WillisBack/dataset-financial-user-claim huggingface dataset:
Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX XXXX-XXXX-XXXX-XXXX Made a " Hard Inquiry '' to Equifax that I did not authorize. 

I contacted XXXX XXXX. They do not know who did it. 

I have set up a Fraud Alert and initiated a security Freeze.
I ordered clothing while at a store in XXXX, XXXX for {$1800.00} using my Chase XXXX credit card on XX/XX/XXXX. The following day the store sent a person to do some measuring at which time I noticed the materials did not match those I chose in the store. I ask the store to cancel the order, but they refused to do so. I immediately contacted Chase to dispute the credit card charges. When the clothing arrived, it was not what I ordered and the materials manifest on the package clearly states the materials were not what I ordered. I repeatedly tried to contact the store to a obtain a return authorization and return address to return the clothing for a full refund, but the store did not respond or provide an address to return the clothing. I received a letter from Chase on XX/XX/XXXX stating the charges were valid because the store did not receive the clothing I attempted to return. I reopened the case with Chase and informed Chase that I had attempted to return the clothing to the store but was unsuccessful in getting a response from the store and that is why I still had the clothing via writing and a telephone conversation. On XX/XX/XXXX I received another letter from Chase stating the charges were valid due to the amount of time that has passed. I believe Chase has made mistakes in handling this dispute. The merchandise I received was not what I ordered. Chase incorrectly assumed I had and was able to return the merchandise, but the merchant did not answer their phone or emails in order to provide me with a return shipping address and I had informed them of this problem before they made their determination. 

The merchant has not provided to Chase any documentation that states the quality of the clothing. The merchant provided documentation on the box of the sent clothing to me that is different than they described to me at time of purchase ( attachment XXXX ). The merchant has provided sales drafts that are completely different than the ones they provided me ( attachments XXXX and XXXX ). The sales drafts the merchant provided me do not state that the clothing is non-refundable nor do they contain my signature, nor are the signatures on the sales drafts provided to Chase by the merchant my signature indicating fraud by the merchant. I believe Chase has inadequately evaluated the provided documentation I submitted and negligently investigated my dispute and therefore a billing error remains in effect.
For the last 2 years in a row, I tried to get my credit reports on XXXX. It asks me a few questions, I answer them correctly and it locks me out of all my reports and says I have to print out a page and mail it in. Of course if I need it quickly I can pay the {$20.00} overnight fee.
In  XX/XX/XXXX  I filed a complaint with Equifax and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Hello.. 
I was living on a XXXX XXXX XXXX XXXX  for 2 years, I decided to move out cause that manager on charge give to much stress when left an apartment she comes to supervise and I am not left an apartment dirty, left some furniture cause no to much time for move out they charge for everything they do in that apartment, that manager that time threat me they gon na suid me for a lot money I told them I have my security deposit and she continues yellow me is gon na be more I reply her is no nice she yellow me and treat me, after few months I find out they sent to collection with hight amount the XXXX without noticing me. they keep my security deposit plus my dogs deposits, I try to contact them to ask where my security deposit they say they suppose sent to a collection department, I was call collection department they say they did not get it any security deposit from them they put one vinyl change some other charge damage was done a maintain guy who working for XXXX XXXX I go attach a breakdown charge and collection number, I I appreciate you guys help in this case Account Details Bureau Name XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$4200.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported phone number XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX NV
Barclays Bank Delaware continues to report an account to XXXX and XXXX   the account was the result of bankruptcy filing due to Id theft several years ago the account was previously removed from all credit files and has been readers to XXXX and XXXX without and notice to me
Trying to collect a debt that is not in my name and violations of FCRA in false reporting.
Discover bank is not treating me fairly and equitably. The bank keeps giving me a hard time with managing my accounts. I had to call this bank several times and the customer service is very poor. I was put on hold for such a long time and a resolution could not be reached!
I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/2013 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Mortgage Account Duplicated on Report, Duplicate is Zero 'd out Sums, and posted a negative hit to my credit rating, there have been Letter Requested to up date, However Equifax Has not responded, XXXX Has corrected the initial issue. 

XXXX Accounts are the same Account #, Also The Reporting is out of date, Attached as well is latest information from the Mortgage Company on what I owe, XXXX, XXXX, and XXXX are all already paid. XXXX paid on XXXX, XXXX Will Be Similar as will be paid last week XX/XX/XXXX.
I tried to open a checking 's account with XXXX Bank, and US Bank in XXXX XXXX, and I was denied a checking 's account with XXXX banks because XXXX is reporting innacurate information to the banks stated above, intervening with my future banking. This matter was cleared in XXXX, should n't be reporting innacurate information to banks under any circumstances. Please clear this matter at your earliest convenience. I have already provided XXXX with a police report from XXXX Police Department regarding this matter.
XX/XX/XXXX I received a. Call from my brother stating that someone called him stating that they were going to sue me If I do not contact them. This was the 1st time I heard about the debt. I called the Texas phone number given and a lady answered stating she was with Meridian ARG. She said that I owed {$860.00} to XXXX XXXX. I asked for more information and asked why I didnt not receive any type of written information. I told her I do not have any accounts with XXXXXXXX XXXX nor do I recall ever banking with them. She could not provide me with the dates of this debt. I told her I would need written proof of the debt before I would be willing to resolve the issue. I also told her I am currently out of state at a 5hour time difference so I would contact her once I got true verification of the debt to get it resolved. She provided me with the number to XXXXXXXX XXXX and the account number. I called XXXXXXXX XXXX the same day and spoke with a customer service representative who gave me a number for the collection department. She told me I had an account in XX/XX/XXXXto amount with fees that were owed was {$530.00} and that the account was sent to a collection agency that went out of business. She also told me to verify the business due to the debt being wrote off with them and the agency not existing ( this was all on a recorded line ). I then received a call and voicemail from the lady with XXXX XXXX at XXXX stating that i have failed to voluntarily rectify and will be served to appear in court in a state I Am not in, however if I call I can stop the process. I pulled my credit as well as it was not on any report. 
They have yet to provide me with any proof of my obligation or of their validity as a company.
I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.
Borrower is in the middle of a purchase transaction and we have been trying to ge t two mo nths stateme nts. 3 weeks  later we still do not have the statem ents. Borrower w ill be loosing his lock and possible the home. Need statement faxed to emailed as soon as possible.
Called and left messages with family members about a debt. Payment was made on XX/XX/2018 ; they called my son and left a threatening voicemail on XX/XX/2018.
Im writing today to express my sincere disappointment in Rushmore Loan Management Services regarding the Deed In Lieu of Foreclosure process. I worked with a representative who was helpful and courteous, so my complaint is not with her. 
To begin, I filed Chapter XXXX bankruptcy in XX/XX/XXXX which was Discharged in XX/XX/XXXX. Since that time the mortgage on the property in question was sold by XXXX  XXXX XXXX to XXXX XXXX XXXX XXXX, then from XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX and finally to Rushmore Loan Management Services. Not only did I receive collections phone calls ( after bankruptcy ) from every one of these financial institutions, but I went through agony over the last 6 years in my attempts to fully remove the propertys title from my name. 
My major complaint with Rushmore however, stems from the Deed in Lieu which proceeded as follows. 
I first received an offer on XX/XX/XXXX regarding the Deed in Lieu process. The letter stated the offer was valid for 60 days. The verbiage of the offer letter states verbatim : The best part of the program is that Rushmore Loan Management Services LLC will give you a one-time payment to assist you with relocation expenses in the amount of {$2500.00} which will be paid to you at the time the deed-in-lieu process is complete. 
I have provided a copy of this document for your review. 
As I corresponded with my representative, I was also advised I needed to complete a XXXX to receive the incentive. I was provided a copy and returned it as requested. I have also provided copies of my email correspondence to show where I was advised of the necessity of this document as well as the confirmation that it was received. 
After having my attorney review the documents, I met with a notary on XX/XX/XXXX and signed the Deed in Lieu, which was sent out to the third-party servicer by the notary the next day via XXXX. The Satisfaction of Mortgage was recorded with the county on XX/XX/XXXX. I have also provided a copy of this document for your review. 
I followed up with my representative several time over the next few weeks in an effort to get copies of the signed documents and to find out about receiving the incentive I was offered. Today, much to my surprise and dismay, I was advised that I would not be receiving the incentive as it had been denied by the investor. 
Nowhere, in the documents I was provided did it state ( or did I see ) that the incentive was subject to approval after signing of the documents, and that it could be denied. To the contrary, over the course of the entire process, I was led to believe that I would be receiving the incentive upon completion. I firmly believe that I was misled to coax me into signing the Deed in Lieu documents. I was offered an incentive only so Rushmore could get me to turn over the property. As requested, and agreed, I followed through with the process which was fully completed within the 60-day time frame. I held up my end of the agreement, but once Rushmore got what they wanted from me, they refused to follow through on their end. If there ever was a practice that truly defined unfair and deceptive, this is it.
XXXX , amount {$1100.00}.  Capital one to removed this account off my credit report because i t 's past  7 years old ( c lose in  XXXX   XXXX  ).  Capital One  said they will not removed this account of my credit report because they ( ca pital one ) c lose this account in  XXXX / XXXX / XXXX . This is NOT right I close this in  XXXX . PLEASE REMOVED THIS ACCOUNT OFF MY CREDIT RE PORT (   XXXX   and   XXXX   )  Thanks For your Help
Back in  XXXX  o f 2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  .  XXXX  gave me a confirmation #  XXXX  after deleting the negative information.   Aft er one ye ar the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX
For several years now, I 've been unable to view my Experian credit report online at AnnualCreditReport.com. The website provides no information regarding the reason for this ( e.g., whether there 's a problem with my application, or perhaps they 're just doing server maintenance, etc. ), so there is no way for me to take action to correct the problem. 
They do provide a way to request the report by mail, but I need a soft copy to store in the computer. 
I 've found several other people in online forums who have the exact same issue ( and no problem at all with the other XXXX credit agencies ). For your reference, I 'm attaching a screenshot of the now all-too-familiar denial screen. 
One gets the impression that Experian wants people to " become members '' at their own online service, for a fee. 
Is there a way to require them to explain why such online requests ca n't be processed and provide users a pathway to resolve the problem? 
Thanks for all you do.
I am are currently dealing with an issue with Portfolio recovery associates. They are claiming that I owe XXXX for a credit card that is not mine. I have disputed these accounts already with both Portfolio and also with the credit bureaus and they are coming back with documents that they claim show proof that it is my account. However, the papers they are sending show nothing but a few statements of transactions and do not verfiy that they were mine. I continue to go in circles with this company and would like these removed!
On XX/XX/XXXX Santander bank allowed a money transfer of XXXX dollars to be wired out of my account without notifying me of the demand from another person and anther bank. The request happens to be a scam from who ever made the request.. I suspect several individuals being involved as the amount wired out of the account equals a wired transferred into the account on XX/XX/XXXX. My account at that time was XXXX. 

I have been involved with Santander Bank in recovering the funds. We have but a block on the old account. We have removed most of the funds in the old account into a new account. The old account has been blocked but kept open so when the funds are recovered the paper trail can be followed in order to put the funds into the new saving account. 

I do not understand why the bank thinks it can remove funds out of a private client 's account without notifying him/ her and to get the client 's approval. This would stop scammers from using this security breach from stealing funds from unsuspecting individuals
In XXXX of 2016 I made 2 payments to my loan and specified that it was for 2 months of payments but they allocated only 1 payment towards my payments and the other one towards the principle of the loan without notifying me. When i found out what had happened then I was showing 30 days late.
Several collection items were reinserted into my Equifax file after being removed previously. Per the FCRA, I was to be notified within 5 days of the reinsertion, but I was not. Since XX/XX/XXXX, I have filed complaints directly with Equifax & through the BBB, but to no avail.
Carter Young Inc, a XXXX, Georgia based debt collector continues to report an invalid account. Based on a quick web search it appears this is a standard practice for this company. 

The vendor has acknowledge the debt is not owed. Further, they are suggesting they have not had a relationship with this collection agency for several months - at least one year. 

The Credit Bureau 's continue to take the side of this collection agency by wrongly reporting the information. Even after the vendor, and I have both sent supporting documentation proving the debt has been paid. 

Carter Young 's actions are fraudulent, and they should be punished to the fullest extent of the law.
I was taken by ambulance to the emergency room at XXXX XXXX hospital in XX/XX/XXXX with XXXX   XXXX XXXX from a XXXX to do my XXXX XXXX. I was sent directly to the XXXX XXXX. the dr. claiming this bill / never sent me a bill to my address until XX/XX/XXXX claiming it was still owed. all bills were sent to the XXXX XXXX va. billing dept. with a pre approved authorization # and all drs. agreed to be paided by the va. its not my fault XXXX. XXXX XXXX did not submit his billing in a timely matter to his agreement to be paid by the va. since I am a XXXX vet with a hardship below the poverty statis. and I made clear to all drs. who treated me that I could not pay these bills and I even asked to be transferred to the va.to see my own drs. and they told me the va. agreed I should not be moved. this is an ongoing habit at XXXX XXXX hospital of not hearing what the patience is saying to them and XXXX. XXXX XXXX put this bill against my credit report without notifing me first in fact its been on my credit report for some time now. I was also contacted by the billing dept at XXXX XXXX and they said I fell under the hardship forgivness program. if you can help me with this complaint im complaining about. XXXX XXXX XXXX phone # XXXX XXXX XXXX acct # XXXX
I recently opened a checking account with Bank of America. I made a {$80.00} withdrawal XXXX XXXX. A few days later when I went to make a withdrawal my account showed XXXX balance. I knew I should have had around {$500.00}. I call the bank to find out what happened and was told of XXXX more transactions made a few minutes after I made my {$80.00} transaction. I did not lose or misplace my debit card. I filed a complaint over the phone with the bank rep. Bank of America replaced {$800.00} the next day but when my payroll check came in the automatically took the {$800.00} back out of my account. I called the bank and requested to see the film of my account transactions so I could prove that it was not me that made the other transactions. They said ok but never contacted me. Now not only did they take my hard earned {$500.00} but they also show me owing them {$300.00}.
I have an account with Well Fargo Home Mortgage. During the course of the loan, I went through a Loan Modification program. Wells Fargo had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. Wells Fargo is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by Wells Fargo . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted Wells Fargo several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. Wells Fargo is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
With the Equifax hack, there has been no way to contact the company after told I MAY have been involved in the breach. They have made no effort to contact me to tell me if I was or was not included.
My great granddaughter ( XXXX ) was left on my doorstep. I needed find out if she was immunized or get her immunized to attend child care. The granddaughter was personally covered by Medicaid. The doctor accepted the Medicaid and informed the lab but the lab sent me the bill I sent XXXX the child 's Medicaid account information and they persisted billing me, Eventually turning it over to collection. I sent a letter to the collection agency ( attached ) they did not respond and filed multiple failure to pay with the various credit reporting agencies. I am not responsible for the debt. I have seen medical providers illegally by pass collecting from Medicare and badger the person to get more more money for the service than Medicare will pay. I believe that was what happened here.
My wife and I got a HELOC from Bank of America in XXXX that had a 10 year draw period with no interest. Our payments fluctuated every month and reached more than {$4100.00} a month in XXXX. We applied and got approved for a HELOC loan modification in XXXX with our payments reduced to {$1800.00} a month. 
We made the trial loan modification payments on time every month and Bank of America was scheduled to send out a permanent loan modification package. We never received the loan modification package until we asked BoA to send the package again. By the time we received it, we did n't have time to address concern we had with the terms and Bank of America gave us only 3 days to sign and send the loan modification package back. We did n't sign it in time to send back and Bank of America cancelled the permanent loan modification. We continued to make the trial modification payments but Bank of America has n't applied those payments towards the loan because the loan reverted back to the pre-loan modification monthly payment of over {$4000.00} a month. Thus, we are considered past due since the loan adjusted in XXXX. We were told that we had to start a new loan modification process all over again in XXXX. Since then, we have submitted documents to be reviewed for a new loan modification to reduce our monthly mortgage. However, we would rather pay the loan off as it 's a HELOC and we ca n't draw on the loan anymore. Bank of America has placed our loan in foreclosure although we are in an active review for a loan modification. We have sent documents to Bank of America to review just as we did the first time we got a loan modification, but Bank of America is not acknowledging some of the documents or is requesting documents that we already sent.