WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is a continuation to complaint XXXX as your investigation was deemed inadequate and failed to provide proof of the company in question ( XXXX XXXX ) legal right as outlined within the Fair Credit Reporting Act. 
It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that you've outlined applies to my communication with XXXX  nor have they provided any proof to the contrary. In addressing your research into my initial complaint with TransUnion prior to my formal complaint to CFPB, I had called Transunion that resulted in phone prompts that went nowhere and provided no resolve. 

My rights as a consumer are being violated and expect this complaint to be taken seriously, as this company XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations.
Capital One applied my {$100.00} XXXX 2016 payment for card ending XXXX to XXXX 2016 thus appearing as though I made XXXX payments for XXXX. This resulted in no payments being applied for XXXX 2016 and a late fee. Upon further inspection I noticed another late fee on both of my cards from the beginning of the year. My employer switched from bi-monthly to bi-weekly pay. I am requesting Capital One to reapply my {$100.00} payment from XXXX to XXXX 2016 as intended. I am requesting all late fees on both cards reversed. I am requesting lower APR 's as both cards currently have excessive rates. I am also requesting paper statements as I have not received any statements and therefore been unable to review my account.
Bank of America is taking my funds from my account for an issue I have a receipt. They told me the receipt is not valid, even tho they submitted the information
On XXXX XXXX, XXXX, I received a call from Navient, the entity handling my school loan. During this conversation, I was told they made a mistake in calculating the interest and in order for them to adhere to the ending date for my loan, they need to change the monthly payment from {$790.00} to {$1700.00}. The ending date for my loan is XXXX XXXX, XXXX. There is only 7 months left remaining on my loam, which I have been paying since XXXX. The {$1700.00} payment is to begin XXXX XXXX, XXXX. I requested a copy of the promissory note/contract, justifying their actions. Initially, I was told they would not be able to locate it because it was so old. I insisted they provide a copy and I was told they would mail a copy to me in 7 to 14 days. I have not received it. I also requested they terminate the Auto Pay feature. They agreed to do so. Yesterday, I received a letter from Navient stating I will be charged additional interest because I terminated the Auto Pay. The letter did not provide any information as to the amount of additional interest. In the same envelope, another letter stated there could be other options available to repay my loan by extending the repayment period up to 10 years. I also spoke with a supervisor at Navient, who confirmed my payment will change due a mistake they made in calculating the interest. Navient gave me less than 30 days notice concerning this drastic change in my loan payment and they have not provided any documentation to support their action. Their internal appeal process takes more than 30 days and can take up to 90 days, which does not allow me sufficient time to dispute their actions before the outrageous payment of {$1700.00} is due.
On XXXX XXXX I contacted the lender to remove the open status from my account and delete it because this is not accurate information and its hurting my XXXX XXXX and is preventing me from getting a job.
My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XXXX my parents took out a loan for {$40000.00} from Chase Bank, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XXXX, they made an agreement to lower the payment, but extend the loan until XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If Chase Bank had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.
XXXX XXXX XXXX XXXX has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The XXXX loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through Equifax as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing XXXX to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the second loan, it should NOT be showing up on my credit at all. This morning I received an email from Equifax indicating that they contacted XXXX and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, pressuring the company to fix their mistake and having them report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.
Identity Fraud committed against me. Someone used my personal information to open up bank account with Capital One 360 online. Credit monitoring service alerted me to this and I called Capital One to inform them of the fraud. They closed the account, but refused to send me letter stating that the account was not mine, that it was opened fraudulently and that I am not responsible/liable. They refused to send me anything and refused to engage with me on this. FTC guidelines say they are supposed to close the loop and assist the consumer.
Tried to buy 2 tickets to an XXXX game through XXXX. 

Found a guy, gave me a name, email address and i sent the money via XXXX. He then stopped all communication
Updated tradeline XXXX XXXX XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
Equifax did not secure their servers well enough to stop me from being a possible victim of identity theft. I will have to spend the rest of my life meticulously checking my credit reports every week because my SSN and personal information I can not change are on the internet due to their negligence.
When I first started speaking with Navient about the repayment of my student loans, I was never offered any options other than standard repayment. I would always be offered forbearance when I could n't afford to pay, but it was n't until XX/XX/XXXX that I found out about the Income Based Repayment options. I started working with Navient XX/XX/XXXX. Before that time, I only had about {$35000.00} or a little more in Student Loan Debt, now I have over {$40000.00} due to interest charges. Had I known about the Income Based Repayment options in the beginning, I would have never had to put a Forbearance on my account because I would have been able to afford the payments.
I try reaching out to Discover credit let them know that I did not receive services company called XXXX XXXX.There was a charge like {$360.00} that I disputed twice and so Discover is saying they are not going to dispute.The company sent Discover credit card some fraudulent paper stating that all sales are final but no services were ever performed.I submitted a dispute with CFPB about this issues with XXXX  XXXX how they are making racial slurs and cursing at me over the phone.They pretty much took my money keep changing the phone numbers somewhere in the XXXX .I spoke to some name XXXX in the dispute department and she is giving me runarounds after I explained what going but keep insisting they are not going dispute the information.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
On XXXX XXXX, XXXX, I submitted a complaint about American Express regarding my credit card account to the CFPB. This was a last ditch effort after over a month of trying to start a payment plan with Amex. 

American Express had threatened to ruin my credit. In that complaint, I proposed a simple repayment schedule - see Complaint Detail ( attached ). I have called and asked for assistance, payment plans, structures, etc. many times. I even wrote the president of the company. ( attached ) on XXXX XXXX, XXXX. 

After I contacted the CFPB, American Express sent me a response. Part of it is as follows : " We have not reported this account to the consumer credit reporting agencies We sent the enclosed letter to you XXXX XXXX, XXXX explaining that we will defer placement of your account with a collection agency providing that you contact us to agree upon an acceptable payment plan. Because this is a Small Business account, we have not yet reported this account to the consumer credit reporting agencies. '' Obviously, I have tried multiple times to contact American Express. This response does contain a bold face lie. American Express did, in fact, report this account to the credit reporting agencies causing my credit score to drop over 100 points. Please see attached screen shot from XXXX. 

American Express did follow through on their promise to ruin my credit even though I have done everything in my power to resolve the situation. This is the kind of bullying and bad faith business practices that should be no part of our financial system. 

I simply want to repay this debt over several months and have no negative credit due to this issue.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN on XX/XX/2017 which l have no idea about it at all.
I received an escrow disclosure statement from my mortgage company, Cornerstone Lending, letting me know that my escrow account is in arrears by {$8000.00}, giving me XXXX options to resolve the issue, 1 is to pay the {$8000.00} in full or spread over 12 months thus making my new monthly payment {$2700.00} beginning XXXX/XXXX/16. This is the first time I 've heard of my escrow shortage and I have less than a month to start paying this new amount since I do n't have $ XXXX I can just pay in 1 lump sum. I do n't have the ability to make a XXXX dollar payment for the next 12 months either. Talk about payment shock! I 've tried to communicate with the mortgage company to come to a solution to this but have n't had any luck. They have not given me any other options. I am afraid I will lose my home since I am not able to pay what/how they want me to pay. I am a single mom & only have XXXX income. I am already just barely making ends meet. I feel I was not made aware of what my true obligations would be when my loan originated, I feel it was so that I 'd be able to qualify to get the loan. I am at a loss and do n't know what else to do to resolve this issue. I am being set up for failure right from the start with the XXXX options they have given me.
XXXX  FGMC   decide not to pay my flood ins  policy because they said the flood zone in was optional I was in a flood zon e  XXXX . FEMA a nd the USDA  require me to have flood ins. I pa y for the policy at closing and my first lender also require me to escrow flood, taxes and home owners ins. Since  XXXX /FGMC did n't renew my policy the cost of flood ins has gone from {$430.00} a year to around {$1300.00} and I do n't even have the same coverage. I close on my  on  XX/XX/XXXX  and found out they did n't renew my policy until  XX/XX/XXXX . This has cause my house payment to go up {$200.00} right now and could be even more in the comin g years.
Credit bureau is in direct violation of the GRAMM-LEACH BLILEY ACT also XXXX XXXX compliance.
I 've disputed this issue twice with all XXXX credit bureau 's. I 've requested my signature and proof that this is my debt twice, I have yet to hear from the creditor PMAB which is a 3rd party that 's trying to collect from XXXX which i do n't know who XXXX could be. I do think its supposed to be XXXX which is XXXX XXXX XXXX which i 'm still disputing. This would make this debt invalid, which would make it a discrepancy on my credit report for reporting inaccurate information. 

This is the letter that i sent them and i have had no response Dear PMAB, After viewing a copy of my credit report, I noticed XXXX collection account placed on my credit from from XXXX XXXX XXXX account # XXXX {$330.00} and XXXX XXXX account # XXXX {$210.00} I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
Around XX/XX/XXXX I canceled my service with XXXX XXXX XXXX XXXX due to poor a poor level of service. The internet they provided oftentimes failed to exceed speeds of 2MB/S even though they claimed the service was 10mb/s. After canceling I was informed by the company that I owed an installation fee and a disconnect fee neither or which had been agreed to either orally or in writing prior to that date. I submitted a cease and desist letter to XXXX XXXX XXXX XXXX around XX/XX/XXXX and they ceased collection activities. 

Five years later, XXXX XXXX XXXX XXXX has bought out XXXX XXXX XXXX XXXX and decided that they are allowed to collect the debt that was never valid in the first place. I receive notice from " Online Services '' that I had an active collection account for a company I had never done business with.
I have had an account with Bank United for over XXXX years. My account was overdrawn and I received a call from a very aggressive and disgruntled Bank United employee, XXXX XXXX XXXX who excoriated me for being overdrawn and demanded payment, of which I responded as soon as commissions came in it would be taken care of. I am in Hawaii since XX/XX/XXXX and am nowhere near a Bank United branch, none on the island. I set this account at Bank United to receive funds electronically to cover these eventualities, however XXXX XXXX restricted my account and I called customer service and spent over an XXXX trying to pay this and I was not allowed to do so. XXXX XXXX also made harrasing and somewhat threatening calls to the joint account holder including emails of that she must cover overdraft or she would be negatively impacted. I am pretty sure that these bully tactics are employed regularly, and I ask that in order to protect the public at large and prevent these immense institutions from basically garnering more fees improperly into their coffers that your organization look into to this and take any appropriate actions necessary. XXXX XXXX XX/XX/XXXX made XXXX XXXX in overdraft fees so this is a very lucrative avenue for the banks, just FYI. 

Thank you in advance for your attention to this matter!
I was contacted months ago ( I can not say specifically when ) by XXXX XXXX XXXX, and they were seeking to collect a debt owed by a " XXXX XXXX ''. I explained that my name is XXXX XXXX and I didn't think they had the correct individual. They have MY SS # and d/o/b associated with the disputed accounts, however, and eventually reported this as an unpaid debt to XXXX. There were two accounts, one for {$62.00} that now indicates it has been " charged off '' and one for  {$1100.00}. I disputed with XXXX. I contacted Harvard. XXXX reported on their investigation that the debt is " VERIFIED AS ACCURATE ''. I called the billing service for the original debtor and THEY indicated to me that my d/o/b does't seem to match the individual for whom services were provided. I have provided Harvard with a copy of my DL and SS card. Just today I got off the phone with Harvard and their "  manager '' indicated two offers. Either to report the debt as disputed, or he was preparing to " offer '' me to remove the debt and he was calculating a dollar amount, a percentage of the total owed for what he says is three separate accounts. I am not satisfied with those two options. Harvard obviously purchased the debt from a physician 's billing group, and I have absolutely no idea where or who attached my personal information to the individual that received the disputed services.
I settled the account back in 2010 and this collection agency sold my account to another agency even after got a paid in full letter confirming paid off debt.
On XX/XX/XXXX my father was found dead in his home in XXXX. Has his eldest daughter the responsiblity fell on me to see that he was laid to rest respectfully, has a result i had to take time of from work take my kids out of school and go to XXXX to make the neessary arrangements. My father was laid to reston XX/XX/XXXX, however this event cause me to fall behind on my mortgage and other bills. Since then it has been very strenuous for me to get caught back up on my mortgage resulting in my action to file bankruptcy which was discharge. Upon my bankruptcy discharge i filed for a loan modification with my mortgage company whish was approved on XX/XX/XXXX. The aggreement was that i was on a trial period plan and that i must pay {$650.00} on XX/XX/XXXX ,XX/XX/XXXX and XX/XX/XXXX and when those payments are made they would send a some documents for me to sign that will finalize the loan modification. After making XX/XX/XXXX and XX/XX/XXXX payment on time i received a letter stating that i was denied my loan modification due to not signing the trial agreement. I call Ocwen to let them know that i didnt received any such documents and if i did why would i not sign it. I explain to them that this is my home and the only home my kid have why would i not sign that papper and send it back. I keep telling the man on the phone that i never received the document he then said to me that it shouldnt be a problem he reasure that all would be ok and that he will email me the form to sign and fax back to him which i did that same day on XX/XX/XXXX. I call back a few days later and i was told that i have to apple for the loan modification all over again which i did and i seem to get is the run around and no answer. Now i was summons a forclosure notice which im trying to get help with. At this moment i dont know what to do or where to go. Thanks for your time.
*no Duplicate* I have NE VER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX which was made on XX/XX/2015. I checked my credit report, which I acquired from Transunion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
im am writing in regards to XXXX reporting inaccurate information on my credit report. i have no acknowledge of the XXXX account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA