WillisBack/dataset-financial-user-claim huggingface dataset:
There are XXXX inquiries on my report which I have never authorized and I have asked Experian to please review and remove them from the inquires off of my file. I never authorized XXXX XXXX XXXX, XXXX Bank, XXXX or XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since XXXX years ago. I have tried to contact Experian regarding these incorrect items and I have not received a response for my letter mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like Experian to do the right thing and remove them and investigate these companies that have accessed my account without my permission.
XXXX XXXX XXXX XXXX ( aka XXXX XXXX ) ( AKA XXXX ) contacted us on XX/XX/XXXX to supposedly update our account since it was quiet since 2015. We perform Broker Price Opinions ( BPO 's ) as a side service for real estate firms. XXXX XXXX asked for our " updated '' credit card info, and unfortunately, my wife did provide it on that incoming phone call. 
Turns out we did NOT do business with this company XX/XX/XXXX. My wife found no activity with them in the past, though we HAVE done BPO 's successfully with other agencies. 
My wife also looked up the SCAM reputation of this firm and decided to cancel any further involvement. When she called back THE SAME DAY, no one answered the telephones at XXXX XXXX. No one answers our email. They did charge our credit card {$440.00} that day. 
We have three times told our bank ( CITIBANK ) it is FRAUD, but when CITIBANK contacted XXXX, XXXX told the bank that we have a " current account in good standing '' with XXXX and LDG does not give refunds. 
1. XXXX still will not answer our calls. We have tried phoning and emailing many times since XX/XX/XXXX. We have attempted to cancel an account that never existed in our emails. How can we communicate? 
2. CITICARD/ CITIBANK has twice provided a " CONDITIONAL CREDIT '' but each time has taken back the credit. The bank says we are responsible because of what the merchant told the bank. As of XX/XX/XXXX, the bank is refusing to help us further. 
We have notified the XXXX XXXX, the Colorado State Atty. General, and also the Colorado Division of Real Estate.
On XX/XX/2016 Stoneleigh Recovery Associates sent a letter detailing a debt they say I owe. 
On XX/XX/2016 I sent a response in which I denied the debt, asked for verification and specified DO NOT CALL. 
On XX/XX/2016 they sent a packet of paperwork regarding a XXXX credit card account in an attempt to validate the debt per my request. 
On XX/XX/2016 at XXXX Stoneleigh representative called my phone and denied receiving a response to their original contact wherein I denied the debt and told them in writing DO NOT CALL. 
The caller refused to allow my assertions and was very argumentative after I told him numerous times to contact me by mail only. The caller was becoming abusive and I felt no other option at that time other than to just hang up on the caller.
On XXXX XXXX XXXX I received a phone call from Zenco Collections indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XX/XX/XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.
To whom it may concern, This is a two part complaint against both parties involved. This complaint is against Credit Management Company. <P/>According to my credit report, on XX/XX/16, Credit Management Company opened an account for an amount of {$420.00}. They have the original creditor listed as XXXX XXXX XXXX XXXX. <P/>1. ) I have no idea who XXXX XXXX XXXX is. 2. ) I am completely unaware of an amount of {$420.00} 3. ) I 've never received anything in writing from Credit Management Company stating they had my account. Nothing was ever sent to me in writing showing who/what this is for, a balance breakdown, nor an option to pay before it was reported to the credit bureaus. <P/>I received a phone call from Credit Management Company and that 's how I was made aware of the debt. <P/>XXXX is the representative that I spoke with and he confirmed the account was from XXXX XXXX XXXX XXXX  and for {$420.00}. I advised him that I do n't know that creditor. He had to place me on hold to further research and came back to say that the balance is from XXXX XXXX XXXX XXXX XXXX. Since the creditor name and balance did not match, I requested that he send me proof of ownership and he advised that I would have to speak to the original creditor to get that information. <P/>I called XXXX XXXX XXXX XXXX & spoke to XXXX XXXX who advised that account was sent to a collections agency for {$290.00}. She was n't able to send me original documents confirming my debt but she did send me a " payoff '' letter to my email stating that {$290.00} was the balance & if I paid it off that they would update my credit files. She explained that the credit agency should not be reporting a different amount than what they sent. <P/>The address listed for XXXX XXXX on my credit report is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX There are multiple discrepancies with this account and creditor. <P/>1. ) They are reporting an inaccurate balance.
2. ) They are reporting an inaccurate name, address, account & phone number of the original creditor. <P/>Both XXXX XXXX XXXX XXXX and Credit Management Company are reflecting a balance on my It is illegal to report inaccurate balances and illegal to have inaccurate information reflecting on my credit report. It is illegal for them to decline my request for proof of ownership and to refer me back to the original creditor. <P/>Both XXXX XXXX XXXX XXXX and Credit Management Company are reflecting an active balance on my credit report so points were deducted from my credit score twice for what 's to be one account. I 've tried contacting both parties are neither took accountable in removing one of the accounts from my report. They both kept referring me back to the other party. <P/>Reporting inaccurate information alone, is grounds for dismissal. I filed a dispute with XXXX as well and the representative said that nothing is matching on their end either. They could n't fine one similarity that showed it was duplicate record. <P/><P/>RESOLUTION : This needs removed in its entirety from my credit report.
After my complaint to ConsumerAffairs on XX/XX/2009, I have filed my complaint to SEC on XX/XX/2009 to get their attention, because what Scottrade did might cause their customer loss like me. After Scottrade rejected my request for their response in writing ( They said that they only give me when SEC inquiry to them ), I faxed my written request to Scottrade branch and ask them to forward to their compliance department for writing their response. 

I have sold some of my stocks on XX/XX/2009 and sold all rest stock on XX/XX/2009. Those fund about {$3000.00} from sold stocks on XX/XX/2009 should be available in yesterday ( XX/XX/2009, XXXX ), but today ( XX/XX/2009 ) I have found that my fund is still not available to me due to Scottrade freezing those fund. I called Scottrade branch and they said that those fund should have available but then they changed to that my fund, including those sold on XX/XX/2009, will only available to me on XX/XX/2009 ( XXXX for my XXXX stocks selling ). 

Scottrade freezes all my fund without any legitimated reason. And I plan to pull all my fund out and to file a second complaint to SEC. I believe that this event should let all investors know, therefore, I file this complaint to ConsumerAffairs again.
1. For the last 16 months Ditect has not responded to 16 certified mails requesting a monthly mortgage statement. ( All dates and tracking numbers available upon request. ) No response at all. They have previously responded to address, email and phone number. No mortgage statement has be sent to me. Our records indicate the entire mortgage was paid in XX/XX/XXXX with the last payment, Check # XXXX. Certified mail w/returned signature : XXXX XXXX XXXX XXXX. There has been no response to the request for the delivery of Deed of Trust or the Promissory Note. 

2. Because not statements have been received for 16 months, reviewing the tax statements from XXXX Ct , CO. it appears there was an overage of approximately {$150.00}. Where has this money gone? Was it rolled over into the next years tax account? No refund was ever sent to the mortgager. 

3. Physical records indicate payments received i.e. XXXX of the month via certified mail. Their documents to Credit Reporting bureaus show late fees accessed and reported late payments on XXXX of the month. This has happened several times resulting in a decline of over 100 points in my score. This is blatant consumer fraud, the same as the Attorney General of Massachusetts fined Ditech {$1.00} XXXX to settle allegations it had violated Massachusetts debt collection laws. This is in violation of the F.C.R.A. 

4. It has been necessary to consult council and we are proceeding with legal actions against Ditech. They refuse to release Deed of Trust although all principle has been paid. According to our records, accompied by monthly certified mail receipts, there are no late fees. Each month was paid in full before the due date. We pay the insurance, and because of no response from Ditech, can only guess where the current tax escrow is.
I graduated in XX/XX/XXXX and reached out to my loan servicer about repayment options. The representative I spoke with said I qualified for a 12 month forbearance because I had not started working full time yet. I went ahead with the forbearance but after 12 months, my loan amount had increased so much that I could not afford to repay it using the standard payment plan so I enrolled in the income based repayment plan and was working towards making 25 years of payments to have my loan forgiven. When the REPAYE program was launched, I called Navient in XX/XX/XXXX and spoke to a representative who informed me that since I had a gradplus loan on my account that I did not qualify for the REPAYE program but if I consolidated my loans then I would qualify for the program. I was informed that by consolidating I would forfeit the 4 years worth of payments I had been making under the IBR plan towards loan forgiveness. I chose to consolidate in order to lower my monthly payments and enter the REPAYE program. Navient put me in the REPAYE program for 2 years with no problems but when I tried sending in my tax return this year to renew, I was placed in the ICR plan which increased my monthly payments from {$910.00} to {$2000.00}. I called Navient for an explanation and they said since I had a gradplus loan then I didn't qualify for REPAYE. I informed them that I was told by a Navient representative in XX/XX/XXXX to consolidate my loans to conform to the REPAYE program and that I have been enrolled in REPAYE for the previous 2 years. I told them I would never have consolidated and forfeited the 4 years worth of payments I had made under the IBR plan from XX/XX/XXXX-XX/XX/XXXX if the representative hadn't given me the incorrect information and asked them why I was enrolled in the REPAYE the previous 2 years without any issues. The Navient representative said they made a mistake but there was nothing they could do about it. Now they are informing me that I don't even qualify for IBR because of the consolidation and that I only qualify for ICR which I can't afford. If they had not given me the incorrect information in XX/XX/XXXX then I would have never consolidated and forfeited 4 years worth of payments and just stayed in the IBR plan.
XX/XX/XXXX, I submitted an application to refinance my loan with Citizens Bank. This was based on the offer received via post office mail of a fixed rate loan along with a {$1000.00} XXXX gift card upon approval. When I applied for the loan I did not see the promotion on the web site so I contacted Citizens Bank, email and phone, at which point I was assured it would n't be a problem and they could honor this offer because it was still active. This occurred on XX/XX/XXXX. I contacted Citizens Bank again XX/XX/XXXX with a concern about their website and document submission, I reiterated my interest in the gift card and was told it would be handled upon approval. After waiting until XX/XX/XXXX with no contact with Citizens Bank, I was notified I was approved for a loan. This part created the reason for my complaint. 

Firstly, I was told because I did not submit a promotion code when I first applied in XX/XX/XXXX, I was not eligible to get the gift card they assured me I would get upon approval. They told me I needed to apply again for a separate loan altogether to be eligible for that offer. Plus, if I waited 5 days to do the new application they would have to do another hard check on my credit to see if I qualified for that second loan. 

Secondly, when I was navigating their online application, they attempted to steer me into opening a direct deposit checking account. In order to proceed through the application you either had to apply for the checking account or call for technical support to guide you decline their offer. This is what prompted me to contact citizens bank on XX/XX/XXXX. 

My XX/XX/XXXX phone call was a basic run around. I spoke with 2 representatives that told me that I would n't be given the gift card unless I started over. When I balked at the additional account they told me that when I look at my application again I would be allowed to proceed pass their checking account offer without a problem. After my conversation with them I felt uncomfortable doing business with this company and told them to remove my application from consideration. 

I was obviously left dissatisfied with their service. My concern is that they hooked me into applying with an offer they later refused to honor. Plus, when I thought I was as the final steps of taking their loan, they tried to steer me into applying for an account that i did not want and could not decline unless one of their representatives unlocked my online application.
I received two notifications, via email -about this inquiry, I DO NOT know who or what this company is, Inquiry made on XXXX2017.  Never heard of this company!
Institution Information STATE FARM BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
I previously had a relationship with  XXXX  and ended it. They transferred my account to some collection agency, unannounced to me. Me and that prior company had arrangements and they removed it from my credit file. Now fast forwarding, I received an alert t hat Enhanced Recovery Company added ne gative information to my credit file. They never made an effort to send me a notice, call me or make some form of contact prior to adding this to my report. I have called this company 3 times in effort of resolving this and nothing. They simply have no resolution and the the agents that I speak to are rude.
I made a payoff to my Direct loan XX/XX/XXXX on XX/XX/XXXX for {$9300.00}. On XX/XX/XXXX I log in and see that it was processed but instead of being allocated like I directed, it was applied across several loans. It also showed a second payment was processing for the same amount, allocated to the correct loan. I called the company to figure out why they were processing it twice and why the first payment was allocated wrong. I spent 40 minutes on hold, only to be told it could be fixed and the payment could be re-allocated. The rep put me on hold subsequently hung up on me. When a I refreshed my online account, the second payment was no longer showing processing ( it was gone ) but the first payment was not fixed. I received no follow up and my account is still not fixed. This is the second time Navient has screwed up how to apply my payment.
On the night of XXXX XXXX, 2017/early morning of XXXX XXXX, 2017, my debit card was stolen while traveling for work in downtown XXXX, IL. I had used an ATM machine inside of a bar, where I believe my PIN number was compromised and I believe I was targeted from that point to have my debit card stolen. I did not realize that my debit card had been stolen until the next morning and I immediately notified Chase bank of {$2900.00} in fraudulent activity that had occurred on my account. The charges showed a description of transactions at a XXXX in XXXX, IL, which is an hour and a half north of downtown XXXX where I was staying for work. 
I went in to the local Chase branch as soon as they opened at XXXX XXXX to explain the situation and review the account activity. There were five transactions for {$500.00} and one transaction for {$450.00} totaling the {$2900.00}. These transactions occurred at XXXX XXXX, when I was asleep in the hotel in downtown XXXX. 
The Chase branch banker shut down my checking and savings account and opened up new accounts, transferring my funds to the new accounts. She helped me file a fraud claim with Chase for these transactions. 
I have since gone through 4 rounds of escalations with Chase 's Fraud team, but they are denying that the transactions were fraudulent activity. I have provided all of the information to them that I possibly can on where and how I believe my PIN and card were stolen, but they have rejected the claim and have now said they will not re-open the claim. Despite reporting the fraudulent activity just hours after it occurred as soon I woke up, it appears that I will be robbed of the nearly {$3000.00} in fraudulent charges taken against my checking account via Debit card.
TD Bank offered me a {$300.00} bonus to open a new personal checking account online. 
Bonus was contingent on the fact that I NEVER had a checking account at the institution. 
I called the bank to verify that I would qualify, since my only account at TD was a safe deposit box rental approx. 4 years ago in XXXX, Pennsylvania. 
I was told that I would indeed qualify for the bonus offer. 
After several weeks the bank tells me I DO NOT qualify since I had a checking account at the bank that was opened in XXXX 2015. I never ever opened such an account! In fact the bank wanted to charge me {$37.00} for said account and denied me access to my funds deposited in the new checking account until I pad the {$37.00}. After contacting the bank they agreed to remove the {$37.00} fee and CLOSE the account [ I NEVER OPENED ]!
Sallie Mae was the lender. very briefly I was unable to continue schooling and finish my degree. I was hassled more than XXXX and XXXX times a day with phone calls almost every day of the week, at the very least contacted every other day, what 's worse my father cosigned some of these loans and dealt with the same calls and bad manners I talked with him and I documented what we could. I did ask them to stop contacting me unless it was within accordance the law allowed. I was threatened that this will never go away and they would destroy my financial credit though I have no proof of these particular conversations I did n't document some things. While still in school they had sold some of my loans that I was successfully paying and some of those again got re-sold as well. At this point I did not know who was who in terms of loans owed. Rates had changed loan numbers are not matching up. So not only did I still owe and pay Sallie Mae but now owed some other companies who were seeking payments from cosigners as well, just as viciously! still I could not afford school or penalties and payments. my father had cosigned a couple of these loans it has stressed and damaged our relationship I have no degree and there is still more but I think you get the point. It has stressed and damaged our relationship ( my father and me ) I have no degree and there is still more but I think you get the point. Not to mention my credits about a XXXX
The balance at the time of the initiation of my loans on XX/XX/02 is XXXX and XXXX. At present time the balance is even higher than when I took the loans out:XXXX and XXXX. I don't know how this can be possible. The total payments made on both loans is approximately in the {$35000.00} range. I have never been delinquent on these loans and they will never come close to being paid off, ever. I have tried to work with Navient regarding setting up payment plans, with no avail. I desperately need some assistance investigating this matter. I believe I am being charged an unfair amount of interest on these loans, while an insignificant amount of my payments made were applied to the principal.
My ex husband XXXX XXXX has horrible credit, when I left him in XXXX he used my information to open up a business credit card using my information and his business. XXXX XXXX he got incarcerated and I started getting calls from debt collectors at capital one for this credit card. The limit I believe is {$3000.00}. Now this is on my credit as a collection. I reported the card as fraud with Capital One. The response was that since my social security number was correct in the application, then it is not a fraudulent account.
I have been working with a client beginning back in XX/XX/XXXX. He was finally approved a trial loan mod in XX/XX/XXXX. The first pymnt wld be due on XX/XX/XXXX - XX/XX/XXXX. His new payment wld be {$500.00} down frm {$650.00} originally. XXXX XXXX is XXXX and only has XXXX XXXX for income. The same month he was given the trial mod ; he got hit with a child support garnishment from XXXX and they garnished {$360.00} from his XXXX of {$970.00} leaving him with only {$610.00} to live on. There was no way he could make the {$500.00} payment at this point ; so he turned down the offer. XXXX XXXX appealed to XXXX and they reduced the garnishment down to {$75.00} a month. By the time this appeal was completed and the garnishment was taken care of it was too late to appeal and ask them to go ahead with the original loan mod. So they made us reapply and subsequently they turned him down stating he did not have sufficient income to make the original trial payment that was offered to him. There was only a {$75.00} difference in the income once the child support issue was taken care of from the original income submitted for the loan mod request. They denied him XXXX additional times, stating he did n't have enough income to qualify then said the final time nothing had changed since the prior denial so they would not look at him for a second change Hamp Tier II ... This situation was totally out of his control and he was blind-sided by the child support. If thy could approve him once for {$500.00} why can they not offer it to him again. The {$75.00} difference would not have kept him making this payment.
On XXXX XXXX 2018 I transferred XXXX LTC ( Litecoin cryptocurrency ) from XXXX to my GDAX litecoin wallet. The transfer was completed and the LTC reached the first destination which was the Coinbase LTC wallet. From Coinbase another transfer was made automatically to send the litecoin to the Exchange owned by Coinbase, GDAX. The transaction shows up as complete on the Coinbase history in my account, yet the Litecoin never showed up on my GDAX wallet. I contacted Coinbase through email the same day and received a case # XXXX. The response from Coinbase showed me a list of reasons why my transaction could be pending. I replied to the email and told them that my transaction does not show up as pending it shows up complete, and I still do not have the assets. I have not received a response from Coinbase despite numerous emails sent regarding this issue.