WillisBack/dataset-financial-user-claim huggingface dataset:
I reviewed my annual credit report with Equifax and i noticed that an old closed account in XXXX from XXXX XXXX bank still showing in my report. I 've contacted Equifax twice to get this account removed from my report since it has been well past 7 years. Others credit agencies like XXXX and XXXX have remvoed this account, but Equifax is refusing to do so. The keep claiming that " its reported correctly '' or " that it belongs to me '', i 'm not saying it did n't belong to me nor that its incorrect, what i 'm stating that it should be off my credit report at this point. I 've called them to ask if i was filling out the dispute correctly and made the additional comments and a XXXX of their representative said that i was. Their website does n't give you an option that says " remove account '' then state why ; their options are very vague and i do n't think it fits this purpose of taking off closed over 7 years accounts. Moreover, Equifax is claiming that the old credit grantor " XXXX XXXX bank XXXX '' has reported to them this information. However, when i called XXXX XXXX bank directly to XXXX numbers provided on my dispute, No one on XXXX XXXX was able to find out anything about this account - as if almost disappear from their records. I have to write to XXXX XXXX to get an investigation going because it 's such an old account opened in XXXX and closed in XXXX ; that makes me wonder where is Equifax getting their information from???? It seems very suspect to me, that my account is being reported to Equifax but when i call the credit grantor they ca n't find anything on MY account! 

Please help me investigate this issue and I 'll contact XXXX XXXX in writing as well. FYI all these phone calls are recorded and i can even tell you when i 've called XXXX XXXX and Equifax. 

Let me know what else would you need from me. Thank you so much!
The complaint actually involves ( Unauthorized Inquiries ) by Clarity Services , Inc. Inserted below is the email sent to Clarity Services asking for an explanation about the Unauthorized inquiries into my credit history. 

" Saturday, XXXX XXXX, XXXX To whom it may concern : This morning while reviewing my Annual Credit reports XXXX inquires from Clarity Services , Inc. was identified in my XXXX file. Please see the attached page extracted from my credit report. 

I would like to know what company requested the report ( s ). 

I have not requested or submitted a request for credit for neither of the dates noted ( XXXX XXXX and XXXX XXXX ). There should not have been any inquires from any organization. 

In addition, the information in the XXXX file that you provided is incorrect. Thus the purpose of reviewing my reports. 

These inquiries are determined to be " Hard inquires '' and does impact my credit rating. 

Thank You, ''
Alpha Recovery XXXX continues to harass me and my family with phone calls, disregarding written directives from me to immediately cease and desist. It was confirmed that the person whom they seek is someone else. I emailed them in XXXX 2016 and again, in XXXX, after continued harassment. The calls from Alpha are stressing out my elderly mother, exacerbating her ailments.
TODAYS DATE:XX/XX/2017 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
on or about XXXX/XXXX/XXXX I went to annual credit reports to get my XXXX credit bureaus. XXXX of the XXXX sources would not give me the report by internet ( XXXX XXXX Trans Union. ) Trans Union mailed me a letter on XXXX/XXXX/XXXX that said my file was suppressed and I had to call them. on XXXX/XXXX/XXXX I called Trans union at XXXX and spoke to XXXX different agents finally talking to a XXXX XXXX? who stated that someone suppressed my file as a minor and that I would need to send them proof of copies ID and Social Security card to get the file unsuppressed. I objected and asked who placed the hold and she would not tell me who suppressed the file I again asked for a copy of my unsuppressed file to be mailed as I already answered all the security questions that she requested and she refused again stating that I must sent the Id and S.S. card which I refused to send in the mail. I do not think that I need to comply with the request of my social security card be mailed to them to unfreeze my file as this further compromises my information and does not comply with FDCRA. there policy of hard copies is above and beyond what is required to access this information. I have complied with all requirements by phone to satisfy verification of identity and anymore more proof is not needed.
Navient has a history of misapplying payments on my student loans. As they've admitted in the past, there were delinquent marks on my credit ( and co-signer ' credit ) for years that they refused to fix, in addition to late fees. I filed a previous complaint against the company, Navient. Navient admitted to issues with the payment processing on their end and stated payments were set up incorrectly. I previously spoke with their office of the consumer advocate ( associate XXXX XXXX XXXX about a year ago with respect to this issue. 

Since then, I've had to renew my payment plan. I recently received correspondence that my account is being reported over 40 days past due with late fees/credit reporting again. I contacted Navient, and they stated that the payments are again being applied incorrectly on their end. The recorded calls with the company will demonstrate all of this. 

It's clear at this point that Navient has engaged in negligence, bad debt practices, breach of contact, infliction of emotional distress, and the like. They are unable to competently set up a payment plan and apply payments in correctly, which has resulted in continued harassment for myself and by co-signers. I've attached proof of this non-compliance to this case in addition to a recent past due letter that I've received.
This collection agency is re-aging old debt and reporting incorrect date of first delinquency. 
I am XXXX and this inaccuracy is causing unnecessary stress. I have disputed with all XXXX Collection Agencies, FCO continues to verify thier information as correct.
XXXX XXXX was dismissed in my bankruptcy with the last activity of XX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.
In XXXX of this year I had my lawyer write a letter to Home Depot stating that their deferred interest program was misrepresented. They never said that the interest that was being deferred would be tacked on to the balance once the deferred period was over. They lead me to believe that I would only be paying interest on my current balance. My lawyer sent the first letter in XXXX with no response and then sent the second letter in XXXX of this year. As of today we still have not received a response from Home Depot. I would like this resolved. How can they be able to do this to people and then not even respond.
I took out a loan with a company Called Armed Forces Loans of XXXX. I was active duty military at the time and I was in need of a loan due to unexpected expenses. I received an approval through Armed Forces Loans of XXXX. At the time I was just excited to get approved for the funds that I need, but as time went on I realized I was in a much better situation without the funds from this company than before I made contact with this company. 

I was charged interest rates upwards of 34 % which I know now is not allowed for XXXX military members for an interest rate to be so high it should be maxed at 6 % ( due to laws such as the SCRA etc. ), this interest rate is also not allowed for the state of XXXX Residents. I was also not aware that this company may not even be allowed to lend to Maryland residents due to not being licensed in the state or not following the XXXX interest rate guidelines. 

This company has left countless remarks on my credit report in order to get this debt collected and it has become very damaging to my credit profile. I am willing to take full responsibility for the debt and I would like to get this account settled but only if this is indeed legal account ( loan ). 
I would like to request the company send me : A copy of my full account statement ( Loan Amount and Terms ( signed by me ) to include interest and fees ) which have never been provided by the company and are not available on my online account. 
Also I request the company send me their License information that grants them authority to lend in the State of XXXX and or to XXXX Residents. 
Any other relevant documentation to prove this company has the ability to lend to myself. 

While this process is ongoing I would like Armed Forces Loans to remove all account information ( collection accounts, derogatory remarks etc. ) and to cease collection attempts. 
It has been brought to my attention that I may be a victim of deceptive lending or predatory lending and if this is the case due to what has been listed above then this account should become void. It makes this very suspicious when they do not want to reveal original documents or provide certain proofs that are required by law. 

Upon the Company receiving this complaint I wish that if I am wrong about any of the above mentioned that they will not show any type of retaliation efforts and cause more damage to my credit than they already are. I am just a concerned consumer that wishes to verify my rights. 

I do not wish for Armed Forces Loan to contact me until they can provide what was listed about as I do not want to be put in a more stressful situation than this already is.
The initial call was received on my cell phone from a local number XXXX. Needless to say this company is Florida using local number. I then received a call at my desk and spoke with XXXX XXXX asking me to verify my date of birth. I proceeded to ask XXXX for her address so that I could send them something in writing asking not to be contacted at work. She said he could take of that however I still plan to mail a letter today requesting that all contact cease. Shortly after I hung up with XXXX my co-worker brought me a message from a guy that refused to give him his name, however he said the guy was really rude and requested that I call him back at XXXX. Yet another local number for a Florida company.
I received a " notice of motion for Judgement upon default of stipulation of settlement '' in the mail from Lyons, Doughty and Veldhuis, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX XXXX. I did not pay as agreed but did call and spoke to XXXX @ XXXX and asked if I could set up a new payment arrangement and that I had just gotten a part-time job. I asked that if I agreed to the new payment arrangement would this judgement still go into affect, she said " no '' it would not go into affect as long as I started to pay as agreed in the new arrangement. I also asked if I needed to respond to the civil action, she told me " no '' and that by talking to her, this was putting a halt on the action from proceeding. I trusted and believed her because she works for a law firm and did not think she would give me false information. When the new coupon book came in the mail to me on XXXX XXXX, 2017, I mailed my personal check to them and they received my first payment in XXXX 2017 as agreed but still put the judgement through. How is this legal? Please help.
I XXXX XXXX I have a boat loan with XXXX XXXX XXXX last XXXX of XXXX the same suffered damages for the hurricane XXXX I placed a claim to my insurance which issued a check for the sum of XXXX for the repair, send the check to XXXX XXXX XXXX to endorse the money to be able to repair the boat and continue using it I received a call from mb financial that could not give me the check that the boat was not completely repaired I think this is not fair and not legal
I canceled my American Express card months back due to fraud and they continually sent me statements each month with a XXXX balance and sent me a new card recently without my consent. I called them today to rectify the situation and to stop harrassing me but they would not talk to me without giving my personal info. I have no balance on the card and want them to leave me alone.
I have a outstanding credit card dept. My wife established the debt. My name is the Primary Card Holder listed on the account. I do not think that that should be the case. I cancelled the discover card many years ago with the statement that I will not ever use them again.
These medical accounts shouldnt be on my credit report this medical account is under 180 Days please Remove Off My Transunion credit report!! This is a Hippa Violation!!!  This account is 5 months old
On XXXX/XXXX/2016 I sent Midland Bank Funding which appears on my credit report A Disputed Verification Letter WHICH STATES I 'M Deragotolry I owe {$550.00} am in collections in reference to a XXXX XXXX account. As I 'm checking around my previous credit report I came across on XXXX dashboard that XXXX account was removed from my account credit report as of XXXX credit report will no longer list this acct.The Acct. number stated XXXX is now under Midland funding .I thought the account was already removed from the XXXX credit bureau XXXX as stated on my credit report of XXXX correspondence I received on XXXX/XXXX/2016 was a letter acknowledging my dispute but nothing else no validation of contract or signature or proof.I sent out a XXXX Dispute Letter to Midland Fund after 31 Days and they sent me on XXXX/XXXX/2016 almost the same letter and a copy of Last Bill dated XXXX the Credit Report Midland Fund is re-aging this XXXXmidland fund as Date opened XXXX XXXX n't this a violation? I THINK SO!!
My car was damaged at the dealership, XXXX XXXX XXXX on XXXX XXXX in XXXX, New Jersey. The car was financed by Bank of America and it had {$12000.00} in damages by the dealership employee with no valid drivers license. The car is a XXXX XXXX XXXX XXXX XXXX XXXX. The bank has refused to rescind the deal after my car was damaged by the dealership. The car should have been a total loss on XXXX XXXX. The car was fixed by XXXX XXXX XXXX at XXXX Collision in XXXX, New Jersey. My signature was forged on documents that i accepted the car back from the dealership. That is no true. The dealership committed fraud on me and the bank. That is not what I paid for when i bought the car on XXXX XXXX from XXXX XXXX XXXX with a XXXX mile extended warranty. I want this problem rectified.
APPARENTLY SENDING A LEGAL NOTICE MEANS NOTHING TO THESE PEOPLE BECAUSE I SENT ONE AND THE COMPANY KEEPS HARASSING ME AND HAVE PUT THE ACCOUNT ON MY REPORT
Transunion improperly updated the information provided by the XXXX XXXX company on my credit report. They updated all but XXXX of my Student Loans to state " deferred due to forbearance ''. The XXXX organization provided me a credit reference letter to validate all my loans were in a in-school deferment status. Additionally, they identified XXXX student loans that would go into forbearance XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX for a loan realignment. I provided the letter to Transunion and they refused to accept. I called XXXX and they offered to due a conference call with Transunion but Transunion refused. The XXXX organization sent Transunion an updated status on my student loans and my credit report still has not been updated. Attached is my credit reference latter from XXXX.
My flood insurance renewal, as required for my mortgage, was sent to the wrong address. By the time the renewal was required the bank ( TD ) had advised me that they were going to get insurance themselves and charge me. There was a 2 month lapse between my renewal and the time the bank placed the policy. The renewal from my insurance wes {$1100.00} for the year, the bank charge was {$650.00} and only for 2 months. This is extreme and evidence of gouging by my lender.
This company did not accept forms of payment besides a debit or credit card. A relative had a debt that was collected through this company and in order to assist them in paying it off I made an arrangement with the company to contact me prior to running my credit card for any amounts due. The debt was not mine, however, an arrangement was made such that my relative would give me an amount of money to pay for them on their debt. The company will call me and ask the amount to run on my credit card. The representative took it upon herself to run my credit card without my permission nor approval for an amount on XXXX separate occasions. When confronted about running my credit card without my permission she then proceeded to be very unprofessional and rude when the mistake was made on her end. She told my relative that they needed to " just put the money in their account because she had already ran my credit card anyway. ''
To Whom It May Concern : I am currently using Navient to service my student loans. I have made on-time payments each month, and have never been late with my payments. However, each time I make payments online, my online Navient Account claims that all my current and future loans are " Past Due. '' To clarify, I recently paid {$250.00} for the month of XXXX. My next payment is due XX/XX/XXXX, but my Navient Account states that the upcoming amount is also past due. After, I made this payment, I received a payment confirmation. Today, I received another email saying that they have no receipt of my recent payment and that I will need to pay this amount on top of my XX/XX/XXXX amount. My bank account has already cleared this past amount. A few months ago, I reached out to Navient via their phone customer service ans was told this problem would be corrected. However, no such correction has yet to occur. I am frustrated with Navient 's sluggish response because I do n't want to overpay. I desire honest feedback and the automated emails that continue to be spent to me despite my payments are frustrating and unacceptable.
I am an XXXX military member and signed up for the Barclaycard 's Luxury MasterCard Gold Card which carries an annual fee of {$990.00}. It became well known though that they would waive the annual fee for XXXX military members and lower the APR to 0 % while the cardholder is on XXXX. This is the case when I signed up and was informed that they indeed were providing those additional benefits under XXXX. Those benefits are above what XXXX calls for, but nonetheless, they are benefits that were promised and initially granted. I was told that I would pay no annual fee as long as I remained on XXXX. 
About a month ago, I received a letter stating that they would no longer waive the annual fee and that they were not grandfathering me in, although I had already signed up for the card about 7 months ago and was explicitly told that I would not be charged the annual fee ( the 0 % APR remains in effect ). They have reversed course on a deal that they were providing ( understandable ) and were not going to honor that deal that they had already made to current members ( not so understandable ).
In XXXX of 2015, I refinanced my home loan. This summer, I received a notice from the XXXX government, that my property taxes had n't been paid in the prior six months. Nationstar, my loan servicer, collects an escrow for this purpose. I thought they were paid at closing but even so, Nationstar should manage these payments. I contacted Nationstar to inquire as to the status of property tax payments. They said that they conducted an investigation and then made a payment. I asked them to share what they learned during their investigation, specifically I sent them the following : '' The update only seems to note that a payment was made. Please provide the results of your investigation into this matter. For instance, please clarify whether an amount was also paid at closing as noted by the loan underwriter. How much was the late fee and how was it paid? " Nationstar did not respond to these questions. I ask that they offer a full accounting of what happened, who was at fault, and whether they charged me for the late fee. If they did charge me for late fee, why they did so.
Recently, I applied and received the Capital One Platinum credit card with no annual fee. However, on my 1st statement, Capital One charged me a {$19.00} membership fee. The Platinum card agreement details and even Capital One 's own web site clearly state this card has " No Annual Fee. ''
I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( Transunion and XXXX  ), XXXX XXXX ( XXXX, XXXX and Transunion ), XXXX ( XXXX and Transunion ), XXXX XXXX ( XXXX, XXXX  and Transunion ), XXXX ( XXXX  and Transunion ), XXXX XXXX ( XXXX, XXXX  and Transunion ), XXXX  ( XXXX, XXXX  and Transunion ), XXXX XXXX XXXX ( XXXX, XXXX and Transunion ), XXXX ( XXXX  and Transunion ), Bankruptcy : Voluntary CH-XXXX ( XXXX, XXXX  and Transunion ).