WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Equifax Credit Bureau more than 15 times via phone and certified mail in regards to unauthorized inquiries listed on my credit report. I have explained that I did NOT authorize certain inquiries and my credit report was pulled WITHOUT my permission. Credit inquiries are not any different from any other information listed on a credit report in regards to accurate reporting.This information must be verified. I did not authorize these inquiries and Equifax has no proof that I authorized the inquiries therefore the agency should not have those inquiries listed on my report. 

I have also asked Equifax to complete an investigation in regards to these unauthorized inquiries to determine who authorized the inquiry. However, my request was not granted. I was told inquiries are factual and can not be removed. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers have the right to dispute any inaccurate information on their credit report. I have tried to dispute these unauthorized inquiries to have them REMOVED from my credit file. However, Equifax refuses to remove the inquiries without doing the proper investigation and verification which is a violation of my consumer rights. 

I have also contacted each business directly asking them to remove the unauthorized inquiries. However, my requests were ignored. 

The inquiries that are unauthorized and should be removed are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries should be removed. They are unauthorized and Equifax has failed to properly verify who authorized these inquiries on my behalf. I have no knowledge of these inquiries.
{$9000.00} wire transfer sent on XX/XX/ and confirmed on XX/XX/ has never been credited to my account. This has been going on 13 days with no contact from Coinbase support. I was able to contact the bank and they initially told me no funds were received under my name. After providing further documentation they were able to find the funds under the Name of XXXX XXXX ( my bank ). I was told that the funds will not be able to be credited to my Coinbase account and that they will EVENTUALLY be returned to me. I am required to send an email to their compliance department. The email was sent immediately on XX/XX/ and was later returned undeliverable due to the address not being able to receive email. I have yet to receive my funds returned to my account. {$9000.00} tied up for 13 business with no end in sight. Please help.
we had a mortgage with Homecomings Financial back in XXXX and in XXXX we became delinquent on the Mortgage. First delinquency was XXXX XXXX. By XXXX we received threatening letters and by XXXX XXXX we got a Letter of Default from Homecomings. Throughout XXXX we were delinquent but because we were frightened by worked hard to pay what we could. In XXXX XXXX Homecomings Financial transferred to GMAC. GMAC took a final payment from us and applied it XXXX XXXX XXXX then reset the clock for our first delinquency as XXXX XXXX XXXX. After that they started foreclosure proceedings even though we were attempting loan modification and short sale. By XXXX XXXX they foreclosed. Ever since they have counted seven years from XXXX XXXX as if that is our first delinquency but it is NOT. We are now actually almost eight years past first delinquency which was XXXX XXXX. But GMAC went bankrupt in XXXX. The credit agencies will not respond to our multiple disputes ( more than XXXX ) and GMAC is not reachable. We can not buy a house or borrow money. The foreclosure remains on record and the credit reporting agencies continue to reject our requests to delete the account from our record now that seven years has past. Now they are saying it will go off record seven years after the last activity which is the last time GMAC forced money out of us. That can not possibly be legal. We need help. There is no way foreclosure can stay on your record for ten years just because GMAC is bankrupt.
Capital One Bank- Failed to give notice related to provisional credit that had already been reverse twice before. The bank conducted a reverse on the same day as the provisional credit of {$300.00}. dollars was given in XXXX of 2017. In an effort to deceive the customer, capital one engage in another illegal reverse without notifying the customer also, when log-in account the record failed to show up dated information. Customer had fund of {$82.00} in account an made transactions unaware that Capital One conducted another revision of credit because, notification was not given until today by phone. Capital One agent at ph # XXXX ( female ) refused to provide info by mail and made " unethical-XXXX   comments '' by stating " You should Civil Rights and WHY HE WAS TREATING ME LIKE A XXXX UNEDUCATED " XXXX '' AND MAKING CORRECTIONS TO MY WORDS? This man stated he was the MANAGER of Deposit but why was he so UNPROFESSIONAL AND VIOLATED ALL MY HUMAN RIGHTS Along with Capital One. Capital one also charged me over draft fees which, would not have been applied if the reversal of the provisional credit was not on my account without any notice Capital One did this and also, never provide dates to which the provisional revision was going to be applied to my account. Capital one also have another account which they have stole over {$600.00} from me for someone else social security payment that was revised but, it was charged to me because the person passed away nor, was notice given before they took my money on money market saving account. WHY ARE THEY DOING ILLEGAL ACTS TO GET MONEY FROM CUSTOMERS? I Plan to take legal action if this is not corrected and the way I was treated by XXXX made no sense. I should not be judged on the XXXX of my RACE OR BACKGROUND>> I am very disappointed in CAPITAL ONE. I had been a CUSTOMER FOR OVER 8 YEARS TO BE TREATED LIKE TRASH AND VIOLATING MY RIGHTS IS NOT PROFESSIONAL ...
I went in to get a loan from spring leaf financial and the representative went over the benefits and features of the payment protection and life insurance. Quoted me a payment with it automatically added. I then declined to take the " optional insurance product '' She then continued to try to sell me the product even after I had declined and said I was not interested. She insisted that she needed to continue telling me the benefits and features in case I wanted to change my mind. They then told me how my rate was going to increase because I did not take the insurance so it put my loan just under XXXX. I then asked them can we increase the loan to the amount they were going to do with the additional insurance on there to get the lower rate and the woman said no. she said we would only allow that loan amount if you were going to take our additional insurance product otherwise we will not increase your loan to that amount if you are electing now to take it. She also then indicated that because I chose not to take it which would have increased the amount and reduced the rate that I would be subject to the higher interest rate. I tried to speak with the woman to say that this seems very deceptive and she said that it was how they did things and that it was an optional insurance product. To me it does n't seem right that they are willing to increase a loan amount if I buy their insurance but not if I do n't and that they are going to raise my rate if I do n't take it by changing the approved amount. Also they kept pressuring me to take the insurance after I had already indicated I did not want it.
ConServe is re-aging an old debt from over 7 years ago to have it on my credit report. Not only is the date wrong but the amount is incorrect as well. As they are not the original debtor I am not liable and since the date and the amount are incorrect I would like them to be forced to remove this from my credit report.       Last Reporte d  XX/XX/XXXX Col lection Agency CONSERVE Original Creditor   XXXX   XXXX   Status Open Opened Date XX/XX/XXXX  Clos ed Date -- Responsibility Individual Account.   Balance {$61.00}  High Balance {$6 1.00} Remarks -- This was fr om  XX/XX/XXXX  and the correct amount was {$81.00} I disputed this with the original debtor and it was written  off as a billing error
My wife and I had a home equity line of credit ( HELOC ) with BECU. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that BECU never informed any of the three credit reporting agencies that the HELOC was closed.
I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received
Chase closed all my credit card accounts, checking and saving accounts.in XX/XX/XXXX. I contacted them once before, and asked them why do they close my account. They said they can not see reason behind, but that is their decision. I do not understand what's worng with my account. I have been using Chase over 5 years.
XXXX I signed a consent form with XXXX XXXX/ Monterey Financial Services , XXXX XXXX Loans, not informed of what all this was really truly about. {$57.00} began coming out of my account each month beginning XXXX. 
-After figuring out that this was fraudulent, I tried to cancel the contract with XXXX XXXX Loans and was informed it was n't possible unless it was 10 days after I signed it. 
-I have many of emails stating I wanted to hear the voice recordings of where I gave my routing and account number/bank information, I never received such. 
-I also knew it was fraudulent because someone emailed me asking for my password. Which caused me to call my servicer, because I knew that was not correct. 
-My servicer informed me that it was fraudulent because this company made up a password and federal student aid account for me to fill out information on my behalf. 
-I am now doing the work myself, filling out all forms and submitting them myself without any help from anyone. 
-There is a stop payment on my account so no money will be taken out anymore. 
-My bank filed a complaint also. 
-Now I am being harassed with phone calls stating this matter will be given to collections. 
-but, I am confused of how if this is fraudulent activity.
I contacted Equifax few weeks ago and told them that the information that is on my credit report as public record is effecting me. I was tryi ng to get a student loan for my son for school. The public record they put only shows up in Equifax not the others I called the district court house to find out what was going on. They are looking for someone who has the same name as me but as they brought up who the person was married to and their kids and my social security number doesnt match up with their profile I asked them if they reported this they said not on your social security number .. so I contacted Equifax few weeks ago ( 4to5 ) weeks and it 's still there.. I want to removed because I would like to buy a house.. in the next 2 years or so. They asked if i ever lived in XXXX XXXX, or had a house there. I said no never had a house there .. I only had a mobile trailer home ..
I was advised when trying to refinance my house that my last an modification was not explained to me correctly. I was giving a 40 year amortization without my knowledge.
This complaint is against XXXX XXXX. I had a 15yr interest only mortgage which was coming due in early XX/XX/XXXX. I contacted XXXX in writing for a refinance or modification. This request was sent in XX/XX/2007. We were contacted by a XXXX  Loan processor XXXX XXXX ( please see letter dated XX/XX/XXXX ) requesting contact to discuss my approval for modification. I did contact XXXX  via telephone and made arrangement for a meeting at a local XXXX  office in XXXX XXXXr ( XXXX XXXX XXXX in XXXX XXXX NJ ) .The telephone conversation was around XX/XX/XXXX. The date for the meeting was to be determined. Then on a letter dated XX/XX/XXXX we received a letter denying the modification. I made a inquiry as to why, the response was I had a bankruptcy and the mortgage was not reaffirmed. I told XXXX my bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. My bankruptcy was filed according all the duties and responsibilties of USC 1996 Chapter XXXX  and reaffirmed in compliance to section 524c and 524d. XXXX XXXX and all my creditors were contacted. From that point on we were sent payment stubs for voluntary ( as if I was still in the bankruptcy process ) payment.This is clearly a violation of my rights.Also XXXX miss-stated payments, wrong reporting to a credit bureau. Trying to explain this to XXXX fell on deaf  ears. I was told they can do ( sent voluntary payment coupons ) anytime they want! The reason why I am logging this complaint is my home is currently in sheriff sale. All, what has happened in the last 10 years should not be .XXXX XXXX had no standing on denying my mortgage modification, all payments were made. I have also filed a complaint with the DOJ .We also were part of the mortgage agreement with the Federal goverment. I can provide more documentation than what I have attached
Was told that first payment was gon na be slightly higher but paper work state something totally different need exact amount of first payment
BOA Closed my account without any warning and now they wo n't let me redeem any of the total rewards points that I 've earned.
XXXX XXXX XXXX XXXX is demanding payment for a debt they allege I owed to PayPal, Inc. in the amount of {$630.00}. I never did any business with Paypal that could have resulted in any unpaid amount to them or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is using unfair and deceptive practices to collect debts that consumers do not owe.
Kay Jewelers keeps calling my work phone number. They acknowledge it is my work number and they ask for me and identify who they are and why they are calling. They call my cell phone with multiple numbers throughout the day starti ng at    XXXX   XXXX   and call repeatedly throughout the day. If I am unable to answer the call they immediately call my work.
In the month of XXXX I had a death in the family and needed some time off from work so i needed help with my monthly payment on mortgage for the month of XXXX so i called wellsfargo and asked them what i could do so i didnt miss a payment. They suggested a Loan Modification and told me not to worry about making the payment for XXXX that it would be put back into the loan once i was approved i called her several different times and asked her if i should try and make some kind of payment and she told me not to worry about it if i didnt have have the full payment cause it wouldnt apply till i had full payment so i didnt make any kind of payment and then found out that they had denied me for the loan modification and told me i had to come up with both monthly payments. I can not afford to make XXXX payments in 1 month that is why i asked for there help in the first place they refuse to help me and keep charging me late fees every month. I payed the month of XXXX on the! XXXX and instead of them applying it to XXXX they applied it to XXXX and now saying i owe XXXX by XXXX! XXXX i have tried to contact the home preservation manager and left him messages to contact me and i have yet to hear anything back. If they would have never told me not to make that payment i would be up to date on my payments and not getting forecloser letters. It took me 2 years to buy this home only for them to take it away from me. Wellsfargo is doing nothing to help me on any level.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential I
mpact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
On or about XXXX XX/XX/2018 I opened three accounts ( Checking, Savings and Business Checking ) with Chase Bank downtown XXXX, Wisconsin ( XXXX XXXX ). The very same day I took the necessary steps in utilizing Direct Deposit with Social Security Administration and Chase Bank. 

In the months of XXXX, XXXX and XX/XX/2018 I still received Paper Checks from SSA. On or about XX/XX/2018I contacted Chase Bank and spoke with Its Bank Manager XXXX XXXX XXXX and he claimed that SSA was at fault for Discontinuing the Direct Deposit. I disputed that assertion and or allegation by explaining to him that SSA Promotes Direct Deposit and XXXX XXXX XXXX. He then informed me that he will make sure that I receive the coupon for the {$200.00}. XXXX Dollars the XX/XX/2018. 

The issue is this.. Chase Bank is Providing {$200.00} Dollars for New Customers that Deposit at least {$500.00} a monthly via Direct Deposit within 90 Days of opening a Checking Account.I meet that requirement. I strongly believe that Chase Bank Discontinued the Direct Deposit in order to Prevent Issuing the Coupon for {$200.00}. XXXX Dollars to myself. I Should have received the Coupon in the month of XX/XX/2018. If, I had not contacted Chase Bank nor SSA or waited too late I would not be receiving the Coupon. I Strongly believe Chase Bank 's actions are a result from XXXX and or XXXX. I am a XXXX Man. In addition, I have issues with XXXX XXXX   as well. See Complaint No. XXXX with this Entity and or Organization. In my experience here in the State of Wisconsin ... Most White People not all.. Support each other right or wrong when it comes to XXXX People. To Punish and or Discipline Us When We Challenge Them and or Exercise our Constitutional Right ( s )! 

The thing about myself I represent Positive Change among XXXX People here in the State of Wisconsin and or the City of XXXX Wisconsin. I've overcome a life of XXXX XXXX, XXXX and addressing my XXXX XXXX XXXX. In which in their demented mind is a Threat To Their System Here Against XXXX People! They don't want us to have Nothing but what they want us to have.. But want us to have Nothing! But will take our Monies as long as they can and or until they meet their personal and or political goals and or agendas. See 2 page legal instruments enclosed. Yes.. I waited this long to prove, establish, demonstrate and substantiate my allegations and or assertions. It's not what I know.. It's what I can prove. Thanks. Be Safe.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.

I am not responsible for any charges made to these mentioned accounts.
XXXX owns loan. Select Portfolio Servicing services this loan. Debt & loan in Ex husbands name. I paid cash & owned the house. Due to me cosigning the loan. He lost his job and is in the arrears ( court ordered ) to me. SPS has a sale date on the house set for XX/XX/2017. 
I called a lady at XXXX today-XXXX @ XXXX ext XXXX. 
She said she ca n't help but told me to file this complaint with you as I have ask & begging SPS to open an Assumption Loan/ Simultaneous Loan Modification Review with reduced payments based on my XXXX income. PLEASE HELP!!!!!!!!!!!! 
XXXX
I am a XXXX working for a community mental health center that is funded by county government. I have been in this position for 8 years. I should be eligible for the public service loan forgiveness program. When the program began I contacted my servicer, XXXX XXXX, now Navient, and enrolled in an IBR plan in order to start making the XXXX payments needed to take advantage the the PSLF program. I was told that I would just start making payments, and that nothing could be done to certify or ensure PLSF participation until the payments were completed. I did not learn until this year that I should have been told to re-consolidate my loans so that they are the proper type to take advantage of PSLF. As a result 8 years of payments that I intended to count towards the required XXXX do not, and I have to start from the beginning.
Experian Report # XXXX XXXX XXXX 2018 Experian has on my credit report your statement in which I did not say in XXXX as that's there words. Experian has yet to provide proof of a charge off by XXXX XXXX showing {$770.00} written off I have attach a letter from XXXX XXXX showing there was or no money owed by XXXX XXXX. Experian has on my credit file {$770.00} written off with no documented proof from XXXX XXXX showing this balance or a charge off. MY NEXT ISSUE WILL BE LEGAL ACTION ON Experian FOR NO PROOF OR DOCUMENTS PROVEN WHATS STATED BY EXPERAIN.
This complaint in with NELNET Student loan servicing. I have had an account with Nelnet since  XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an undergrad program. Upon receiving my loans from XXXX Nelnet assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from Nelnet and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from Nelnet of {$600.00}., {$450.00} and other amounts. 
I immediately called Nelnet and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, Nelnet informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with Nelnet as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet NELNET has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to Nelnet.
I was told I would need to pay my loan on XXXX although the date due was a XXXX. Is this legal?