WillisBack/dataset-financial-user-claim huggingface dataset:
I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call XXXX to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX / XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - Coaf : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XXXX XXXX XXXX - XXXX  XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
This is in addition to the complaint we already have. Complaint # XXXX. Wells Fargo has placed a specialist to handle our case. The problem is that this specialist by the name of XXXX has very little knowledge about our account with Wells Fargo. On a telephone call she claimed that we have filed only XXXX Modification, we told her that it has been XXXX Modifications. She persisted in insisting that it has only been XXXX. How could Wells Fargo place someone over our case who does not have knowledge of our account. We spoke to a XXXX XXXX and he asked if we wanted another specialist assigned to our case, we answered yes. But XXXX XXXX then denied us this opportunity to have someone with knowledge of our account take over. First he offers a solution then denies the solution we ask for.
I received a call from a NP Group claiming I have a unpaid loan from XX/XX/2011. All information they had from me was a mix up of data pulled from my past at incorrect moments in time. This is fraudulent. I will be filing a complaint and a police report. I can not locate the vendor online and the requested validation of debt information was never sent to me. This is consumer fraud.
On XX/XX/17 I received a voice mail from a person who refused to identify himself. He said this is about a " theft '' that I committed and needs to be taken out of my checking account. i called the number listed XXXX, the person that answered said the company is XXXX, and they work with Citibank. He said I need to settle the account or I will be taken to court this week, for theft. My outstanding balance was $ XXXXplus on a credit card and if I pay {$2000.00}, i would avoid court appearance. I told him, I dont have that money, and he stated " Fine, youre going to court '' and hung up.
Midland Funding c/o XXXX XXXX XXXX has actioned in District ct of XXXX, MI civil collection of a debt they have from the date of XXXX 2015 refused to validate under federal law. This company has acted capriciously to collect on a debt not owed and/or validated to be owed and too refused to validate they have right to recovery of debt for third party by being purchaser of the debt by proof of a valid contract of the debt purchase. These actions also violated the consent agreement XXXX XXXX. XXXX -CFPB XXXX by CFPB administrative adjudication
Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
I submitted a dispute to have a  Public Record  removed from my     XXXX   and Equifax credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied , but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.
Received  XXXX  letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with  XXXX  credit Bureaus  XXXX ,   XXXX   and  Experian si nce the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my  XXXX  report which made it seem like I had  XXXX  past due accounts instead of just  XXXX .  XXXX  reports originally showed as follows : Springleaf acct ending in  XXXX  balance {$3600.00} opened  XX/X/XX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened   XXXX     XXXX   acct ending in  XXXX  balance {$3100.00} opened   XXXX     XXXX   XXXX   XXXX    acct ending in  XXXX  balance {$3100.00}.   XXXX   showed both  XXXX  accts the same as   XXXX   but no  XXXX   XXXX   XXXX  accts. Experian showed no   XXXX   accounts but the   XXXX   XXXX   XXXX   showed as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XX/X/XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XXXX . None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from  XXXX   XXXX   XXXX . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed   XXXX   so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against  XXXX , Experian  (   XXXX  ) and  XXXX  (  XXXX  ) on  X/XX/XX  and in doing so  XXXX  deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :  XXXX -  XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened   XXXX   {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XX/X/XX  {$3500.00} which is still incorrect.  XXXX  currently shows-  XXXX  acct # ending  XXXX  opened  XXXX  {$3100.00},   XXXX   acct ending #  XXXX  opened  XX/X/XX  {$3600.00}. Experian currently  shows-   XXXX   XXXX  acct ending #  XXXX  opened  X/X/XX ,  XXXX   XXXX  acct ending #  XXXX  opened  XX/X/XX  Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.
This dept is not mines. I have disputed over 5x but it is still on all 3 of my credit reports. I also have reported this collection acct to the FTC. The address listed for the collection acct is not my address nor has it ever been.
I hired a service provider to develop a website for me and this never occurred. I then contacted the XXXX credit card company 's ( I paid the bill using XXXX credit cards ) and told them about the situation. Both credit card companies opened up disputes and XXXX credit card company XXXX citibank XXXX after 90 days said that they could no longer offer me assistance because it was past their time frame. The other company XXXX XXXX XXXX said that no billing error has occurred and that the merchant has shown that all billing information matches my information and that I was working with the merchant for website development. Obviously this is the case, since I hired them and gave them my credit card information. I gave XXXX credit card companies ( Citi Bank and XXXX XXXX all of the information that I could. CitiBank is trying to hold me accountable for almost {$2500.00} and XXXX for almost {$1500.00} I called the merchant and they too, are unwilling to help me with the situation.
I opened a checking account at Bank of America and elected to not have overdraft protection. About XXXX months later they covered a debit card overdraft for less than XXXX dollars and charged me XXXX dollars. I contacted them by telephone and explained the situation, they reimbursed my account and I was satisfied. Then XXXX months ago they hit me again for XXXX overdrafts.This time when I called them I got the " POLICY '' run around and they refused to reimburse me. Can an institution violate terms of a contract by declaring a " POLICY ''?
I was billed for merchandise that I did not receive. Initially credit was issued for the charge. Now I have been recharged two times for the merchandise that I did not receive, and the credit card no longer responds or even recognizes my complaint.
XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to XXXX XXXX. XXXX XXXX accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a XXXX day period in which XXXX XXXX agreed. I called XXXX XXXX, XXXX back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from RPM ( Receivables Performance Management collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, XXXX XXXX, XXXX. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.
GM FINANCIAL is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. GM Financial has received notice through The BANKRUPTCY COURT CLERK, on XX/XX/XXXX stating a Chapter XXXX was filed, and on XX/XX/XXXX a signed order by the judge was sent stating all debt was discharged. To date GM Financial never responded, never appeared, and never rebutted the fact they are a debt collector.
HSBC credit card XXXX XXXX XXXX this is the cc # i filed a complaint and received a letter from them stating they were refunding my credit and closing the card, i never received the refund and they continue to send statements. i received a letter that you closed the complaint but i want to reopen it
TCF bank has charged me {$1200.00} in overdraft fees in the last four months. The reorder of debit card transactions causes them to be able to charge several fees. Most banking institutions no longer practice this abusive way of taking advantage of their customers. XXXX  XXXX XXXX does not do this nor many large banks. I have been a customer for a very long time and do not want to have to switch all my bills and direct deposits around. I want my money back as this is extremely excessive!
I was trying to add a new number to my Coinbase account since my att account was suspended and I got a new number.I called their customer support on XX/XX/18 at around XXXX for help. The rep told me to reset my password and in doing so I was locked out of my account for 2 weeks. They said someone would contact me so I could get my new number on their but that never happened ( what a surprise ) .only way I could access to my Coinbase account was to restore my old number so I payed {$270.00} to get my service back. When I was able to get back into my Coinbase account I was not able to buy or sell and all the stuff I verified was no longer valid. I was planning on using the money in my Coinbase to replace the {$270.00} I had to spend but I cant. Ive been going through financial struggles and cant even get access to MY money because their rep gave me bad information and now Im the one that has to suffer. Im tired of companies like this taking advantage of hard woriming people like me. I have 9.5 litecoin which is worth about {$700.00} at the moment and thats money I really need. Ive called numerous times but their customer support is useless if their rep had never gave me that information I wouldnt be in this situation its really messed up I have to go through this but they can make a mistake like this and walk away scotch free.
On  X/XX/2017    at  XXXX   XXXX  I went t o the drive up of Wells Fargo Ba nk to deposit a check, and cash  XXXX  additional checks. I have banked at this same bank and branch for years, have  XXXX  accounts and a safe deposit box. I presented a photo drivers license and my AT M Wells Fargo c ard. I was told by the teller and the head teller id #  XXXX   XXXX  and  XXXX   XXXX  that my ATM card could not be used as an ID because it did not have a VISA LOGO on it. I was asked to present a VISA CARD for the transaction to be completed or did I want my checks back, or come into the branch to apply for a  WELLS FARGO VISA C ARD. As this upset me first because I can not walk at times, and secondly did not understand why t he Wells Fargo A TM card was not for ID.     I have watch ed the Senate hearings about Wells Fargo tryin g to push their products, know the CEO was fired for their marketing abuses, and I know my rights as a customer. I have never received a disclosure fr om Wells Fargo adver tising the use of the ATM card not being accepted as an ID. When I asked the banking reps the reasons for the ATM card not being accepted, no one could give me an answer.     I gave my  XXXX  VISA CARD in order to complete the transaction. I want to know what the teller did with my card, did she photograph it, make a paper copy of it, write it on the back of the checks, no one could give me an answer. I asked to see the bank policy in writing again, there is no follow up or answer.     The  Wells Fargo store nu mber is  XXXX ,  XXXX   XXXX   XXXX   XXXX   ,   XXXX  , NJ  XXXX  I wrote a {$500.00}. check on my checking account, cashing a NJ Treas check for {$110.00} and deposited a company check for {$6700.00}. There are liquid funds in the  XXXX  accounts to cover these checks. transaction number  XXXX  teller  XXXX , transaction  XXXX  teller  XXXX .     Subsequently I executed a presidential complaint, received three calls from various supervisors who stated they would send me the bank policy, and no one has gotten back to me about my  XXXX  VISA CARD account number where was it dispersed, what is the teller training regarding a competitors credit card, and no apology in a letter from the bank. I want to be added to the class action suit that the bank is currently experiencing for refusing to conduct my transaction without  a WELLS FARGO VISA CARD.
As a law-abiding XXXX owner have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those of us hoping to obtain financing for such things as home. auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.
I have been paying XXXX separate student loans to Navient since approx 2008. A couple of years ago, I increased my payments to almost twice the amount per month in order to pay the loans off more quickly. My intent was to pay the higher-interest loans first. I was told by Navient that " they did n't do that and all monies would be applied equally to all XXXX loans. '' At this point I am XXXX y.o., plan to retire in a couple of years, and I 'm still saddled with significant student loan debt. The original loan was for {$39000.00} and the balance now is approx XXXX. After all this time I 've only paid {$2500.00} towards the principal? Also -- I work in XXXX and applied for loan forgiveness but was denied because of the type of loans. I could really use some guidance here, either from you or a recommendation as to whom I can seek counsel. Thank you.
On XXXX XXXX XXXX, I XXXX XXXX was a guarantor for my daughter XXXX XXXX XXXX attending college ) for an apartment at the University XXXX XXXX in XXXX Ms XXXX The rental agreement that we applied for and completed a notarized document was for was for 1 year lease from XXXX XXXX, XXXX XXXX, XXXX. XXXX did not move from XXXX XXXX XXXX XXXX after the first year and she extended the lease for another year immediately after for XXXX XXXX, XXXX thru XXXX. Months later, I noticed a {$2800.00} debt on both our credit reports. I have disputed the debt for several years explaining I did not renew a contract nor did I sign for another lease in my name after the first lease but National Credit System nor the Credit Bureaus removed the debt. On XXXX XXXX, XXXX, I sent a certified letter and requested a letter of authorization for the debt owed by XXXX XXXX XXXX XXXX. The documents I recieved from the National Credit Systems were inaccurate and falsified. I did not relieve the lease that we both sign but instead I was sent a lease contract dated XXXX XXXX, XXXX thru XXXX, XXXX, a period that me nor XXXX never sign for. Here are a list of inaccurate item in the contract. 
1 ) The lease contract was not filled out by XXXX nor myself. It 's in someone else 's handwriting and the Guaranty Information at the top of Guaranty page was not completed by me. 
2 ) The starting date on the new contract do not coincide with the date of the original lease from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 
3 ). The date on page XXXX of the contract was changed to XX/XX/XXXX. Why would anyone sign in XXXX, XXXX to rent an apartment in XXXX XXXX. 
XXXX ). The notary signed by XXXX and myself was signed XXXX XXXX, XXXX for a lease dated XXXX XXXX, XXXX XXXX, XXXX, XXXX. This notary was attached to the new lease dated XXXX XXXX, XXXX thru XXXX, XXXX XXXX. 
5 ). The Residents Transaction inquiry detail show for months outside of the contract date, Also on the transaction page it showed she was a previous tenant. Where is the previous contract? 
6 ). There are no transactions to show charges and amounts paid from the beginning of the original contract ( with XXXX an last months rent deposit ). 
XXXX ). The move in condition form was dated XXXX XXXX, XXXX. Which was the date she first moved into the apartment. 

I did not sign nor did I agree to attaching the original notary with my signature to a new contract nor was I informed that this would be done. After carefully looking at the XXXX XXXX XXXX contract, I recognize that the XXXX XXXX contract was completed by taking pages from the original XXXX XXXX contract and inserting pages with our signature to forge a new contract. 
Please investigate this matter!
It started here ( an email from XXXX XXXX formerly Nationstar Mortgage ) ( begin of email ) OnXX/XX/XXXX we made your Hazard Insurance payment of {$3300.00} to XXXX XXXX XXXX XXXX XXXX. Our next payment for this is scheduled for XX/XX/XXXX.
Just letting you know. There 's nothing you need to do.
Best, Your friends at XXXX XXXX ( end of email ) The problem is that I have TWO properties covered by XXXX XXXX XXXX XXXX, and XXXX XXXX mistakenly paid the Hazard Insurance premiums for BOTH properties ( which they have managed not to do in the past ). I opened a case with their customer service, and after a month, all they have managed to do is send me case information for another one of their customers. Someone is asleep at the wheel here. ( I 've attached the file they sent me. )
Following a Delta Sky Miles offer I was given a Delta American Express Gold credit card in XX/XX/2016 with a credit limit of {$2000.00} whilst unemployed ( which I disclosed ). I subsequently got a minimum wage job but could not afford to pay off the balance. Every time I reached my limit American Express increased the credit limit despite the fact I was only paying the minimum. The authorized limit went from {$2000.00} to {$6000.00} to {$12000.00} and to {$15000.00}. Even on the {$15000.00} limit they allowed me to go close to {$17000.00}. In XX/XX/2016 my salary was gross {$22000.00} and today it is {$30000.00} but I am struggling to pay the debt down. 

I contacted the American Express Gold Card department several times and was literally laughed at when all I wanted to do was to find a solution to my issues. They offered no support or advice. As a last resort my father spoke to the Platinum department and was treated in a similar manner. 

I am still paying the minimum and see no way out of this situation. I do believe this is predatory lending and unacceptable.
I HAVE FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX XXXX # XXXX DATED XX/XX/2018