WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a notification that there had been a change to my credit report and that there had been a decrease in my score. When I checked my report it showed me that an inquiry was reported with Transunion for a XXXX XXXX card on XX/XX/XXXX for a XXXX XXXX XXXX. I immediately contacted Transunion XX/XX/XXXX to inform them that this inquiry is in fact not mine that has been reported against my social but that it is also an inquiry from almost two years ago! The Transunion representative name XXXX in Special Handlings Department in the United States told me there was nothing that she could do to help me even though she could see this inquiry had just been added to my report from an older date and did effect my credit score. I then contacted a representative at XXXX XXXX XX/XX/XXXX following the call to Transunion to dispute this inquiry. The representative informed me that I was not in their system, that she could not even find my having an account with them and that the card or account for which the inquiry was from does not even exist!! I am very upset about the effect this has had on my credit and this situation has now put me in a position to where I can not move forward with purchasing a new vehicle. I did not apply for any account with XXXX XXXX and want this removed from my credit and would like for my credit score to be readjusted to reflect that. It makes absolutely no sense to me that an inquiry that is not mine and from two years prior can be put on my report without my having knowledge of it but that I 'm constantly being told there is nothing that can be done to remedy this. I want it off!
I moved into my house and had XXXX Install home phone and internet service In my home within the last week I have received 8 phone calls From the same debt collection company south west credit Asking for a woman I do not know. 
I 've returned all 8 phone calls this week and have told them Not to call I do n't know who the woman is that they keep calling and asking for. 
I have repeatedly advised the caller of the fdcpa and I get a call 2 hours later from the same debt collection company but from a different phone number. 
Several times the all is a automated robotic voice again from The same company but using a different number.
I did a money transfer from my Wells Fargo account by means of the XXXX add on service that Wells Fargo provides on their site. The money was transferred in the amount of {$240.00} on Monday XX/XX/2018 to a " XXXX XXXX '' with the email address XXXX. 

What I thought was concert tickets being purchased turned out to be scam. Because I was directed to pay through XXXX, which I thought was a secure, traceable means of payment, I felt confident this wasn't a scam. Even if it was, there has to be a way for my Bank to track down/stop payment from going through, right? Wrong! 

After getting suspicious after a short amount of time ( 20 minutes ) after I completed the transaction, I immediately called Wells Fargo to put a stop to the transaction. After being put on hold for hours, speaking with multiple representatives, being transferred multiply times, being disconnected when being transferred, and being told there was nothing they could do, I felt helpless. The many Wells Fargo associated didn't seem to have an answer or they either said they could do something and then never did. 

I should have listened to my gut, but the fact that this was THROUGH a service provided by MY BANK, I felt reassured and confident this wasn't possible to do from a scammer end considering a bank account needed to be attached to the name/account I was transferring money to. 

Thank you for your service and thank you in advance for reading this.
I own a Roofing company & I 've been working in the XXXX XXXX Michigan area this summer & i have XXXX me into this same Chase Bank location on XXXX XXXX after receiving checks from my clients. Each time I come in, I get XXXX, a banking representative there who each & everytime has been unruly, extremely uncooperative immediately & unwilling to resolve any matters I have requested such as cashing of a check. I 've never been so offended by any banking official & i deal with banks daily for over 30 years. I 've never had a problem cashing a check anywhere like I have with XXXX and been spoken to so extremely rudely as I have been by XXXX at this location.
The location of Bank of America at XXXX XXXX XXXX XXXX XXXX Fl has employees that are giving out my financial information including account numbers and an actual printout of my mortgage status to a person pretending to be co-owner of my house and who is actually the tenant. He was able to secure my account number and financial status on my mortgage loan from employees at this bank who he claims are his friends. He also claims to have bank friends at the XXXX XXXX in XXXX XXXX FL and has secured additional information on my loan from them. Both of these branches need to be investigated immediately and held accountable for disclosing my personal financial information to a stranger that walks into the bank claiming he is friends with the bank employees.
1st dispute XX/XX/XXXX {$5100.00} with XXXX  2nd dispute XX/XX/XXXX/XX/XX/XXXX {$5100.00} with XXXX-inXX/XX/XXXX 3rd dispute XX/XX/XXXX {$5100.00} with XXXX XXXX 4th dispute XX/XX/XXXX {$5100.00} with XXXX XXXX one credit agency took this negative information off my credit due to they found it was opened without my knowledge, also i asked for this negative information to be removed because the contract cancelled due to the original owner sold this account and filed it on their taxes cancelling out any debt owed to them.
XXXX and Crosstown Law LLC, continues to try and collect a debt that not only do I not owe but I 've never had a XXXX account. XXXX themselves has verbally told me that there 's nothing in there system showing I 've ever had an account with them. 

XXXX can not validate the debt according to the FDCPA Law 15 USC 1692g, Section 809 ( b ) Validating Debts.
XXXX XXXX shows on experian. I sent in proof to other credit reporting companies as well and the debt was removed from all but experian. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on experian. XXXX XXXX did not respond.
XXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called Transunion and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.
I have received numerous unsolicited advertisements form XXXX Mileage Plus Visa credit card. I have attempted to contact them numerous times to remove my name from their mailing list. It is impossible to actually speak with someone who has the ability to remove my name as there are numerous transfers and extensive hold times ( over 10 minutes ). This company is putting my personal information at risk and refuses to comply with my requests.
NELNET, INC. NEVER NOTIFIED ME, A CO-ASSIGNEE ON MY GRANDSON 'S STUDENT LOAN, OF ANY DELINQUENCIES OR PAYMENTS LATE ... BUT SENT DEROGATORIES TO CREDIT BUREAUSXXXX, XXXX AND XXXX . ACTUALLY, 7 LATENESSES OVER 3 MONTHS ON 3 LOANS. 

AS A RESULT, FICO LOWERED MY SCORE BY 200 POINTS, FROM XXXX " GOOD CREDIT '' DOWN TO XXXX " POOR CREDIT! '' NOT RIGHT, FAIR OR LEGAL TO " REPORT WITHOUT NOTIFICATION! ''
HERE ARE THE DOCS THAT WERE SENT IN 2014 THAT NATIONSTAR SAID THE DID N'T RECEIVE. THEY FAILED TO FOLLOW THE HOME OWNER BILL OF RIGHTS. THEY ALSO VIOLATED CIVIL CODE XXXX XXXX XXXX XXXX CA LENDING /SERVICING BUSINESS CIVIL CODE XXXX XXXX XXXX XXXX
I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX    report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   CB 's  requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court statin g that they do not verif y ANY  public records to the credit bureau. So this ma kes 2 letters back with 2 d ifferent stories about how they allegedly verified this information of which both are inaccurate. On   XX/XX/XXXX  , I called the   XXXX   credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY credit  file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  3rd tim e. I will also be sending copies of this to the BBB and the Attorney General for review.
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX  I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Credit Management, L.P. of XXXX, TX XXXX Is attempting to collect {$220.00} on the behalf of XXXX XXXX XXXX when I have not had a XXXX XXXX XXXX account in some 17-18yrs. I check my credit report on a yearly bases and never has such a debt shown up even once. Yet this company is threatening to throw this on my credit reports at a time when credit worthiness is so vastly important to so much we as a society do, home-ownership, purchasing a car, paying for our children 's college education ( in my case ) -even to the point of being hired. The purchasing of debt-old debt in most cases, and illegally re-aging or using as leverage to force those of us desperate to not take the hit to our credit-even temporarily ( for even a XXXXpoint hit for 2-3months-can hurt a person looking to buy a house at that time ) needs to be enforced harder, with bolder penalties. For these are very real lives these companies are toying with. And Credit Management has been caught enough times doing this that they should know better and not be allowed to hide behind the " Ooops! We made a mistake '' excuse, while throwing the affected consumer sideways.
I applied for credit and was told by XXXX XXXX that my credit score was XXXX on XXXX XXXX, 2016 and that is not true, How should Equifax correct this error with XXXX XXXX
RECENTLY questioned a public record on my credit file, asked that the information be investigated because clearly the furnisher has given wrong information ... ..US XXXX court sent a letter stating they do not furnish public records to credit bureaus ....
Really concerned about how Nationwide Biweekly Administration handled the notification to it 's members about the suspended Biweekly program. For those people ( to inlcude myself ) that does not check their e-mail regularly this has caused a significant financial challenge in having to make XXXX mortgage payments in one month which has put a strain on my financial situation. This is not the way I wanted to start 2016. I truly feel that Nationwide Biweekly Administration Inc. is taking advantage of individuals with their marketing skills and the cost to the consumer for the program which for me was {$3500.00} for them to do something that my mortgage company just agreed to do for nothing. Yes I feel stupid for falling into this trap and will not be so naive in the future.
XXXX ACCOUNT ON MY EQUIFAX REPORT SHOULD BE DELETED ITS BEEN SEVEN YEARS SINCE MY LAST PAYMENT THAT WAS ON XXXX 2009 WHEN I TURNED THE CAR BACK TO XXXX FOR EARLY TERMINATION OF MY LEASE THE OTHER XXXX CREDIT COMPANIES EXPERIAN AND TRANSUNION HAVE ALREADY DELETED XXXX BECAUSE IT HAVE BEEN SEVEN YEARS THAT PAST AND EQUIFAX IS REFUSING TO DELETE THIS ACCOUNT FROM MY CREDIT FILE I ATTCHAED A COPY OF MY EQUIFAX REPORT SHOWING XXXX AND THE DATE OF MY LAST PAYMENT
Fifth Third Bank offers an Access 360 debit card that apparently they have no control over. 
During a recent trip to pick-up a carry out order at a restaurant, I was over charged. I contacted the restaurant and they explained the error and said that I should contact my bank since the amount they put through was for the actual amount of purchase. Apparently, this card, when used at a restaurant, automatically imposes a XXXX % tip onto the price of the food order. I called Fifth Third about this. I was told that they have no control of this kind of overcharging and that they had no contact information so I can address this with the company responsible for the card 's programming. So, this is a feature that can not be cancelled.
XXXX acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old XXXX credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XXXX/XXXX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.
I received a collection letter dated XXXX XXXX XXXX from ARA Inc . This collection was in reference to XXXX file in the amount of {$13000.00}. This company has not replied to debt validation requests and are to cease and desist at this point in time seeing as how the original date of the sale of this vehicle was XXXX XXXX XXXX. This attempt of collection is well past the state of Oklahoma 's statue of limitations. I also want the proper debt validation that I never received then no further contact.
I have had an auto lease with GM Financial for 5 years. I have it set to auto pay through my bank. It has paid every month, every year for 5 years. Until XX/XX/XXXX, when GM Financial contacted me to tell me I hadn't paid. I checked my bank statement, I checked with my bank and confirmed GM received the payment on XX/XX/XXXX. 

GM had provided an incorrect number on the voicemail, their website was incorrect and I had to research to find the correct number to call. 

After several hours speaking with several representatives over the course of SEVERAL DAYS, I faxed proof of cleared funds, and a TRACE ID to show they received it. 

They did not research or look for the payment, but continued to harass and demand payment. 

Finally, last week around the end of XX/XX/XXXX I spoke with XXXX from GM and she located the payment in their " old '' system and stated she took care of it. 

Then, today around XXXX XXXX EST I received a cryptic message with no company information or name, just to call. I called -- the number picks up and places you on hold. 

When someone finally answered, after a full 5 minutes of waiting to learn why they were calling, I was informed they were calling demanding the payment AGAIN. 

I have been harassed by GM for nearly a month now. I have been accused of not paying, my credit is threatened by their incompetence and I have now been only hold for over 20 minutes with no resolve. 

I'm being forced to go through this over and over and over because of their improper system migrations, failed customer service and incompetence. 

I can not be the only consumer this is happening to. 

To further confuse the matter -- they have changed phone numbers and addresses and failed to notify their consumers at all -- in addition to not properly reconciling their payment systems.
Upon looking at my XXXX, XXXX, and Experian credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and better business bureau in regards to this collection account. I have no signed  contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.
I received a letter on XX/XX/2019 from XXXX XXXX XXXX for the balance of {$660.00}. The letter explicitly said if i wasn't able to make a full payment, they could set up a payment plan. I opted for the payment plan, but when i was transferred to the collections department, I was told I couldn't use a payment plan, even after the written letter stated I could. XXXX XXXX threatened to sell the account to collections if I didnt remit the full balance, even though I told them I could not make a full payment and could only do the payment plan. XXXX XXXX XXXX sold the account to Lanier Collections violating the Fair Credit Dept Reporting Act, which gives me notice to dispute and decide on how to pay the debt.
On Monday, XX/XX/2019 at XXXX, I made a {$640.00} cash deposit in the Key Bank ATM machine at the local XXXX branch and the machine malfunctioned. My card was not returned nor was the {$640.00} cash I tried to deposit. All I received was a receipt stating " Cash Rollback Receipt : WE ARE UNABLE TO PROCESS SOME OF THESE ITEMS. THESE MAY NOT HAVE BEEN ABLE TO BE RETURNED '' and to contact the branch for assistance. I was not able to go inside the KeyBank branch as it was a holiday and they were closed so I went into the branch Tuesday, XX/XX/2019 to talk to a branch manager. I was told by the manager to give it 2-6 days for them to investigate and we should receive the money back into my account. And to be patient because we were not the only customers the ATM has done this to and that it has occurred multiple times. After the sixth day, I reached out the manager again, I am told that the matter will be escalated and it actually will take 6-10 business days. I still have not receive my {$640.00} and I am not told that it is out of the managers control and that corporate is handling it.
I have made several attempts to do an open dispute online with Equifax and it will not let me I have updated my current information with Equifax and I know everything that is in my credit file but some reason it will not let me open a dispute this has been an ongoing process in the last month and I need to know why it will not let me do an online dispute. Some of the public information it presents to me does not have anything to do with me whatsoever so I am wondering if this could be identity theft something is just not right. I need to know what steps I need to take to resolve this matter with Equifax and get a free copy of my report.
Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior.
Leased a 2013 Toyota Camry from Toyota/XXXX Toyota XXXX for 3 years, then purchased same vehicle. I was charged a total of {$560.00} for retitle of this vehicle, it was already titled, registered and insured XXXX, but dealership insisted that it be retitled first XXXX, then again XXXX resulting in fees totaled {$280.00}, but {$560.00} was added to my new loan. I have repeated requested a refund of the overcharge of almost {$250.00}, but still want to know if it was legitimate to insist on a whole new title and tag, or could it just have been a transfer of some sort. Toyota still maintains title to the car
I co-signed the loans for my daughter. They send a reminder via email monthly-before the payment is due. They have misapplied payments numerous times in the past 2 yrs and drive you insane trying to get somebody on the phone to fix it. The woman yesterday blamed my daughter for them not applying the payment correctly. She was rather insistent that my daughter do a phone payment ( bear in mind she was n't even past due ) and urged her to do auto-draft. My daughter told her she would pay online, while she was on the phone. Her letter has XXXX amount-the woman on the phone is telling her a completely different amount due and can not justify why the difference. My daughter hung up on her, after giving her the information for her phone payment. Today they have started the day off at XXXX on my phone with an automated message to call a person that is non-existent. I know that is illegal in the collection agency world so I do n't see how they get away with that. They called my daughter at almost the exact time. She called and got somebody that informed her that the woman yesterday did n't code the account correctly. My daughter explained that she paid online yesterday and the money has already been taken from her checking account. They said the calls would continue for up to 48 hours! That is outrageous-total harassment! They have since called my phone XXXX more times by XXXX. Sallie Mae is going above and beyond to harass my daughter when she has proof that payment was made and the account is XXXX up-to-date. And unfortunately I can not check all XXXX boxes below, but they are NOT handling payments correctly, phone calls persist after we have confirmation they have received them and Customer Service is poor ( at best ).
Bank of America has reduced and closed all of my credit accounts. This occurred 14 days after filing a complaint with the CFPB. I am asking that this be investigated as I believe that BOA is acting in a retaliatory fashion based on my complaints.
I have reached out for help with American Education Services for 3 years now and they still refuse to help me. I have XXXX private loans and a federal loan I 've been trying to get help with, I have constantly told them my income depleted because of my daughters XXXX situation, I have submitted paperwork and have spoke to numerous supervisors and took a quiz and informed them I have no income and the continue to tell me I do not qualify for additional help. This company along with XXXX refuse to re-evaluate my income stays to give me help. Can you please help me to understand why I can not get help from them. Thank You in advance, XXXX
called XXXX extra points barkleys card in XX/XX/2015 disputed XXXX  for charges on card for returned mdse lied to XXXX lawyers claimed did not receive coins but I was advised by XXXX XXXX  owner received coins and would issue credit but no credit on card
Honda Financial Services refused payment and later reposses my vehicle without proper written notice. The first attempt : '' A Notice of Default and Intent To Reposses '' for XX/XX/XXXX and XX/XX/XXXX was forwarded to : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, PA XXXX on XXXX XXXX, 2016. In compliance with this notice, a payment of {$500.00} and an arrangement were made to void this notice. Subsequently, an arrangment was made to complete final payment to release the title of the vehicle. The total amount owed prior to the previous notice date was {$2000.00}.
Navient promised me my Student loan account was set to XXXX.. They text me all month of XXXX to assure me.. But then forward my account to the Treasury Department where they took my whole tax refund