WillisBack/dataset-financial-user-claim huggingface dataset:
I have a couple hard inquires on my credit report that I have not inquired about and I am not sure who did. The first is labled " XXXX & XXXX XXXX '' dating back to XX/XX/XXXX. The second is labled " XXXX '' dated XX/XX/XXXX. The last is labled " trans union '' dated XX/XX/XXXX. I have no knowledge of any of these inquires and would like these removed from all of my credit reports.
I had Fraud on my checking account for a couple of moths that caused my payment to JCP to be returned in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my credit reports.
Some of the questions referring to my credit history asked about mortgages that I have never had, in or around XX/XX/XXXX
I traded bitcoin on Coinbase and did several transactions. However, since last month I was suddenly asked to provide SSN when I do any action like sell or withdraw. I do n't have SSN but Coinbase allows me to do trade in the beginning. For now, I still have XXXX $ in my USD account and I can not withdraw my money. I contacted Coinbase since last month but no one reply.
AWA collections has not attempted to contact me and the ONLY way I found out that something had been sent to them was by my credit report. I have contacted them to get paperwork verifying the charges since I never received anything from the hospital before being sent to collection. They told me to mail in request for documentation but the first rep (   XXXX  /2017 ) did not provide any information. My insurance company then called and the collection agency verified information with them and provided information to them but not to me. The  2nd  rep hung up on me repeatedly even after me asking for the information. The 2nd rep  XXXX   XXXX  ID  XXXX  (  XXXX / XXXX /   17  ) was also condescending when I asked what the charges and dates were for since I have still yet to receive anything from this company. I also questioned if they offered a discount if I paid in full today, I was immediately told no and that they do not have to work with me because I did not pay my bill, would have had I known about it! Every time I have talked with this company they do nothing but talk to you like your stupid for not paying your bill. Everyone at some point or another has had a bill go to collection. It sure does not help when they will not work with you to get this issue taken care of. This issue is still not resolved since you can not get any where when talking to them because they talk down to you every single time you call. I was told today (  XXXX / XXXX / 17  ) that a letter was sent to  XXXX   XXXX   XXXX   XXXX   XXXX  which does not exist and the hospital has the correct information I was there  4 w eeks! No date of when the letter was sent was provided to me. I pray that no one has to work with this company they are horrific and not helpful at all!
Dear Sir or Madame on XXXX I sent Experian a letter pertaining to XXXX XXXX XXXX # XXXX. Presently, I have not received a response back from Experian. This account appears to be re-aged and should have been deleted XXXX. The last date of payment listed on older credit reports is XXXX. Enclosed are these older credit reports : XXXX Report # XXXX Last Payment Listed XXXX XXXX  Report # XXXX Last Payment Listed XXXX XXXX Report # XXXX Last Payment Listed XXXX Since XXXX XXXX, XXXX, was the last day a payment was made on this account, than the date of delinquency should have started around that date. Therefore, this account should have been deleted around XXXX XXXX. 

At one point in time, XXXX and XXXX had the credit first account listed but due to the account being past 7 years, they deleted the account off of their record.
for several years i have been making weekly payments on my mortgage to citi mortgage. most months these payments exceed twice the required mortgage payment. after reviewing my statements, it appears not only does the lender charge me late fees even though i have never been late,, but does not apply my weekly payments properly or in a timely fashion. i have seen my payments held for weeks un-applied, causing me to pay more in interest ever month. after spending 3 hours over 2 days trying to resolve a late fee, i am giving up talking to the XXXX customer service people and filing a complaint. there is XXXX XXXX late fee and an unknown amount of interest that i have over paid due back to me.
On XX/XX/2016 I closed all my accounts at Fifth Third Bank due to a history of bad customer service. I asked for a check with my checking, savings, and Access 360 Debit Card balances. The bank manager only printed me a check for the checking and savings balances. She said that in order to get the Access 360 account 's money I had to call Customer Service. After this I had multiple failed attempts to get to the right customer service department to close and refund the 360 account. The balance was around {$30.00} and so I decided at that point to just give up. Then in XX/XX/XXXX I realized that Fifth Third was charging me a monthly fee for not using the Access 360 Account which I do n't have access too and they have not allowed me to close. I called them on XX/XX/2016 and was on the phone over 1 hour because the customer service representative told me that only a local branch associate is able to close this account. I explained my ordeal and she had me on hold while she was not successful in reaching a local branch representative within various local locations. She then transferred me to her supervisor, XXXX, who hung up on me. XXXX then called me back the next day telling me to call back for assistance. The bank is still charging me the monthly dormant account fees and they will not close and refund my balance. I can not spend more hours on the phone just to keep them from charging me a monthly fee. I will like them to refund me the money that I had in this account, permanently close this account, and stop any more fees from incurring.
I am being charged for attending XXXX XXXX where I have NEVER attended. I applied to the school but never enrolled nor attended. I have called and wrote Navient from XX/XX/XXXX until XX/XX/XXXX to validate the charges said that I owe. 

I have asked several times for Navient to validate the said loans allegedly owed to them by providing documentation that I agreed to pay these funds, breaking down an audit of the payments, what school the said money was sent to, proof that I even attended the school ( s ), how was money applied, what was my balance and where is any or all documentation. 

I was verbally coerced into some form of consolidation that would temporarily make my payments $ XXXX monthly while my account is being investigated. However, these amounts are still being reported on my credit report without any proof that I owe the monies.
According to Experian there is a XXXX account in my name that was opened before I was even born ... I have no idea what this is as it is not mine and I am afraid it is identity theft.
There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX
Chase will not release the remaining funds from the insurance settlement I received as a result of storm damage my home received last winter. The amount they are holding is approximately XXXX. The give me inconsistent answers as to why they are holding back the funds.
My cell phone account ended after a 2 year contract however unauthorized use continued with billing phone calls to overseas merchants. The account was cancelled. XXXX customer service stated that account would be cancelled and I would not be charged XXXX dollar cancellation fee. Afterwards, XXXX forwarded a collection notice for XXXX dollars to a collection company and I immediately sent notice " do not contact '' & violates collection laws.
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX
I had a real good friend who has a checking account with SUNTRUST BANK in XXXX, Ga. He put me on his checking account in XX/XX/2008 after he had a real bad scare that he might die, instead he lost his right leg. He did this so that I could take care of his bills in case he couldnt. On or about XX/XX/2018 he had a massive XXXX  and was found by his EX DAUGHTER-IN-LAW and sent by ambulance to the emergency room. That left her with his keys to everything hes got, his wallet, identification and his ATM CARD without a pin number, she then took the ATM CARD and used it as a CREDIT CARD with no pin and charged over {$3000.00}. He then went to a nursing home for rehabilitation on XX/XX/2018. In the meantime I was trying to get in touch with him on the phone because we talked every week at least one maybe more. When I could not get him I called his grandson that was staying with him, the grandson told me a great big lie. So I kept trying to get my friend on the phone finally call me form the nursing home to tell me where he was at. He was took back to the EMERGENCY ROOM on XX/XX/2018 where he was put on a ventilator and couldnt communicate with anyone till his death on XX/XX/2018. I have documentation from the Sheriffs Department and the District Attorney Office that this is Transaction Card Fraud.
XXXX-Current, Seller XXXX XXXX XXXX XXXX trustee for computer learning centers, states that a dispute from Portfolio Recovery Associates, XXXX ( " XXXX XXXX '' ) that I owe a balance of XXXX from XXXX, I paid XXXX dollars to settle this account in or around the years of XXXX to current. They submitted documentation to me regarding an educational loan back in XXXX, where I am the buyer of an educational course from computer learning center of XXXX, which was located at XXXX XXXX XXXX XXXX, XXXX, il XXXX. I would like to know how I am still responsible for this and why their is a lean on property against my name for this account till this current date and I was able to purchase as a buyer an educational course but not an apartment or an house.
Upon reviewing personal credit report, found entries from Capio Partners. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
I contacted RGS regarding an item on my credit bureau. I advised them I did not believe the item was not mine. RGS never disputed the account and then tried to use deleting the tradeline as a ne gotiation tactic to get me to release any legal claims against them.     The attached documentation will clearly show that  RGS  is not disputing, disputed accounts resulting in unfair reporting to credit bureaus and additionally has created an un-fair collection practice for which the least sophisticated debtor would have to use " Magic words '' in order to have their account disputed. They are friverously disregarding FDCPA and FCRA in conjunction with their attorney  XXXX   XXXX .
After moving out, we were contacted by the apartment manager that we had to pay x amount of money for damages. We called repeatedly asking for more information, because we did not damage anything during our time there. We never heard a response. They continued sending us letters that told us to pay. We sent letters back begging them to tell us what the damages were. We told them, we were not going to simply hand them over money for something, especially when they wo n't tell us what it was for. Some time passed, and we get contacted by a collection agency. They go on to tell us that we owe money for damages to our apartment. I ask what are the damages? All this time and no one would tell us!! The collection agency did n't even know! They said they had to contact the apartment complex to find out. Another two months pass, I called the collections agency almost every day trying to figure out the problem. They finally receive an answer. They said the damage was to the carpets. We definitely did not damage any carpets. I asked them to send us proof of the damages and pictures. They send us a letter that simply tell us the price to pay. No pictures. No details. I believe we are being lied to here. And, during the time of this charade, these XXXX agency have successfully damaged my credit score.
Capital One XXXX shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive
I am in the middle of qualifying for a mortgage and XXXX & XXXX has me as deceased. I am being told that it is due to XXXX XXXX XXXX ( Zales & XXXX ) accounts has reported me as deceased. I call XXXX XXXX XXXX, spoke to a XXXX XXXX ( nasty attitude )  explain my issue and she showed no remorse and told me the fix will take 30 days. I explained that I was trying to secure a mortgage and lock in a rate and she seemed to just not care. She eventually told me they have made a mistake and she is fixing it. I tried to explain that I needed the correct info sent to both credit bureaus and she said she was sending " the forms '' .. Well that did not happen. In following up with the credit bureaus ( XXXX & XXXX the are still saying that the dispute has not been responded too. I am going to loose my home and my credit history is being destroyed by XXXX XXXX XXXX for I have no clue how they can report me as DEAD!! 

I am requesting your help into this matter. I need them to expedite fixing this problem before I loose out on securing a mortgage and locking in a low interest rate.
I have sent dozens of XXXX letters requesting inquiry removal off my account because most of them are not done by myself from years ago being a victim of identity theft, well instead of removing said items Experian adds a security freeze to my account instead, well I call in and ask why it was added and behold nobody knows why this was done, and it is only on my Experian report. Well, I send in more letters, and they respond back that they will not remove anything from my report, but my million dollar question is why I am seeing and personally know some people who made one phone call and didn't have to send in anything at all and got every single inquiry removed off their report with no issues, but instead of responding to my request they just add a security freeze to my account and then have no record of doing so and not wanting to budge either or follow suite with the removal of unauthorized inquires saying I have to contact each individual company, do you know how many stamps that is going to take?! I sat in a room with someone who made one single phone call to Experian and had 51 inquiries removed in less than 15 minutes and then I send it letters after letters and call after call and nothing, stamps are not cheap at all, and they are not wanting to cooperate at all, but will for others, this is absolutely not fair at all! Answers please?!
I have a citibank XXXX XXXX credit card. I filed a restraining order against my spouse on XXXX XXXX after she became XXXX with me and XXXX to XXXX me. The Police served her with the restraining order and removed her from my apartment. Since then I have not had contact with my sponse. On XXXX XXXX, my spouse charged {$5000.00} to my citibank tXXXX premier credit card. I informed the credit card company the same day that the charge is fraudulent and requested to cancel the charge. They asked me to call the merchant to cancel the charge, which I did, but the merchant refused to cancel the charge. I then sent an email to Citibank credit card on XXXX XXXX, again informing them that this is a fraudulent charge and asked them to cancel the charge with the merchant. Since then Citibank has said " they are investigating '', but have provided no information. I have called them about 5 times in the past month, and they are now refusing to refund despite the difficult circumstances that I am going through. Citibank has failed in their responsibility to put a stop payment on the charge on the same day that I informed them. Further they have caused me a huge loss and failed in their responsibility to cancel the charge with the merchant despite being informed of the circumstances. I seek redress from CFPB. Please help. Kind Regards
Explained to collection company ( Pacific Credit Exchange ) this is not my and i wish to dispute this, they replied " NO '' and hung up the phone on me. mean while the letter my bank received was a Live to take and block my bank account. this is not me in year 1989. never had car nor did i deal with a loan company " EVER '' i need help from you, please. saying i bought a XXXX XXXXXXXX XXXX ... .l never own a car like that. they are leaving me very confused and they wont let me DISPUTE this, Ive done as much as i can to try and clear this MISTAKE with no positive result, so what do i do next?
On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX investigation dept, and up to present nothing been done. I just want my credit profile back, please assist
To Whom It May Concern My Na me is    XXXX   XXXX   XXXX   m y complaint is with    XXXX   XXXX   XXXX   XXXX   is two  parts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX   in  XX/XX/XXXX   XXXX  in doing so it was not aware that recommit my loan with    XXXX   XXXX   XXXX   XXXX   ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX   XXXX  . we were told by the person handling the modification process with    XXXX   XXXX   that for us to qualify for the modification, we  had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted   XXXX   XXXX    about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Nationstar has been out of compliance and committing unlawful acts on my mortgage loan. Nationstar is not the original company and is flawed in reporting accurately and they are over charging me. I have asked for copies of my original loan and they are not able to produce my documents nor signature documents. I am XXXX years old and on a fix income and this is a violation of my consumer rights. I have documents and proof of the flawed acts of Nationstar. I notice there is a lawsuit against this company. Can you please consider my complaint and assist me in relieving me from this predatory debt and unlawful act.
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the the ownership and legality of this HIPPA Act Violation debt purport that I owe The accounts have been in dispute for over 3yrs.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.
I have a XXXX loan with Ocwen Loan Servicing. Back in XX/XX/XXXX, I applied for a loan modification and refused the offer. I did not send the paperwork back nor did I agree to the terms verbally. I continued to make my payments every month in the amount of XXXX. After I told them that I was trying to refinance my loan, the company begin an harassment everyone month, when they did not receive my payment after the XXXX day of the month. The company held my XX/XX/XXXX payment because they said that I was on the loan modification program and I continued to tell them that I have never accepted so, they withheld my payment and did not post to my account and reported to the credit bureau that I was late so, now my credit has dropped points due to their mistake and their retaliation against something that I would not agree to them. This company is a very dishonest company and they are bullying their customers and will take any measure to have them stay with their company. I am requesting that they fix my the credit report to credit bureau 's all three immediately. They have no grounds of reporting negative data to the credit bureau if they do n't receive the payment within the 31 days of when the loan is due. I have bank statements that track my loan and they have the loan payments in the system that have these documents as well. Last, I would like for them to decrease my interest rate to 2 % for the remainder of the loan.