WillisBack/dataset-financial-user-claim huggingface dataset:
My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/2016. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. Equifax just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.
Today XXXX/XXXX/XXXX I received in the mail a notice that I owed on a debt ( pass due account ) that I have never been involved in or been the primary beneficiary of loan. 
I have never received any correspondence and /or notification in reference to this debt ever! 
Approximately 4 to 5 years ago my oldest son XXXX XXXX got a loan for a PU from a dealership and I was requested by dealership to be a reference to his loan. I specifically told them that I would not co-sign a loan as I was going through a divorce and was working on my own financial needs ... The paperwork was filled out at the dealership by the car salesmen ( not at the bank and not before a bank loan officer ) and I was told to sign just for a reference. 
Several months later my son lost his job and was unable to make his loan payment ... He made some type of arrangement with the dealership/bank to turn the PU back in to settle the loan ... ( That 's what he told me what happened and until today I have not heard/ received any correspondence/notification of any type from the bank/dealership or anyone else involved with this transaction. 
Now I 'm told by Credit Management of XXXX XXXX when I called them today. That I 'm the primary person on the loan and that I initially owed them {$4200.00} and with additional interest of {$4300.00} and need to pay immediately a total of {$8600.00} Or they will have judgment against me. 
Credit Management said they did n't know anything about any notifications from bank ( original creditor ) as the just bought this past due account in XXXX. 
I did n't even know there was a problem with XXXX XXXX XXXX and XXXX until I received the notification today. 
I feel XXXX XXXXl and Credit Management are after me due to I have a stable financial situation and I have more assets then my son. Where my son is still in the process of working on his credit score and financial health.
Credit inquiries were previously disputed and deleted from my credit report. I check my report and found that the deleted inquiries were re-entered. I made several calls to Transunion and the representatives that I spoke with admitted that there was a glitch in their system. I was transferred to their " special handling department '' to get my request fulfilled, they advised that they will handle, confirmed that the items would be removed and nothing ever happened.
Hard Inquires that I didn't make on my credit, please see company below that I did not contact! 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Having all these inquires is making my score go way down and I never contacted these companies above. Thank you
I do not have an account with Monterey Financial Services and therefore do not know why they are emailing as if I do. I got one bill from Monterey Financial Services and then XXXX XXXX transferred the bill back to their office and started sending me separate billing while they said they would credit my account and fix the amount owed since they never finished the work nor gave me financial credit in nearly a year. During this time I would receive a statements from XXXX XXXX thinking they will fix the tub which is not functional as the video on tv and internet said it would be. They advised that I was not to pay Monterey Financial Services and that I will be billed in house due to their error of not finishing the work and billing was incorrect. It is impossible for me to be in collections with Monterey Financial Services when I do not have any affiliation with Monterey Financial Services due to being billed for my account that is still in limbo for nearly a year. Also the work on this account was never completed and after more than XXXX calls and emails, faxes and certified letters no one from XXXX XXXX has decided to contact me to resolve the matter of the tub not working as it should and as of today 's date after sending a certified letter they have chosen not to respond. The tub which XXXX installed leaks and also now has disgusting drainage flies after the installation of the tub. As of today 's date no one came to fix anything and the tub does not get hot so in order to use the tub it 's cold water. They advised on numerous occasions what they would fix it and its been nearly a year and no one has ever showed up to do anything. I have no affiliation to pay for an account that was transferred back to XXXX from day one when I first got a bill from Monterey Finance I immediately called and was taken off the call list and billing list as a client and advised by Monterey Financial Services staff that XXXX has the account back. I never heard back from Monterey Financial Services office now after all of these months no calls, no statements were sent not even a letter only an email from XXXX XXXX XXXX advising me of arrangement to pay or obligation when there is none. No one can pay XXXX companies at the same time. No one can pay for services not completed, no one can pay one company for a few months then the other company for another then jump back to the finance company this makes absolutely no sense and is poor business practice. I will repeat I do not have an account with Monterey Financial Services and my account is with XXXX XXXX as billed I am still waiting for the work to be completed so I can use the tub and also for someone to get these drainage flies out of here from the sewerage line that was incorrectly installed. I have waited nearly a year for someone to show up I have emailed, called send certified letters and not one letter in return.
The address XXXX XXXX XXXX XXXX, XXXX PA, XXXX appears on my credit report under addresses. I have never lived at this residence which raises the concern of identity theft. I would like this address removed from my credit reports as it is untrue.
I have requested at least on 4 different occasions for Capital One to provide me with a ONE time courtesy goodwill for ONE late payment on my account. The late payment occured in XX/XX/2017 when I was making a transition in employment. I have since maintained a positive account, making all payments on time and for the balances due. I've contacted XXXX XXXX in reference to requesting credit limit increases and was given inaccurate information. I have emailed about the inaccurate information and the process for getting CLI or changing account over to unsecured and those emails were never addressed.
On XX/XX/XXXX I called Wells Fargo dealer services to pay my past due amounts to get me caught up to date I had lost XXXX XXXX as I am XXXX and was unable to make my payments due to loss of income they refuse to accept my past due payments by telling me that had I called two days earlier they would not have charged off my account and would have accepted my payment then now that my account is in charge off status they can no longer accept my payments I have called them five times trying to speak to an executive they refused to give me a name or phone number for an executive they refuse to reverse the charge off even though it was only a two day difference and that I did offer to pay all of my past due amount owed They offered a settlement for an amount of {$1700.00} per month for four months but I told them there is no way I can pay that kind of money and I begged them to please lower the amount that will help me with my financial situation and my hardship with my self-employment and loss of income but they refused to help me All I want to do was pay all of my past due payments of three months so I can get back into my monthly payments I can not afford to lose my car it is my life. I have never received anything in writing from this company that this charge off would be happening they have not contacted me at all with a letter either mailed or certified they claim they tried to reach us by telephone but never succeeded theyve never left messages on my telephone id they did call so to me they did not try to contact me to tell Me this would be happening and to offer me to get my payments paid on time before the charge off I dont think its fair that they did not contact me in writing or speak to me by telephone
I called Nationstar today to follow-up with the modification application I applied for XXXX XXXX, XXXX. In speaking with the representative, I learned that my property had a sale date for today, XXXX XXXX, XXXX. This was surprising news to me because I never received a notice in the mail or by certified mail of this action. The representative emailed me a supposed notice from XXXX XXXX, XXXX about the property 's sale ; however, the alleged notice of sale she emailed to me did not have my mailing address or my property address on it ; nor did it have a sale date. Besides, when I spoke to the Nationstar representative after my modification denial letter on XXXX XXXX, XXXX he told me my mortgage account would be on hold 30 days after this denial letter ; and then another 30 days for the published public notice. 

I need clarity on how my property was up for sale without me being notified and without proper procedures.
On XX/XX/XXXX I found out from Experian that XXXX XXXX Card Services,  XXXX XXXX Executive office conducted two investigations into my accounts. Neither Experian nor XXXX XXXX sent me any notification, wriiten or otherwise regarding this matter. On the contrary, on XX/XX/XXXX they sent letters stating that the investigation was continuing. 

After spending 2 1/2 hours on the phone with Experian yesterday my account was abruptly closed. 

Here is a brief history : in XX/XX/XXXX I went into a XXXX XXXX branch and inquired why my secured credit card showed as deputes and resolution the banker told me that it wasn't in disputes and resolution that was only IF I wanted to dispute something. I called card services they confirmed what the banker told me. In XX/XX/XXXX after 10 months of ongoing fraud, online banking fraud, fraudulent email changes, address changes, phone number changes, unauthorized payments made to cards I knew nothing about, steady decline in my credit score despite paying more that I owed, being lied to by executive office, inaccurate credit reporting, mail fraud, legislative credit freeze ( whatever that is ) double billing, investigation and re-investigation and never getting the results and being lied to about it
I HAD THEFT TO MY ACCOUNT. THEY LOCKED MY ACCOUNT FOR OVER A MONTH, MADE ME GO THROUGH ALL KINDS OF LOOP HOLES TO GET MY MONEY AND HAVE THE PERSON ON CAMERA THAT DID FRAUDULENT ACTIVITY TO MY ACCOUNT. HOWEVER, AFTER NOT GETTING ALL OF MY MONEY THEY STILL CLOSED MY ACCOUNT AND ARE REPORTING AS I OWE MONEY. I GAVE NUMEROUS STATEMENTS AND WAS WILLING TO PROSECUTE. I EVEN FILED CHARGES WITH MY COUNTY POLICE DEPARTMENT.
i graduated in XXXX with multiple student loans totaling $ XXXX. Also due to being a full time XXXX XXXX i also accrued about {$7000.00} in credit card dept. since the time of graduation i have attempted to inform PHEAA multiple times that i cant afford the cost of repayment that the company was asking. PHEAA also quit sending my payment by mail about two years ago. when questioned last month about why they told me that they have been sending via email and that they did not have to send me notices at all it was just a courtesy. they were sending notices via email with i never signed up for. PHEAA is unwilling to work with me and has now placed my loans in default. i signed up for the public service repayment program. this program is not only a unfunny joke but is detrimental to the public servants it takes advantage of. 
i have been trying to figure out how the XXXX this is a loan forgiveness program when they wanted me to pay {$160.00} a month for the next 10 years lets do the math ( XXXX*12 ) =XXXX*10= {$19000.00} are you kidding me. i could have paid this loan off over the last five years and paid less in interest and for the loan period. i also understand that Massachusetts AG has filed suit against this very company for taking advantage of people that only want to help people.
I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by KXXXX XXXX because they sent a dispute update to EXXXX but did not notify me by mail. According to fair XXXX XXXX laws, XXXX XXXX   should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
I applied for a bank of america business checking account and was initially approved provided sufficient documentation of the business and received a business debit card and online banking access as o f  XX/XX/XXXX .   No activity occurred other than an initial {$25.00} deposit. Today  X/XX/2017    I could not activate the card and was today the account was terminated for no reason. They did not disclose this information to me legally the representative was rude and provided no additional information. This should be against the law to terminate good standing accounts and waste peoples time with an already burdensome application process ( i would have applied elsewher e ). Plea se enact a federal regulation overseeing the closure of these accounts, many people are having their money with much large deposits being stolen by Bank of America. To call them names and ridicule them does not due them or myself justice instead take control of these banks and enact legislation that will regulate these unjust activities OR sue them and give us our money and time back. I am a  XXXX   XXXX   XXXX  patient and they just took more time off the remaining life that i have. What pieces of garbage!
On XX/XX/2017 I received a response from a debt validation/hippa request letter I sent to Account Resolution Corporation. They responded with a mere screen print out which does not include contract I signed with the original creditor which is what I requested in my initial validation letter. This company also included medical information that they should have no access to under the hippa privacy laws. I may be submitting an additional complaint pertaining to that matter as well.
I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, 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 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 XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!
I had leased a XXXX and my lease was through Ally XXXX. I returned the car at the end of the lease on XX/XX/2016. The inspection was done by Ally on XX/XX/XXXX ( after XXXX weeks ). Then Ally sent me a bill for {$550.00} for damages that did n't exist when I returned the car. I spoke to Ally a couple of times and emailed them but they just keep sending me the bill.
Ive been having trouble making transactions with XXXX, everytime i try to link my debit card it td bank keeps blocking me everytime i try to buy, even devit card saved under XXXX XXXX will not work this is causing me to lose money.
I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 6 inquires : 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, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XXXX ) and continued over the next months as per the agreement. However, in XXXX I was told by XXXX XXXX that they rescinded the offer made in XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XXXX and XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.
LTD Financial Services Limited Partnership has continued to report unfavorable remarks on my credit profile for a debt that I do not owe. And their remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
The Bank of Nevada/Western Alliance Bank AutomaticTeller Machine location XXXX at XXXX XXXX XXXX XXXX XXXX Nevada, did not released the {$400.00} I requested on XXXX XXXX, 2016 approximately at XXXX using my XXXX XXXX Debit Card .A message on display stated an invalid transaction. On a second try I collected the {$400.00} with a receipt of the transaction which indicated the previous {$400.00} were already deducted from my XXXX XXXX debit card from my checking account causing a low balance of {$310.00} from the XXXX checking account balance. I immediately on the same day XXXX XXXX, 2016 I reported the Bank of Nevada/Western Alliance Bank 's ATM Fraudalent Activitiy to my XXXX Customer Services representative, XXXX XXXX XXXX, at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Nevada. The XXXX XXXX representative, XXXX XXXX XXXX is claiming the {$400.00} from the Bank of Nevada/Western Alliance Bank be credited to my XXXX XXXX as soon as possible. Such ATM fraudulent activity caused me to suffer severe financial distress lowering my Checking Account Balance with insufficient funds to meet my next financial obligations due on XXXX XXXX, 2016. My income is from the Social Security Administration Retirement Benefits payable only on the Second Wednesday of each month. My next direct deposit is due on XXXX XXXX, 2016. Consequently, because of the Bank of Nevada/Western Alliance Bank 's Automatic Teller Machine 's fraudulent system I am suffering a severe financial hardship.
I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.
There is a claim of a balance owed to XXXX. That is disputed. The account was paid in full in 2012. Requests for an account statement under the Fair Credit Reporting Act have been ignored. There has been no evidence of the existence of the debt, the alleged balance of the account, supporting data related to the alleged account balance or documentation regarding this alleged debt.
I recently filed a complaint XX/XX/XXXX against XXXX XXXX   and this is the response I received : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$620.00} on their behalf. On XX/XX/XXXX, you spoke with an agent in our office and requested proof of the balance owed. The account was placed in a disputed status and collection efforts were suspended. OnXX/XX/XXXX, we mailed you statements obtained from XXXX validating the balance that they state is owed. Within the verification information we have provided is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to verification of debt. In response to your desired resolution, XXXX XXXX   has closed this account in our office and returned it to XXXX. We will request that our information be removed from the credit bureaus. XXXX XXXX does not own this account, and therefore we are unable to guarantee resolution. If you have any further inquiries regarding this account please contact XXXX   directly.