WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
I called the Department of Education in early   XXXX   XXXX   explaining that I wanted to settle my debt. I received the letter in on   XXXX   XXXX   XXXX   and called the next day,   XXXX   XXXX   XXXX  . My balance was {$1600.00}. My woman on the phone explained that if I settled for the amount of {$980.00} my debt would be considered paid in full and there would be no negative reporting on my credit reports.  XXXX  weeks later I noticed on the Experian website that the Department of Education had placed  XXXX  Failed To Pay remarks on my report dated   XXXX   XXXX   and my  credit score  dropped  XXXX  points. I called and asked for an explanation. They said I had paid late in  XXXX  so the reporting was correct. I explained that the late payment was made in  XXXX  so should be reported as late in  XXXX . I also explained that I paid the debt in   XXXX   XXXX   XXXX   and received no notification that the account would be " charged off '' and was told explicitly that there would be no negative reporting. I was under the impression that I was supposed to receive correspondence 30 days prior to the reporting, and I received the letter as stated on   XXXX   XXXX   XXXX   I have called repeatedly to get these remarks corrected and every time they said they would send me documentation to dispute the information and have receive nothing in 9 months. I have disputed the information with the credit bureaus but they keep telling me I need to dispute if with the Department Of Education.
I recently learned that a fraudulent account in the amount of {$500.00} was opened in my name via Speed Cash 's online process. 

Speedy Cash seems to have no issues providing cash to a fraudulently opened accounts but when it comes to answer question posed by fraud victims they and their compliance staff can not be located or wo n't answer. 

Speedy Cash 's business model, which loosely verifies identities via its online application process is an inherent danger to the general public. Their processes puts the onus on the fraud victim to show that the account opened was not theirs. Why should the general public have to spend their time getting police reports to satisfy the fact that the company has inappropriate policies and procedures to protect the public from fraudulent accounts? 

I have tried to contact the Firm 's compliance officer, chief compliance officer and public relations officer and apparently they are not willing to discuss their process with consumers and have failed to return my email. Further, I have requested to speak directly with their compliance officer but was told by customer service that their compliance officer does n't speak to consumers. As a compliance officer myself, in a different industry, I never hesitate to pick up the phone and explain policies and procedures and in general educate consumers whenever possible. Clearly their Firm 's view on compliance is narrow and in effective. 

Please take a look at this firm and ensure their policies and procedures develop significant safeguard to protect the general public from accounts fraudulently created in their name.
Attempt to contact collector several time within months of XXXX until XXXX to have closed account due to fraud remove from my credit but I was told can't find account. called and spoke with someone diffferent and was told in XXXX it will be removed by XXXX however account has not been removed and unable to speak with anyone to confirm why.
I have disputed items with Equifax numerous times over the past 2 years because I was a victim of identity theft back in XXXX. Several times Equifax claims that they are able to verify the information, but I know that to not be true because the debt is not actually mine. The latest case is related to the above Equifax case number where they claim to have verified a debt that was actually removed on an occasion prior. It was placed again by an agency that purchased the debt. I provided documentation to Equifax in the form of a signed letter from the original creditor certifying that the debt is not mine but they claim that it is genuine. 
I have also disputed several credit inquiries that are related to credit applications that I did n't not complete. Equifax claims these inquiries are factual record and will never be removed. This information is damaging to my credit report and is not accurate, therefore under the Fair Credit Reporting act they are required to removed everything that is not accurate. 
I have wasted hundreds of hours fighting with Equifax , and it is the most difficult of the XXXX bureaus to deal with. Everything in the last dispute I filed should have been removed because it is not actually related to me, and it is not possible that Equifax verified the information if they acted within the guidelines of the FCRA.
On XX/XX/2019 I made a transaction of {$180.00} to another Paypal member for concert tickets. Immediately Paypal reported the transaction as unauthorized and started an investigation. The transaction ended up being fraud, and I did not receive the items specified. Paypal will not allow me to open a report about the transaction because they already opened ( and closed ) a report about it being an unauthorized transaction. No action has been taken by Paypal to help me report the fraud.
On Monday, XX/XX/2018 XXXX XXXX XXXX contacted me 4 times in reference to a debt that I owe to XXXX XXXX  XXXX. The first time that they had called me, I did not say " hello. '' The representative called my name, but I didn't respond. From there the representative called me a second time and left a voicemail message. The representative, by the name of XXXX, called me back twice more after that, which I have proof on my cell phone. Actually, I had to block his phone number due to his continuous calls. 

On Tuesday, XX/XX/XXXX, I called XXXX back. XXXX proceeded to explain that XXXX XXXX XXXX XXXX had placed a lien on my house for a {$17000.00} loan for an HVAC/central air conditioner, which I never received notice about. From there, XXXX aggressively stated my place of employment. He told me that according to the contract that I had signed that if I had defaulted on my loan and XXXX had a right to place a lien on my house to collect the {$17000.00}. I told XXXX that I did not have the {$17000.00}. He asked what amount I could pay. I told him that I didn't know, since he is the debt collector he should be able to give me an amount. I also said if a lien was placed on my home, then, why should I have to pay the loan back? From there, XXXX placed me on hold. The call was disconnected, but I had called XXXX back. XXXX told me that I had to pay {$4000.00}, which is 25 % of the loan. I told him that I didn't have that amount. XXXX asked what could I pay. I told him I didn't know. I told XXXX that I never received anything in writing or a letter from his company about this debt. XXXX also became agitated because I had asked him to explain what a lien is. XXXX became annoyed with me and began screaming at me over the phone. I told him that he was being unprofessional and he hung up the phone on me. I called XXXX back and he continued to yell at me. I called him unprofessional and an XXXX. I stated that if the call is being recorded then why is he being so unprofessional. Then, XXXX mentioned how my spouse 's name is on the contract and he would verify his employment the same way that he verified mine. XXXX stated that he would enforce that the {$17000.00} be paid by any means necessary. Then, he hung up the phone on me. 

Afterwards, I called XXXX XXXX and explained what happened to me. I spoke with a supervisor by the name of XXXX. I had explained that I had to pay an IRS debt, which is why I fell behind in payments. XXXX stated that my loan was charged off and her company couldn't really help me. She said I had to deal with the debt collector. I told her I could probably pay in XXXX, but I didn't want to deal with XXXX XXXX XXXX. I explained to XXXX that I didn't trust giving the debt collection agency any payments because the representative was so unprofessional. XXXX stated that she would reach out to XXXX  XXXX  XXXX to see if I can deal with another representative. 

I need help with this situation. The representative yelled at me, hung up the phone on me twice, attempted to intimidate me by mentioning my job and contacting my husband and harassed me by calling me 4 times in one day.
See Related Complaint # XXXX Navient claims they can not reach me by telephone and email, and is no longer providing current statements or payment information on my online account, so I can not log-in to make payments or see current account statements. Also, they claim their emails wer3e returned, and I demand proof of this, as the prior complaint shows an email they sent to me and to which I replied. This also just changed after the XXXX 2014 collection call My telephone number XXXX has not changed ( see prior complaint ) ; also my email address has not changed : XXXXXXXXXXXX ( see prior complaint ). They are making it difficult for me to make payments timley.
On XX/XX/2018 XXXX XXXX XXXX reinserted a collection account onto my credit report for the third time. This is my THIRD complaint against this company, complaint # XXXX & XXXX both times I've stated that I did not have an account with this company and both times I've stated that this company do is NOT license to collect in Texas, in my last complaint the company stated they were licensed per the Texas Secretary of State this company is not listed as licensed. Each time this company have removed the account from my credit report and then reinserted. This is illegal and I will be pursuing legal actions for their actions.
Why should this company be allowed to send unsolicited pre-paid credit cards in the mail to me? This ought to be illegal.
I currently am enrolled in direct debit and receive an interest rate reduction of 0.25 % on my student loans. I pay an additional amount above the required monthly payment. I want to adjust the additional amount. In order to do so my loan company says I need to cancel the direct debit to change the amount and re-enroll. This will result in me not having direct debit for 1-2 months based on their processing time and incurring an increase in interest rate during this time. They have told me there is no way of changing the amount of my payment without canceling the direct debit and increasing the interest rate. I do not believe it is acceptable for them to penalize me for adjusting my monthly payments.
Debt collector sent letter requesting payment for two year old debt ( XXXX XXXX, XXXX ), owed hospital/E.R., physicians ( {$320.00} ) that was paid, partially by XXXX ( XXXX XXXX ), hospital write off leaving balance {$26.00} paid by patient. NO WAY hospital would have held onto this balance for nearly 2 years. My efforts to obtain the information from collection agency AFS, about who ( name, phone number ) submitted this claim has been non-compliant. They only want my credit card info for collection purposes. I am following the advice of my insurance company who have offered to supply information supporting my claim, as well as hospital records, if needed. I feel the collection agency has illegally obtained outstanding medical records, declined, perhaps, by XXXX.
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
XXXX is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and transunion. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.
This company put a XXXX XXXX XXXX account back on my credit reports after it was previously removed about 2 or 3 months ago with no valid explanation for doing it! First off this account should n't be reporting on my file anyways as its a fraudulent account and second off its 7 years old and is reporting inaccuracies anyways. I demand this account be removed again permanently from my file or my intent to sue letter will be typed up by my lawyer. There is also a XXXX account that XXXX Bank has already put a request for a deletion to the credit bureaus and this is the only one that has n't removed it yet!!
My wife was co-signer to a loan with her previous boyfriend ( signed while dating ). In XX/XX/XXXX, the vehicle owner crashed the car and stopped making payments to Wells Fargo.

Wells Fargo never attempted to reach out to my wife to inform her of the late or non-payments. Eventually, we noticed her credit score took hits and we contacted Wells Fargo. They informed us of the situation and we spoke to the vehicle owner to get what info we could. It was clear that the person who was in charge of the account wasn't going to be able to pay.

My wife and I made arrangements on XX/XX/XXXX with Wells Fargo to settle, in which they told us the settlement offer would be valid for 30 days. Prior to settling the account, we inquired around XX/XX/XXXX if there were any other ways to close out the account, other than paying in full and settlement. We knew settling would have an impact on her credit rating. Wells Fargo said they would look into it and get back to us within 24-48 hours. 

I attempted to reach the agent handling our case, XXXX XXXX in the " Office of the President '' on  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 3 times on XX/XX/XXXX with no return call. Asking someone at their main desk would forward me only to her voicemail indicating that she was in and would return my call right away. 

We did not hear back till the evening of XX/XX/XXXX. Told that best to either settle or make payments/pay in full. So I called the number given to just pay off the settlement and was told that it was sent to " Charge off '' on XX/XX/XXXX and may have additionally been in " Collections '' since prior to us even contacting Wells Fargo. 

My wife 's Credit Score is attached to this account and Wells Fargo made no attempt to reach us to inform her of the situation possibly before being sent to collections. The agent assigned to my case had to ask me even after on XX/XX/XXXX what my call was about to begin with. We were prevented or delayed in able to resolve a situation before it even needed to get to that point. 

I have reported my concern to the New York Consumer Protection Agency as of XX/XX/XXXX and have not yet been informed of a case number or any other information.

Wells Fargo has indicated the reason they did not contact the co-signer is because they had possibly been speaking with or making arrangements with the account holder / person who was in possession of the vehicle ( Prior to the accident ). I do not know if Wells Fargo benefits for having an account go into collections or charge off such as a Tax write-off for losses. My wife and I still paid the settle amount and are awaiting clarification from Wells Fargo if it will be on my wife 's credit report as a settlement or if " Charge-Off ''. We feel that a co-signer should be alerted if a payment is late or missed, even if they speak with the primary person on the account. Because of what we consider negligence on their part, my wife 's credit rating may be impacted and could take years to repair.
I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding XXXX accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I recieve notice the bureaus with out cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 

XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00}
Discover Student Loan Complaint Background XX/XX/XXXX Primary Student Borrower : XXXX XXXX Cosigners : XXXX XXXX  and XXXX XXXX Total Amount Owed : XXXX My name is XXXX XXXX, and both my step-father, XXXX XXXX, and my mother, XXXX XXXX are cosigners on my Discover Student Loans. All of our credits have been ruined by Discover Student Loans, although we have been trying to work with Discover since I graduated from college in XX/XX/XXXX to get more reasonable payments based on my income ( please see additional attached documents ). After ignoring our pleas and ruining our credits, Discover decided to put me on a Hardship Program, after I lost my job. This went into effect in XX/XX/XXXX.
My mother called Discover Student Loans at XXXX at XXXX on XX/XX/XXXX and spoke with XXXX . She requested that our credit reports be corrected since we have been trying to work with Discover Student Loans for years to come up with a solution. XXXX told her that Discover will not do this, so she sent an email requesting that the phone call recording be escalated to senior leadership at Discover. She received a call from XXXX XXXX at Discover on XX/XX/XXXX and was informed that the issue is being escalated to Discover Executive Leadership. My mother received another call from XXXX XXXX on XX/XX/XXXX stating that Discover Executive Leadership will not correct the credit reports and will not look at the loan until after the 1 year hardship program has ended.
We have been trying for years to work with Discover to reconcile reasonable payments. We sent emails to Discover Leadership as far back as XX/XX/XXXXto demonstrate Discover Student Loans role in the following : Using unethical tactics to assign high interest rates to students with high credit score cosigners.
Using the high interest rates to create payments that students can not afford coming out of college.
Attacking cosigners before working with the direct borrower to get payments.
Making undocumented suggestions that students not pay to demonstrate hardship in an effort to go after cosigner assets.
Using XXXX-type tactics ( high interest, bullying, ruining credits, and lies ) to get from borrowers what they should never have owed.
Discover Student Loan tactics role in decreasing the amount of students entering college in the US and therefore leading to the demise of our nation relative to other nations.
Discover Student Loan tactics role in increasing crime as students get desperate because of the bullying and threats and knowledge of the fact that bad credit ruins futures ( ability to get that next best job, ability to buy a house or anything else that requires good credit, etc. ). This threat is real to these students and the resulting desperate behavior would probably surprise us all.
I am filing this complaint in hopes of driving a large investigation into this behavior and thereby driving change.
I dont know how Discover Leadership sleeps at night. They are a lending institution but it doesnt mean that they have to play this big of a role in ruining America. What they are doing is everything that is wrong with America today.
I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX  and XXXX credit files as well. The collections account for santander, Ncb management, needs to be removed as well. If the XXXX account is not valid neither is the collections account.
A {$25.00} fee was charged to my account in XXXX. I called and it was reversed. It was charged again in XX/XX/2016. I spoke with XXXX and her supervisor XXXX. It seems the terms of this type of checking account have changed. I asked when and if I received written notification. I did not get any information. Again I asked that the {$25.00} fee be waived. I was told no. I changed to the core checking account. I feel that Bank America changed the terms and conditions of my account at some point and is misrepresenting the notification. Additionally they will not tell me when he terms changed and how I was notified. After 20 years I am disappointed.
Loan number XXXX Pacific financial union think in XXXX XXXX I called them they told me to send XXXX I sent XXXX they said not enough sent check back every month after I sent the XXXX plus XXXX .my house payment is about XXXX a month .every month they send back saying not enough .I need help need to get away from them they did this last year to so fustruting. Help please I do n't wan na lose my house .XXXX
I FAXED THIS COMPANY A CEASE AND DESIST LETTER AND THET STILL CONTCT ME ON MY CELL PHONE XXXX XXXX AND MY WIFE XXXX XXXX