WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, XXXX, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to Credco and was informed that they could submit a request of deletion but only under the direction from XXXX. I left a vm with XXXX on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number Credco had given to me to provide to XXXX so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that XXXX would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from XXXX : XXXX XXXX Social Media Analyst II, XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
X/XX/2017 I received an installment loan from CashNetUSA. Upon signing the contract, I did not realize the interest rate was 256 %. Also of my payments of {$270.00} a month only {$56.00} went towards the principal. I feel like I was frauded and the application of the interest was misrepresented.
A company called Finex called me a few weeks ago about an outstanding car towing debt from a car I do not own nor has it ever been in my possession. Now they reported it to the credit bureaus significantly impacting my credit score.
I have disputed the following items with Equifax and and they have continued to report negative items on my report that do not belong to me that is resulting in bringing down my score and has affected my credit worthiness. I have been denied services and auto loans due to my credit score and the negative items that have impacted me.
The homeowner has been trying to get a short sale done on his property for almost a year with the 2nd mtg. The 1st mtg was supposed to get a full payoff but the Buyers who are also the tenants, did not qualify for the loan and once they realized they did not qualify, became very hostile and now there is a difficult tenant-landlord issue here. They are hostile and we are undergoing a tenant eviction process at the moment but it has been a very long and arduous process with the homeowner that just wants to be able to short sell the property. The previous listing agent also was quite hostile and was difficult to work with until the homeowner switched listing agents to try to get another viable, legitimate Buyer for the house. We finally got an offer but at the same time that this offer was presented, Mr.Cooper sends a foreclosure notice via the Foreclosure attorneys on XX/XX/XXXX. We immediately request a postponement request to Mr.Cooper but was told that because we did not send in a short sale packet to Mr.Cooper 37 days before the foreclosure date, they would not be able to postpone the foreclosure date. As you can see, XX/XX/XXXX to XX/XX/XXXX is not even 30 days. The homeowner was not aware of the foreclosure date until he got the letter on XX/XX/XXXX. We have sent in the entire short sale packet to Mr. Cooper and have tried to initiate this in XXXX, the website platform that Mr Cooper processes short sales with, but we need your help in getting this sale postponed since Mr. Cooper has not given the Homeowner the option of fully exploring the short sale.
Yesterday subsequent to a pending '' '' investigation vs chase n their dealings and after my cfpb reporting, n " PRIOR-TO-THAT '' I WAS TOLD MY DISPUTES WERE PENDING YET MY RECEIPTS ALONE TELL A DIFF STORY, ONE SAYS XXXX $ ANOTHER ONE SAYS $ XXXX (? ) {$10.00}, SOMETHING, I RECALL TAKING OUT XXXX $ BUT NEVER {$3500.00} MATTER FACT GETTING RIGHT TO IT THIS BANKS GUILTY OF " DESTRUCTION OF EVIDEMCE ( I.E. THE CARD ENDING XXXX, BEGIN GIG ,XXXX EXP XX/XX/XXXX(? ) YEA YESTERDAY I WENT TO THE BANK BECAUSE NOT ONLY HAS THIS BANK VIOLATED MY P.O.A ACCOUNT N MY MOTHERS LAST YEAR ACCOUNT DATA WITH XXXX!! VERIFICATIONS ON TELEPHONE BUT THE " UNLAWFULLY, WITH NO LICENSE N ILLEGALLY FROZE, SEIZED MY ACCESS TO MY CASH MY FUNDS ETC WITH NO ACTUAL PURPOSE OTHER THAN TO HARRASS ME, N TO RETROACTIVELY " COVER THEY XXXX XXXX XXXX BY FORCING, SCREAMING AT XXXX, THREATENING, XXXX, TO ANSWER QUESTIONS I COULD N'T, N MAKING ME " REDISPUTE '' THINGS FOR THE CORRUPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PURPOSES OF " BY SUCH SAID REDISPUTING, IT WOULD LEAD TO CARD BEING CANCELLED OR DESTROYED TO FURTHER HARM XXXX, DURING THESE PROSECUTORIAP SOON TO BE FINALITY OF OUR CFPB INVESTIGATIONS. I DEMANDED THEY NOT DESTROY THE CARD N REFUND MY $ XXXX {$3000.00}, &, {$110.00} IMMEDIATELY PLUS PENALTY THIS NEVER OCCURRED N STEAD IVE BEEN WE HAVE BEEN GETTING '' BLANK DOCUMENTS, EMPTY RESPONSE FRAUD LETTERS JUST LIKE THEIR SCAMMY FRAUD FILLED ATMS, TAKING PINCODES ISSUEING " XXXX MONEY '' THEN CONSPIRACTORIALLY '' WEEKS LATER- '' IM SHOCKINGLYEE, XXXX XXXX XXXX ( - ) AFTER THE 3PARTY CALL WITH # XXXX  EMPLOYEE AT XXXX CCARD VERIFICATIONS WHERE XXXX ON BEHALF OF CHASE DISPELLED! ALL MY INFO FUNDS ETC STATING {$4700.00}, ON CONFCALL , ) YET NEXT DAY XXXX $ WAS MISSING, THEN ANOTHER {$110.00} FOR GOODS ORDERES I NEVER GOT, THIS BANK AS PREVIOUSLY STATED BEFORE IS GUILTY OF ALLOWING NONNAMEMATCHING, TRANSACTION 'S NOT MATCHING CARD TO OCCUR, WHICH IS BIG FRAUD N FINE WILL ENSUE.EACH REPORT I MAKE IRONIClly from a " Straw '' XXXX, I get " after-fact notices n intimidation calls letters from chase no promising resolution or loan car help at all.therefore chase JP Morgan etal has gotten itself in XXXX '' and Its Scolding!!, .the account was opened with XXXX XXXX $ check, chase allows also cracking '' ccard, by their ATM 's n misquotes, innacuracies, its records to support its unlawful no licensed debt collevting '' chase is guilty off civil rights violations over week denied access to funds n any sense '' 2201-section 1968 civ rights statutes, n guilty of a breach
I have requested this creditor validate or verify this account according to the rules and regulations of FTC. As of today, I have not received a response. If this information can not be supplied, it should be removed from all credit bureaus.
I have been contacting them constantly about alternative options to bring my account out of default and reinstate in good standing to pay the loan in a realistic manner and negotiate a reasonable deal that will work out for b oth Navient and I. They are no t willing to work with me and is preventing me from making future financial decisions as a consumer and hindering me from other lenders.
I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated fromXX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
I have tried on several occasions to get XXXX  and XXXX to correct my birthdate, but it still hasn't been corrected! Transunion I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
I applied for an equity credit line only to be declined because unbeknowns to me the mortgage company had placed a lien equal to 150 % of the loan on the property. I 've contacted the company, CMC Funding ( they use XXXX to service their loans ) regarding releasing the additional 50 %. After several emails and XXXX phone calls assuring me that they would be quickly getting back with me I have heard nothing from them. My request was pretty simple but they seem content ignoring me. If by chance I did sign something in the closing documents that allowed then to increase the lien on the proerty to 150 % of the loan value it was done in a very deceptive manner. None of the previous loans that I have had ever had anything like this and if something this restrictive was added to the loan documents it at a minimum should have to be made crystal clear to the applicant as part of the truth in lending. It appears to me that if I took action using the Kentucky Revised Status that they could consider me in default of the loan, which seems absurd but even my personal bank did n't understand the process and that is why I 've tried to deal with CMC/XXXX regarding this issue in a civil manner but apparently they do n't operate under the concept of real customer care. If I had known I would have either negociated it out of the terms of the loan or found a different mortgage company.
The original financing was, between XXXX XXXX and XXXX XXXX my husband at the time of the divorce, in XX/XX/2015.The judge awarded the Real property, including vacation property, all insurance, tax and all cost incurred with said properties to XXXX XXXX and declared that, My ex-husband was responsible for the mortgage ( s ) and he had full ownership of all properties and all debts, incurred. The original note for the time share, has been paid off before our divorce and any incurred maintenance /expenses are those of my ex husband, for the usage of the property and his personal enjoyment. I have not requested or visited any of the properties and/or services, that are provided by the original sales agreement. After the judge awarded the timeshare to my ex husband. These cost are that of the owner and the usage and upkeep. I am no longer the owner of the timeshare and I have no knowledge of whom Pinnacle Recovery. They were not involved in the original agreement and have no working knowledge of the transaction. The debt is not valid, nor is the debt, my debt. 

The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to any ability to report, this debt/information and as protection provided by the fair credit reporting act. The collection agency, has stated that the debt will be reported to the credit bureaus and placed on my credit file, causing a hardship, for me and my family. 

I have spoken with XXXX XXXX and notified them countless times, that ownership of the timeshare, had been taken from me by the courts and awarded to XXXX XXXX, in whole. XXXX, has still tried to collect fees from me and has stated that, they have no respect for the court system and the judge has no authority over them and their property. These cost are the cost for the ownership of said, timeshare, which is not me, as of XX/XX/2015. 

I have tried to work with them, including but not limited to, asking XXXX XXXX, to allow XXXX, to sale the timeshare. XXXX XXXX agreed and XXXX was unable to sell, the timeshare, even at a discounted rate, because the timeshare market is all but gone. This is a strong arm approach, to try and secure a profit from, me on a investment, that I do not own and a market that has all but, died and this activity by all parties are illegal and I request a cease and desist of all collection attempts from me by all parties involved and that any attempt to place such debt. Cease and desist.
I received a final notice of pre- legal notification from a company called XXXX XXXX XXXX regarding a collection for an XXXX  credit account through XXXX XXXX.I never opened a credit card for XXXX as all my purchases are paid on a debit card. I have never heard from this company until I applied for a student loan for my child.

Suddenly I receive a final notice for the amount of {$490.00} I didn't apply for. They allege a charge off date of XX/XX/2017. Also an unknown address shows up on my XXXX credit report along with this company. Numerous online complaints state this is scam company.I owe them or synchrony bank nothing I assure you.
I paid my account on time using their website and 30 days after the website notified me that i had paid my account on time the company notified me that they never received my payment. This caused a 30 day late pay to be put on my report. Which has caused me to not get the best rates possible for my home loan. I have tried to get the reporting corrected by going thru the credit bureaus but have not been successful.
I opened a RushCard back in XX/XX/XXXX for my direct deposit in XX/XX/XXXX I purchased a hotel through XXXX and as long as I cancelled by the cancellation date I would n't be charged. The hotel charged me twice. I made a claim through RushCard in which the declined. I had to send a rebuttal letter in which I did in XX/XX/XXXX and I have n't heard from RushCard I have called they said they they are going to send a message to corp. and they would respond in two business days sometimes they tell me they will respond in six hours. I asked how long they are respond to response to the rebuttal letters. I was told 30 days. I 've been waiting 6 months for my money. I 've been waiting 3 months for corp to respond to about the fees they are charging me to transfer between my two RushCard 's which are both under my same social. So last week I called a demanded my money from them and they sent another one of their messages to corp. yesterday I go to login on my account to find it was suspended I call they told me hay corp said that it had the wrong social attached. Now keep in mind I had that second card since XX/XX/XXXX when I call enter my social in IVr it said that I have two cards under my social. They closed it without my knowledge and caused me returned payment on two of bills. They than sent me a check that they say will take 7-10 business days. I am moving out of state next week and I wo n't be here to get that check and I have two bills that are delinquent now. RushCard has stolen over 600 $ from me. I demand that they are investigated and shutdown!!
Debt was paid in XX/XX/XXXX for the full amount of {$360.00} for services rendered in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. I have received notice to verify account has been settled in full dated XX/XX/XXXX and that this information would be forwarded to all three Credit Bureaus to delete this from my credit report. This account still shows open and has not been reported to one of the three bureaus ( XXXX  ). I have contacted the company and they stated they submitted electronic request to all credit bureaus and I needed to contact them there is nothing else for them to do this happens all the time and it is out of their control. I contacted the above mentioned credit bureau ( XXXX  ) and they stated they have not received any electronic communication from the collection agency and account still shows active and open, the company will have to resend over the request before account can be deleted from my credit report they can not just delete without receiving communication from collection agency. I contacted the company twice in XX/XX/XXXX and again in XX/XX/XXXX and each time they keep giving me the run around saying there is nothing they can do another department handles submitting the request to the credit bureau 's, they do not accept phone calls from customers and they were not able to resend the information since it was already sent the first time.
I wrote a letter and mailed it certified mail return receipt to stop contacting me. I continue to get daily calls and voice mail messages despite instructing them to stop calling me. I am a senior citizen and they are scaring me.
On XXXX XXXX, 2015, I called a company to order flowers named " XXXX '', using my TD Bank debit card. This company signed me up for a monthly club without my consent or even asking me. Since then, I have been getting a charge of {$9.00} a month on my TD Bank account. I cancelled my debit card in XX/XX/XXXX, but somehow the company found a way to keep charging my account. This is tantamount to fraud. 
I have been trying to work with TD Bank since XX/XX/XXXX to dispute these monthly charges on my account, but they have frustrated me at every turn. First they said they would not investigate until I provided a " membership agreement ''. I obviously did not have one, as I never signed up for anything. In the last attempt, I wrote to the home office. They sent me a letter saying that they checked their records, and everything seemed fine, but they would dispute it with the merchant if I responded to their letter with additional information. I responded with this information the day I received the letter. When I called to inquire on the status in XX/XX/XXXX, I was informed that they closed the investigation because I did n't respond quickly enough! Then in early XX/XX/XXXX, I wrote another letter to the home office to complain. In it, I requested they perform an actual, real investigation of these fraudulent charges, and that they close the account. They have not responded to this letter at all.
On XXXX XXXX, I requested my free credit report from Experian using their webform, and received the following error : " We 're sorry '' / " A condition exists that prevents Experian from being able to accept your request at this time. '' / " To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I mailed a request the same day, on XXXX XXXX. On XXXX XXXX, I again tried to retrieve my report using the web form, and received the same error. ( I can not recall ever, since the first launch of the free annual credit report site, successfully retrieving a report from Experian online. ) It has now been more than three weeks since I mailed the paper form, and no paper credit report seems forthcoming either. I understand that Experian is required to comply with my request within 15 days, but I allowed 3 weeks as suggested by the CFPB site. At this point I am going to try again, sending the form by Certified Mail. I do not feel that I should have to go to such lengths to obtain what the law says Experian must provide me.
My original complaint is with XXXX - # XXXX regarding a student loan. XXXX response to CFPB and myself XXXX XXXX, they ask me to contact National Enterprise Systems, I received a letter from National Enterprise Systems , Inc. regarding a co-borrower release on this account ( s ) and to release me form obligation to XXXX XXXX in the amount of {$4000.00} by XXXX/XXXX/XXXX. " To take advantage of this tremendous savings to you, contact us today at XXXX XXXX XXXX XXXX. So I took the paperwork to my Credit Union for a Loan, and they suggest that I verify the information in this Letter. because I had on going issue with XXXX I am including CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
I have contacted XXXX, XXXX, and XXXX many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
I have tried on several occasions roughly last 5 years to try to get a reduction in my mortgage rate or in one of the Home Affordable Refinance Program. I have even tried to apply for other help mortgage programs with the lender and have been unsuccessful. I have requested my loan paperwork and my loan was transferred to my current mortgage company and I have noticed it was changed from XXXX to XXXX. I have contacted the loan officer and was told she had some issue with her partner who misappropriated some funds and may have tampered with that paperwork. I am also currently own more on my loan than the house is worth. I am looking for any help possible.
I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.
Despite numerous attempts to resolve the issue with these extortionists they refuse to provide me with adequate proof required under law that the debt actually belongs to me. First and foremost at the time of the alleged debt I was fully insured by XXXX XXXX and had no debt owed to any hospital as far as I know. I have asked memories times for Proof since my wallet had been taken that year, a report made with the police and was fully employed and insured at the time of the alleged debt. 

Experian must honor there non compliance issues by following the law as well. If the can send me my signature on the paperwork that outlines the debt I would be happy to let it go. I have moved since then and had received nothing on the mail to constitute the recited bad payment history as well.
The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered my XX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.

The next payment of {$800.00} made onXX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXXbeing 30+ days late on XXXX  and XX/XX/XXXXbeing 30+ days late on TransUnion and XXXX   There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. TransUnion has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report throughXX/XX/XXXX.

There was an extension granted in XX/XX/XXXXwhich should've covered my XX/XX/XXXX and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX andXX/XX/XXXXand 30 days late forXX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX   has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.