " wrong activity '' on my cards. As you can see from the docs, the last letter from AMEX attached a receipt of the purchases. The receipt HAS NO signature!!! I have tried contacting XXXX fraud dept to see if they can help me reverse the charges. Unfortunately, they were of NO help indicating that it was a third party credit card. My understanding with credit cards, especially AMEX is that the consumer is not responsible for fraud charges, as such, I am reaching out to your bureau to help me resolve this " nitemare of a problem ''! Dealing with the car theft and broken window on the rental car is already a stressful situation, I do not believe that AMEX has added " salt to injury '' by making these fraud charges unresolved. Please HELP!
Loan was paid in XX/XX/XXXX. In XXXX, 4 years after I moved from VA ( moved in XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by Check Into Cash representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan Check Into Cash had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that Check Into Cash is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from XXXX attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX Check into Cash contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.
According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney
Equifax hack put my credit and social security number at risk. The solutions offered such as one year credit monitoring and 90 day fraud alert seem insufficient. I have little control over my personal information stored by Equifax but face the negative consequences if something occurred.
I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX and Caliber Home Mortgage.
My initial loan with Navient which at the time was Sallie Mae began XX/XX/XXXX. The loan was for {$6300.00}. I did not begin the process of payment until XX/XX/XXXX. My payment was {$64.00} per month. Now as of XX/XX/XXXX my payoff is {$8200.00}. My payment is {$110.00} per month. My interest now stands at 11.625 %. In XX/XX/XXXX my payment was {$110.00} and continues to increase every 3 to 4 months. There were some deferments but I have made on time payments every month since XX/XX/XXXX. I spoke to a Navient person directly and she told me that approximately {$33.00} per month is coming off my balance and the rest is going for interest. I reviewed my records and the tax form that Navient provided on interest paid for XX/XX/XXXX is {$1300.00}. My payment records show that I only paid Navient {$1300.00} for the year of XX/XX/XXXX. I also tried to remove a cosigner from the loan. It states on their website that you have to make 12 on time payments to allow a cosigner to be removed. I was told that I was very delinquent on my account and could not remove the cosigner but my cosigner was never contacted about my delinquency. As I stated earlier I have not missed a payment since XX/XX/XXXX. I am now XXXX and no longer able to work and this loan places a financial strain on my family. What makes the situation worse is that none of my payments are bringing down the balance of the loan. In fact the balance is almost {$2000.00} more than when I began repayment. Thank you in advance for any assistance you can provide.
When I asked the representative for American Express Serve what country he is in, he stated " United States ''. I do not want to give out my personal social security and date of birth to persons outside of the United States. He lied to me to get the last XXXX digits of my social security number.. When his supervisor answered the phone she, I asked her what country she is in, she started to dance around the question, then answered " XXXX ''. 
I asked the question because I do not give out my personal information to service people not in this country. 
This is fraud. 
This is fraud at the service level.
I bank with Wells Fargo, Checking account and savings. Wells Fargo is engaged in illegal business practices of my account. Yes I have been overdrawn a bit. I am a XXXX veteran, I have direct deposit. On XX/XX/XXXX. I deposited XXXX in my account. A Ga. Lottery check. I told the teller to take the money out for the overdrawn amount. He did n't. Instead he gave me XXXX And said he was going to deposit XXXX And on the next day I can come and get the other XXXX. He did n't tell me anything about the hold until after I had deposited the money into my account. I got the XXXX out the next day but they charge me the XXXX plus the overdraft fee. I need my money. They put a 10 day hold on a Ga. Lottery check. They do n't always put hold on certain customers checks. I have been having problems with them every since I been with them. It does n't take 10 days to verify a state check. I have deposited one before and they did n't put a hold on it. And I was overdrawn at that time. I ca n't pay what I needs to pay and get me some food. They have made it to where I do n't have no choice but to get my money out what ever they allow me to have for my personal use. Which have created more overdraft fees. I tried to resolve this matter several times with them to no avail.
AD Astra Recovery Services sent me a copy of an agreement of a debt they are trying to collect but did not verify it is mine. I have already tried to have them remove the bad debt off of my reports but they wo n't budge and are not verifying the debt is mine.
Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXXXXXX XXXX account has errors, and Credit Reporting Agencies has ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXX as  a creditor when i have presented proof from XXXX XXXX XXXX stating, XXXX XXXX  XXXX is a creditor.
Since XX/XX/2017 I have sent in numerous written requests to the credit agency Experian in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. I have requested debt validation per FCRA Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have received nothing in writing, nor have I received any of the information by them validating this debt is mine. This is a clear and blatant violation of section 609 because nothing was provided to me. I have sent in a notice of deletion from the same company that appeared on my XX/XX/XXXX report but still no action was taken by Experian except a reply of this debt has been validated, but when I ask from proof of validation I receive no information or paperwork. I am humbly asking that this matter be investigated.
I transferred a small balance from an interest charging credit card to Discover card so that I could take advantage of an interest-free offer for a specified period of time which I believe was one year. Apparently that time period has expired inasmuch as they have, without ANY prior notice, charged me interest on the balance effective this month ( XX/XX/XXXX ). I have done this with other cards in the past and I have always received notice that the 0 % interest rate is about to expire. I have double-checked the prior 2 moth 's statements just to be sure I did n't miss something! I can not find anywhere on those XXXX statements where I was in anyway notified that my 0 % interest rate was about to expire.
these people call you twenty times a day on all my phones burning up my minutes 1. XXXX 2.  XXXX 3. XXXX 4. XXXX 5.  XXXX is their any way they will stop calling they call me about the irs warrant for my arrest student loan idont have a student loan. 3.health insurance with XXXX XXXX 3 times I have called them about the birth date being wrong never gets fixed near. then their is the fireman ball or policemans fund. XXXX XXXX XXXX  credit card fraud you have to have a card first to have fraud
EQUIFAX reinserted a closed account in which I have no account agreement or signiture showing agreement to account # XXXX. On report it shows XXXX balance and XXXX due. 
I have no knowledge of such an account.
Again, WellsFargo has falsified pending transactions and available funds. They have failed to show pending transactions when they were initially made and rearranged charges in order to increase the overdraft fees. Apparently they have learned NOTHING from the previous class action suit. Transactions from XX/XX/XXXX-XX/XX/XXXX did not appear until XX/XX/XXXX-XX/XX/XXXX. A single transaction from XX/XX/XXXX didn't show up until XX/XX/XXXX and it was never shown as pending.
On XX/XX/XXXX I called Sallie Mae to request my account go into forbearance because my parents had gotten divorced and i had to move to Florida to support my mom, which made me financially unable to pay the loan that month. The representative on the phone accepted my request for forbearance and told me that I would not have to pay anything for the month of XX/XX/XXXX and my regular payments would start back up in XX/XX/XXXX. I said that was more than fair and I even asked him to repeat it because this is the second time now someone there has said I would be going into forbearance for the mont. This is also the second tie they lied to me. Come to find out today, XX/XX/XXXX, I get a call from them saying we I'm 60 days past due, and I'm not in forbearance because they payment did not go through. Firstly I knew nothing about a payment, and second they should not wait til I'm 60 days overdue to tell me that they made a mistake on my account.
I recently received notification via us mail from credit collection services a collection agency for XXXX cable ... I do n't owe any such debt.. this account has been sold twice in XXXX days by XXXX..
This is on my credit reports, but is not my account : XXXX XXXX   Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %
The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my discharged bankruptcy
Bridgecrest is reporting falsely every month on my XXXX  Credit Report. This account was closed due to a lemon vehicle that they sold me that did not work properly in 2009. It broke down on me several times within the years I had it. I filed many complaints with the company. Finally the transmission blew, I towed the car to them, and they refused to help other than to trade in for a another car with them. The transmission cost more than the car was worth. They sold the vehicle at auction {$2900.00}, then asked to negotiate for $ XXXX  years later after they had already ruined my credit. This account is closed, reappeared again, and every time I dispute it they Update the status with the current date. It was removed then popped up again! They started to report it every month as " failed to pay '' since my disputes. I humbly asked them to remove it since its passed over 6 years and its going to drop from my report, but they keep saying they will not. This vehicle never worked properly and was a hazard to my safety. It was a XXXX XXXX with constant problems and parts needed replacing all the time. They acknowledged this as every time there was an issue I called them. This account should be dropping soon and their reps threatened me that now it may stay on my credit for 10 years not 7? They stated the only ones that can remove it is XXXX   and to call them instead. Yet XXXX stated they are posting what Bridgecrest is reporting to them.
In XXXX our now bankrupt lender XXXX paid our escrow shortgage and foreclosed, which we modified with them. In XXXX chase assumed the loan when our lender seized operations, Chase immediately started sending our modification payments back & restarted a foreclose. The primary borrower filed a chapter XXXX to stop a sheriff sale. Which we then agreed to try to sell the home to buy time which Chase then agreed in XXXX to modify our loan. Our issue now is the loan fell off both mine and the primary borrowers credit due to the 7 year delinquent payment rule. In XXXX of XXXX chase decided to re list the mortgage on my credit only which shows a balance higher then I owe and showing the last payment received as of XXXX. my issue is I disputed this asking that Chase report the correct balance and the last 18 months payment history, in my now fifth dispute it has not changed Chase stating the information is correct well today Chase told me in a letter it is up to the credit reporting agencies on what they surpress and they ( Chase XXXX has done all they can do to report it due to BK protection laws and that they can not report any information on the loan once a borrower files a chapter XXXX. This is my issue if they can " not '' report due to the chapter XXXX filing then how can they put a 7 year old debt back on my credit and report a single payment for one month in XXXX then record a higher balance and add XXXX payments past due " IF '' they can not update info once XXXX of the borrowers files in my case the primary borrower filed a chapter XXXX in XXXX thus, Chase just reported incorrect info 6 years after the BK and refuses to remove the incorrect info or the debt that went late and stayed late since XXXX till modified in XXXX. I need help understanding how they can say we can not report your good payments under the modification nor can we report the correct balance you owe due to the XXXX chapter XXXX but we will report the loan as modified a high balance then you owe and one months payment so the 7 year clock starts again and this ends up on your credit for another 7 years since we report it as an open account. this seems like a bit of a double standard what they are doing. So again I ask for help understanding the protection laws for myself, if they can not report my good account then why can they update a bad account after one files chapter XXXX. Thank you in advance for your time
I was approved for the XXXX  upgrade program with XXXX through Citizens One Personal Loans Account # XXXX. XX/XX/XXXX I received a letter from Citizens One regarding the above listed account number. I was told that there was a balance that had not been paid when I upgraded to a new phone and the account number changed. Upon calling on XX/XX/XXXX, I was told that the problem with the billing was due to Citizens One. I was not told of a work/investigative ticket # XXXX initiated by Citizens One until my recent phone call on XX/XX/XXXX after being denied the ability to upgrade. With the reason being POOR CREDIT PERFORMANCE WITH CITIZENS ONE. The outstanding debit was {$20.00} that I was unaware of until XX/XX/XXXX. I paid this outstanding debit on XX/XX/XXXX via debit card. I am fine with resolving the debit, but am not fine with the charge off that could have been and should have been prevented. I was never notified that Citizens One investigation with XXXX showed that I was the person that needed to cover the outstanding debit. I did not receive any correspondence via physical mail nor e-mail regarding the findings of the ticket/investigation. The above listed account was paid by a credit card that I provided, but was not charged the outstanding amount. I was given a new account and have paid it without fail as I did the above listed account until this issue.
plaza services XXXX did not call me or send a letter stating i owe this debt, also not giving me verification of this debt, or a chance to dispute this debt before reporting it to the credit reporting agencies. now this debt is reporting on my credit report causing my credit score to drop XXXX points, disqualifying me from receiving the home loan i currently applyied for