WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Experian twice, once in XX/XX/XXXX and XX/XX/XXXX. On my credit report it still showing that I owe {$950.00} to XXXX XXXX, XXXX/XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX, ( XXXX ) which is a debt collector for XXXX. XXXX has reported to the three credit agencies that I owe {$950.00}. I appeared in court three times with my supporting documentation proving the bill was paid. I also sent the supporting documentation from my bank listing every payment that was made to XXXX XXXX XXXX, XXXX. I submitted my supporting documentation from my financial institution to both XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. Each time I appeared in court, XXXX and XXXX, XXXX XXXX XXXX, XXXX, Illinois for XXXX XXXX did not know any information about my case, but still made me appear in court three times. On XX/XX/XXXX, the Circuit Court for the 19th Judicial Circuit in XXXX County dismissed my case. The judge, XXXX XXXX dismissed my case and reimbursed me my court fees of {$130.00} by XXXX and XXXX. But the credit reporting agencies still shows that I owe {$950.00}. Also, I filed disputes with all three credit agencies. Two of them removed them, but Experian has not. Experian has sent me information in XX/XX/XXXX and XX/XX/XXXX that their investigation is compete and has not removed this from my credit report, but have not given me any documentation that proves that the investigation is complete. My case number from the court in XXXX County Illinois is XXXX XXXX XXXX filed XX/XX/XXXX. The original amount of the purchase was {$100.00} on XX/XX/XXXX to XXXX XXXX, but the bill was paid for {$950.00} and was paid in full. I would like to file a complaint against Experian, XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX and XXXX, XXXX XXXX XXXX, XXXX, Illinois.
After my grandfather died ( co signer ) I had to put the loan into my name, in order to do so I needed to put my loan on forbearance, to make sure I could make enough money to pay my loan, since my forbearance has ended- my pay check has not changed, I make just as much as I did one year ago. I am able to pay the amount just not at the time suggested by wells Fargo, ( first of the month ). wells Fargo can not change the date because my account is not in good standing, i asked if i could have my payments lowered by at least 20 dollars BUT i make too much money, even after we had discussed my hardship earlier in the year and nothing has changed. the issue is even if i pay my loan and split it up as intended i still get a late fee on top of the interest! AND my credit was growing and now my credit is sky rocking downhill, because i can not make my payments on time when they will do nothing to help me. i am just getting my feet grounded in a great job ( after 2 years out of school ) and it feels that i am falling backwards, almost to the point to go back to school because they will defer my loan if i do so. i just need them to be more lenient on the date i can pay my loan i just need the date changed!!
Concern : I called Quicken to look for opportunities to refinance my home which is mortgaged with XXXX. I was reluctant to permit Quicken for running a credit inquiry but they kept insisting that they will not be able to process until they run my credit report. During oral interview everything looked good and they asked for my consent to run a credit inquiry. I consented reluctantly as I had no choice then. Quicken ran a hard inquiry on my credit history. The hard inquiry shows very good credit history but did not show my XXXX as a lender. It never occurred to me ( and for that matter for any potential customer ) that my loss mitigation application with XXXX, although current with payments ( it may have not shown on my credit report ) and therefore I will be automatically disqualified. 
I am concerned as I was surprisingly never asked any question so that I could have avoided this during the interview. That was not fair as Quicken with few interview questions was quick to run my credit report. When I called to resolve this situation, they on the other hand blamed me for not letting them know. This matter can be resolved. 

Resolving this issue : My credit score has been seriously affected by this inquiry. I am humbly requesting a letter from Quicken to be submitted to the credit agencies to delete the hard inquiry from my credit report. 

Their answer : I apologize for missing your call. I can understand the frustration that was caused by your credit being pulled when we were not able to lend due to your loss mitigation. The credit impact can be XXXX points which can add up if you have multiple inquiries done in one year. The credit bureaus consider removal of credit if the credit was pulled fraudulently. 

Based off our findings, we do not find this to be a fraudulent pull. Quicken Loans obtained permissible purpose to pull credit for the intent of doing a refinance loan. It was n't until after credit was pulled, that discovery was made with the mortgage which would result in Quicken Loans not being able to lend. We share in your frustration that we did n't have an opportunity to lend at this time. However, the credit inquiry would not be removed as permissible purpose was obtained. 


If you have any additional questions or concerns, you can reach me directly ... .. 

My rebuttal : I respectfully disagree with your explanation. My credit report hard inquiry by Quicken Loan may not have been fraudulent because I consented, but note ( can pull our phone conversation records ) that I reluctantly consented as a consequence of introductory questions asked of me before coercion to participate into the credit report check process. 

Please note that my credit score is very good and would have otherwise qualified easily for a refinance and lending. As a unsuspecting consumer such as myself was not made aware for e.g., " loss mitigation '' process, BEFORE running my credit report, lending or not lending would have been out of question. But that did not happen. Unable to lend decision was orally conveyed to me after that fact. 

I am humbly requesting again that the hard inquiry be removed from my credit report. 
Thank you.
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I sent disputes to Experian XXXX. XXXX XXXX XXXX, TX XXXX on XXXX/XXXX/2016. The investigation was not sent to me 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
I applied for a {$250000.00} HELOC. I have stellar credit. My assets and equity each are considerably higher than the loan amount. Everything seems to be fine. I receive a phone call giving me a rather vague explanation as to the reason for the loan declination. Though coincidentally in the days before this, I had revealed in conversation that I was going to visit family and friends in a XXXX country. After some pressing, I was given the ridiculous excuse that our building lacked the XXXX % owner occupancy that TD Bank now stated that they required. That was news to me, as they had gone through every step along the way prior to this. The revelation of this requirement was shocking to me, as this a fundamental point that is discussed in the preliminary stages, particularly in regards to coops. I believe that this alone is an ECOA violation in addition to equal opportunity to minorities. A quick phone call to my buidings management office revealed that our building was XXXX % owner occupied. Not only did TD Bank not reconsider this XXXX % margin, but they have refused to send me the reason for the declination in writing or where this unreasonable prerequisite is stated. TD Bank knew full well that I had waited until they had all of my documentation and they had assured me that all was fine, before I was to submit the application to my building 's coop board, along with the {$400.00} finance application fee they required. Reckless? Criminal? XXXX? We have nearly XXXX apartments in our coop, and a loan of this kind had never been rejected. My more than adequate salary, assets, equity and XXXX plus credit score aside.
I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX
1. I am over the age of XXXX and am a resident of the State of Texas. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. 1. SANTANDER IN REFERENCE TO ACCOUNT # XXXX 2.I CANCELLED MY CAR WARRANTY WITH XXXX, XX/XX/XXXX 3.THEREFORE I WAS DUE BACK THE BALANCE OF {$2300.00} 4.XX/XX/XXXX XXXX REFUNDED THE XXXX TO SANTANDER BECAUSE THEY ARE THE LIEN HOLDER. 5. I HAD A ACCIDENT XX/XX/XXXX, DUE TO THE INSURANCE TOTALED THE CAR AND PAID OFF THE ENTIRE CAR XXXX, BY XX/XX/XXXX. 6. LEAVING THE BALANCE OF {$14000.00}, IN WHICH SHOULD HAVE BEEN A BALANCE OF {$2300.00} LEFT, DUE BACK PAYABLE TO ME THE CUSTOMER, XXXX XXXX THAT IS ME. 7.SANTANDER CONTINUED TO DEBIT MY ACCOUNT FOR THE CAR PAYMENT AFTER BEING PAID OFF, BY THE INSURANCE. 8. SO BY XX/XX/XXXX SANTANDER WAS COMPLETELY PAID OFF IN FULL AND THEY STILL TOOK THE PAYMENT OF XXXX FROM MY XXXX ACCOUNT OF WHICH I HAD TO FILE A CLAIM WITH XXXX TO REVERSE THE {$520.00} 9. SUMMERY I REQUESTED THE {$2300.00} PLEASE BE PAID BACK TO ME FROM SANTANDER, AND TO REPORT ON MY CREDIT REPORT THE CAR BEING PAID OFF IN FULL, AS OF XX/XX/XXXX, MY CREDIT REPORT IS STILL SHOWING XXXX WHICH IS INACCURATE.
Upon checking my credit report in XX/XX/2017, I noticed there was an error in status on one of my accounts. XXXX indicated I had an open collection account. This account is paid in full. I sent a letter to them asking for a correction in status. I received a response indicating the account changed to paid collection. According to my current credit report, this was not done. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not making this correction in a timely manner they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/2017 I sent Equifax a letter asking for validation and proof of my open collection. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX and/or Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my  credit reports.
I am in the process of trying to complete a short sale. The bank is Nationstar Mortgage ( XXXX XXXX XXXX XXXX or XXXX ). I have called them repeatedly and they refuse to give me any information about this loan citing litigation that I know nothing about. They hang up on me each time I request information. They did ask me to call XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), who is representing them for some reason. I called them and they told me they are awaiting some documentation from Nationstar and could give me no further information. They referred me back to Nationstar. At this point I 'm extremely frustrated because I have a buyer for the house. I received a notification from XXXX et al that the foreclosure has been canceled yet Nationstar is not allowing me to move forward with the short sale and has not given me a reason for doing so. I am lost and do not know what to do at this point. They are stone walling me and causing me some duress. I speak to these people and there is a certain amount of glee in their voice. They have the nerve to tell me I 've forfeited my right to any information about this property. That 's unconscionable. They repeatedly have me send the same information over and over again stating that I am missing some document when i know i have sent it. See attached letter. What they are doing is just plain wrong.
I have sent two dispute letters to Santander re an account marked " charged off ''. Both times they failed to mark my account " disputed '' within the 30 day time period allowed by the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). I have USPS certified proof of the date they received my dispute letters as well as dated copies of my credit reports showing nothing about a dispute in the remarks section. They have broken the law and this is my last attempt to avoid small claims court. This is a company with hundreds of complaints against them. They are rude, disorganized and are constantly lying to consumers.
I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XX/XX/2016.
XXXX, XXXX canceled my appt. I exclaimed the termination and they had said not to worry, since I spoke with billing each time " no worries '' w/apologizes, now continues bills from collection agency. I do not owe, they were going to make it the one day retro active..
Bank of America says I owe money for fraud on my credit cards 2 ACCTS I have to pay back they put me in a regulatory debt collection stating I am responsible to pay back 4 years of fraud/identity theft I had no idea about! Help me I need a pro bono attorney to protect me. Can you offer any suggestions? I do not know what to do accounts were made in my name, loans, credit cards ... allot! All my personal info has been compromised! I may have to change my soc sec number, my name. Help me! I already unknkwingly was paying fraud 4years!! Doing wire transfers ectronic mobile wallet or digital opened lots of online accounts made in my name! Income taxes falsely filed in my name! I need an advocate to aid me in dealing with all this. I am XXXX & having a very very hard time. Please I need help!

XXXX XXXX XXXX
Did a order online and NEVER got the order and the amount is still on my credit card a month later
the company PENN CREDIT has called my home on several occasions and it is a recorded message referring to a XXXX XXXX - I sent a fax to XXXX and told this company that she does not, never has and do n't know where she is - to CEASE AND Desist the calling. 

Received on this date XXXX/XXXX/XXXX at XXXX a.m another call from this company - after I sent the Fax to CEASE AND DESIST calling. I just now sent this company another fax to tell them to CEASE and DESIST calling my home. 

The XXXX fax number is to the main headquarters. the address is Penn Credit Corporation XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX
In the past two years, I 've been trying to get my credit scores up. I 'm older now an more responsible. Each month I regularly check my credit score hopping I 'm moving in the right direction to make this happen. Obviously not. My scores rarely change an when they do it 's barely XXXX point. First of all my name is not being spelled right there are inquires that I know I 've not asked for. My work status has n't been updated none. This could be one of the reasons my score is suffering. Please help.
THIS IS REGARDING A XXXX/CITIBANK CARD ACCOUNT THAT WAS DISCOVERED EST. XX/XX/'17 SHOWING BEING REPORTED AS NEGATIVE ON ALL THREE CREDIT BUREAU ACCOUNTS OF MINE. THE ACCOUNT REPORTED IS LISTED AS " XXXX '', WHICH WOULD BE THE LAST XXXX OF THE FULL XXXX ACCOUNT. I DO NOT HAVE TE FULL ACCOUNT NUMBER.. 
In late XX/XX/2017, I contacted the FTC who advised me to send a certified mail letter to XXXX/Citibank that demanded XXXXhat they verify the validity of the account by providing a copy of my original signature for my examination and comparison. I made a mistake demanding the 7-day limit to comply, which should have been instead 30-days. However, the FTC said that it did not matter because XXXXCitibankwould know that if they failed or refused to comply within 30 days, then the regulations force the creditor to immediately .and permanently and completely purge/delete the reporting from all three credit bureaus. 

I also contacted all three credit bureaus rewarding this specific matter, but only XXXX XXXX has cooperated to delete the reporting. XXXX and XXXX only make the statements that " has been verified by creditor, but 'debtor ' disputes ''. That statement does nothing for me in a situation where the account should by FTC regulation have been long ago deleted. I've been fighting this for more than 150 days, much longer than the statuatorilyt required deletion after 30 days after XX/XX/2017 -- when XXXX/Citibank were notified by fax and certified mail.

See the several pages of PDF attachments with yellow my highlighted comments and clarifications.

THIS MATTER IS REALLY DAMAGING ME, AS I HAVE NO OTHER NEGATIVE CREDIT ISSUES, AND OTHERWISE QUITE A CLEAN, POSITIVE CREDIT REPORT. I AM ELDERLY, HAVE NOT FOR 10+ YEARS NEEDED TO USE CREDIT, BUT NOW HAVE A REASON TO DO SO -- -BUT XXXX/CITIBANK AND XXXX  AND XXXX  ARE SERIOUSLY IN MY WAY.
I was in the process of closing on my house. On XXXX XXXX, 2017 a hard inquiry came on my credit report with trans union. I have n't applied for no credit, I do n't need a car and this inquiry came on me. I got a notification from XXXX XXXX and when I seen it was from XXXX XXXX I went up there and talked to the business manager named XXXX XXXX and told her I did n't apply for any car loans. She then faxed a removal to trans union to number XXXX XXXX. I then written to trans union and they sent me a letter telling me about inquiries! I know what a inquiry is and need it to be removed.
i sent a debt validation to jefferson capital on XXXX XXXX 2016, its been over 30 days and i have not received any documents about the account, this is violation of fdcpa i want this deleted from my credit file
Brandsource which is a city bank card. I went to pay off the account.Told them funds was move to my checking account from the sayings account. They show acct paid when spoke to them on XXXX/XXXX/16. Told a rep payment wo n't go though once they put show the balance I would call in a pay it off. Citi bank has hit my savings account 4 times now. Even with me calling them again on XXXX/XXXX/16, XXXX & XXXX/XXXX/16. It is costing me fees. I was told by them they will hit the account as many times as my credit union allows. Since account still show a XXXX balance I have asked for a paid in full letter they would send on and they have n't. I want them to stop hitting my savings account and pay me back the {$75.00} dollars they have cost me in fees.
I obtained a loan thru XXXX XXXX of Prospect Mortgage XX/XX/XXXX. I was referred to XXXX XXXX from a loan officer at Prospect Mortgage in XXXX that I was preapproved with. The loan officer in XXXX was helping me to obtain Down payment assistance and other assistance with the government. I was referred to XXXX XXXX because I switched from XXXX to XXXX and she was supposed to be a loan officer that could help me to obtain all the assistance that the government had to help with the loan. When speaking to XXXX XXXX on the initial call she told me that she was able to offer help thru XXXX Housing and also forwarded me information to help with this. Throughout the loan process she told me multiple times that everything was in place with Indiana housing and the MCC. I was informed 2 weeks prior to closing and assured that everything was in place to get the MCC credit and my loan wa being delayed because of the process for the MCC. I called XXXX Housing to verify that what XXXX told me was true. When speaking to XXXX Housing they informed me that nothing was submittted. I informed XXXX via email. I was informed 1 week prior to closing that the MCC with XXXX Housing that I was told that was setup was not able to be obtained thru Prospect Mortgage because of the company not being approved for this. Because of this XXXX XXXX gave me XXXX options only a couple of days before closing. The first option was to pull out of the loan and not move forward with the house. The second option was to move forward with the loan without the MCC ( Mortgage Credit Certificate ). I chose the second option because Because there were multiple people involved but because I was n't informed until the end that they were n't approved to do t I lost out on a {$2000.00} credit for 30 years which totals {$60000.00}. If I had been informed by XXXX in a timely fashion that Prospect was n't approved for it, I would have went with a company that was.
On XXXX XXXX, 2016 I initiated XXXX balance transfers with American Express. Money was successfully transferred to one bank ( XXXX ), but the second transfer was unsuccessful ( XXXX ). American Express transferred {$1000.00} to XXXX and these funds never posted to my XXXX XXXX credit card. I have waited and waited, and inquired continuously about the funds. Each day, I am told ( by AMEX ) that the check has cleared and XXXX is responsible for the missing money. 

Since AMEX insists that the check cleared on XXXX XXXX, I drove to a XXXX branch thinking I 'd be able to clear up the misunderstanding in person. The problem was still not resolved, as XXXX insisted that all they could do was call their " credit card department '' and inquire. On that day, XXXX said that they do not accept electronic transfers and that they are not holding the money. I phoned AMEX with the new information, but nothing happened. In fact, they 've claimed on two different occasions that they would open an investigation and have not followed through. After supposedly opening the last " investigation '' or trace, I was told that there would be no further investigation because the check was showing in the system as cleared. With each call, however, no one can find any disputes or open investigations on my account. Please note that they have also disabled the " online dispute '' feature for this issue as well. After nearly a month of this back and forth, getting transferred from one department to another, and hung up on, I have decided to file this complaint. 

I have called XXXX and American Express everyday with no resolve. I have asked AMEX to confirm receipt of the check by communicating with XXXX. They insist that the receipt is the fact that the check cleared. As well, I have asked XXXX why they have n't notified AMEX, with regards to not accepting this particular electronic transfer. They insist that I must ask AMEX to trace the funds with their bill pay department. After repeated calls to both companies and no help, I would like to hire an attorney. I am beyond frustrated. Unfortunately, I am caught in the middle of two corporations that rely solely on computers and foreign call centers for all their work.