WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX      XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Please remove these inquiries from my credit report immediatel y
Cashnet USA claims a payday loan which is not mine, I sent it Id theft affidavit, they responded that XXXX my responsibility I filed additional complaints as requested proof of loan docs that they had 15 days to provide and did not, I asked them to remove again XXXX/XXXX/XXXX, and have not contacted me with status and left several voicemail response with no return update
Last XX/XX/2018, I sent a letter to this company as part of my rights to request debt validation. I clearly stated on my letter that I am not asking for verification that they have my name and address. I clearly requested that the account XXXX be verified and validated by providing me debt validation documents. It is now XX/XX/XXXX and MORE THAN 30 DAYS had already passed an I still have not received any proper validation document from this company which clearly is a violation of FCRA and FDCPA.
Wells Fargo refuses to answer my questions. Please see my response to their answer below and they closed the case without responding. CONSUMER DISPUTED COMPANY 'S RESPONSE? Yes CONSUMER DISPUTED DATE AND TIME XX/XX/2017 XXXX ET CONSUMER RESPONSE XXXX XXXX, Senior Correspondent Specialist at Wells Fargo, still does not understand the issue and has provided factually wrong information in the reply. Factually Correct : Yes, I got a call from Wells Fargo ( wire division branch and unfortunately did not note down his name ) saying they were still investigating why Wells Fargo, as the intermediary branch in one transaction, had deducted {$30.00}. Her clearly understood the nature of my inquiry- that Wells Fargo was the intermediary bank and  WF should be able to explain or track down the {$30.00} charge. At NO time did I ever accept and said I understood the explanation- a claim falsely made by XXXX XXXX. Factually Wrong : From the explanation given by XXXX XXXX he/she still puts the blame on the Intermediary Bank. How many times do I have to state and explain that in one of the two transactions the intermediary bank IS  Wells Fargo.  XXXX XXXX, the branch manager and the gentlemen who called me on XX/XX/XXXX understand this clearly. He is looking into to find the answers so this matter is NOT closed and I shall await the explanation of fees charged. The transparency issue still remains. XXXX XXXX is located at the following Wells Fargo Office Customer Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
XXXX XXXX XXXX allowed some one to call in over the phone and create a credit card in my name and then shipped it to this address under my name : XXXX XXXX XXXX XXXX XXXX GA XXXX in the amount of XXXX, XXXX  was the agency that approved the credit card account ; then when I called XXXX XXXX and spoke with a person name XXXX in the credit card department and she told me I had to file a police report and complete all this paperwork and submit and they will f ... dispute the charges. XXXX LA police report number is XXXX ; FTC.gov report number is XXXX. I sent a dispute letter to XXXX XXXX and I froze my information with all the three agencies XXXX XXXX, XXXX  and XXXX for 7 years or longer until I can get a copy of my credit report and see who else have created cards ' etc. in my name since the data breach with XXXX. XXXX would not give me the information like my social security information that the company used to do this with.
NAR INC has a collection account on my credit report in the amount of {$3100.00}. This is a company that I have never had any dealings with this company. I have no contract with this company either. I have asked this company to provide me with a signed contract between them and myself and they have not done so. They need to be removed from credit reports immediately! Thanks
On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, North Carolina State Employees Credit Union , and requested they report a line of credit ( {$500.00} ) to XXXX credit bureau . They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact XXXX  and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent?

This complaint is in conjunction with a previously file complaint against the credit bureaus.

Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home.

A timely response to this ongoing issue is imperative to the concerns of my family and I.

Thank you.
I have no knowledge of the following inquiries inwhich keep being reported on my credit report by the credit agencies inwhich has not given me any substantial documentation of such doing. I'm very aware of what an inquire is and how they get there inwhich seems to be the only response from the credit agencies. The knowledge of what an inquiry is. My next step is to file suit against the 3 credit report agencies for harassment if the following inquiries remain without physical verification. I'm requesting the following to be blocked from my credit report, XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Target Red credit card charged me return fee ( {$27.00} ) for payment return as the checking a/c was closed. I contacted them and explained that it was not the case that I do not have funds but the a/c was closed. They said that they will not reverse. From the website, I found following- '' RETURNED PAYMENT FEE -- You will pay {$27.00} each time any check or other payment order ( including an electronic payment ) is not honored by a depository institution. In any event, the Returned Payment Fee will not be greater than the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. '' It was a return not related to funds but a/c closure so these charges should have not been levied but a chance or atleast notification should have been sent to customer. Since I check my XXXX account every day so I notice that payment has been rejected by bank so I made the manual payment on my own without notification by target XXXX
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
XXXX XXXX said they would not make a hard or soft inquiry if I completed a loan application. I filled it out and did not get a loan. They lied and did report it on my credit and I want to file a complaint against XXXX XXXX for being untruthful and marking my credit when they said they would not. 

Please keep these corrupt companies in line and make them not hit someone credit when they promise they will not. Thank you
Changed payment plan thru fedloan based on income and on the federal service loan foregiveness plan which only counts if you make 120 on time payments. I have had money directly withdrawn every time for the past 4 years even when changing plans. This time they did not withdrawn payment and indicated had to be done manually. I called as I noticed it has not been withdrawn. This was not clear in letters and is misleading. Had I not called, my payment would have been late and I may not have qualified for the plan.
I received my XXXX credit report File Number XXXX dated XX/XX/2018 and noticed it still contained the wrong personal information that they constantly supposedly erase every month. I call them every month to have them remove incorrect addresses and then the next month the addresses are back on my credit report. I asked a representative why did this keep happening he said that he didn't know and that there wasn't anything that he could do. Reporting al of these incorrect addresses is a nuisance. I don't understand why they can not just block these incorrect addresses from appearing on my credit report. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, SC XXXX. Please remove and block this information from my credit file as this is not my personal information. also there is one number that is reporting listed as mine and it is not. XXXX.
They will not stop calling. They call on ave XXXX times daily. Since XXXX XXXX I have record over XXXX attempted calls
Hauge Associates, Inc of XXXX, SD has been reporting false information to credit bureaus for almost 3 years. As of XXXX they reported to XXXX, XXXX false claims of debt owed. On XXXX they filed small claims suit against me in court. I challenged that claim in court and prevailed on XXXX as the judge dismissed the case for lack of proof of their claim.
XXXX XXXX XXXX reported me 30 days late on my auto loan in XXXX. I called in on XX/XX/18 & the representative confirmed I was only 21 days late. I requested to have the information corrected and was told that I would have to send a letter to dispute the inaccuracies. 
I have now sent in 3 letters with no response.
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
XX/XX/XXXX BTC purchase of {$1400.00} Purchase was reversed on XX/XX/XXXX Money was never returned into account. 

XXXX
HSBC Platinum Mastercard XXXX So someone used my card to purchase 3 charges that were placed onto my account XX/XX/2018 XXXX XXXX XXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX More info Select to Expand XXXX XX/XX/2018 XXXX XXXXXX/XX/XXXX XXXX XXXX More info Select to Expand XXXX they refuse to take this as fraud saying i need to file a police report, I filed one in XXXX and sent them the details, no response calling them XXXX XXXX in investigations no response than at the end of XXXX finally got hold of XXXX XXXX in far as investigations, says she needs the police officer handling the claim so I gave her the info. I had to refile the report since it was done online. I received no response from that date to now. I even sent letter to CEO office who sent me a letter back saying i need to handle the claim through officer XXXX, so confusing. They wanted the police to pull the video. I spoke top officer XXXX and he says that its difficult now to pull video and that he has nothing to do with it although he will look more into it. I never made these charges protected by Billing Rights and I seem to get the runaround they have placed the charges as owing on credit report and their statement when it is far from resolved. I never made these charges and I should not be suffering still after 6 months. It is not matter for to be directed to police, HSBC should resolve. This is the letter received by HSBC Dear XXXX, Your email addressed to XXXX XXXX about your fraud claim was referred to my attention. I appreciate the opportunity to provide clarification. 

The transactions listed in your fraud claim were determined to be authorized and your fraud claim was declined. Attached are the documents we received from each of the merchants. 

If you have any questions or concerns, please contact Sargent XXXX of the XXXX Police Department at XXXX. 

Yours sincerely, XXXX XXXX XXXX Vice President Head of Customer Relations XXXX XX/XX/2018, XXXX XXXX   ( 7 days ago ) to me Dear XXXX, Again, we refer you to Sargent XXXX of the XXXX Police Department with any questions about this claim. That said, HSBC respectfully declines to comment further on the matter. 

Sincerely, XXXX XXXX XXXX Assistant Vice President Customer Relations
XXXX / XXXX /  XXXX   Received calls at  XXXX   XXXX  EST and  XXXX   XXXX  from  XXXX . No message left. I am inundated with telemarketers and scams ( and have had several credit card compromises  )  so I rarely answer an unknown call and always look the number up online. I found several comments indicating this was  ARA Recovery  and they were either trying to collect an old debt or and IRS scam. I blocked the number  XXXX / XXXX /  XXXX   Received a call at  XXXX  from  XXXX . No message left. I looked it up and similar comments -  ARA Recovery. I  blocked the call. I bet I 'll get another call from a different number later today or tomorrow.
Our home, had its roof torn off by a tornado on XX/XX/XXXX. My wife and I plus our XXXX dogs ( as well as other residents of the XXXX affected condominium buildings XXXX were evacuated by the police and fire department. We were briefed at XXXX about the situation and sought out temporary shelter for the night. We escaped with just the clothes on our backs. We had insurance for just such a disaster and found shelter. I notified our insurance company of the evacuation that night to start the process of getting a claim number. I notified Chase Mortgage, our mortgage holder, of the situation the next day at the open of the business day to let them know of the situation. I was told by the people at Chase Mortgage that we might be eligible for some type of relief, but that the mortgage would still be due on a timely basis. Aside from no roof being on our condominium, it was discovered that ASBESTOS contaminated the condominium. With the still frequent rains, mold started to grow on the exposed walls, and at one point, for a few days, the buildings were in danger of flooding. Right now, as of Monday, XX/XX/XXXX, we can not live in our condominium, but I have continued to pay my mortgage at the same interest rate as when my wife and I first purchased our condominium. So it seems I am paying for a residence in which we can not occupy, we are rebuilding our home, we lost everything, but Chase Mortgage has not given any relief to us nor offered any help in the rebuilding. Something seems very wrong about that situation. It may be that our home may not be inhabitable until after the first XX/XX/XXXX!
Checked my credit report. I see some of my old accounts that were discharged but so accounts are not showing.
There is an account reporting with XXXX XXXX on my Equifax report and the account is actually past the statue of limitations. The only bureau reporting this is Equifax and they are reporting it as though it opened two years ago. That is not accurate.
The employment info is incorrect. I have never worked at XXXX or XXXX. I 've work for XXXX XXXX for the past 15 years. Not sure who is reporting this bogus info.
FedLoan Servicing has me for a balance of {$200000.00}. I have tried numerous times to get Loan forgiveness as I have been XXXX for the past six years in XXXX XXXX XXXX that are eligible for the loan forgiveness program. I have tried to get my payments reduced based on my income also and each time I get a much higher payment than before. I have both a mortgage and rental expense at this time in order to move closer to work to make a living. I am also a single mother trying to take care of my child. They have now put things on my credit report. I do not know what else to do while I am trying to get it reduced. Can someone help.
1. XXXX received a dividend check in the amount of XXXX from XXXX XXXX XXXX through XXXX and their affiliate bank XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, PA ) dated XXXX/XXXX/2016. 
2. This was deposited to The Bank of OKlahoma ( BOK ) on XXXX XXXX 3. This deposit was returned XXXX/XXXX/2016 bcs according to BOK bcs the check had already been cashed. 
4. I called XXXX XXXX and who sent a letter that the check was cashed XXXX/XXXX/2016. ( 1 day after deposited to BOK ; I assume then that BOK was paid ) 5. Talked to BOK branch employee and submitted check again. This check was returned. BOK says the problem is with XXXX XXXX. XXXX XXXX says check is cashed. 
6. So, our XXXX is out the {$200.00} in dividends. Possible tax on the dividends. And unresolvable issue. 
7. I called XXXX XXXX to give me a letter stating who cashed the check. And they said it would be a {$35.00} fee.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that Equifax continues to report on my credit file : Bankruptcy Case ID # XXXX Equifax listed XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. 

I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax 's so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. 
Thank you
I have nearly {$400000.00} in student loan debt processed by XXXX. In XX/XX/XXXX I had requested to change my income driven payment option from income based repayment to Pay As You Earn repayment. The process placed me in forbearance for greater than 1 year and I had lost XXXX payments toward public service loan forgiveness. I was not informed that this income based repayment transition would take up to 1 year and that my interest would capitialize during the forbearance process. 
I have requested a detailed account of all my payments in XX/XX/XXXX, despite many repeated phone calls I have not yet received my payment audit nor an explanation why I was in forbearance for 1 years for a simple payment option switch. 
Each time I call I am told nothing can be done and to call back in a month. This has been dragging out for over a year. This is unacceptable of a government organization.
This collection agency is harassing my manager at work, as well as calling third party people who I have no association with. This third party is my boyfriends child 's mother. This debt is from 2012, and I have had no association with the child 's mother at the time or at all currently. I have no problem communicating with them however she was yelling at me stating she can call again if she wanted to referring to my manager and the third party. I also asked for a mailed statement and she said she does n't provide those.
Capital One started by charging a late fee when in fact the account was paid on time. I called the XXXX number and the rep refused to remove the late fee, at that time I requested the account be closed. The rep on phone stated that the account was closed but when I pulled my credit report it showed as open also Capital one charged late fees and interest on those fees, in addition they reported the account as not paid ( 120 days late ) to all three credit bureaus.
I have been paying on my accounts with XXXX and the agreement has been to remove the items after they have been paid and on some of my reports this has yet to happen especially months after the accounts were paid.
In XX/XX/XXXX  and XX/XX/2017 I was told that as a XXXX  I qualified for loan forgiveness. Either I called them or they called me, but I was told that I would be forgiven over {$7000.00} if I enrolled in this program. So they guided me through to help me get signed up, I believe that the company was federal student help? They told me that it was an income driven repayment plan, but they assured me several times that my payments would never change. I asked several times to make sure that this was the case and they assured me that that was how the forgiveness worked, pay them for ten years and the government forgave what was not paid after that time period. at the end of the ordeal I was promised payments of {$62.00} for the next ten years. 

I was seriously misled. and I have paid way more in stupid extra fees than I ever would have otherwise.
I paid a medical bill that was in collections back in XXXX, it is still showing not paid on my credit report and the company is unwilling to send me information to proceed with a auto loan. I have contacted XXXX and they are submitting a dispute, but I need this done ASAP. Please.