WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, exactly at the same time over 5 hard inquiries appeared on my Equifax Credit Report which clearly did not belong to me. I called Equifax locally and spoke to someone, I placed a dispute in their website and called the national phone line. All of these I tried more than once without success. XXXX XXXX and XXXX  did not reflect this problem. This difference causes a 100 point difference between Equifax and the other bureaus. In the beginning of XX/XX/XXXX I was forced to buy a new car when my older car was damaged in a parking place while I was not in the car. Due to Equifax, I was forced to buy at a higher interest rate.
See my complaint under feedback from another complaint. U.S.Bank result are unexceptionable.My closed complaint XXXX result are unexceptionable.
This medical bill should not have been sent to me but instead to the   XXXX   XXXX    XXXX   XXXX   in  XXXX . It was related to some medical evaluations the   XXXX    sent me to after   XXXX   XXXX  . As a  XXXX , this location was selected by the  XXXX  as it was closer to my residence. I gave all of this information to the imaging center as to WHO IS TO BE BILLED at the time. After I somehow received a bill anyway, I advised them again as to where to send this bill and also brought a bill my   XXXX   XXXX   in  XXXX , who apologized and said they would take care of it. I do have some names to provide of those involved with my case and care, such as the   XXXX   XXXX   XXXX   who worked closely with the  XXXX , and the   XXXX    medical reps at the time, as well as others such as the   XXXX   XXXX  . Additionally, I am also currently a   XXXX   XXXX   patient receiving care at  XXXX  for these injuries.
I had to consolidate my loans early to avoid the misdispersment of my payments, also I 've requested smaller payments and they offered hold for 6 months instead and e-mailed me the info. I pay {$200.00} payments a month and somehow am still seeing my loan balance on my credit steadily increasing {$200.00} on average every month just due to interest which is ridiculous. I actually failed a few classes due to a XXXX and was denied when I requested additional grant and loan assistance. I also know my grades were incorrect in many cases due to a XXXX link issue at XXXX. My midterns and projects and homework were n't showing up as completed when I absolutely did them. I am near a XXXX GPA student even WITH XXXX full time quarters failling in all my classes. It is unjust and I hope to be compensated for my hassle and suffering. I am a single a parent and XXXX in need of a college degree to obtain a decent career and job.
I HAD A COURT CASE IN XXXX XXXX IN XX/XX/2016 ME AND MY WIFE WERE THE DEFENDANTS, WE MADE ARRANGEMENTS TO MAKE MONTHLY PAYMENTS OF {$350.00} A MONTH, THE JUDGMENT WAS PAID USING MONTHLY PAYMENTS OF {$350.00}. THE BUSINESS WHICH TOOK US TO COURT HAS OBTAINED A JUDGMENT OF {$800.00} AGAINST US BUT WE WERE NEVER NOTIFIED, NEVER AS IN NEVER, NO LETTERS, NO PHONE CALLS NOT EVEN COURT SERVICE FOR COURT PAPERS WERE NEVER EVER DELIVERED OR SENT TO US, WE ARE GOING TO REQUEST A MOTION TO QUASH FROM THE COURT. THIS BUSINESS HAS NOT ATTEMPTED TO CONTACT US AT ALL TO COLLECT THE ALLEGED DEBT WHICH WAS PAID OFF AND WE BECAUSE WE HAVE BANK STATEMENTS PROVING PAYMENTS WITH CASHIER 'S CHECKS THROUGH XXXX XXXX  XXXX.
XXXX/XXXX/2015 CFPB helped resolve an issue with a credit reporting issue from XXXX XXXX. You provided me with a letter response from XXXX XXXX with accurate information which I sent a mailed dispute and copy of letter to each credit bureauXXXX TransunionXXXX. XXXX corrected the information, however Transunion is refusing to correct the information. They have a copy of the letter, but are still refusing and are stating they need a newer copy of the letter, even though it is dated XXXX/XXXX/15. 
This has severely impacted my ability to refinance my home.as rates are now rising. 
I would like to have this investigated as to why they are refusing to correct an error that has been sufficiently documented it is an error.
Attempted to get a free credit report for me and my wife from Transunion. Not realizing that the proper channel was through XXXX, I signed onto the Transunion web-site. Their system is extremely deceptive in that they do not notify you that you are signing-up for a monthly subscription service at the rate of {$19.00} per month per individual. When I received emails confirming the subscription and the rate, I called Transunion to complain. The agent I spoke with indicated that they would cancel the subscription and issue a credit for both my wife and I. I was notified by email that the subscription would be cancelled effective XXXX/XXXX/XXXX but we have not received a credit to our XXXX account. Bottom line is that my wife and I were both deceptively charged {$19.00} for a subscription which we never wanted, spent many minutes on the phone trying to sort this out and in the end, they failed to issue credits as they said they would on the telephone.
I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. They were taken off in error and the creditor said they are STILL reporting it. It is on EQUIFAX now to add It back. Thank you! This is becoming very serious! 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts. 

They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.
On or around XXXX/XXXX/XXXX my personal information and credit history was released to unauthorized unkown persons due to negligent security by Equifax. As a result, I am now at risk for fraud. I have contacted Equifax to determine if any immediate fraud has been committed and was unable to receive an electronic credit report due to unexplained circumstances. I have begun the process of requesting my credit report in writing from Equifax.
I would like to file a complaint againist Navient formally XXXX XXXX. I went to school at XXXX XXXX XXXX of XXXX. My original loan was for {$35000.00}, now the loan {$100000.00} and climbing. We thought we paid {$17000.00} through a chapter XXXX bankruptcy which was to go againist the princle only, which did n't happen. A Navient representative say went toward interest only. I have XXXX student loans, XXXX is with XXXX the original loan was for {$14000.00} which is a government student loan ( fafsa ). I am on great terms with XXXX and have been. I have XXXX loans from my understanding with Navient still, XXXX the original loan was {$15000.00} and another for XXXX which are XXXX private student loans. All the paper I have been receiving from Navient in the last few months have been for XXXX loans. XXXX for {$14000.00} {$46000.00} Interest {$11000.00} {$58000.00} and XXXX {$15000.00} {$35000.00} Interest {$8800.00} {$44000.00}. It was n't until I called them and spoke to someone about the account that I learned about other loan for {$19000.00} which I have no paperwork for. I have not had any communication with XXXX since my bankruptcy nor has my dad in over 8 years. Now they are going after my dad saying owe them for the XXXX and are unwilling to work with us until we start making payments. I do n't know what to do and my main concern do we owe the full amount? Why are they charging us interest on a loan they do n't even own? They also claim to have changed us late fees and penalties on the account, but will not provide any information on what those charges are and how much? Can you help? 

Thank you
Due to fraudulent activities on my credit report, the following addresses were added. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
XXXX. is reporting to Experian, Which they have not verified the debt that I owe.
XX/12/2017 Its reporting on my credit that someone checked my credit. I havent applied for any new accounts or credit cards today. It has also affected my credit score by dropping it by 3 points
United Wholesale Mortgage ( UHM ) transferred my mortgage to a new servicer. However, they owe me a escrow refund. The problem is that since they transferred my loan, there is no way to reach UWM via the customer service number. Once their phone system asked me to enter my loan number for verification, the system tells me my mortgage has been transferred and to call the new servicer, then the phone hangs up. Calling back and trying to get someone to pick up the phone by pressing zero does not work. There is no way to get in touch with UWM in order to received my escrow refund. The new servicer ca n't help either as the issue is with UWM.
In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. They have no right to collect according to the XXXX. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc
Every year, since XXXX I have reported Equifax to XXXX for failure to provide consumers with their free credit report. I go online to get my free annual credit report from the XXXX agencies. For the past 4 years, Equifax is the only one that has refused to provide me with my free online copy of my credit report claiming, Online Delivery Is Unavailable and I need to submit a mail in request. They then forward the consumer to a link, where you have to pay {$4.00} for a limited version of your free credit report. Every year Equifax is committing fraud by putting questions in their system that does not apply to my credit history. All of the questions I am asked to verify my identity, Equifax is deliberately asking me questions that are not in my credit history. I did a print screen of the questions : telling me I have an auto loan, how much is they monthly payment and an installment account opened in XXXX. Problem is, I have not owned a car since XXXX and have not opened an installment account/personal loan since XXXX. While other questions pertain to a state that I never lived in. After contacting them, they sent me a link that does not work to make it seem like they are trying to help. Clearly, Equifax has a significant amount of erroneous information on my credit report, because my credit score with them is below XXXX, while my score with the other XXXX agencies are the high XXXX 's. When I disputed incorrect information on my Equifax report in XXXX, not only did they not want to investigate the errors and make the corrections, the following year XXXX to XXXX, I have been blocked by Equifax from receiving my free annual credit report from their agency. I was sent several emails with the same link that did not connect me to Equifax or XXXX to get a copy of my free credit report. I have filed a complaint with XXXX.
In response to a previous complaint ( XXXX ) regarding XXXX XXXX, Equifax responded and said that XXXX XXXX was no longer reporting on my Equifax report. However, XXXX XXXX is still showing on my Equifax report.
I was informed by  XXXX  's salesmen that the first inquiry on my experian credit report will be a soft inquiry, however it is reporting as a hard inquiry on my report, therefore I would like it removed immediately. i have two inquiries on my report, so i would like the both of them removed since i was fed inaccurate information by  XXXX .  <P/>  XXXX   XXXX /  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Automobile Dealers, Used  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  Auto Financing Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX
I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, so to be able to steal my rewards, and to get it reported on my credit report as closed by credit granter, resulting in a significant decrease to my credit score. Also they charged me interest on a balance transfer after assuring me I wo n't be charged. When I questioned them as to why they decided to grant my request to close it..? their answer was : 1 ) since I drastically went over my credit limit, 2 ) had three returned payments, 3 ) opened to many accounts past year. To Clarify : 1 ) This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid almost full balance. And even more strangely upsetting after advising them that these charges were made without my consent. 2 ) Explaining them issue with returned payments, furthermore, In the past they also once in error stopped a check sent to me causing me damage and bad image. 3 ) I had no problem while starting the relationship with them, although I always had many accounts. 4 ) In addition to the above referenced account, all other accounts including my wife 's, were closed, even where no issue occurred at all. All this happened only after I warned them I 'll report them to the CFPB, and start litigation against them, since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on my spouses account, right after the statement closed with a high balance, saying they do n't do this service, no matter damages causing you, which is ruining my score as well, being that I am an AU on the account. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem my rewards I legally earned by using the card and paying for it. I also just upgraded my aadvantage card to be able to earn XXXX miles and lost out on that as well. Barclays bank is being misleading and violated federal regulations by charging me interest on a balance transfer I was promised it will be free of interest. NEVER SEEN A BANK BEING SO UNFAIR MISLEADING, STUBBORN NASTY, UNACCOMMODATING, AND IMPROPER!
In XX/XX/2015 my service with XXXX was cancelled. A few weeks later I received a notice from a collection agency that said I owed {$270.00} ( which showed up on my credit report. ) I called the collection agency to work something out but they said they had sent my account back to XXXX for XXXX pieces of equipment that needed to be returned. I could only locate XXXX which I turned in. I was looking for the other XXXX. In the mean time the collection was removed from my credit report. I figured everything was settled. But I just recently got another notice from I C Systems collections that put it back on my credit report. I called them regarding the XXXX Returned equipment issue. They said they dont collect on returned equipment and that the charge was for service. I called XXXX and told them at the time this happened they said the charge was for returned equipment. Now they say it is the last bill for XXXX through XXXX. I told them the service was disconnected in the beginning of XXXX so how could I be charged for service that did n't exist? The rep mumbled something incoherent - then I asked him if I could get a copy of the bill. He said no they could n't supply a copy of the bill - I looked online and found dozens of complaints against XXXX for this shady billing practice along with even a class action lawsuit. It is unethical and abusive. They should not be able to milk extra money out of people on closed accounts.
I was a victim of the data breach that occurred with Equifax, where my personally identifiable information was illegally accessed. I became aware of this upon the news of the massive data breach in the media on XXXX XXXX, 2017, and I confirmed via Equifax that my information was likely compromised. I have since placed credit freezes through all three bureaus but expect better accountability and oversight to be placed going forward, and that Equifax is held to account for this incredibly irresponsible and reckless action.
I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on XXXX payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?
When I pulled my credit-I found over 38 medical accounts for XXXX XXXX XXXX and a few other doctors offices and hospitals-I contact the medical offices and hospitals and found out that these charges are fraudulent and several of the accounts are charges for visits I didn't even attend. I contact the attorney general in my state and an attorney. They informed me to filed a fraud affidavit and complaint with their departments. I sent this paperwork to the credit reporting companies and to the this collection companies. American Collections and XXXX XXXX XXXX ( which are the same companies ) refuse to remove any of the accounts. I haven't received any paperwork and they keep reporting the accounts inaccurately on my credit reports. One account alone with the same account number and service date-shows a different amount owed with each credit reporting company.
On XXXX XXXX, 2016, I requested a copy of the written instrument ( all pages, both sides ) that clearly shows that XXXX Master Parcipitation Trust is the " new creditor '' of my loan, the loan having been assigned from XXXX XXXX XXXX. In response, all I got was a letter saying stating the same, exact information ( see attached ). A second response has been requested.
Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in XXXX.
Facts : - debt was fully discharged in XX/XX/XXXX BK - in XX/XX/XXXX I contacted Citi, we reached an agreement of {$2500.00} to release the lien on my home - Per the letter from Citi " Upon receipt of certified funds, Citifinancial will release its mortgage on the property '' - As agreed, I paid the {$2500.00} via wire to Citifinancial on XXXX/XXXX/XXXX - I have contacted Citi numerous times since the settlement in XX/XX/XXXX, the lien is still not released - this is impacting my ability to complete a HARP refinance, which in turn is impacting my ability to keep my home
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
I 've been trying to cash a check from Chase Bank, and the bank refuses to cash it even when the amount and approval from account holder was verified by  Branch Manager   XXXX   XXXX . This process has been going on for more than a week ; having me going back and forth.     After talking  to Branch Manager o n Friday  XX/XX/17    We went back to the bank yesterday Tuesday  XX/XX/17    and they still refuse to cash the check because  XXXX  failed to put any notes on the computer.     I called  XXXX  today she placed me on hold and never came back to the phone. I waite d 15 m in on hold and nothing happened.     I tried calling her again and again and she refuses to answer the phone.     I do n't know what kind of games they are playing here but as a result of the their lack of customer service, curtesy, and value of time. I 'm having my mother the account holder close her account with this bank.
Pressler Pressler located in XXXX New Jersey harasses me with phone calls and threats for a long time. They they took me to court but I did not receive notice because I moved. They won in court because I didnt know about the case. My check has been garnished, I tried to fight it in court but the XXXX County Judge told me too late, too bad. I have had my check garnished for approximately 3 years even though I know Pressler Pressler has been proven guilty of unethical practices many times over. I would like to be able to stop this illegal garnishment, and receive all monies paid to them back.