WillisBack/dataset-financial-user-claim huggingface dataset:
On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XX/XX/XXXX and XX/XX/XXXX. The specialist stated they do not have those dates on there end and I need to dispute them. I  disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!
Contacted Navient on Monday XX/XX/XXXX regarding a payment I mailed on XX/XX/XXXX. The person I spoke with indicated that the payment had not been received and would not be accepted because the payment was mailed to the wrong address/department and that the check would be mailed back to me. I attempted to cancel the first check and mailed a new check to the correct payment address on XX/XX/XXXX. I checked my bank balance on XX/XX/XXXX and noticed that Navient had cashed BOTH checks. I contacted Navient on XX/XX/XXXX regarding the payments and they could or would not provide any details about which checks were cashed or why. I called Navient customer service three times on XX/XX/XXXX regarding the issue and was routed to their fraud department through their customer service number. I waited on hold for over an hour each time to speak with someone from the fraud department, however no one at the Navient fraud department would answer. Also, when I called back the customer service number, I asked if someone would be able to contact me regarding the issue and they indicated no. I 'm not entirely sure what to do at this point.
My wells fargo bank robed me they posted a transaction was posted to my account on XXXX/XXXX/2015 and the posting date was XXXX/XXXX/2015 and i was charged {$35.00} for overdraft on XXXX/XXXX/2015 I requested the bank to take a look at the transaction and i check my account till the last minute of XXXX/XXXX/15 i have a prof my account went negative today but before XXXX XXXX i have deposited the amount and i 'm still getting charge the overdraft fee.
I am filing a complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section XXXX XXXX XXXX ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
On XX/XX/XXXX I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands Equifax, XXXX, XXXX report, which he has made several attempts to solve this issue with them also. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/XXXX I contacted the National Legal Aid for assistance
Given ridiculous interest rates as high as 12 %, and Sallie Mae refuses to consolidate my loans and work with me to lower my monthly payments despite making only slightly more than minimum wage. I can not afford these payments at all and there is nothing I can do about it because the loans keeps gaining interest.
In XXXX I was trying to get another Chase card to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor XXXX  to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake XXXX/XXXX deleted a different Chase account from my credit report. I had a Chase Card with Slate for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason XXXX and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/Chase Slate they said they NEVER delete accounts from credit reports. I asked that XXXX  put the account they removed back on my report and they said they can not because Chase is the one that deleted the card. Chase told me XXXX has it on my older reports and should accurately report it Chase can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.
I can not believe how inadequate the research into my problem has been. After numerous requests via credit reporting agencies and cfpb I finally got an accounting of my charges by Capital One, and as I already reported, they very clearly charged me over {$80.00} interest in the first year of my card which had a {$300.00} limit. That 's nearly 28 % interest in the first year, almost 4 % over the 24 % legal limit. {$12.00} from XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX, and {$72.00} from XX/XX/XXXX-XX/XX/XXXX. I 've made numerous attempts to hold them to the law to no avail. I want this debt dissolved and removed from my credit reports. Indeed, if I could sue foe damages, I would.
Equifax has reinserted wrong unverifiable information on my credit report and has cause damage my credibility with loan officers.
I ordered a living room set sofa and a loveseat from  XXXX  i never received the items from  XXXX . Capit al one credit card charge my account. And when I call Capital one  concerning the issued they never resolve the problem. But when I talked to  XXXX  they say the already refund the money to capital. But capital one still refused to give me my money back to my account. My credit line is {$2800.00} but capital  one  just increase the charges on my account now my account is {$4200.00}. That is why I 'm reaching to you guys to resolve this problem for me.
On XXXX XXXX, 2017, I took an XXXX XXXX flight from XXXX, XXXX to XXXX, PA ( flight XXXX ). XXXX charged me {$100.00} for checking a bag on this flight. I paid this fee by using my XXXX XXXX XXXX XXXX credit card, which is issued through Barclays Bank Delaware. XXXX lost my bag and it was finally returned four days after the flight landed in XXXX. I spoke with XXXX on each day to determine the progress in the search, and each time I was told that XXXX would issue a refund for the baggage charge. I was also instructed to contact the refund site for XXXX and explain the circumstances and request a refund. I did this on XXXX XXXX, 2017. I  did not hear any response from XXXX regarding my refund request so I contacted the XXXX/Barclays credit card issue to contest the charge. The credit card company told me that I had to deal with the XXXX XXXX company for the refund, and she tied an XXXX XXXX representative into the call. XXXX XXXX told me to submit another refund request. I told the credit card representative that I wanted to contest this transaction. The credit card representative refused to record a challenge to the transaction and again told me that I had to deal with the airline. The credit card representative told me that she could not record a challenge to the charge because the airlines had not guaranteed to deliver my bag as of any particular date ; I responded that it was implicit that it would not take four days to deliver the bag. I have spent hours on this dispute -- going back and forth between the credit card company and the airline. It is my understanding that I have the right to challenge a credit card charge and that XXXX/Barclays should have cooperated even though the dispute is with its affiliate, XXXX XXXX.
Experian does not help the consumer but only the creditors. 
File a dispute with Experian for an account ( XXXX ) that was charged off. Experian sent me an email stating the investigation was done and a link to view the results. The link showed the latest report which the account I disputed was not updated with the results of the investigation. I screen copied the online report and called Experian. The agent tried to convince me that Experian did an investigation, but they at the least would update the status date, and the had not. XXXX, as well as XXXX have removed the errors.
It shows that I opened a line of care credit when I never did. I do n't know who or where this came from!
After multiple disputes with Trans Union they are still inaccurately reporting a late payment on XXXX on my XXXX XXXX. XXXX has sent XXXX requests for the information to be updated yet Trans Union has not updated the information. I do not have any late payments with my XXXX XXXX.
In XX/XX/XXXX I applied for an HSBC checking account and it was rejected because they " could not verify my identity ''. I thought I might have made an error in the application so I reapplied several times and each time I was rejected for the same reason. 
I am XXXX years old, retired and lived in Ct for 50 years.Prior to retirement I held several uS Security clearances. My credit score is about 800. 
I supplied HSBC with my drivers license info as well as info on an account at XXXX XXXX I have asked them many times what the issue is and get no answer
Was told payment would keep debt from reflecting on my credit as a collection action. Payment made over 60 days ago.
XXXX XXXX, 2014, XXXX XXXX sent a letter to Frederick Hanna & Assoc. to settle my account with XXXX XXXX. They advised them to make direct contact with them and to seize contacting me. Well, a year later, XXXX XXXX has frozen my account and placed a garnishment against me. This is enabling me to pay my mortgage and resulting in insufficient funds against my account. Frederick Hanna & Assoc. have yet to contact my attorney through XXXX XXXX and are forcing me into bankruptcy. Are n't debt collector attorneys required to communicate with Legal representation on behalf of the consumers?
i have not been able to get the free annual credit report fromEquifax and have not been able to contact them via phonebecause the number they list on their website connects toXXXX conferencing. I have a freeze on my account butwhen you attempt to submit an online request for thereport there is no place to insert the pin # thereby initiating anautomatic request to fill out and send in a hard copy form whichcontains personal information which I do n't want to disclose in thismanner for obvious reasons. Additionally, the automated phonesystem has no option to connect you with a customer service rep. 
I have not received the free annual report since 2013. I obtainedtheir actual phone number from the consumer action handbooknot their website as would be expected
I opened a Macy 's American Express Card XX/XX/XXXX. This automatically opened a Macy 's store credit card, as well. I put several purchases on these credit lines. Although I am never late in paying any of my bills, whenever I received the monthly statements from Macy 's the charges were always overdue. In other words, the due date of the payments was before the monthly statement was issued to me. Thus, the charges were always overdue by the time I received the statements. Because of this, I tried closing my Macy 's accounts. I spoke with numerous customer service representatives and closed my accounts multiple times over a 6 month period. Each time I did so, I would still get another monthly statement saying that my accounts were still open. Finally, I spoke with a manager who " confirmed '' that my accounts were closed. I did not receive another monthly statement, so I assumed that my accounts were finally closed. This was in XX/XX/XXXX-XX/XX/XXXX. Now, here in XX/XX/XXXX I got an alert from my bank that my credit score had changed. Upon examining my credit report, both the Macy 's American Express Card and Macy 's store credit card were still open! I have tried many, many times to get Macy 's to close my accounts but they still have not done so. This is after fleecing me on late fees for charges that were never truly overdue. I am asking the Consumer Financial Protection Bureau to help me.
I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the Equifax with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
good day to you:  hi her the bank info  bank of america XXXX XXXX XXXX, XXXX ca, XXXX   hi the wiretransfer was sent from the XXXX i got the email at XXXX XXXX XXXX. i click print an the print came out 1 of the student. didt give me my printe with my account number on it. he kelp the info for himself, he has been useing my account from XX/XX/2011 tile now his info mr, XXXX XXXX XXXX. he left school to keep me from going to the school. it now has nothing to do with there laws. i call an the bank wil not do any thing. an the local branch will not talk to much to me. the lady work in the wiretransfer dept, has move on to a nother job.   thanks for your time,.
I refinanced my mortgage with Freedom Mortgage on X/X/16. It was never disclosed to me my previous escrow balance would be used to pay down my current mortgage. Furthermore I specified to my representative I did not want my escrow used to pay down my loan, nor did I sign anything authorizing this action. I was assured this would not happen. Three months after my refinance, I realized my mortgage had gone up substantially. When I called to find out why, Freedom Mortgage explained to me they charged my account for a shortage in my escrow account and raised my monthly mortgage payment to cover the shortage. After further research, I discovered Freedom mortgage did use my escrow to pay my loan down. I have reached out to Freedom Mortgage several times to address the matter with no resolution.
I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the some proof such as a contract with signature for the debt that they state is mine. I have received NOTHING as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the state of Texas. I have not received that either. It's been almost 2 months.
Aqua finance, XXXX XXXX XXXX and there investment banks are still harassing us. We sent numerous complaints to your office through the U.S. Mail and also online. Just recently we started receiving responses from Aqua but for what ever reason we could n't see what Aqua had wrote and we used different computer devices but nothing would show. We started writing your department because our complaint would n't go through when we hit submit at the end our when Aqua replied, the system for whatever reason would n't allow us to dispute. This is another tactic by Aqua using there influence to manipulate the situation. Why would we submit a complaint of harassment as many times as we have and not follow up on them makes no sense! Aqua is getting caught in all types of lies. Aqua stated that financial systems XXXX are no longer working on our account, they just admitted to another lie. If your department pulls out all the information that we sent you, there is a correspondence print out that displays conversations between Aqua, the XXXX and ourselves. Aqua clearly stated on the correspondent that they Do n't Have Anyone Working On Our Account so with there on words they are caught in a XXXX and yes we have copies plural of that correspondence print out and we can always send your department another copy! Aqua wo n't even address the conversation involving the print out, they only address the pictures thinking they can explain there work vehicles constantly being around us XXXX following us XXXX. Aqua in there arrogance has forgotten that they told the XXXX that they do n't have any representatives in our region, once again another lie! If your department reviews our complaints and the evidence that we have sent you, this a clear case of felony harassment. Aqua also told the XXXX that they do n't deal in real eastate or mortgages and that they never have and they never will. Well I guess I can see the future, because if your department checks there web sit you will see that Aqua is in real estate, mortgages, car loans, business loans and even personal loans. In my opinion this makes them a much stronger company to harass people because they a lot of influence. We can send your department another print out of there conversation with the XXXX that proves that they are liars and are very crooked companies. Ever since we have been sending your office complaints, it has yeilded significant results, we have also sent the Texas ago at least XXXX written complaints over the last 4yrs. We appreciate all your help and if this has to go to court your departments wo n't be forgotten when talk to the media. A lot of lives have been ruined by these thugs and it 's time to, bring them and there collegues to justice. No one is above the law, we do n't care how much money or influence you have!
My loan was bought by Bay View Loan services in XXXX. I had missed the XXXX Payment. I made the XXXX Payment Then was contacted by the office asking me to enter into a repayment plan to make up for the payment I had missed. My payment went from XXXX to XXXX for 6 months. I had made all payments until I went to make the XXXX Payment then I was informed that the gentleman that had been over my account had left or had been let go and that my repayment plan had been cancelled. Then now they are telling me that I am 4 months behind on my payments. I have all of my payment receipts and I have called them to talk about my payment history they then tell me all they can do is request a payment history then I can call them back. As I am hanging up the phone I receive a certified letter stating I have 7 days to come up with XXXX or they will be starting default procedings
Barclaycard # XXXXcharged me a {$1000.00} as a transfer from another card that had a XXXX balance. Barclay refused to call the new company to correct this error. I made the call to the previous company and was able to obtain a check for {$1000.00}. Barclay rep told me in XXXX that once the funds were received they would credit the card {$30.00} free plus any more fees/chargesAs of today, they have not and refuse to correct their error. Today the balance is $ XXXXXXXXBalance {$56.00}, {$37.00} late fee, interest {$1.00}. 
All I want is to have the charges reversed and corrected from my credit report
I have been banking with Regions Bank for years and I have noticed repeatedly that they will move transactions around usually putting the smaller ones after the XXXX large XXXX in the latest XXXX times in the last couple of weeks. I noticed they took charges from days early and moved them after and they have charged in excess of what I actually spent. In the tune of probably XXXX XXXX dollars in XXXX transaction they actually doubled their fee. 
I have been a customer for at least XXXX years and have complained about this repeatedly. their response has been we can only adjust them once. This is how their making their money and its wrong. I did n't buy ciggerettes from XXXX stores in XXXX day or go to he grocery store XXXX times in XXXX day
Please see complaint XXXX for background. The credit company listed in previous complaint would not answer my attempts to resolve debt. New York HESC passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and NY HESC documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. These account are XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX.
XX/XX/2018 - we discovered a company has been charging us for monthly credit reports. 

Neither my wife nor I can ever recall signing up for a monthly credit report service. Yet we recently discovered that a company called XXXX and/or One Technologies, LLC of XXXX, Texas has been charging us a monthly fee of {$29.00} since the beginning of 2018 for it. However, a customer service agent we contacted verified that we have not been receiving them by mail or accessing them online. Even so, the company is refusing to refund our money which now amounts to {$290.00}. 

I believe XXXX/One Technologies is practicing " predatory '' sales practices and enrolling people, like us, unwittingly in some kind of a monthly credit report subscription plan. But it's a scam. XXXX and I wouldn't know what to do with a monthly credit report even if we had one. Please help us recover our money and stop them from doing this to other people. 

XX/XX/2018 - XXXX replied to my request for a full refund. 

REFUND STATUS XXXX, thank you for contacting XXXX Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2018 {$29.00} Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved The refund decision is based in part on how long the account has been active and the services provided. Important refund status information : APPROVED : The refund should post to your credit card or bank account within 3-5 business days. 
NOT APPROVED : The refund was not approved because you requested the refund after your communicated billing date.
Public record inaccurate. My personal information on the XXXX XXXX report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois State motor vehicle. I need the information on the XXXX XXXX report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois my driving record.I want to dispute information on XXXX XXXX reference number XXXX. XXXX XXXX Phone : XXXX Opt 1,2 Email : XXXXXXXXXXXX