WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " EQUIFAX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted XXXX, EQUIFAX AND XXXX for removal back in XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
After I entered all my personal information in Annualcreditreport.com it does not show me my credit report. It says that my information does not match with TransUnion records. Then it makes me confirm my SSN and still does not work. I have tried also directly from TransUnion Interactive website and it neither works. Before XXXX 2016, I was able to get credit reports from other sources as XXXX XXXX until it stopped working because of the same reason : my information does not match with TransUnion reports. I am absolutely sure that I am typing the correct information. I also created an account at XXXX with my social security number and I did not have any problem verifying my identity. I am asking for help here because Annualcreditreport.com contact form is not working neither. How can I ask TransUnion to verify my personal information so I can get my credit reports?
I used the online company Coinbase for two transactions on XX/XX/XXXX : Transaction 1 : Sold XXXX at {$6300.00} per BTC in bitcoin for total of {$220.00} Transaction 2 : Sold XXXX at {$6300.00} per BTC in bitcoin for total of {$360.00} Both transactions were supposed to be direct deposited in USD into my bank account on XX/XX/XXXX. They were both marked as complete but I never received the bank deposit. I opened up a support case on XX/XX/XXXX ( case # XXXX ) and never received a response. I also was never able to reach the company via phone. 

I am willing to provide bank statements proving this amount was never deposited.
IDENTITY THEFT NOT RESOLVED Source XXXX  Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name WELLS FARGO DLR SVC/XXXX XXXX Phone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX State NC Zip XXXX
I requested my creditor Loan Depot to assess my loan for the removal of my PMI insurance. I was instructed that I had to make payments for 11 whole years before they would remove PMI. I know that if my Loan to Value is below or close to 80 percent then they should consider the removal of my PMI. I refinanced my home almost 2 years ago and during that time my appraised value came in at {$200000.00} and my current outstanding balance on my home is {$170000.00}. Are they correct in saying I have to wait 11 years? Is this a new regulation I 'm not aware of?
On XX/XX/XXXX. I called Bank of America to transfer money from my saving account to my mortgage. I was given a confirmation number afterwards, I had enough money in my saving account to make my mortgage payment. I was told by several Bank of America Supervisors that I had taken the proper steps, my payment was intentionally posted on XX/XX/XXXX, which they intentionally tried to make late on my mortgage for XX/XX/XXXX and XXXX XXXX, I had never been late or missed a payment. I had requested for it to be paid on XX/XX/XXXX. My mortgage payment was reverse to Bank of America bank account. Please refund {$770.00} towards my XX/XX/XXXX mortgage payment so that it can be paid in full. My instructions were n't followed as a valuable customer. I am requesting that you investigate my mortgage payment to see where it went and pay for my arbitration. I no longer want to be a customer of Bank of America. They are horrible. From a scale to 1-10. I give them a zero. Their customer service is extremely horrible. Bank of America had not attended to resolve any issues.
I was going to school for one year and graduated in XX/XX/1984 and I believe that I fraud was happening because it was a one year program and to this day, they taking money from my XXXX and we sent all paperwork to the FTC, and they said that you would be able to help me.
Hello, My name is XXXX XXXX, I ordered a ChexSystem report about a week ago because I can not open a bank account. Back in 2010 I had an account with XXXX XXXX XXXX, they closed my account due to a bad check. I wrote them numerous letters, but they never replied. 5 years later I 'm still unable to open an account. Once I received my ChexSystem report it stated that I tried opening numerous bank account in states that I have never been before. I just need to get a clear understanding of whats going on, and what should I do.
I called synchrony bank Walmart credit card before my payment was due to advise them I would be late they told me they will waive the late fee and that nothing would change as far as my minimum payment due well not only did they charge me a late fee they also upped my minimum payment and they keep doing it every month I refuse to pay since they gave me the information that nothing would change
While I traveled outside country, I rented a car in XXXX using BOA 's credit card ( BOA TRAVEL REWARDS VISA CARD, XX/XX/XXXX to XX/XX/XXXX ), rental car company withheld a credit on my card on XX/XX/XXXX and released when I returned the car on XX/XX/XXXX, then I realized that I was unreasonably charged usd {$46.00} for less than XXXX XXXX Lira charge ( it should be less then XXXX usd per market rate ), rental car company ( XXXX ) sent me letters clearly stated that only less than XXXX XXXX Lira was charged by them. BOA explain that this is because of the foreign currency exchange rate change and reject to dispute the overcharge, clearly I am treated unfairly and have been taken advantage by BOA.
On  XXXX   XXXX ,  2017 I called Santander Bank to req uest a Home Equity Loan. My first question for them was if I was eligible for the loan if I had already started my kitchen renovation because I did n't want to waste my time if this was the case. The representative from Santander said this would n't be a problem. The representative 's name is  XXXX  and her ID number is  XXXX . I decided to apply over the phone with her and we spend over 40 min on the phone going through the process. She told me to have the rate they were offering, I would also need to open a checking account. I asked if I could open this later after being approved because I did n't want to deal with the hassle of opening a bank account, make a deposit of {$25.00} ( minimum required ) and then get my application rejected and have to cancel the account. She said opening then would be easier and I accepted to open the checking account. Since then I provided all documents required by then, with a note that most of the time I was the only reaching out to them to see the status of my application because I was not getting communications directly from them. Now I 've been informed that after the assessment of my propert y ( don e last week ) that my application was not acceptable and was sent to " denied '' because my kitchen and a small bathroom are under construction. I contacted them and explained the situation and they simply " apologized for the inconvenience '' and said I could have another re-evaluation as long as it is done by  XX/XX/XXXX  otherwise I would need to start from scratch. I requested an extension of this deadline since the construction should be all set by the week of  XX/XX/XXXX  and they rejected my request as well. Now I am left with an unfinished kitchen and bathroom, a checking account that I do n't want to use and the hassle to pursue another loan and start from scratch because they misled with wrong information.
In XXXX 2016 I read a news article about Capital One offering their new " Credit Wise '' free credit monitoring app for download. They claimed one did not need an acct, which I do not have, in order to sign up. I downloaded the app on my XXXX and then opened the app and started the free sign up process. I filled out the app 's forms and at a certain point the app noticed that I already had a Capital One acct and asked me for my login and email and password. I attempted to login several times and received error code XXXX. I eventually gave up and contacted Capital One fraud dept. by telephone to notify them that I do not have a credit card acct. Their customer service team attempted to assist and could not understand why this was happening so they escalated/passed the complaint to their internal " security/IT '' team. They called back and gave me further instructions to attempt login to the " Credit Wise '' app and those failed as well. They sounded confused over the phone. Ironically, several months after this occurred I started to receive text message alerts that someone was attempting to use my Capital One XXXX card for purchases and they asked me if the purchases were valid via text. I responded " no '' and did not hear back from them. For the record, I do not have a Capital One XXXX Card nor have been able to login to their " Credit Wise '' app. I believe they have not done enough to ensure that someone illegally has a credit card in my name or have produced a valid reason why this is happening to me. After reading news about other large banks creating fake credit card and bank accounts recently, I decided to proceed to an FTC complaint since Capital One XXXX and their Credit Wise app security team has failed to assist.
This collection agency XXXX XXXX XXXX employees were harassing me by phone and were following me at my place or work, waiting around my home since XX/XX/XXXX. the harassment was unbearable to the point where I had to do a private investigation. this is where I found that those harassments were coming from XXXX XXXX XXXX XXXX in Wy. they have 2 office in Colorado at the address of XXXX XXXX XXXX XXXX co XXXX and XXXX XXXX XXXX XXXX XXXX co XXXX. As soon as I got those information from my investigation I sent them a cease and desist letter by certify letter with return receipt on XX/XX/XXXX. up to today they never respond to me which is a proof that they were the hiding company harassing me. today XX/XX/XXXX I sent them another cease and desist letter by certify mail with return receipt through my investigation I found that they claim that I owe them some debts XXXX $ + $ XXXX. I do not recall doing business with them neither or had a contract and agreement with them. therefore I requested on my previous letter to sent me a copy with my signature on it of the contract or agreement that I had with them which give them the right to collect any debt from me, they never responded. I also requested a copy of any contract or agreement that they have with the original creditor of those debts which entitle them to collect them. they never responded as well. but the harassments continues. again XX/XX/XXXX I sent them the same cease and desist letter with the same contract requests. by law I have the right to remain free from those unlawful tactics of this companies used. they constitute harassments, stalking and etc. also under the FDCPa section 805 ( c ) it is my right to request them to case any so ever contacts. those requests was sent to their XXXX XXXX XXXX WY XXXX address. but since they know they do not have the right to collect any debts from me they still do n't respond to me neither stop follow me around or calling me. 
Reason why I am filing my complaint. this company have 2 offices in colorado one in XXXX XXXXXXXX and XXXX and they are a threat to the lifes of civilians in public
I paid a settlement t o Synchrony Financial  on  XXXX   XXXX ,  2017 for a V  alue City Cr edit card they handle. The payment was for an amount {$380.00} which should have settled the balance leave me owing nothing. I have confirmation both that the payment was sufficient for them to consider the balance settled and of the payment itself. On  XXXX   XXXX ,    2017 Synchrony  mailed me a statement reflecting the payment of {$380.00} but showing a balance of {$770.00} and a minimum payment due of {$73.00}. I called Synchrony today  XXXX   XXXX  , 2017 a nd after speaking with several people including someone off shore named  XXXX  and supervisor named  XXXX  here in the United States I was told that my account was under a review period and that it " should be '' settled in 30 days. It is unacceptable that after confirmation of this being considered paid in full that they are now telling me it is under review and I am still receiving bills.
there was a credit card opened up in my name that i never gave     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     the permission to issue me any kind of credit i am looking for this company to get rid of this account off my credit reports asap because it is affecting them in a bad way.
I have so many hard inquiries from fraud stuff I know for fact I never applied for I need help getting them removed
There is a collection item on my credit report for XXXX. I can not even remember if I have used XXXX in the past. If I did it had to have been over 7 years ago because I have been with XXXX XXXX for so long I ca n't even remember. There is not anyway I would have left a balance with XXXX. I have not been provided with any documentation that supports this amount
While trying to obtain a mortgage, I discovered that my credit score had decreased from over 800 to less than 660. Upon further investigation, I was informed that a Discover Card was listed as delinquent on my account. The account, evidently, belonged to my former wife from whom I have been divorced for well over 3 years. She XXXX XXXX in XX/XX/2017. I have requested documentation showing proof I am the responsible party. I have spoken with Discover for several hours over more than 6 separate calls. They have supposedly closed the account and filed a claim that the account is fraudulent. They have not corrected the credit reporting and they are calling me about the collection of the account. I request that the reporting be updated immediately showing no delinquent activity and no responsibility for the account or I request proof that I signed as responsible for the account. This error is costing me thousands of dollars in finance charges because of the negative credit reporting. I have asked to pay the past due balance to help alleviate the issue of the negative reporting on my credit bureau account and Discover has stated on XX/XX/15 at XXXX XXXX via XXXX that I am not allowed to make a payment on the account.
I ca n't access my money. And I ca n't make transfers. My dedit card says blocked.
This is an ongoing problem with this company. The force placed an insurance policy on my mothers home for 300 % what is a typical rate. My mother who is XXXX was never told it was a forced placement and was misguided. Nonetheless, we accepted and are paying it by certified mail. To avoid this issue this year I personally obtained the insurance policy which has the loan number and company endorsement. We mailed it by certified mail to the company and to the insurance department. My mother has now received a new notification that her home will be taken since they have no documentation or evidence of the policy. We are trying to call. the phones are always busy. We try to fax as they said and the line is always busy. We call the call center and they redirect us to a phone line which is busy. Throughout the whole process my mother is worrying unnecessarily. They will not provide an email of anybody in the company. We have incurred in legal fees without any need since we have payed as stipulated. I even tried to contact through XXXX XXXX XXXX. XXXX XXXX XXXX, Executive Compliance Resolution Analyst at Reverse Mortgage Solutions , Inc. As you can see I am desperate for an answer or confirmation that I have followed everything they have said. This is not a well run professional organization.
In XXXX XXXX some of my loans went into repayment and I began making payments to Great Lakes XXXX. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made {$1900.00} in payment. According to my XXXX XXXX billing statement my payment history showed {$770.00} in principal payments and {$1400.00} in interest payments. I entered XXXX school in XXXX XXXX. However, in my XXXX XXXX billing statement, my payment history now showed only {$460.00} in principal payments and {$1700.00}, a shift of {$300.00} from principal to interest payments. The payment history on their site also now longer matches the information from the billing statements during that time. All the payments prior to XXXX/XXXX/XXXX are now all showing interest only payments. I noticed the issue after making my XXXX payment and contacted Great Lakes on or about XXXX/XXXX/XXXX. 

I was advised that someone would be researching the issue and getting back to me in XXXX3 business days. Three weeks went by and no update and the account is still showing incorrectly. I contacted them again today and they had no answers, despite having my call escalated to XXXX different supervisors XXXX and they advised that me it will take at least XXXX2 more business days to research the issue. When I asked for the detailed payment history for each disbursement ( token ) for the loan, I was first advised it would take XXXX6 weeks. However, once I spoke with a supervisor I was told it would now only take XXXX2 business days. I would like to make another payment, but I am waiting for them to correct this issue so that this payment is also not misapplied. 

I need both the detailed token payment history and the payment application error corrected. Further, I would like to have a detailed token payment history sent to me monthly so I can continue to monitor their compliance.
On or about XXXX XXXX of this year, I spoke with a " Service Representative '' at the 'Main Office ' at PNC Bank in XXXX , Pa . I had called because I saw a pending payment to XXXX XXXX XXXX Co . I requested a 'stop payment ' because no application should have been submitted to them. I was told that I would need to file a 'dispute. ' I asked if she would do it? She replied that she would. I, also, requested a stop payment on any request coming from " XXXX XXXX '' and, and, again she said yes. 
However, both requests were ignored and PNC paid both and, immediately, begin charging me overdraft fees which totaled over {$100.00} for the month of XXXX 2016. 
On XXXX XXXX, 2016, I asked the 'Representative to transferred {$900.00} from savings to checking to cover overdrafts and 'accounts payable. ' To my surprise, when I checked my balance that afternoon on the same day, my 'personal checking ' showed a negative balance of {$840.00}. The teller at the " XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD. corrected the and I had a balance of {$58.00}. But, on XXXX/XXXX/16, I, again, checked my balance and had a negative amount of {$110.00}. 
I want PNC Bank to return to me all the monies owed me for overdrafts and fees which should not have been charged My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , MD. XXXX. Home Phone is XXXX. My cell is XXXX My 'personal account number is XXXX
I was XXXX for 9 yrs of my life. My identity was stolen. I keep getting calls from collectors trying to get me to agree to accounts that do n't belong to me and harassing me. Im not going to agree to anything if they dont belong to me. I will go to court if you need me to. But this has make my life a nightmare. Now I have costudy of my daughther and because of my credit I cant get a desent house.
On XX/XX/18 I tried to make a weekly payment using XXXX with my Fifth Third Checking Account. I received an error saying for security reason, we can not make the payment. 

I called Fifth Third, and they were deceptive saying it's because I changed a phone number on the account. ( I just removed my work number from my account profile ) And because of that, I can not use this account for 30 days. 

I then requested to speak to a supervisor, and she said the same thing ( more deception ). As my frustrations mounted, she admitted that it's because I'm a payment behind on a credit card that I have with Fifth Third, which is beyond abusive. 

I can't believe they can do this legally. Especially not being transparent and telling me truth of matter.
When i suggested that I had no knowledge of the account or an account in collections It was relayed back to me that " my credit would be damaged for many years for refusal to pay or work out an option to you '' I was harassed with repeat phonecalls met with rude service, I have asked to be sent proof of signature, date, ID, etc for verification that the debt belongs to me and have received no response. 
I have disputed the debt with no response I have sent letters with no response.
While recently moving to Florida, I was going through tough times financially. I missed one payment of 30 days in XX/XX/XXXX. That is the only payment I have missed with XXXX   XXXX. Even going 2 to 3 years without missing a payment they will not work with me or accept my goodwill request as of XX/XX/XXXX. The credit agency, experian also was not able to help.