WillisBack/dataset-financial-user-claim huggingface dataset:
i didnt understand how or why the inquiries were reported of my credit without permission and hand wrote each credit bureau asking to remove the inquiries only to have my request fall on death ears.. 

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Good afternoon, I divorced my wife over 18yrs ago. we had purchased a home together during our marriage, upon divorcing, I gave the house to her and signed over the deed to her. she was supposed to have Bank of America remove me from the Mortgage. I am now remarried now for over 15yrs and we are tying to purchase a home of our own. however because my previous residence that I shared with my ex wife is still on my credit it does not allow me to get a new mortgage. I have attempted to reach BOA and they basically laughed at me. it was court ordered for her to remove me from mortgage and she did not. I am not responsible for the home nor have I been for 18years. This NEEDS to be taken off of my credit report and solely in her name as per divorce decree.
I received an email from  XXXX   XXXX   XXXX / XXXX / XXXX  that something was just added to my credit report for collections.     THIS IS THE SECOND TIME THIS COMPANY HAS DONE THIS TO MY CREDIT REPORT!!     When I checked there is an account on my credit from  XXXX   XXXX  via THE RECEIVABLE MANAGEMENT SERVICES  XXXX   XXXX   XXXX   XXXX , PA  XXXX  (  XXXX  )  XXXX  stating I opened an account on  XXXX   XXXX ,  XXXX  and it is now in collections for {$880.00}.     That is impossible for a few reasons : First, I have lived at my present address since  XXXX   XXXX ,  XXXX  and have had the same garbage collection company, which is not  XXXX   XXXX .   Second I had a  XXXX   XXXX  account that was paid and closed since  XXXX , at the very latest.   Third, there was nothing on my credit report about this supposed unpaid account that is now in collections, it just suddenly appeared out of nowhere.     I religiously watch my credit report. T he Receivable Management Services com pany put this on my credit report fraudulently.     I have disputed this to   XXXX   but desire to find out how and why they feel they can put whatever they want on someone 's credit report with no regard to the fact the account does not exist and the information is completely false. This is illegal for  The Receivable Management Services to  do.     I do not want to directly contact this company because it is obvious they already obtained my personal information in some way and I do not want them to have my email and/or telephone number.
I was in need of a XXXX loan. My real estate broker just finished a class with the Employees of Willow Bend Mortgage Brokers on that very loan. She suggested that I go to them for my loan. The agency I used is in XXXX, XXXX. The name of the agents were XXXX XXXX and XXXX XXXX. They were told at the beginning that a FHA XXXX loan was the only loan that could be used to purchase the home in XXXX. After a month went by they still were under the assumption that I needed just an FHA loan. Still as time went by they did not move forward with the XXXX loan. Now at this time I have been paying {$370.00} every 15 days for extensions on my contract with HUD. They new that this was on a time basis so we did not lose our contract on the home. It stated in XX/XX/XXXX they kept giving me it felt like the run around. Every 30 days I needed to send and resend the same papers and then bit by bit the papers were getting annoying stupid papers. The items needed were totally absurd. With me being in XXXX and the home in XXXX we could not just run out there every weekend. We finally made a surprise visit and went through all the papers and they stated we should close by XX/XX/XXXX. Well at that time XXXX started going for a FHA XXXX loan which was totally wrong. Now here we are with less that 48 hours before my final extension and they insisted this was the way to go. Now as it stands I am out the money for all the extensions, gas, hotel accommodation costs. I believe they are should not be teaching others if they do not know what they are doing themselves. They should be held accountable for their actions. It is due to their lack of knowledge on my best interest and listening to what I and my real estate agent were telling them that I now they decided to deny my loan due to not being able to determine my credit rating which was at the time a XXXX.
I have been a loyal customer of Capital One for over 10 years. I recently opened a separate card with Capital One, transferring a balance from another card. Ever since moving from XXXX to XXXX, I have had nothing but issues with them " not receiving payments '' or when I call in a payment, they do not apply it in time, so then they charge me a late fee. When I call about the incorrect late fee, they tell me they will " reverse it '' and it should be reflected on my next statement. But then the cycle repeats. I make a payment they either " did n't receive '' or it 's applied too late and yet another late fee is applied. This happened for months and months and months on end with both Capital One accounts. I notified them in writing and also contacted their fraud department to complain, but to no avail. They insist on charging late fee after late fee. I have notified the Attorney General 's office here in XXXX and they have contacted them on my behalf, issuing them a cease and desist order, but of course, my credit score has taken a huge hit because of the late fees. Until this is resolved I have not been paying them anything because it does n't matter when I do. Their business practices are shady at best and illegal in my eyes. 

Capital One and the like are a bunch of crooks ripping off the people who pay for their jobs.
I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY TRANSUNION AND XXXX  BUT XXXX WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM CREDIT REPORT
I have made payments as scheduled on my loan from SunTrust continuously. Earlier this year, they fraudulently added a past due amount of approximately {$220.00} to one of my bills despite have records of my payment on their site. This was resolved with a phone call, and they removed the amount. It has happened a second time this month, billing a past due amount of {$220.00}. I have records of my last invoice of {$260.00} and subsequent payment of {$300.00}. Having happened twice in the same year, I am concerned that this amounts to billing fraud. Thank you.
XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over 20 different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take 3-4 days, then up to a week, then 10-14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why XXXX is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.
I received a harassing phone call from Portfolio collection for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told Portfolio several times that I was in the do not call list and that I do not owe any company debt.
The company XXXX XXXX XXXX XXXX, is attempting to collect on a alleged debt. Please be advised that I have no debt obligations with this company. I have disputed this alleged debt with the 3 credit bureau 's XXXX, XXXX, and XXXX. I have also requested the company provide account level documentation concerning the alleged debt accounts. The company has not provided me with the requested documentation. The company Portfolio Recovery also never provided me with any notice of this alleged debt prior to reporting negative information on my credit file. This company has had an CFPB consent order put out on them for various violations of the fair debt reporting act. I would like for these accounts to be removed from my credit file immediately for lack of debt verification and also on the grounds of the accounts not being mine. I have not debt obligations with the said company. These accounts have caused an hardship in me and my family 's life.
I have auto payments and sound XXXX, they did n't try to pull the payment until XX/XX/XXXX and they are relying on the contract I signed discussing extra days for holidays may cause issues. I knew that and that is n't the issue. The issue is that they are purposely creating a loop hole in that contract to unlawfully obtain non sufficient funds fees or return charges they are n't entitled to. They do this by designing their web page to flag the consumer with red at the top that their " payment is currently past due. Would you like to make a payment now? '' And then a box that says " make payment ''. You click make payment and it takes you to the payment screen where it pre-selects that month because, again, the system is flagging the consumer for a late payment for that current month. I verified the month selected was XX/XX/XXXX as it was flagging me and made the madement. Absolutely no where on the web pages does it state that that payment iteself will take an additional four days to process, EVEN THOUGH IT WASNT A HOLIDAY, there is no information stating you ABSOLUTELY have to issue a stop payment for the regular scheduled payment that their own system flagged you as late or it will try to continually take both payments three separate times. They also do n't state that the system then decides for you where the funds will go instead of just cancelling the funds or placing them in the month you, the consumer selected, the system takes it and puts it where they want it and then continue to charge you for the month you attempted to pay twice. They owe me XXXX non sufficient funds return fees because their system is directing their consumer to do an action that they have policies and procedures against. ITS A TRAP TO UNLAWFULLY GAIN MONETARY VALUE THEY ARENT ENTITLED TO VIA INTERNET PROTOCOL. This is after they opened false accounts in our names to unlawfully gain monetary value they were n't entitled to and also after they initiated contact without requests ... how long are you going to allow Wells Fargo to rob American consumers?
A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. XXXX has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while XXXX has refused to address my concerns. Equifax has provided no resolution and establish no contact to this date. XXXX has been provided with XXXX report reflecting corrected information in response to identity theft.
I have a credit card with Citibank. I made some charges at XXXX XXXX, and they were declined due to fraud alerts. I called Citibank and they said the issue was resolved and that I could re-do the charges and they would not be declined. I made the charges again, and again they were declined. I called back and stayed on the line with a representative while she removed the fraud alerts and said I could make the charges again. I made the charges again while on the line with the representative and was told they were fine and had gone through and would not be declined due to fraud detection problems again. The same charges were again declined the next day for reasons of fraud alert. By then, I was in XXXX and had to call from abroad to resolve the same problem for a third time. The representative I spoke to, XXXX XXXX id XXXX ) told me she agreed that I had been misled by the previous representative and that I had been told the issues had been resolved when they had not. I told her that I was now incurring international charges to resolve the problem and had to pay for expedited shipping in order to get the purchases in time for my trip here. I told they I felt they owed me reimbursement for the money I was spending to speak to them to resolve the issue, as I had tried to do so previously and had been told by a Citi representative that the issue was resolved and that the charges could be made and would not be declined, when in fact this was untrue. They declined to address the costs they had caused me in any way. I feel Citi should take some responsibility for the time and cost I incurred in fixing a problem that occurred on their end, caused by their representative telling me that she had fixed the fraud alerts on the account and that I could make the charges without any further interference from the fraud detection system when in fact this was not the case.
XX/XX/XXXX 2017 I met with an insurance agent and we proceeded to sign me up for XXXX forXX/XX/XXXX 2017 as my XXXX started on XX/XX/XXXX 2017. 
From what I was told, XXXX needed to have a credit card on file to bill for a monthly fee next month for {$7.00} for dental insurance. It wasnt dental insurance after all and turned out to be reduced dental fees. I figured this out within a few days and began trying to contact XXXX. I made several phone calls, e-mailed, texted the agent about it ( didnt get a response ) and then cancelled the XXXX insurancebecause no one would talk to me about anything or get back to me as I had been requesting repeatedly. 
That same month, XXXX went on to charge another {$51.00}, {$16.00}, and {$22.00} without my consent. I had already cancelled but they kept charging. When I realized they had charged that I filed a dispute with Capital One. Capital One credit card was been faxed the dispute but refuses pursue it. 
In the mean time, I put a freeze on that card because XXXX wouldnt assure me they wouldnt be charging it in the future. After a few months, Capital One just sent a notice they had reviewed the dispute and were re-charging the card. I requested a written notice of this, what they did on the dispute and what XXXX said. Capital One has sent nothing as of the date of this complaint filing. 
XXXX has continued to try to charge the card and send me stuff in the mail. They sent me a {$13.00} check for a refund on a prescription I paid for. I sent it back to them and told them again not to send me anything as Im not on their insurance. Ive been on a different insurance for two months now and XXXX is still trying to pursue me as a client. 
Capital One has not responded to my inquiries nor the written information Ive sent them. I guess they are just waiting for me to file this complaint.
After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the  Presidents of the  companies via email ( all who had a Representative call me very quick ly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said that they were mine but without any form of verification.
Sir/Madam : I am writing to you to resolve an ongoing issue with my XXXX XXXX Prepaid card XXXX XXXX XXXX XXXX. The name on the card is XXXX XXXX. I have been trying FOR WEEKS to get one of their appalling customer service reps to get this taken care of, to no avail. 

Explanation : My son and I had a web company called XXXX XXXX. We owned a number of domains, including XXXX   and XXXX. I retired and my son continued to run the company until he closed it a couple of years ago, but as far as I knew we retained the domains, which I used as my email addresses : XXXX and XXXX. A short while ago I realized that I wasnt getting any email addressed to those domains. It turned out he had sold them without telling me, not realizing I still used them. This caused me the current nightmare : I used them for all sorts of logins ; banks, XXXX etc, including XXXX. I have been trying to sort it out since. 

On XX/XX/XXXX a customer service rep of theirs helped to close them and use a new one at XXXX. However, I realized after we hung up that I couldnt get into my prepaid card account because it used the XXXX login to access it and she hadnt noticed it ( on the assumption she could see that information ). I have tried to get another of their reps to fix it - just allow me to use the card and Ill spend the {$60.00} on it and close the account. As far as I knew that was fine, I was going to do that onXXXX  XXXX, until that is, I got an email telling me the card was suspended for some reason. I called XXXX and spoke to a XXXX, who seemed unable to access any of the details of the previous conversations. It's a classic case of the left hand not knowing what the right hand is doing. I have now made 6!  international phone calls, sometimes being on hold for 45 min at a time. 

This is absurd! I probably spent more in phone calls from the XXXX, where I am at present, than there is on the card! There is nothing wrong here, all I need is someone in this dreadful company with some way of seeing the global picture to unlock the card, let me know and Ill go to XXXX and buy a gift card for my granddaughter with it and be done ; which is what THEIR REP told me to do on XX/XX/XXXX! Thats all I want. Using this card has been a farce, as soon as I use it in the XXXX theres a problem. Excuse me for using the card in a globalized world. 

Should anyone wish to call me my XXXX number is XXXX XXXX XXXX, but a simple email telling me the card can be used on XXXX with be fine, and I will bother them no more, I promise as XXXX is my judge. 

Yours truly, XXXX XXXX, XXXX.
The XXXX XXXX XXXX website was down whenever I went to make my payment, which resulted in my payment being overdue. Further, the link to enable auto pay on the website does not work, so I could not have even setup Auto Pay to avoid this issue all together. The office that I am supposed to call into to resolve problems is not open, and overall I find this ridiculous for a credit company to have these flaws.
Upon reviewing my credit reports, I noticed an entry from AFNI collection agency, stating it was for the original creditor XXXX XXXX XXXX, in the amount of {$150.00}. I never received any correspondence from this company, and I do not owe any money to them, or the stated original creditor, XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they did not see any information on this matter. I then sent several letters to this company, AFNI, to the address listed on my credit reports, but have not received any reply from them at all. They have not even sent me any information about this alleged debt, yet they put it on my credit reports. This false information needs to be removed from my credit reports immediately!
Firstly, I contacted Coinbase on XXXX2018 for my issues with withdrawing funds, then we identified my problem and they said that I will be contacted by their technician, but that did not happen until today.
we were trying to get a loan, it never went through. so i got the reports from 2 of the credit bureaus. how can 1 experian company have accounts showing all negative and another 1. XXXX company show the exact same accounts showing all good? how does it happen? it doesn't make sense, its like you hope the business place you are trying to get a loan through uses the Correct Credit Reporting Company. This isn't right ... ... .... 
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