WillisBack/dataset-financial-user-claim huggingface dataset:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I  never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to XXXX, XXXX, as well as Experian with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit/XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.
Card was stolen and unauthorized transactions were made. XXXX XXXX credited the transactions ( took them off ) but now has frozen my available credit. I have a {$750.00} credit line but now I have XXXX available with only a {$67.00} balance. They seem to be punishing me and causing me hardship for something I am not responsible for. I have called several times and they just say that they cant release the credit until they complete their investigation. It has been three weeks. XXXX XXXX customer service has been of no service at all. They have a take it or leave it hard nosed attitude like I am the bad guy and simply do not seem to care.
Received notice of attempt to collect a debt ; performed due diligence and called the agency to dispute the debt ; the Debt Collector then communicated that there was a mistake it was a different Company who was seeking a collection. I explained that the company had been partially paid because due to incompetence on their part a larger debt was incurred and via email had been notified that unless the credit card payment was returned the matter would be considered closed and paid in full ; the collector then verbalized that, that could only be done via a check as payment, then threatened to have me served tomorrow at my address ; I then communicated that, that was illegal as I had not even received proper notice and the opportunity to dispute the debt based on my documentation, the debt collector then began to belligerently insist that there was going to be a suit filed tomorrow, that I was going to be served at my residence, he was going to file the suit before I had the 30 days to dispute the debt ; even thought this particular company had the wrong debt attached to my name. When I informed the debt collector that such actions could not be taken until proper notice was completed and the my right to dispute the debt process completed a law suit could not be filed. The collector kept taunting saying Oh are you upset now when I repeatedly communicated I was not upset that I had just been to XXXX again belligerently trying to have me become emotional he told me to go back to XXXX and practice that XXXX stuff ; XXXX XXXX communicated that his boss wanted to speak with me, I again verbalized I knew my rights and recompense under the law to the second debt collector who did not give me his name much of the same belligerent threats of filing a lawsuit ensued at which time I repeated that I had not even received proper notice he kept repeating he was going to serve me tomorrow if he wanted to and the debt would be over {$500.00} by then, I repeated I knew he was not within his rights to do so until proper notice, and my response process was complete he hung up the phone.
Equifax takes ONLY the corrupt institutions ' word for whether or not an account is mine or not.
The issue with XXXX started in XXXX XXXX. My IDR paperwork FINALLY was processed ( submitted in XXXX ) and the new IBR rate was more than double the previous year ( {$640.00} to {$1300.00} ) This would make sense if my income changed, but it did not. I did file taxes jointly with my husband that year, but again this amount did not make sense. I called and was told the IBR rate was miscalculated - my husbands student loan debt was incorrect by {$80000.00}. Despite, their mistake, I was still told I had to pay this miscalculated amount ( even though this was not my fault ). After many phone calls and hours of questioning, they agreed to apply for an administrative forbearance. This forbearance, I was told, would not penalize me for not being able to pay this incorrect rate, and wouldve temporary until the next month when the correct IBR rate ( {$940.00} ) was processed. During this forbearance, I paid the amount of interest that would be accrued ( {$950.00} ) but my loans capitalized, adding {$15000.00} onto my current principal. Again, I called, and there was nothing we can do. During this time, I was also concerned about this IBR rate  since it was {$300.00} more than the previous year, without any change in my salary. I was told I could apply for a change to the lowest monthly fee, which in this case would be the RePAYE plan. I submitted this paperwork in XXXX, shortly after I found out about it during my first phone call to XXXX. Throughout my subsequent phone calls with XXXX I was told that my monthly payments would be {$940.00} for XXXX and XXXX ( the correct IBR rate ) and then would change to {$640.00} ( the RePAYE rate ) for XXXX. Great. Fast forward to XXXX. My bill for XXXX is now a whopping {$2300.00}. (?! ) Yet again, I have to call and spend hours on the phone explaining the situation and fighting with XXXX. With a XXXX XXXX XXXX XXXX and the holidays, the continued financial hardship XXXX is causing me is putting me over the edge. I have always been willing to work with them and have paid all of my payments on time. Enough is enough. This is negligence and abuse. Please fix this. 

Thank you, XXXX
I had a Citibank credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXXI ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted Citibank NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, Citibank continues to show this every month on my credit report statement and this is not the true reflection of my account at present. Citibank agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of this year Citibank continues to report my account status as delinquent 90 days+.
I sent QWR to Carrington mortage. I requested the owner of the note and all assingments. To answer the question why in XXXX/XXXX/16 besed on Carrington letter some one would of purchase the Mortage that was over five years knowing that the statute of limitation in florida is five years.THe QWR askes for backup of the escrows for insurance and taxes and provide no cancelled checks or reson for having escrow. The escrow are wrong. XXXX in partucular is for force place insurance of XXXX form the same insuarnce I had insurance with XXXX. My insurace was {$3400.00} and the price of the foce place insurance was XXXX. This is fraud. Why would a bank spend more money on insurance when thay have the old policies with ther renews to renew which are less expensive than force place insurance. The mortgage companies are in business to make a profit. thus spending less makes more money. It is aganst there charter to spend more on insurance and make less money.The amounts onwing are incorrect. No back up in provided. The Note holder has been escrowing {$120.00} a month for no reson for over 5 years. The interest which is variable and change each years is wrong. There is not XXXX consisting document. Please have the Note holder provide the documentaion of ownerership along with the copy the the check he purchese the mortage. Someone came by my house taking picture for potential buyers of my mortgage. Why was I not allowed to purchese my mortgage.
I am a   XXXX   XXXX  . On    XXXX   XXXX  , 2017 we  ordered a payoff statement from Fay Servicing , LLC of  XXXX , IL. We received the payoff statement and o n  XX/XX/XXXX   paid the loan in full. On   XX/XX/XXXX  I re ceived notification from the new owner of the property that the mortgage holder was attempting to " winterize '' the house and change the locks. I contacted Fay Servicing , LLC to find out why they loan had not been cancelled and was told that they payoff they received was short by nearly {$600.00}, eventhough they were sent funds in excess of the written payoff demand. We were never notified of an issue with the payoff  and Fay Services refuse s to take responsibility for the mistake. I have yet to receive a revised payoff statement showing the balance.
On XX/XX/18 XXXX XXXX ( Account Manager ) on XXXX XXXX contacted my boyfriend 's step-mother, claiming that I had her as a contact on my student loan. This is completely fraudulent. I do not have XXXX XXXX as my contact. I am unsure as to how they obtained XXXX XXXX 's information, given that I do not have her phone number, and neither does my boyfriend. Imagine how surprised we were to receive a phone call from my boyfriend 's father that XXXX XXXX was illegally and fraudulently contacting someone regarding sensitive financial situation. https : //www.ftc.gov/XXXX. I have attached the federal rules and regulations regarding debt collection, since XXXX XXXX claims they re not a debt collector, I want XXXX XXXX to pay close attention to the definition of a debt collector. Additionally, I want them to see how they are violating various laws by contacting and sharing financial information with those unauthorized to receive it, " false or misleading representations ( 10 ). '' I have a copy of the audio file sent to Mrs. XXXX from XXXX XXXX. I also have a copy of my promissory note that states the two people authorized to receive my financial information.
I have two collection accounts with XXXX XXXX XXXX, XXXX, however I got a letter from XXXX XXXX XXXX XXXX ( for one of the accounts ) requesting payment for it. I 've recently called XXXX XXXX, XXXX to have them verify it but they said they had no record of it and to contact XXXX. 
I contacted XXXX both online and over the phone. Their website and woman I spoke with said that they could n't collect payment and I 'd have to talk to XXXX ( she gave me their number and website ). 
I do n't understand, I was never contacted about the change in companies, and it still is showing XXXX XXXX owns the debt on my report. However this is not the case and they wo n't take payment ... 
Can more than one company own the debt? And am I not supposed to be notified of the change? I have no contract with any of these companies
I attempted to notify the person calling of a change of address and they told me it is not their job to keep that information. They were supposedly sending information to an address that I have not lived at for 10 years. My family is receiving threatening phone calls and i have received emails threatening to take my exempt income, lose my job, seize my retirment fund and so forth. I tried to speak to a supervisor who told me the same thing, that it is their job to basically hunt me down, not help me. They were threatening to file papers with XXXX XXXX and again I asked to provide a new address and they refused. I received no bills from a collection agency in reference to this matter and I asked for them to mail me a copy, and they refused. They said they made an offer and I refused it, which I did not, I asked for them to speak to my mother and instead they refused to work with me or her. She tried to talk to the supervisor and he was very rude and hung up on her. To date I still have received no copies of bills, only harassing phone calls to my family and threatening phone calls to myself.
In a recent review of my credit report, XXXX, I noticed the addition of a company called XXXX   XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, XXXX stated to me : 'We purchased the debt from XXXX XXXX in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that XXXX provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.
On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.
ERC is fraudulently reporting my credit information and re-aging my account. They are fraudulently reporting the account as being 1yr and 11months old when in fact the account is close to 6 years old in order to prevent the account from closing due to reaching statute of limitations.
XXXX is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and americollect. I would like a full investigation into this accounts.
I was a victim of identity theft and noticed a collection from SECURITY CREDIT SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SECURITY CREDIT SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
I have disputed XXXX XXXX Medical Center so many times and I'm still not getting this matter resolved what the collection company called automated accounts. Back in XX/XX/2014 someone used my information and created {$2200.00} medical bill that I'm not aware of this charge which I did not authorize for this charge which I did not go to emergency in XXXX California because I was residing in XXXX XXXX California and basically trying to resolve the dispute fraudulent dispute with this company and I'm not getting no results removing this collection from my credit report someone use my information and cause a medical bill of {$2200.00} and I need this to be removed from my credit bureau which I have disputed fraudulent charge so many times and Im not getting no resul.
My fiancee and I live in the XXXX, CO XXXX area. We have struggled to work through several layoffs and I have supported us both for the last 7 years combined. On top of this, the housing market here has exploded thanks to the legalization XXXX. Rent doubled almost overnight forcing us to give up our apartment and rent a small basement from a private home owner and put most of our things in an expensive storage unit. 
Several years ago, I entered into a rehabilitation program with Texas Guaranteed to make payments for 9 months at which time responsibility would return to XXXX. Texas Guaranteed would not work with me on the payment amount which led us to move to another suburb that had cheaper apartments so I could pay them and pay all of our bills. After barely meeting TG 's requirements for the 9 monthly payments, XXXX took over again. I made payments for about another year at which time my Fiancee went through her second layoff. I applied for a forbearance/financial hardship and was denied. This is only based on your GROSS income! I have been supporting XXXX people in an area with a skyrocketing cost of living increase and they denied me. I contacted XXXX to speak to a human instead of online applications and the only response I got was - apply online for financial hardship/forbearance. 
I could not afford to make payments so my loans moved to default and back to Texas Guaranteed. In addition to this the Department of Education ordered the XXXX Treasury to withhold my Federal Tax Returns. They have withheld thousands of my tax dollars over the last XXXX12 years. 
TG calls me constantly. This time they sent me a letter stating they had added fees to the total I owe for my student loans. When this began, I owed XXXX. Now, TG says I owe XXXX including their substantial fees. That adds up to an increase of 33 % above the total I borrowed!. I also have collection companies trying to cash in on this as well. They are trying to collect on specific loans even though TG is already supposed to be the " XXXX '' of my loans partnered with XXXX. 
After receiving this letter, I have received a new XXXX stating they are going to have my wages garnished. I can not afford this!!! I am still supporting myself and my Fiancee while she searches for work. 
While going over this new letter threatening me with garnishment, it occurred to me that there is some fraud going on here. Texas Guaranteed and XXXX as well as the collection companies are still charging me for my full, original loan amount plus 33 % in fees and interest. 
This begs me to question ... ... ... ... ... .. 
First of all, what happened to all the monthly payments I made to both organizations? 
Second, what happened to the thousands of dollars the US Dept. of Ed and the US Treasury withheld to go toward my loans? 
Third, how can it be legal and ethical for these guarantors to charge fees that make it impossible to ever pay these loans off?
From XXXX to XXXX I received student loans from XXXX XXXX. I begin the repayment of these loans in XXXX, however over the course of 10 years the owed amount has increased even though I pay faithfully every month. During the course of those 10 years I attempted to negotiate the terms with XXXX XXXX and now Navient yielding zero results. Often times the customer service representative would explain to me that they are not entitled or obligated to change the terms. Additionally the representatives would basically tell me " tough luck ''. As a result the principal amount has increased {$3000.00} over the 10 years of attempting to pay back these loans. I believe these are predatory lending practices without any checks and balances.
I recived a very disturbing call from my son 's father stating they were taking my son away giving full custody to him because & to have him contact me for me to contact them? I contacted a lady who was rude & stated I allegedly applied for a loan on line over 5 years ago & did n't pay it back & that I would need to make a large payment today to keep my case from going to court and being locked up at my work place. Never once did I receive any correspondence nor do I even remember 5 years ago, although It does n't sound like something I 've did. The lady even told me I had a good back ground & did n't want this to end up on my credit however still needing to make a large payment. I stated to her again I have no clue what your taking about but please send me some info and I 'll review it and get back with you, even spoke with a manager who was suppose to email me documents, never recived anything and here it is again today she calls my son father again stated today will be the day I go to jail if I do n't contact her back. This lady have stressed me out not to mention I 'm with child. I want this harassment to stop for good and no that my son is safe. Please help
In XXXX of XXXX XXXX XXXX sent me alert that XXXX placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently XXXX XXXX XXXX. In XXXX of XXXX I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, XXXX to see what had happened. I was told when setting up the payment plan in XXXX of XXXX to write a letter to XXXX 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.