WillisBack/dataset-financial-user-claim huggingface dataset:
Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : TD BANK XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
I received a letter from Worth Finance Corp that included a " check '' for {$800.00}. In reality, this is an offer for an {$800.00} loan with an APR of 91.02 % ( {$370.00} in finance charges ). Is this legal? Should n't the CFPB be shutting down predatory lending of this nature?
I had 3 cards with Chase, one of them was a Chase Freedom Unlimited, which I had not used in over a year because I had other cards, which I 'd received afterwards, which had better benefits. I called them to find out what they recommend, to replace this card, and Chase recommended the Chase Freedom card so I asked the person to cancel the current Unlimited card and send the Freedom card. They did but before I had a chance to confirm I received it ( authorize it on the chase site ), they cancelled it, the Chase XXXX and Chase XXXX card for " too many inquiries on my credit report, in 2017 ''. They have not contacted me to tell me this, I called them when I tried to use my XXXX card for a {$3.00} purchase, on XXXX, and it was denied. Both " fraud '' people I 've spoken to agree that I have never missed a payment, in the over 20 years I 've had various Chase cards, nor been late, they just chose to do this because " i was a threat to the bank '' ( their words, not mine ).
First of all I am a widow and XXXX. my daughter came to visit me in XXXX and suggested I come to XXXX to live with her in the winter due to my XXXX. I agreed. I packed up my things but first went to visit her. She showed me a new home she wanted to buy saying it would be closer to her job. The closing took place during my visit and to my surprize she produced a gifting letter and insisted that I sign it. Well i wasnt sure what it was but she insisted again that it was noyhing for me to worry about. Promised her taxman would help avoid taxes and she promised to pay it back. Are you getting where this is going? I signed it. I headed back to XXXX and before I even got off the plane here comes her text messages saying she didnt think it would work out. I said ok but I have to get my money back. Time went by. She did send me {$500.00} and that was it. I did contact the closing company and they were not so nice and said too bad its a done deal.She actually was personal friends with the closing man. It totals to my loss as {$11000.00}. Is there any recourse besides civil court I can take. It was all the money i had and now she has me blocked and no communication at all.I am devistated and broke. Isnt there some sort of elder abuse or misrepresentation orfinancial exploytation in this mess. I cant seem to get any help ;
My case number is XXXX. I just received this e-mail ( below ) from you this morning. Last night, Capital-One put their false information back on my XXXX credit report, for at least another 60 days. So, tell me, while this case is in dispute, they are allowed to report false information, that has been disputed??? I read the FCRA and my understanding is they are to REMOVE the ( false ) information while the account is in dispute. Is there no justice here? And WHY are they allowed 60 or more days? I 'm going to write the FTC now, and get my attorney involved. This does not pass the smell test. 

XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ XXXX : XXXXXXXXXXXX ] Sent : Wednesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX We will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )
On XX/XX/XXXX I submitted a complaint here bc I had been working to have Equifax, XXXX and XXXX  correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX  has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and Equifax have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
I bought my home 11 years ago inXX/XX/XXXX. The loan I got was a terrible balloon/arm 30 year loan. The original loan servicer was XXXX XXXX XXXX. Then the loan was transferred to XXXX XXXX XXXX.  And then it was transferred to Ocwen Loan Servicing. Ocwen has been servicing my mortgage for about the past 6 or 7 years now. In XX/XX/XXXX I ran into financial problems and was n't able to afford my monthly mortgage payment. So I tried twice to get my mortgage modified through Ocwen. During the second try, someone from Ocwen actually told me over the phone that I was approved for the modification and that my monthly payment would be around {$580.00}. I was so relieved until Ocwen sent me a letter saying I had been denied a modification. When I called them to figure out why they told me I was approved before. They told me they would have never said anything like that over the phone. So in order to save my home, I filed for chapter XXXX bankruptcy. I have been in Chapter XXXX bankruptcy since XX/XX/XXXXand I have just a few more months left to pay. So on XX/XX/XXXX, I received a verification of mortgage account letter from Ocwen and they are claiming I have a 45 year mortgage when I should have a 30 year. So I call Ocwen and they tell me " Oh its just a typo ''. So I just go about my business thinking everything 's OK. Then on XX/XX/XXXX I receive a mortgage payment change letter from Ocwen . And on the second page under the " New Interest Rate and Monthly Payment '' section, Ocwen claims I have 408 months left on my mortgage. Which would mean I have a 45 year mortgage. How did my 30 year mortgage become a 45 year? This is n't right at all. Also another complaint is my mortgage payments have fluctuated alot over the past few years. You will find my original loan terms document and both Ocwen letters attached.
I tried to deposit {$840.00} into an ATM machine near my school, however, ir sucked my money in. Then, instead of counting it, the machine ate my money and read error. I reported to the problem to the USBank, and they put {$840.00} temporary deposit into my account on XXXX/XXXX/2017. However, they reversed {$480.00} back on XXXX/XXXX/2017 and noticed me that they decided I only deposited {$360.00} into the ATM. 

I absolutely made a {$840.00} deposit into the ATM. I tried call them, and was transfered to over five person, no one actually helped me! The last one told me to go to the bank branch. When I went to the branch, the clerk and manager tried to transfer me to somewhere else by asking me to call the customer service. At last one manager assisted me to file another claim, and told me to expect the answer in 10 business days. However, three weeks passed and not a single notice has been given. 

With about five years use of USBank checking and saving account, I have never owed the bank for a single XXXX, but they tried to " steal '' {$480.00} from a student and leave me no reasonable explanation.
Online I temporarily lifted my credit freeze with Experian from early  XXXX  to  XXXX   XXXX ,  2017 . I am moving to  XXXX   XXXX  and I need to allow landlords to run credit checks as I search for apartments. Since I did n't know how long the process would take, I requested a lift for the maximum period of time. Now, I want to restore the freeze since I have found an apartment. Both  XXXX  and  XXXX  conveniently allowed me to restore the freeze online. Only Experian will not allow me to now cancel my credit freeze lift. I tried first online and could n't do it. Then, I called Experian  (   XXXX   XXXX   XXXX  ) and was told the original credit freeze lift had to stay on until it expired. This arbitrary behavior is uncalled for and actually increases my exposure to credit fraud. Please look into this issue.
I did not receive the last bill for purchases made at Macy 's. I received the next bill which included interest and a late charge which is due on XX/XX/XXXX 2017. Everyday since I received the second bill, I have received a robo call from them. I responded to the call and let them know that I directed my bank to have an automatic bill payment for the full amount within the week. I still continue to get these calls. I have excellent credit and have never had this kind of treatment from any creditor. This is unacceptable.
I was informed under the MIDS program in XXXX, VA, that the mortgage loan granted by Navy Federal Credit Union was invalid due to the restrictions on my deed. XXXX took the loan off the books and did not notify me of this action. In trying to do a modification on my XXXX note, it was discovered that the lien was not removed. I made a request that because of XXXX illnesses it would be extremely helpful if they would release the lien. Especially since it was invalid. I got no response so I submitted a QWR request. Again no response, so I wrote a letter to the head of mortgage loans, a XXXX XXXX. After two weeks I submitted a second letter and still no response. Since this time, one of the owners health has turned grave and it is of the most importance that we settle this as soon as possible.
My name is XXXX XXXX XXXX. I applied for a refinance Mortgage loan at U.S. Bank. I was told that I could combine my XXXX mortgage loans into XXXX if my house appraised at {$200000.00} dollars. I applied on XXXX XXXX, XXXX for the loan. This process continued until XXXX XXXX, XXXX that was the date that I received an adverse action notice, citing the value of collateral as reason for my denial. I take issue with the appraisal itself, and the delay of receiving a prompt credit decision, despite several contacts with lending personnel requesting their decision over the months this process took. 

I think this constitutes clear violations of the Equal Credit Opportunity Act timing provisions, and is indicative of a larger problem with US Bank, where MANY other applicants could have been treated in a similar manner. Judging by the lack of concern about timing of adverse action among the bank personnel I encountered ( they seemed oblivious to the length of this process and that there was anything wrong with it ). I am a minority applicant with a long time on my job, excellent credit, and a home in a area of the city that is still appreciating ( a few blocks away from the XXXX XXXX ). I would also contend that the appraisal itself ( conducted XXXX XXXX ) was biased in that it only took comps from the neighborhoods XXXX of XXXX XXXX My property ( XXXX XXXX XXXX XXXX is city blocks XXXX of XXXX XXXX, which is a dividing line for where the majority of economic development and housing appreciations in the area is taking place. 
The appraisal came in late XXXX, had errors in the comps that it showed XXXX XXXX address being twice ) and in the wrong place. At that point I was told the value of my home was {$170000.00} and a loan officer texted me a counter, involving me purchasing PMI if the refinance was to proceed. Frankly I do n't believe it is possible to sell a finished home with garage for so low an amount in this neighborhood ( it would be bidding war that would take it over $ 200XXXX ). I was not happy with that offer and clearly told them I was not interested in that scenario. No subsequent appraisals are evidenced in the loan files, they stuck to whatever value their part-time appraiser came up with and never budged over the 4months I was simply requesting the credit decision in writing. I have other documents including my copy of the appraisal and the adverse action notice ( received XXXX XXXX ) available upon request.
I checked my credit and seen some fraudulent accounts this was one I  have no clue about I wouldnt want anything from the merchant
I have disputed the XXXX XXXX account many times with all of the credit agencies. They have all removed it except for Experian.
Equifax improperly re-inserted an account into my credit file without notifying me. I had disputed an account with XXXX XXXX XXXX 11 months ago and Equifax removed this account from my credit file, but then about 6 months ago they improperly reinserted the account without the notification required by law. I have since then attempted to get this improperly reinserted account removed from my credit file, but they have refused to do so. The account number is XXXX Balance {$3300.00}. This is not my account and I have provided Equifax with a police report, Identity Theft Affidavit, driver 's license, and my social security as I was supposed to do, and they have refused to act. It is a violation of the FCRA that they reinserted this fraudulent account into my credit report. I did not open this account and this account in no way belongs to me. <P/>Equifax also has my credit file mixed with ( 2 ) other peoples credit report and they have been made aware of this multiple times, however they refuse to separate the 3 files, I have many accounts on my credit file that do not belong to me. I have been able to determine that the accounts that Equifax has on my credit file belong to XXXX XXXX, and another individual named XXXX XXXX. Equifax has refused to resolve this matter. <P/>The following accounts do not belong to me and are not even under my social security number they are under a totally different persons, yet Equifax continues to report these accounts as belonging to me, and these accounts are as follows : XXXX XXXX XXXX Account Number XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX not mine not my social security number XXXX XXXX  XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX Not mine not under my social security number XXXX XXXX XXXX XXXX XXXX XXXX fraudulent account that was improperly reinserted after Equifax deleted. <P/><P/><P/>Fraudulent Inquires or Belong to someone else XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX  XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XXXX XX/XX/XXXX ( Not mine fraudulent )
In the XX/XX/XXXX XXXX representatives from US Bank came to my store to sell me a credit card machine. When asked, I showed them the terms of my current machine. They told me they could beat the service and price. The name of the ladies are on the documentation that I am attaching. A week later they had XXXX of their associates call me to tell me that they could n't offer the terms the gave me verbally. I told them to close the account as I was going to stay with what I had. Since that time, I have been sent to XXXX different collection agencies. I have disputed the account in all XXXX cases over the past 4 years. The latest one was in XXXX XXXX, and I just received the response attached XXXX XXXX never hear from the other XXXX collection agencies again after I sent the disputes and assumed that it was resolved. I have attached all of the documentation regarding the XXXX disputes. It seems that US Bank continues to sell the account to different collection agencies after I have disputed it. US Bank is charging me for merchant services I never received. They did not send me a credit card machine, and because I never had a machine, there were never any merchant payments made. I would like this account with US Bank resolved for good. This has caused me a considerable amount of anxiety as I value my credit rating. This has been time consuming each time, and it does n't go away. I do n't want to pay a collection for something I never had. Thank you for you help with this matter.
My husband and I disputed many accounts and inquiries on Equifax, XXXX and XXXX in XX/XX/2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.
XX/XX/2017     Capital One was d eceitful in the mailer offer received I do not fill that the offer or cli provided was given with regard to my rights under the FCRA. To add further insult I feel I was treated poorly based on m y sexual orientati on and multiple times I was called a Ma'am during the call when I have applied a male -  XXXX  is not a female name -  XXXX  is ....
This complaint involves Hyundai Capitol America on  XXXX , Partial account number   XXXX   Date opened :   XXXX   XXXX   Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone numbe  XXXX   XXXX   partial account number ;  XXXX , date opened   XXXX   XXXX  . I just recently traded in the vehicle in  XXXX
XXXX Credit card account with Capital One XXXX was discharged by them and closed after I suffered critical XXXX issues required XXXX  for XXXX and unemployment in XXXX. They sent me letter in 2018 as confirmed was closed and wrote off. No balance owed. 

XXXX XXXX XXXX is now incorrectly reporting on my XXXX report this charged off Capital One account as this account being " Open '' and balance owed of {$330.00}. 

Capital One XXXX Account # XXXX
I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score the companies are XXXX control, Syndicated Office Systems and XXXX. they all say I owe XXXX
on XX/XX/2017 I disputed the balance on 2 of the 3 XXXX XXXX credit cards I have because I paid the accounts off so I wanted to see the XXXX balance on my credit report with trans union. Instead of correcting the balance trans union removed the 2 credit cards from my report they had been on my report for over a year and a half. I called XXXX XXXX several times they verified the information is being sent to trans union with my social security number. Trans Union states they wont add it back to my report because I am only an authorized user, I stated that its been on my report for the last year and a half and they have my social security number if something happens to my husband who do you think they will contact for payment?, me. Trans Union is refusing to add it back. I want the 2 XXXX XXXX accounts added back to my trans union report.
I am behind in my private student loan serviced by Navient. I am in the process of working with an attorney to file for bankruptcy. They still continue to call me every day starting at XXXX and continuing to call every hour up until XXXX, including weekends. Most of the time if I answer they hang up on me immediately. This is disrupting both my work life and my home life.
I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX a copy of a computer print out with no record of the payment from NYS Department of social services and it was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my XXXX   and XXXX reports. XXXX has consumer disputes and XXXX does not.
They have been calling threatening me with lawsuit and that if I dont contact them I could be sent to jail. They have called 3 people that I dont keep in contact with much, but they were worried and called me to say they were woken up with a man named XXXX XXXX calling them asking them about me. 
XXXX
I have been a victim of Identity theft since XX/XX/XXXX. Some one by the name of XXXX XXXX open an account in my name XX/XX/XXXX. The fraudulent account has been reported to XXXX which makes it impossible for me to open another bank account anywhere, and I am the victim. I find chase bank to unfair and not acting favorable in my situation that is causing me much difficulties. I 'm asking chase bank to remove the fraudulent account from XXXX