WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Simm Associates regarding a debt from a creditor I 've never heard of. I have never had an account with " XXXX XXXX '' or heard of this company. There is n't any other information about this company I supposedly owe. I have tried to contact the company, however I get a recording stating they are unable to answer my call at this time.
I was informed that this company meant for Student Loan Forgiveness and that I wouldnt have to pay XXXX anymore just them. I was only paying {$49.00} a month to them for over a year. Was informed I would be paying for 127 months in order for Loan Forgiveness to fully clear my debt. By near end of last year, XXXX contacted me and told me I could start paying them back {$58.00}. I contacted Equitable Acceptance and they couldnt give me a straight answer on what was going on and gave me a number to call. I didnt call the number because something felt very off. Instead I called XXXX, and when I explained the situation to them they stated that I had been scammed, that I should have been paying through them. Since they stated that, I stopped paying them and continued paying XXXX  since they were a legit organization and I didnt see any reason why I should pay a legit company and a company who wasnt truly providing me real service just piling on my interest which wasnt what I thought they were doing originally. Just recently I had been informed by email that my case would be sent to Collections since I wont pay them anymore. I saved all 3 emails for proof.
Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up. 
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX? 
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for XXXX andTransUnion.
I have a home loan through PNC. I lost my job last XX/XX/XXXX and when I did I contacted them and told them what happened and that I would need assistance with my mortgage. They sent me a huge packet to fill out. I filled that out and got all the required information together and faxed it back to them. It cost me {$140.00} to fax it to them. Two weeks went by and I did n't hear anything. Then a couple months went by. I called and was told that I had been taken out of loss mitigation and put into forclosure for non payment. I said wait what? I filled out the packet and sent everything in. I called and left messages and no one called me back. So the lady told me that they needed more information. They needed my grocery receipts to prove I bought groceries, a bill for HOA fees ( I told them I do n't pay HOA I pay condo fees and I do n't get a bill ). A lot of stuff I ca n't get or that does n't exist. They wo n't work with me at all. I made a {$1200.00} payment and they said they are sending it back. They refused my payment!!!! Is n't there a law about refusing a payment that it 's considered bill paid in full? This bank is horrible period. They absolutely will not work with me at all and I have been trying for months. I have a little girl and husband. I 'm now connected with XXXX but they recommended I file a complaint with you. I 'm hoping you can help as well. Something has to be done with this company. It 's ridiculous.
In XX/XX/XXXX I was divorced my ex husband got the XXXX XXXX XXXX and I got the XXXX XXXXt. A judge signed off on it. In XX/XX/XXXX my ex husband defaulted on his XXXX XXXX. The company Santander put it on my credit. When I am not financially responsible for it. I have legal documentation to prove it. Because of this it prevented me from buying a house for my children.
In XX/XX/XXXX I made payment arrangements online for a balance owing. A week later I was contacted by XXXX stating that no arrangements were made and he was not seeing it and that he will be calling me every two weeks. I had to explain to him what was done and that arrangements were done within his company website. He then asked me to fax a " resolution confirmation ''. I faxed him the information right away thinking that I was no longer going to be harassed. Today I receive another call regarding the same issue. I checked my account to make sure payment was taken out, which it was, but 3 days earlier than the agreed date. I spoke with XXXX again and I informed him and let him know that I was being harassed because arrangement was made and I faxed everything and still receiving calls. He sent me over to his supervisor, which was incredibly rude with no customer service. Informed him that I was being harassed and not feeling comfortable every month someone calling me and questioning me if I made a payment. Especially after payment has been made. Let him know that my bank account showed that they took payment 3 days earlier than agreed and he kept telling me that payment was made on XX/XX/XXXX let him know it was drafted on XX/XX/XXXX. He just kept saying " no it was n't ''. Told him I have proof in my bank statement. He said send it to him. He was very curt and rude. Let him know I did n't appreciate his attitude and he asked what did I want. Told him his first words should 've been " I 'm sorry for the inconvenience '' and in a condescending voice he said it and to email him the information. At this point I felt worst speaking to a supervisor than the customer service representative that I just hung up the phone. No one should be harassed, especially after making necessary arrangements and then being treated with such disrespect It is not my fault they are not coordinated with their web page and ca n't see people have already made payment arrangements. They need to get there issues resolved and stop harassing people and wasting people 's time.
I have had a home equity line of credit for several years. For the majority of those years I have paid more than the interest only amount requested. Many times I received a payment coupon stating that I had {$0.00} amount due. I still paid an amount. I had assumed this over payment went to principal. Recently I have written on both my coupon and my check that I wanted overage amounts to be applied to principal. The last two months I noticed that the coupon stated that I either owed less or {$0.00} the next month leading me to believe that the principal payment was not made. I called last month and the current month and requested that the over payment be made to the principal. Both times I was told that I had an 'interest shortage ' stemming from 2015 when I did not make a payment based on the coupon stating that none was owed. I requested an audit of my account both times and have not received anything. Further, because I have paid over the amount for years, including when the coupon stated that I did not owe anything, I can not understand how it is possible to have 'interest shortages. ' If the over amount did not pay down the principal and did not pay forward interest, what are they doing with my money? Please look into this for me. Thank you.
My name is XXXX XXXX XXXX. There are FIVE hard inquires on my credit report that I did not authorize ; from CBNA. I have been in constant communication with this company for the last few months. I even faxed ( per their request ) a copy of my credit report ; listing the inquires from this company. All they do is transfer me to their Fraud department ; which always results in " Sorry ma'am we can't locate you in our system ; and don't see any applications or accounts matching your demographics. However, those FIVE hard inquires are plain as day on my report. I filed a complaint, and nothing is being done. I have not been seeking any credit ; as my personal documents and social security card was stolen over a year ago. I would like these inquires deleted. As, the company keep saying ; They have no record, application, or business dealing with me. Again, I am screen shooting the inquires. I just want them deleted. I didn't authorize them, don't have an account with them, never even heard of them. As, i have stated. These inquires are fraud. Of course the demographics match mine. The person was trying to open debts and accounts in my name. That is the purpose of me contacting you all to advised you of this. As, I have stated. I was homeless, no computer, no place to live. There is no way I was seeking credit during those time. The inquires are Fraud. And, I would like for you all to move them. Because, I was not applying for anything. Other companies have completed a thorough investigation, and remove those inquires. You are reporting 5 times ; on five different occasions. I would like this to be removed. Please ; How can you all leave negative unauthorized reporting on my credit file. That I did not authorize. PLEASE REMOVE THEM! 

Thank you,
I talked to a representative over the phone from Sallie Mae. I mentioned that I was unable to pay the current amount per month that was being asked of me. My payments do not start until XXXX of XXXX. The amount per month that Sallie Mae was requesting was close to {$1300.00} a month. When asked about a lower payment option as I am unable to afford that loan payment, I was told that there were no lower options. I could do for 3 months a repayment plan where 2 out of my 4 loans are interest-only payments, but that would still total more than {$1000.00} a month in payments. I was advised to make the payments or deal with the consequences of not paying and talking to a loan officer. When I asked to clarify they advised me that they did not have any other repayment loan options such as a salary based repayment, or repayment for those who are unable to make the current monthly payment.
Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. 
-- -- -- -- -- -- -- -- -- -- -- - Experian will not delete nor remove this item from account ever when I provided proof under FCRA. 
-- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/XXXX Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.
I have pulled my credit report from multiple sources at several different intervals. I have seen accounts from the debt collector BC Services, and attempted to reach them in regard to settling the debts. I informed the collector that my interest in contacting them was to clear all accounts off my credit report ; I then asked the representative how many accounts total they had reporting to my credit. The rep I was speaking to ( whose name I did n't catch ) informed that they have XXXX accounts total on my credit and all are being reported on my credit. Upon calling back at a later point I was advised that there are only XXXX of the XXXX accounts actually being reported. This is a blatant violation of the Fair Debt Collection Practice Act, by the representative knowing that my attempts were to clear my credit report and then advising that an account not on my credit report is being reported.
On XX/XX/XXXX I was notified through my credit protection service that Receivables Performance Management ( RPM ) was attempting to collect a {$410.00} debt for XXXX that is not my account. I contacted RPM, XXXX and XXXX  several times between XX/XX/XXXX and XX/XX/XXXX. The debt belongs to my dad whose name and address were submitted to XXXX  but the collection hit my credit report due to my SSN being linked to it. My dad nor I have received anything in writing regarding this debt. I experienced a similar issue last year for this same account on the XXXX  and XXXX  credit reports that was resolved in XX/XX/XXXX. RPM changed the name and address from that of my dad to my name and address after I requested they not do that. XXXX   got involved and questioned RPM on why they changed the account to my name when they submitted my dad 's name and address to XXXX. I've contacted XXXX who expressed that my name, address nor SSN is linked with the account and have reported that to RPM several times. XXXX even updated the collection system that RMP has access to review for updates on XX/XX/XXXX and XX/XX/XXXX to let ROM  know that they have mistakened my identity. RPM still won't budge. t I am very frustrated because I have been wrongfully accused and my XXXX credit score has dropped almost 100 points because of it. This complaint is for Receivables Performance Management ( RPM ), especially Mr. XXXX XXXX, for the seemingly sneaky tactics used to switch the account on to me and for not being helpful. Please look into RPM and their debt collection practices.
I filed a complaint against Synchrony bank for not refunding an over balance on my credit card. They finally sent the check but it was n't until after I filed a complaint and got them to agree to send it. Because I filed a complaint they turned around and put a stop payment on the check costing me a {$20.00} bank fee for them sending me a check and then stoping payment on it. They now claim that I have to rerequest another check but they will just put a stop payment on it again, thus harrassing me and punishing me for making a complaint against their institution.
Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, 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
I have made several attempts with Equifax to have the below inquiries removed from my Equifax ' report with no success. I provided the letters received from the creditors and they continue to refuse to remove these inquiries from this report. Please know that both XXXX  and XXXX have removed as required. I have the letters from all three creditors indicating they have reached out to Equifax. More specifically XXXX  assured me Equifax, via confirmation from Equifax, had received their request to have this inquiry removed : I provided a letter from XXXX XXXX stating they had submitted my car loan application to multiple creditors without my authorization. In addition, I submitted a letter from both of these creditors stating they have reached out to Equifax. But again, they refuse to remove these. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX ran a credit inquiry during a refinancing of our home. The home was to be refinance without my name but the title was to be joint holder. They corrected this with XXXX and XXXX  but have been unsuccessful with Equifax. I have the letter from XXXX in addition to them reaching out to Equifax. 

They continue to report incorrect information and continue to send me updates stating these are factual when indeed they were not authorized by me. 

If copies and evidence is required I will submit. This might seem as a small issue however these reports are used by creditors to make decisions on behave of the consumer and as such should be correct regardless of how severe of an impact. 

Thank you for your assistance. 

XXXX
inquiry victim inquires from companies i never authorized on  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   Inaccurate information on my credit rep ort 1.   XXXX   XXXX   account late payment status,   XXXX   XXXX   reports as negative Due to do inaccuracy of this information i request you delete it from my file.
On XXXX XXXX, 2017 I made a payment online with my Wells Fargo mobile app to my secured card. I made this payment mid morning Eastern standard Time on the Friday. Wells Fargo states that payments made before midnight Pacific time will post to the account the date made ( paraphrase ). I called on XXXX XXXX, 2017 at XXXX XXXX to see why my payment was n't posted and they told me that it was n't there and I had to wait for their system to update in 1 to 3 business days. There system never shows the pending payment but shows it in posted so they do n't allow them to push the payment through. This causes delays in using my card.
I paid a charge off I had with USAA on my credit report through their third party collection agency XXXX. The payment was made in XX/XX/2018. I was told that the information would be updated to USAA within 10 days after I paid. Also, I was told that I would have to contact USAA for any future information on the status of the charge off. When I called USAA for a status update, I was told that no one is allowed to speak with their credit reporting department. The representative told me the only action I could take was to fill out their consumer report dispute form. After filling out the form and mailing it to USAA, the next month I called back to get an update on the dispute form. I was then told again by another representative that they could not give me any information, and to again fill out the consumer report dispute form. I still have yet to hear from USAA on the status of the dispute form I sent to them.
To whom it may concern, XXXX XXXX, 2017 My name is XXXX XXXX XXXX and I have a complaint against Citizens Bank located in XXXX, Ohio. I am writing this letter as a short explanation as to how this transpired. I closed my account with Citizens Bank on XXXX XXXX, 2017 and switched to XXXX XXXX around the same time. Upon switching banks I notified all parties whom electronically withdraw monthly payments, as to this change. XXXX XXXX XXXX, who holds my car loan, was not made aware of this change ( due to an internal error ), and proceeded to take my car payment from my old CLOSED account through Citizens Bank on XXXX XXXX, 2017. Instead of Citizens Bank notifying XXXX XXXX that the account was closed, they charged me a {$35.00} NSF charge, and did not pay the payment to XXXX XXXX Bank. As an apology to myself from XXXX XXXX, they sent me four gift cards in the total amount of {$40.00} to cover any NSF charges. I did not feel I owed ANY fees to Citizens Bank for the simple fact that the account was already closed. When I withdrew the remaining monies I had in XXXX XXXX on XX/XX/XXXX, in the amount of {$18.00}, I informed them that I was closing the account. I have not received any notice from them as to this being closed. According to Citizens Bank, I have a negative balance of $ XXXX. I am curious as to how I can obtain a negative balance in an account that is no longer open according to my records? I believe that Citizens Bank is performing illegal banking procedures, and unfortunately I am not the only one who has been affected by this. I am seeking that the account that I had with them be acknowledged that it is closed and that no monies are owed AT ALL. I would like an official letter from them that states these conditions for my records. Thank you for your attention in this upsetting matter. Sincerely, XXXX XXXX XXXX
Capital One has not shut down my card after I called and let them know there was something going on with charges. That was at XXXX and then they said they would investigate while I paid XXXX a month to keep our credit repaired. Then, I stopped that about two months ago and said no. I kept asking when the investigation was done and they did absolutely nothing to stop it. My kids had a lunch program circulating on the card which I do owe for, but after this long, I do n't know what is what at this point. But, the agent at Capital One a gentlemen I have his name, said, " Yes, I see where you asked to report fraud ''. This company needs investigating, just go and look online it 's multiple clients having similar problems. I also went through in the beginning transactions with an agent to determine what was going on. I 'm a XXXX, not an XXXX. They need to take responsibility. The card is up to XXXX and even with repeatedly paying they just kept raising the amount because of over limit. What a raquet. I will be writing XXXX Trump to see if there is something that can be done by the white house and credit card railroading companies. This is not fair. They actually owe me money as agreed upon because there was no investigation from the first time I called them and the card was allowed to keep on going after several attempts to stop it.
I noticed a hard inquiry that lower my credit score and it was Ccb/ppc dated for XXXX XXXX, 2017. So I XXXX it and came up as Pay Pal so I called them at XXXX and spoke to XXXX and was to send me instructions by email to dispute it. So far I do not have the instructions. So I am writing today for your assistance to remove from credit report.
XXXX, Equifax , and XXXX have dropped my credit score after entering into a debt management plan to repay what I owe. These agencies have rate my credit as poor after XXXX XXXX has written off my debt as bad debt, but I still continue to make payments on my account and have never been late. I am asking the credit agencies to remove it as bad debt since I am making payments and never have been late to raise my credit score. I finally have identified a critical mass of people in the same situation to purse this legally ( with the assistance of a law firm willing to move forward ), but i was asked to pursue this avenue first.
after discharge of bankruptcy, they placed XXXX or XXXX accounts on my credit report as open, that was not on there before bankruptcy was filed but they were included in the bankruptcy. and they when from reporting under central financial to syndicated office systems. These should not have been report after discharge. They Placed it on my credit report about 8 days after final discharge.
My name is  XXXX   XXXX  I received a letter from  XXXX  BANK on  XXXX / XXXX /  XXXX   saying that my application for a credit card was decline on  XXXX   XXXX ,   XXXX  . The application ID is  XXXX . The address on the letter from the bank is   XXXX   XXXX    XXXX   XXXX   XXXX , SD  XXXX   XXXX  their  XXXX  :  XXXX . My name and address was correct on the letter. my address is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  fl  XXXX .     I  XXXX   XXXX  DID NOT APPLY FOR A CREDIT CARD FROM  XXXX  BANK. I will love for you to look in to this matter for me. Thanks inadvance
On XX/XX/XXXX, I requested, via mail, documentation supporting information reported on my credit file in XXXX separate letters. I specifically stated that my requests were not disputes, but were in accordance with the FCRA. Experian promptly sent me a form letter in response to XXXX letter, and treated the second as a standard reinvestigation of a previously disputed item, refusing to provide me the documentation requested, which they are required, pursuant to the FCRA to provide. This is a clear case of willful non-compliance on their behalf.
I reached out to Alliance Collection Agencies by mail asking them to verify a debt that was reported on my credit report. They have yet to validate the debt properly, with competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The amount of the debt is XXXX I sent them letters on XX/XX/2019 and on XX/XX/2019 asking them to send me documents bearing my signature. they haven't verified the debt properly. The Fair Debt Collection Practices Act states if you can not validate the debt, you must request that all credit reporting agencies delete the entry.