WillisBack/dataset-financial-user-claim huggingface dataset:
Through XXXX XXXX I found a Hard Inquiry on XX/XX/2018 from XXXX XXXX XXXX XXXX. It is located in XXXX Florida XXXX ( # ( XXXX ) XXXX ). I contacted them and they said they have never had an application or an account with me. They also claimed that this is a known " glitch '' through XXXX XXXX and TransUnion. 

After more research I tracked down this also has to do with XXXX XXXX. I contacted them ( XXXX ) XXXX ) and talked to XXXX ( employee number XXXX ). She also said I have never applied or have any account through them and said I should contact TransUnion and file a complaint. After attempting to contact TransUnion they said I have to mail a written letter of the complaint and it will take 30-45 days to receive a response. 

After more research I found many people with this exact same problem and being run in circles between XXXX, XXXX XXXX, and TransUnion for months. After finding many more complaints of this exact same issue I found blogs saying to contact CFPB to get the problem taken care of. That is why I am here and would like this Hard Inquiry removed from my Credit reports.
Trans Union is reporting XXXX judgments on my credit file. They are not mine. I contacted the court and they do n't have any judgments for me. It has been over 45 days and Trans Union is just ignoring my dispute. This is ruining my life
I received my credit report from Early Warning and the report has so many negative bank items on it. I don't owe any bank I have tried to rebuild my credit after filing bankruptcy, to no avail have i been successful. I have been a victim of Fraud as well and I have reported this to the bank as well with a case number. I need this removed from my credit file. I am told that these accounts that are on the report are closed /purged meaning it doesn't convey a negative situation, but it it a negative situation for me. I would like for this to be removed off of my credit report/ file.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


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

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


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
I have had a 2 year history of terrible service from Nationstar Mortgage now Mr Cooper. ( a new name they assume to cover their dirty image ) They first denied my request for modification under a Federal program that I was qualified for. They said I was not undergoing financial difficulty because I was not far behind on my mortgage payment. After much back and forth with them, they ask me to make payments on a " trial payment '' plan for a modification. While receiving those payments, they reported to the credit agencies that I had not made any payments and was now 90 days in arrears which has significantly affected my ability to borrow having been denied credit since. The appalling thing is, their representative told me they would have the 90 days late removed and did nothing about it so much so that I was surprised when a lender told to me it was on my credit report. In fact, my subsequent conversation with a rep from Coopers said they have no record of me complaining about the erroneous 90 days late. that is not surprising, because I have record of them giving conflicting information from their XXXX reps vs their USA reps. They changed names in the middle of my transaction shutting down access to the Nationstar website then blame me as the consumer for not being able to access their online portal. It is also convoluted as to which of their 2 dba 's they are claiming received late payments. Since they ceased operating under Nationstar and changed names during the modification process it had a grave negative impact on me as the consumer. They assigned me so called " dedicated specialist '' who has NEVER returned any of my several phone calls to him. This company is the epitome of dis-service to the consumer. I have several time requested document from them asking to show how they received my loan in the first place and that ownership/title was legally and properly transferred to the mortgagor in the first place, they have failed to provide any documents over a year now. For all I know they could be collecting money from me under false pretense as they have not provided me with a proof/trail of ownership from the previous owner ( s ). I spoke with rep days ago who promised to send the situation to " research dept '' however, they are not moving fast enough and I have little faith in this company as I was told the same thing before and nothing was done and no correspondence was sent to me one way or the other. I contend that the payments I sent in during the " trial payment period '' were just that " payments '' and should have been reflected as such so I should not look like I was extra late because life happens. Their lack of performance and negligence caused the modification to stretch out over a long period than was necessary. I ask that this company move to erase the 90 day late from the records of the credit reporting agencies.
In XXXX of last year I moved out of the XXXX XXXX XXXX XXXX after living there for 2 years. I was consistent in paying on time every month. However in XX/XX/XXXX I received a move out balance of {$720.00} that I did not agree was owed. It included a late rent of {$200.00} dollars and I did n't even live there in the month of XXXX. I spoke to the property manager stating when I would bring In XX/XX/XXXX rent for those 5 or 6 days and she said ok. I left this apartment in the same condition as the apartment I moved into before I moved in the one left from and had not additonal charges for clean up of carpet or cleaning of stove. I requested the bill and pictures for the cleaning of the carpet and stove but never received. at the end of XX/XX/XXXX I lost my job and advised the property mananger that I would be will to pay but at the time was unemployed and was struggling paying the rent where I had recently moved. When I called back in XX/XX/XXXX/XX/XX/XXXX when I became employed again, hoping to resolve, I was told they sent it to a collection agency and i 've been attempting to get it resolved since. They have not sent the verification of debt and the 3rd party collection company that they sent it to National Credit Systems no longer takes my calls or responds to my letters but they are the ones still reporting the debt to the credit bureaus but refuse to talk with me. They sent it to an attorneys office and I 've asked them to verify and they sent me documents for another person named XXXX XXXX that live in a totally different state.
i have XXXX and for some reason they are trying to charge me with an ER visit which should be cover by my insurance.
After contacting Nelnet student loan servicer multiple times they are continuing to report XXXX student loans as 120+ days past due after a credit repair agency requested the loans that were once XXXX XXXX loans be removed because this company no longer exist. Also a loan consolidation was done for these loans and they were reporting as paid until the removal request and now all of them have a current status as 120+ days late with derogatory comments. Lastly there are about XXXX student loan accounts that are on my credit report and more than half of them have no reporting status just occupying space on my credit report as collection accounts. I have called Nelnet several time for them to tell me they have no idea what I 'm speaking of, until finally a representative stated there is a credit reporting department that does not accept phone calls and I just have to wait until someone gets back to me. After I replied how can they fix a problem they keep denying is there but are clearly reporting to the credit agencies. I have called XXXX and can never get a live person and for the past few days there on line dispute center is a technical problem and XXXX claims states I ca n't print a report until my dispute process for a prior issue is resolved. I do n't where to begin to try to fix this issue. I keep getting the run around from Nelnet and waiting as everyday my credit is taking a huge hit from the multiple student loans that are reporting 120+ days late. I have already been denied for an Fha loan.
I received an offer from American Express for a new credit card offering cash back after spending XXXX and 0 % interest. I applied and received the credit card. I spent the money as detailed in the offer and received the cash back. American Express then changed the terms of interest and have been charging 24.9 % on the credit card balance. I did n't realize they had been charging me interest because my statements are electronic and I make the payments automatically. That is a dishonest practice and needs to be stopped.
Good afternoon, I recently made two balance transfers to my Bank of America World MasterCard in XX/XX/XXXX. I received a special offer for 0 % interest through XX/XX/XXXX in a direct mail offer which also referred me to the website to complete the balance transfer. I completed the transfers online after selecting the offer of 0 % through XX/XX/XXXX. Upon receiving my most recent statement, I recognized that the balance transfers are not reflected under any special promotion. The transfers are under terms for a 14.99 % APR. I contacted BOA at XXXX. I was told by the Representative that there were no special offers associated with my account and that there had not been in over one year. I told him that I never would have transferred balances to a card with at 14.99 % APR. I shared that I felt this was a deceptive practice and a UDAAP violation. I told him I felt like I had been tricked into transferring balances to BOA with the understanding of a 0 % APR until XXXX and am now incurring an interest fee of {$120.00} per month. He said there was no promotion offered and there was nothing he could do.
I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some Transunion information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( six ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX.
Equifax has mishandled my information, did n't notify me for a full six weeks ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours and will continue soaking my time. Eventually this will cost money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 


Equifax breach date : XX/XX/2017 Equifax breach disclosure to public via social media and not directly to consumer : XX/XX/2017
I received a letter/statement datedXX/XX/XXXX from a company called XXXX. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them onXX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( HFC ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from XXXX. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that XXXX or HFC had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 HFC statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to HFC, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by HFC on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the HFC statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to theXX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why XXXX says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.
Unauthorized credit Inquiries on XXXX credit report a hard inquiry Institution Information WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX My information was compromised from XXXX   data hack. Someone was using my information identity
receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB.
The total amounts of student loans outstanding are incorrect, partially not issued to me, and interest rate calculations are incorrect based upon status of loans at various points in time since XXXX. Please see attachments for details and explanations, dates, amounts, etc. Thank you, XXXX XXXX Direct Dispute In partnership with Submission PendingSubmitted to XXXXUnder InvestigationCompleted XX/XX/XXXXXX/XX/XXXX Estimated Completion Date Status Details XXXX received your request on XX/XX/XXXX and they are currently processing it. XXXX  normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 
Mail : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays MOHELA/XXXXReported on XX/XX/XXXX {$11000.00} Dispute Reason Ownership : The creditor agreed to remove my liability on this account.
I have a Bank of America checking, savings and CD account and my CD was for 48-months. I received the letter in XX/XX/2018 to contact Bank of America regarding CD. I visited one of the branch in XXXX, CA on XX/XX/18 and was informed that I have to call or visit the branch on XX/XX/2018 to either withdraw the cash or continue for another some time. I was also told that Id be informed on XX/XX/XXXX how much the interest rate will be there. 
Today, on XX/XX/XXXX I called Bank of America, waited for 45-minutes over the phone and later talked to an extremely impatient woman XXXX who refused to help me. I hate the way Bank of America treat its customers. I really seek help to get all of my cash from my checking, savings and CD accounts and close Bank of America for good. Its the worst bank in the United States.
Hi, I received an invite for applying a personal loan from Citizens bank. The letter said that it is a pre-approved offer and I can use the invite code to check my interest rates. It also mentioned that there will be no inquiries on my credit report. So, to check my interest rate I proceeded with the loan application using the invite code. This happened on XX/XX/2018. Now, when I checked the credit report, I found a hard inquiry by Citizen 's bank. Please let me know how to fix it. Thanks
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXXI do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX  reports
Back in XXXX I filed a complaint with Suntrust Mortgage regarding our house in XXXX XXXX SD. In which i got a response and submitted the required documentation needed to foreclose the house. I had a lady email me and said thanks we will start the forclosure process this was in XXXX. We have been in contact with our case manager at Suntrust and nothing has been done. She did n't even have the documentation that I had submitted. This company has been anything but helpful. We get nonstop calls nobody knows what the other person is doing. Seems to be in complete disarray and we are the ones that are getting belittled by this company. Something needs to get done. Thanks
XXXX XXXX XXXX and the XXXX dealership were notified that the person leasing the vehicle was going to purchase the car in full. Both XXXX and the dealer notified the buyer NOT to pay the last month 's lease payment, and instead, that amount would be included in the buyout payment. The purchase went through smoothly, but in XX/XX/2018 XXXX reported a late payment to XXXX for the vehicle, which is now on my credit history. Other than this false report, my credit is perfect with a XXXX+ rating. 

I called XXXX, and they told me that they don't have a record of this report, and that I have to provide them with a letter to prove the issue. This is not my job! XXXX should be doing everything to fix this! 

Even though it's not my job, I did send XXXX a fax with all of the details. I have also reported this issue to XXXX. Both were done on XXXX.
I was in deferment for about a year. I selected a lower payment that consisted of  XXXX  monthly for 24 months, and then it would go up based on income. They approved this, and I set up auto pay. When I set up auto pay it said to make first payment manually so I did. After I did that it paid the first  XXXX , little after that I got statement that said  XXXX . I called and they told me it was error from system and that they would fix it. I call back a month later because it was n't solved and spoke with another rep that said he did not know what happen but that he would have someone fix it and send me email. Today I receive another email stating that my terms for payments have changed and now my new monthly payment is  XXXX  starting  XX/XX/2017   . I feel like they are doing fraud by lying to me of what my payment plan is supposed to be. I am suppose to be paying  XXXX  for 2 years and then change to different amount. They have scammed me to pay more each month instead of after 2 years. I am looking forward to take legal action against them if possible. Then the email says it wo n't affect my current payment, but my auto pay says  XXXX .
I have 3 credit card accounts that I accumulated late fees due to XX/XX/XXXX XXXX making my payments late. Two of these waived the fees and I thought that meant it was WAIVED period. I then deducted the fee amount and paid the balance required for the month. I contacted all 3 and the 2 I tried resolving said, even though I said I was never told such, the fee and interest to boot is applied to my balance thereby increasing my next month 's payment substantially. These 2 accounts are one with Walmart and one with XXXX XXXX. Synchrony Bank at this time is looking into the Walmart account. The XXXX XXXX is XXXX who specifically said only 1 waiver a yr can be. I sent a letter to their dispute office ( md. ) on XXXX and never received a response. I spoke today with them and there are no phone # 's to reach anyone, I was told to do what I had to. I have several traumatic XXXX XXXX and receive limited income on the 3rd of each month and mail all bills the same day or a few days ahead, but dated the 3rd. If an individual is consistent and I also changed all payment due dates as well to avoid any issues in the future, and can not pay a late fee, how can they then pay an additional one plus interest that these companies decide will be added to the balance, but still increase a person 's monthly amount due. I never in my life heard of such a thing, if a courtesy was given a late fee was removed PERIOD, I am not sure what this type of thing is that is being done but it scams people out of more money and they are not giving their consumers any courtesy. I find this to be not quite fair or above board. I would like some assistance please as my ability to afford such is simply not there. Thank you XXXX XXXX