WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a car in   XXXX  . After purchasing my vehicle through  XXXX   XXXX , I see that ov er 25 inquiries  were processed on my credit report without my authorization. I contacted   XXXX   directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.
Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX what are these accounts. please help me this is ruining my life please.
DOB : XX/XX/XXXXSSN : XXXXFile # XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account XXXXPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Re :  XXXX   XXXX  Account #  XXXX  Experian I would like to dispute the validity of account   XXXX    XXXX   XXXX .   I continue to dispute the validity of this account. I request any and all information use to open this account.I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence?   Thank you Sincerely,
On XX/XX/2016 I became a resident at XXXX XXXX, and had an agreement that only required me to stay in my lease for a term of 6 months without penalty on the 1 year lease signed. 
I turned in my keys after 9 months, and later discovered I was billed for the 12 month leased term. This is severely unlawful and prejudicial as its reflects on my XXXX  credit report. XXXX XXXX no longer are in business and was brought over by XXXX XXXX XXXX XXXX. ( XXXX ) XXXX
I opened new accounts at Chase bank on XXXX/XXXX/2015 and the next day, I closed my account with XXXX XXXX XXXX and made cash deposits of {$6000.00} ( {$3000.00} into my Chase Checking Account and {$3000.00} into my Chase Liquid Account ). 

At a point between XXXX of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, there was a break in at my home and valuables were taken. This matter was reported to the XXXX XXXX on XXXX/XXXX/2015 with report number XXXX. 

I was n't sure if I lost my wallet which had my chase bank cards while I was out, or if it was taken during the break in. 

On the morning of XXXX/XXXX/2015 I could n't find my wallet. I checked my account online and saw that there were unauthorized transactions on both my checking and Liquid Accounts. Then, I went into a branch, same branch where I opened the Accounts, by my house. 

My transaction summary was printed for me at the branch and the Manager of the branch called the back Office on my behalf, and a claim was filled, on XXXX/XXXX/2015 and I was told to wait 1 to 2 business days, for my account to receive provisional credits in the amounts been disputed. 

Today is monday, the 3rd business day. I have n't received any provisional credit from Chase bank, as it is a bank that deceives customers. 

Chase has clamored that the reason for the delay is because it 's a new account. But let 's not forget I knew it 's a new account too, when I closed my account at a strong bank and deposited large amounts into a " new account ''. Nobody knows my pin, the Merchant would not talk to me. I was told to talk to my bank. So what am I expected to do? 

I urge chase bank to honor the words of its members of staff, and issue me provisional credit for all disputed transactions.
Disputed a bankruptcy on my credit report. Bankruptcy shows an address belonging to me that is not on my report. Also, I have disputed the accuracy of the report, as the Bankruptcy court acknowledges that they do not verify to the credit reporting agencies, and the FCRA requires that they verify with the originator of the derogatory item. This information can not be obtained from a XXXX party source. Experian has not shown proof of whom they have verified this information with.
I was stunned when I reviewed my XXXX, XXXX and XXXX  credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought 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 was n't recorded on time.
Tax lien for the state of Michigan. Account was paid more than 4-5 years ago. Equifax is still reporting it as paid recently. Information was sent to them a long time ago with no correction on my credit report. They 've had enough time to get correct information pertaining to this account.
I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times t discontinue threatening me at work with legal Acton and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX and should learn to pay my bills. ''
Credit bureaus all 3 Experian, XXXX and XXXX XXXX would not remove Hard Inquiries when asked.
bank did allow me to withdraw XXXX from my retirement deposit for expenses leaving XXXX in my account now my ss check has been deposited but I cant touch it I owe rent money among other creditors and my credit rating is being destroyed
I received a voice mail from " XXXX '' with Asset Recovery Associates and was advised to call XXXX regarding a complaint to be filed against me, complaint # XXXX. I called back and spoke to a lady representing XXXX and they are debt buyers of a debt in incurred in 1998 with XXXX XXXX. ( I do not recall such a debt and currently have an active XXXX XXXX that is not delinquent. ) Unfortunately I did not get the name of the lady to which I spoke. She did not provide the mini-Miranda during our conversation and kept claiming she was n't " personally '' attempting to collect the debt, only her employer was attempting to collect the debt. She stated a judgment was going to be filed against me in XXXX XXXX, TN ( where I currently reside ), however, after I questioned regarding the legality of the statute of limitations, she claimed she was just asking for a statement from me regarding the balance and denied a judgment would be filed. This business seems to be preying on the least sophisticated debtor with illegal collection tactics.
Debt collection company tried only 2 times in 6 months to send a letter telling me a medical debt from a hospital was with them. I had moved. I was not getting these notices. They said they tried calling me, they had an old number. I received in the mail at my new address a potential judgement from the clerk of courts. I called the debt collection company that of them I had no idea this was going on and I could pay {$500.00} a month til the {$2500.00} balance was gone. Of course it had gone to far. So I faxed the clerk of courts and stated what I just stated. I denied the claim because they only tried twice in 6 months to contact me and that I could and would work out a payment plan with them. Still the judgment came through today. Is this legal?!
RP Funding here in XXXX advertise on radio that they pay for all closing costs. When I called them the representative told me this is true, that they want to help people out. After I gave them all my info to go forward with a home mortgage, I asked so you build the cost of closing costs by charging higher interest rates than other banks. He said yes, so they do not pay the closing costs but just defer them and make more interest from you so they not being up front with you. I did not get the loan because of the dishonesty with this company Thank you, XXXX XXXX XXXX XXXX
American Express wrote me a letter that if I paid my balance in full, they would reinstate my card. They have not done so despite my requests.
On XX/XX/XXXX at about XXXX Eastern, I stopped into the XXXX XXXX branch of Suntrust to deposit loose change that had been collecting over the last year. The teller advised that they do not have a change counter and refused to accept my coins. The teller further advised me to go to a local grocery store to have it converted into dollars. Later the same day, I called Suntrust to discuss the matter with them and to look for an alternative branch ; however, they informed me that it is their policy to only accept rolled coins and they would be of no further service to me.
Bank of America abruptly closed my account and kept my funds.I woke up XXXX XXXX XXXX 2015 only to find out my online banking access was disabled.I then traved to my nearest Atm to try to withdraw my funds only to find that my card has been blocked. I tried calling but all i got was scripted message from the CSR with no real explanation. These are terrible business practices and down right discriminatory.
I feel I was robbed by Navient I owe them over XXXX I did n't even know the terms of the loan or that it was this much until I dropped out of school.
I paid my balance due on a Chase VISA card in full 5 days before the due date. In the following billing cycle, the bank charged interest stating that even though I paid the entire balance before the due date, interest continued to accrue. I spoke with a telephone representative and met with a bank representative in person but they insist the interest charges are appropriate. What 's the point in paying a balance in full if the bank continues to charge interest?
I am filing this complaint because Nationstar Mortgage LLC purchased hazard insurance when my mortgage was transferred from XXXX in XXXX of 2015. I have had continuous homeowners insurance coverage through XXXX XXXX. I have provided proof of insurance to Nationstar, and I am still waiting for confirmation that the hazard insurance payments will be waived. When I call Nationstar Mortgage LLC, the phone bank employees : a ) can not find proof of insurance documents that I uploaded to their website, b ) can not locate documents that were FAX 'd to Nationstar by my insurance company, c ) can not locate the documents that I mailed by certified mail, d ) claim that my insurance has had a lapse of payments, e ) refuse to escalate phone calls to supervisors, and f ) if they have trouble speaking fluent english they refuse to transfer the call to someone who can speak fluent english.
There was an accident on XX/XX/2017 that happened with my father. Afterwards the claim was placed on my name, possibly due to me being a XXXX. At that time, I was nowhere near the scene and wasnt even driving. I got insurance later, around XXXX, and found out that due to a report, I have an accident under my name that I wasnt a part of. I even asked for a police report just to make sure, and sure enough, the information provided to the officer doesnt coincide with me. Just trying to get rid of this accident off of my name in order to go on.
Self lender failed to withdraw the XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.
A few weeks ago (X/XX/2017)) I got a letter from a collection agency telling me that my creditor for my student loan wanted the full amount that I owed them. The last time I heard from this company was in XX/XX/XXXX stating that I owed them $XXXX, which I paid. I have also been paying them regularly ever since. The letter told me that the account was placed in collections on X/X/2017, however I never received any written notification (either by email or regular mail) of the company's intent or options available to me to collect the money owed to them. The letter doesn't even tell me the original company that gave me the loan, therefore I cannot even contact the company to talk to them about the matter.
I had a TD Business Visa card. I canceled it on Monday XX/XX/XXXX. Prior to this I received a letter in XXXX stating that they have been trying to call me to no avail. ( I have received 3 more letters like this ) I was on vacation and there was no message on my telephone upon return. I look on line to see my balance and wonder what they're calling about because I really don't use the card and was planning to cancel it. To my amazement there are charges of almost $ 50K on the card including on XX/XX/XXXX payment reversal of {$27000.00}, on XXXX {$30000.00} payment reversal XXXX payment received, XXXX payment received XXXX XXXX {$3200.00} and another charge for {$950.00}. and list goes on. I called the fraud department immediately and no one seemed to be too concerned. They said someone would get back to me in 24-48 hours. I called after 24 hours and they said 24-48 hours didn't mean days it meant business working hours 3-6 days. Then they asked me if I wanted a new card. I said no I needed to get this resolved. They said they couldn't do anything because they couldn't verify who I was and that I needed to go into a branch. They then said that they just issued 7 new cards ( This was a business account ). I went crazy and ran down to the branch. The customer service rep at the bank could not believe they sent me there and I had her call the fraud line and she couldn't believe what they were telling us. I asked that they cancel all cards and put a freeze on the account ( which they had told me they had done when I called twice before ) as long a I would get something in writing. Today I receive two letters one dated XX/XX/XXXX that said account closed and cut up card but I am still responsible for account balance and future charges. The other letter I received today ( XX/XX/XXXX ) says that I agreed to use the TD Credit card in compliance with ... Unfortunately they're revoking my charging privileges effective immediately for failure to comply.Signed by a senior vice president and then it says this is an attempt to collect a debt. Please help me. My husband and I are upstanding members of the community with a FICO of over 800. The last thing I remeber doing is requesting a credit which I received and when I wanted to cancel they mentioned that I had points and I should use them before I cancel the card. 
Another strange thing happened. I received a call from XXXX asking if I had requested a credit card be delivered to a XXXX XXXX in XXXX XXXX Florida. I said why would I do that? The person said that was why she was calling. Shocked I didn't ask for name incident number. I asked what credit card it was and she said she could not tell me and she would notify the issuer. I do not know if this was ever done, which card was it also part of the scam?
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
I have had multiple issues, most notably with maintaining my loan deferment status. After calling and speaking to two different representatives I was told that I needed to submit the deferment loan forms every semester of my XXXX program. There are a few problems with this. First, the only option is to mail paper documents, which is inconvenient to do nine times ( my program is 3 years long ) and also elongates the process for obtaining deferment approval, without immediate confirmation. In addition to filling out several forms that includes my social security number, my advisor is required to fill out this paperwork as well ( nine times ) and include my class schedule and a stamp from the university that I am still enrolled. After speaking with my advisor, he is dumbfounded as to why this excessive paperwork is required because the loan company checks in touch with the school each semester anyways. He has never heard of such a requirement. My other loan company, XXXX, only required me to submit these documents a single time and even covers my deferment period months past my graduation date. The words I used when speaking to the representatives at heartland were, " I feel like you are setting me up to miss a payment ''. I am currently a full time CRNA student and we do not have any breaks, so there is no reason for me to have to refill out this paperwork. I am busy with 80 work weeks without any income and I am worried about my credit score. They are horribly hard to get ahold of and speak to on the phone to begin with. As a result, I have begun the process of consolidating my loans.
I 'm not able to get a clear explanation on how the Loan Calculations are computed on page XXXX of the Closing Estimate.
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX
I am currently being XXXX XXXX from the XXXX XXXX XXXX after 11 years of service. I have been paying on my mortgage with Fifth-Third Bank for over 4 years, but because they never contacted me that my payments were XXXX dollars short, they claim that I never made payments for XX/XX/XXXX or XX/XX/XXXX. The company had my phone number and my email address ; however, these modes of communication were never used. Somehow they had an incorrect address for me. The payment of XXXX was made on the XX/XX/XXXX and the XX/XX/XXXX. They took these payments and sent them to the incorrect address. They could have sent them to the property address, emailed, or called me, but they chose to report it to the credit bureaus. I am asking that this negative mark on my credit be removed because of the miscommunication, the fact that I immediately resolved the matter once I realized what had happened, the nature of my XXXX, which contributed to the situation, and my consistent record of making on-time payments in the past.
Granite State Management & Resources ( GSM & R ) is the loan service provider to whom I will be making payments for the next 6 years. I believe the company has a practice of purposefully delaying the initiation of loan payments in order to collect more interest on the debt they own. 

In XX/XX/XXXX I completed the required financial aid exit counseling on https : //studentaid.ed.gov/sa/,  and I selected an income-driven repayment plan. I chose this option because, based on the studentaid.ed.gov training, this plan would result in the lowest interest payment over the life of the loan ( saving me approximately {$20000.00} ). I selected the REPAYE plan, and I stated that my income would be {$85000.00} beginning in XX/XX/XXXX. I started working two weeks after graduating, and I was expecting to begin making payments immediately. On XX/XX/XXXX, I received a letter from GSM & R, stating that my loans were in the 6-month grace period, and that GSM & R had placed my income-driven repayment plan request on hold. 

I did n't question this delay, but I should have. On XX/XX/XXXX, I received a letter stating exactly the following, " As you requested, we applied or updated an income-driven repayment plan for your qualifying student loans. Your qualifying federal student loans are on an income driven repayment plan. Your monthly payment amount for qualifying loans will be {$0.00} for 12 months, beginning XX/XX/XXXX. The letter literally said, XX/XX/XXXX. 

When, I called GSM & R and asked to begin making payments immediately, I was told that I would have to submit a request the REPAYE plan again via https : //studentaid.ed.gov/sa/. I did this. Today, XX/XX/XXXX, I spoke with a GSM & R representative who confirmed that they had received my application for the REPAYE plan. They told me that it would be processed in 30 days. 

Based on this experience, I feel that GSM & R is trying to maximize the amount of interest in collects from graduates by nudging them into a position where they delay the initiation of loan repayment for as long as possible.
I attempted to make a purchase at XXXX XXXX online and I mistakenly entered the wrong CVV numbers, which resulted in my card being declined. However, it still out the funds in pending status on my account, making it impossible for me to spend {$170.00}. But I had a different unexpected expense this week that I had to cover with my debit card and my credit card is the only thing I have to get me through this week. 
So I called XXXX XXXXXXXX and they called Capital One, and XXXX XXXX confirmed to them that there arent any pending orders and they wont be collecting those funds. Capital One said too bad, they arent releasing them. I dont understand how its legal for them to hold onto my money when its been confirmed by the merchant that no one will be collecting those funds. I will starve this week and probably be fired because I cant put the gas I need in my car to get to work. This cant be legal.