WillisBack/dataset-financial-user-claim huggingface dataset:
I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries  removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.
This is reference to Case number : XXXX. I sent a letter to Synchrony Bank requesting that they accept a {$500.00} payment to completely resolve this debt. I made a payment last month of {$750.00}. Over the course of 5 years, I 've made over {$3000.00} in payments on this card which thousands more than what was actually charged on the card. Synchrony Bank/Care Credit preys on the poor and offers quick solutions with unbelievably high interest that results in lenders staying in a cycle of never paying down their balance. When you 're told that you need XXXX done and you ca n't afford but there 's this card with no interest for the first 6 months, it sounds like a great idea. Had I known what I know now I would never have signed up for this card.
Equifax was contacted about XXXX Bank assesing my credit file on XXXX/XXXX/2014. I told them that I had not applied to this business for credit. Please see that Equifax remove this hard inquiry from my file. Someone should be fined for assesing my credit without my permission.
I have a checking account with Wells Fargo. I wrote checks to my cleaning lady and she deposited them electronically to her bank account. Subsequently, she walked into Wells Fargo and was permitted to cash the check ( for a second time ). This occurred on at least XXXX occasions.
This company has called family, friends, and acquaintances trying to reach me. I have called back and when I refuse to provide my social security #, they say that I will be arrested at my work before the end of the day. I asked them to send me documentation that I owe them something and they state that they do not have to do that. Again, telling me that if I do n't provide a payment while on the phone, I will go to jail. They have even called family member of my family members who do n't even know me.
I received at Citicard Visa card when Costco changed from XXXX XXXX. I have not, in two months received a bill and can not pay it. I have misplaced my card so they will not send me an emailed bill. I am waiting for a replacement card to be sent to me.
I owed a credit from XXXX. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XX/XX/XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, XXXX XXXX still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually XXXX will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.
Dear Sir/Madam, I already complained about BOA about a issue to cfpt ( Case number : XXXX ). The BOA contact person named XXXX ' is in touch with us about the inquiry. She is repeating the same complaint whatever I complained about the BOA. BOA is not acknowledging the fact that there is a wrongdoing in the process of account opening. 
I went with the intention to get a promotion by opening account. If I am not eligible ( actually I am eligible which is my previous complaint ) they should have let me know so that I would n't have opened the account and end of story. Now my account was opened and I wasted lot to time to track this. 

1. I am looking for action from cfpb to stop this wrongdoing from BOA side. 
2. I am looking for compensation for wasting my time to track and expose this. 
Here is the case Id with bank of america # XXXXOur BOA Business Checking account # is XXXXXXXX XXXX ( XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX i spoke to someone 3 different times & i was told prior to the XX/XX/XXXX call they certain inquires would be removed & i called back today to see why they were still there & someone told me that they were never disputed like i was told it 's hard for me to get credit because of theses & i did n't appreciate getting lied to -equifax
WAASSOCIATES ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX 15 years in business XXXX XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WAASSOCIATES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WAASSOCIATES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I contacted Quicken Loans to refinance my FHA mortgage. I was told that I could refinance into a conventional loan with no PMI if I qualified. I said that I estimated my home to be in the {$300.00} 's but that I was not actually sure how much it would be appraised for. I was told that I had to have XXXX % LTV to qualify for the conventional mortgage and it needed to appraise for {$310000.00} to do. After this conversation, I followed up in an email to this representative that confirmed the new mortgage payment amount and closing costs if I qualified. He responded that those amounts were correct. The appraisal was under-researched and, in my opinion, worthless. The appraiser did a " second-look '' and came back with a higher amount, though he did not account for the properties that I sent him that were more comparable than the ones he was using. There was no reason given as to why those properties were selected rather than the more comparable ones I sent. I have been sent multiple " Redisclosure Packages '' throughout this process and each time, the mortgage payments and closing costs increase. The final package reflected closing costs that were double ( {$15000.00} almost ) than I was originally told/confirmed. There was no explanation as to why these doubled. It felt as though Quicken Loans was trying to hide this and slide it past me before I went to settlement. This process has been deceptive from the beginning. I have been told that I will not get the refinance at the terms originally offered and I am now out {$500.00} for a unusable appraisal, which Quicken Loans also refuses to refund me. This has been a month of my time and money wasted.
The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX   XXXX, XXXX  ( XXXX XXXX XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ) ).
Equifax failed to maintain proper security for the extremely personal information of millions upon millions of people. I was one of those people and now all the information you need to be identified as me is out there in someone else 's hands. I now have to live with the fact someone could use my information to open bank accounts ect. and there is n't much I can do about it. For the rest of my life this will be a possibility and not because of negligence by me but because a company entrusted with such personal information failed to protect it.
I originally felt that I had to pay this, but have since been informed that medical debt is n't supposed to go to collections. Plus it 's been 6 years and it 's still effecting my credit score negatively.
Ace Cash Express has sent my non-payment to an attorney 's office and are trying to make me pay it back right away or they are filing a criminal case with the county I live in for fraud. I never committed check fraud. I gave them my banking information online when I applied and was approved for the loan, I was laid off and did n't have the money in the bank when they went to withdraw the money ( payment amount ), I did n't intentionally not have the money in the bank. I did not write them a bad check at all and I do n't want to have criminal charges filed against me.
In the process of refinancing my home and title company receives a demand for payment from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX   only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking. 
The letter they sent to title company provided a case number for judgement lien, which I checked with the court CMS system and its for a case where the " lien '' garnishment was released after Chapter XXXX  was filed. They misrepresented information sent to XXXX XXXX.!
My issue is that there are no regulations for how electronic checks should be processed. We used to have a checking account with XXXX and when we would make electronic payments through our bank checking account money would be debited on the date that the payment was being made XXXX if it was electronic XXXX or XXXX days prior ( if a physical check was being mailed ). All that sounds reasonable. When XXXX was purchased by Wells Fargo they changed the terms so that electronic payments were debited several days earlier ( 3 days ) and physical checks were debited XXXX days before they were to have been received. We complained to Wells Fargo as it was outrageous : They were taking money out of my account early and then earning interest on it for a few days before they sent it off. I might be willing to give them a little bit of slack if it was only for physical checks, but it makes no sense for electronic payments to be debited days before Wells Fargo was actually paying the bill. We switched our checking account to XXXX. They do n't do this. At least not right now. This behavior should be regulated.
I lost everything in the real estate fiasco. Back in XX/XX/XXXX i had amazing credit but as a single mother had to move to support my kids. 1 ) They were still reporting that i was the owner of my house in XXXX   ... XXXX XXXX, XXXX, XXXX. It was sold in XX/XX/XXXX or XX/XX/XXXX. When i bought in XXXX state, i was sold a lemon of a house. My children and i lived without basic necessities ... no plumbing-no way to bathe with XXXX kids, youngest only in XXXX grade. We experienced power surges that blew out my oven and washer and dryer. I was paying close to 2000 a month in mortgage and amassed 8 years of documentation. The real estate agency and agent knew of the situation. I complained and then sought mortgage help. They expected me to continue to pay the same. I took it to court and submitted all the paperwork to no avail. The attorney did not submit my paperwork so i was told to sit down when i rose to object to my treatment. I have tried to go to XXXX State Attorney General, all the FED agencies. I lost my house in XX/XX/XXXX, penniless. I moved to Public housing in XXXX. I was diagnosed with XXXX in XX/XX/XXXX. I have a XXXX degree and am considered an expert in my field. The time i tried ALONE with no support to rectify the issues left me physically ill. I have way too much information to share here. The former owner never was held accountable for their illegal activity, nor was the agent or agency who were well aware of how my family wad forced to live. Please contact me if you take me seriously at all. I am not putting out any more energy to repair credit that was destroyed by the establishment and their unwillingness to stand up for me.
I had a car payment with Credit Acceptance Corpration. I was never late for years until I got a job transfer to New Mexico. The Credit Acceptance Corpration did not help me they made me feel I was a dead beat consumer. They finaly repo the car because I didnt want it anymore because there poor customer service and i paid them over {$10000.00} in intrest and fees and I still owe {$8000.00} and the car is only worth {$4000.00} I feel this is unfair and want them to renegotate the terms.
XXXX, Equifax and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why XXXX especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with XXXX was XXXX and contained XXXX XXXX XXXX hard inquiry. On XXXX XXXX, 2016, for whatever reason XXXX XXXX ), XXXX lowered my score by ( XXXX XXXX points? and added XXXX XXXX XXXX hard inquiries to my file? Equifax and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against XXXX for the identical conduct and they corrected my record. Sadly, XXXX did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.
XXXX XXXX XXXX contacted me saying they represent XXXXXXXX XXXX XXXXXXXX XXXX. they said i owe XXXX to XXXX. I have never had an account with XXXX, even though they gave an account number.. I looked up XXXXXXXX XXXX XXXXXXXX XXXX on the net, your article came up about fraudulent charges. I have decent credit and I do not want this to ruin it. thank you
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME. IT STATES I AM CO-SIGNER ON A VEHICLE AN THIS IS NT TRUE AND INNACURRATE I NEED THIS REMOVED FROM MY CREDT FILE IMMEDIATELY
He identified himself as a lawyer from XXXX, XXXX XXXX XXXX. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed Advance America {$310.00} but I never had a loan with Advance America. The payment arrangement he would make today was {$180.00} to consider the case closed or XXXX payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.
Had a bathtub flood at home. Insurance paid out XXXX but held by RCS until they could approve/prove work done. THEIR CONTRACTED INSPECTORS HAVE NEVER CALLED TO SET UP CHECK OF WORK! ca n't continue/finish work until they do without losing my insurance payout.
I did n't give them authorization to run my credit on XXXX XXXX 2015 I sent them numerous letters and no response
XXXX XXXX XXXXXXXX is coming after me for a loan that I received online. the rates where not explained until I had already signed for the loan. I received {$1300.00}. They were expecting me to pay {$600.00} a month for 26 months anything but ridiculous. I tried to discuss this with them and give them their money back with no luck. They want you to default on the loan so that they get 15 times as much in interest. Receiving harassing calls at work and at home. Talking about garnishing my wages. This can't be legal. No one should be able to take {$15000.00} over a {$1300.00} debt.
XXXX XXXX is the company that handles my XXXX XXXX XXXX XXXX XXXX payment account. This was set up about a year ago. Each month, approximately {$3000.00} is deposited into the account in the form of XXXX XXXX XXXX  benefits. On XXXX XXXX two deposits were made and by XXXX XXXX approx {$2700.00} had been electronically transferred to another account. This was an immediate transfer and was NOT authorized by me. I believe there was a breach in their security. I have tried for days now to get XXXX XXXX to work with me on this. I wait for approximately 20 to 30 minutes to get a representative. Once I get one they say that they will transfer me to " level 2 '' and I am then disconnected. I have spent approximately 4 to 5 hours on the phone and they are telling me that other than continuing to call back there 's nothing they can do for me. My account has been completely wiped out. I did not authorize this transaction and the company is making zero attempt to help me resolve this issue. I 'm unable to pay rent or bills until they help me resolve this. The only thing they have done thus far is cancel my account and tell me it 'll be at least 10 days until a new card comes in the mail. In the meantime, I do n't have access to anything.
I purchased a XXXX Cadillac CTS on XXXX XXXX, XXXX with my daughter. On XXXX XXXX, my daughter made the first payment of {$200.00} by money order. On XXXX XXXX, XXXX, the collections manager began calling and stating that the account was past due. I disputed his statement by stating that the first payment was made in full. On XXXX XXXX, XXXX, the collections manager called again and stated that if the account was not brought current that he could " not secure the loan. '' I again told him that the first payment was made in full by money order. The collections manager repeatedly argued with me and stated again that he could " not secure the loan. '' On XXXX XXXX, XXXX, when I exited my workplace at XXXX, the vehicle was not in the parking lot where I left it. I immediately called the collections department at XXXX XXXX and the party who answered hung up on me. I called back a second time and my call went to voice mail. I presumed the vehicle had been ordered repossessed by the collections manager who argued with me on the week before. After filing my complaint with the Arizona Department of Financial Institutions referred to as AZDFI by XXXX, I was provided a copy of my account history. The record indicated that I did make my first payment by money order # XXXX in the amount of {$200.00}. However, the employee who accepted the payment recorded it as {$87.00} leaving a balance of {$110.00} on the account. The incorrect entry upon my account made the account appear delinquent when it was not. My vehicle was ordered repossessed even though my account was not delinquent. The owner of the company, XXXX XXXX, conspired along with his collection manager to endorse their illegal actions as a valid repossession. The company also retaliated against me and my daughter by reporting the false information to the credit bureaus in violation of the Fair Credit Reporting Act.
I was contacted by mail that I was a part of a class action lawsuit brought against Chase. 
The details are the case has been settled and I never received my portion from the settlement. I have contacted several organizations related to this case and have not received a response. 
To compensate the estimated 50,000 XXXX and XXXX  borrowers who paid higher rates and fees than similarly situated white borrowers, CHASE has agreed to create a settlement fund in the amount of approximately {$53.00} XXXX. CHASE has further agreed to retain an administrator  to manage the settlement fund and to locate borrowers who may qualify for compensation. Borrowers who are XXXX XXXX   and/or XXXX and who obtained a mortgage through CHASEs wholesale channel from XX/XX/XXXX through XX/XX/XXXX should be contacted by the administrator in the next several months, or can contact the United States Attorneys Office directly, by contacting the Civil Rights Complaint Line at ( XXXX ) XXXX, using the Civil Rights Complaint Form available on the United States Attorneys Offices website http : //www.justice.gov/XXXX or by sending a written claim
After the Equifax security breach I signed up for the free one year TrustedID Premier credit monitoring. I received the email to enroll on XX/XX/XXXX. I attempted to sign up that day and received an " enrollment error '' and a message to call XXXX. I called that number and waited on hold, provided my info and was told that it was the wrong dept and to call XXXX. I called that number and waited on hold, provided my info, and was again told wrong dept. I was then provided XXXX. That number too says they are the wrong department and suggests calling XXXX ... the number I began with. 

I called back the next day and encountered the same ordeal. I also have called back today, XXXX XXXX, and experienced the same thing. So after XXXX hours on the phone total I am no closer to being able to use the credit monitoring. 

Equifax is responsible for releasing my credit/financial information without my permission and is now failing to uphold their offer of a year free credit monitoring by putting consumers in a never ending loop.