WillisBack/dataset-financial-user-claim huggingface dataset:
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2
XXXX XXXX was the third party that arranged from disclosure to closing.Actually this is happened from the month of XX/XX/2016.From Lender the loan account and the Escrow account.when I tell XXXX to forward all documents to me, they dont send the documents.Its so much mean to ignoring me that matter! More than two years of hiding no response to my letter.Im so tired of that happened, this is not the first time I made that complained in the same company!
I have attempted to dispute an account with Transunion for a few months now. I have also sent a letter to the reporting company and had the letter returned " NOT DELIVERABLE AS ADDRESSED '', which is in violation of the Fair Credit Reporting Act.

I have disputed this account and requested it removed from my credit report since I can not verify the information with the company.

Since I filed a dispute with TRANSUNION, I have been blocked from Transunion " online '' and can not utilize the site anymore. I called Transunion and was informed that since I filed a dispute online, I can not view my credit report or utilize the online system until the dispute is completed. I also informed Transunion that it is in violation of some kind of law because all information is supposed to be completed in the applicable time frames and I can not view my accurate report and can only file a dispute by mail since I have been blocked. Transunion advised me to pay for a report each time and dispute it this way.

If I mail a dispute, 3-5 days in the mail, then 30 days for review, then the results would be mailed to me again since I can not review anything online. This would take approximately 6 weeks for any results of a dispute.

I am including a copy of the letters and a copy of the returned envelope corroborating my claim to have this account removed from my credit report.
This company Convergent called the company my daughter works for in another state asking for my name. The called the company main line which is an XXXX # and we do share the same last name. So immediately those called were looked at as her taking personal calls directly through the company business line. They called 4 or 5 times, and after she told them to stop calling, they still called her company, which I am not affiliated with in any way. So my daughter is in trouble at work because these people were looking for me and kept calling. 

I called them back asked them how they even got her number, they said through skip tracing. I asked him why not contact me directly or send mail. He asked if I never received any mail from this cable company, and I have not. My number is the same as it was back in XX/XX/XXXX and they never called me. 

They told me the debt is on behalf of their client for cable service at my address from XX/XX/XXXX-XX/XX/XXXX, I did n't live at this address at that time. I 'm not sure if the original company is trying to put the previous tenants debt on me, but I was not living here until a year later and had no service from them. Actually I had no cable at all. They said the debt was {$1000.00} but its now {$36.00}.
I received a collection demand letter on XX/XX/2019 advising me a past due balance had been referred to them for collection. I disputed this debt in writing XXXX copy attached ) on XX/XX/2019. I specifically asked for the original contract agreement, statement of all charges/payments/adjustments regarding this account. On XX/XX/2019, I received another letter from the same firm offering me payment options, after I had already disputed the debt in writing. I also had several phone calls from this firm, which I ignored as I knew I had disputed the debt in writing as required. I received another letter dated XX/XX/2019 where they sent documents pertaining to said account. They only sent a monthly statement, Affidavit of Sale of Account by Original Creditor, Blanket Certificate of Conformity for Notary XXXX XXXX, a Bill of Sale and their Purchase Price Reconciliation/Funding Instructions. I again, sent a letter of dispute dated XX/XX/2019 advising them I still have not received validation of the supposed debt. ( copy attached ). I advised them I was a victim of identity thief and sent copies of my Complaint Referral Form, Internet Crime Complaint Center. I again asked specifically for a copy of the original contract or application, statement of all charges/payments/adjustments regarding this supposed debt. Then, on XX/XX/2019 I received a notice from the XXXX XXXX XXXX XXXX where this firm has now filed a lawsuit against me for a debt I have continually disputed. Then on XX/XX/2019 I receive a package from this firm. ( copy attached ) They sent the same exact items as in their letter of XX/XX/2019. I still dispute this debt. I
Sent out cease and desist phone call letter, along with request for full validation XXXX/XXXX/2016. Received harassing phone calls as recently as XXXX/XXXX/2016. They have yet to validate the debt
Equifax has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked Equifax on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.
capital one bank keeps trying to collected money from me and i paid them and i cant even get another credit card because of them they keep threatining me
I have had these two credit cards for many years, but between XX/XX/XXXX and XX/XX/XXXX,  besides my own medical and dental bills, I was taking care of my elderly mom and got my two Mastercard credit cards with Capital One maxed out. Approximately a year ago I requested that Capital One please freeze my accounts, stop all interest, and let me continue to pay on the principal balance. They would not agree to that. I also offered a {$12000.00} payoff v. the balance of approximately {$16000.00}, and they would not agree to that either. 

I was on a plan for lesser payments, but ultimately they kept requiring me to catch payments up, including late fees assessed for not making full payments, and of course interest. The amount of interest being charged monthly is more than the payments I was making. I tried to settle with them, but nothing has worked. I can not afford an attorney for bankruptcy at this time, and their payment requirements are now beyond reach. 

I was going to utilize another credit card for a no interest period, but my credit has been destroyed and my other card now has only {$1000.00} available, not the {$12000.00} I had available when this started with my trying to settle with them over the last year or more. 

I have now paid so much interest that I have more than likely paid at least half of what would have been the original balance. I would like to see if you can help in any way. I think Capital One should have let me pay on the principal balance and stopped any interest from accruing. 

According to our Constitution, interest is not legal, and maybe some day that can be enforced again, but I would ask at minimum that they reduce the balance due by removing all interest they have charged me, at least for the last year or so that I have been trying to work with them, and also late payment fees while I was making the lesser payments they agreed to.. 

They told me it would save my credit report if I made the lesser payments under their plan but obviously that has not been the case. 

I finally stopped making payments because, as I said, the interest continued to be more than any payment I would make. Since discovering MasterCard is also providing funds for the invasion of illegal immigrants into our country by providing them with prepaid debit cards, it is my feeling that they should release all debt and clear my credit report. 

Thanks, XXXX XXXX
According to 609 ( a ) ( 1 ) ( A ) through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.
In XXXX 2015, I received XXXX separate deposits of {$100.00} each on the same day to my paypal account. I immediately requested the total amount of {$200.00} to be transferred from my paypal account to my checking account. It is months later and I still do not have the {$200.00}. I reached out to paypal numerous times by phone and email to try to resolve this issue and still have no resolution. I just want my money. I have even had successful transactions since so there is n't an issue with my accounts nor my account numbers. They are in violation of the California state 's Money Transmission Act section 1841 which reads : '' Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. ''
I implemented a credit freeze with Experian, XXXX and XXXX last year when my personal data was stolen from XXXX XXXX. Experian gave me a XXXX digit PIN to use to unfreeze my credit report but when I tried to use it this morning it was rejected. Experian does NOT provide any means for me to speak with a real, living human being to try and fix this.
On XX/XX/2015 I received a letter from Allied Interstate LLC stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XX/XX/2015 for a request for Validation of Account. As of XX/XX/2015 I have not received a response for validation.

XXXX called me on XX/XX/2015, in an attempt to collect debt concerning XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from XXXX, yesterday I received an alert from my credit monitoring and XXXX has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.
I belong to Experian Credit. 
I checked my report & shows to accounts With the wrong balance 1. XXXX XXXX XXXX XXXX {$7800.00}. Wrong Was paid off. 

2. XXXX, XXXX. 
Balance {$640.00}. Wrong Cancelled sell balance {$0.00} I tried to Correct this through Experian But was not able to correct this matter. 
Please help
My Mortgage lender, since 2012, has been XXXX Mortgage. I am attempting a refinance with another company. My credit score is around XXXX and all is in order. XXXX Mortgage lists me as current and up to date. Unfortunately, LoanCare is reporting me as over 120 days delinquent on the same loan held by XXXX Mortgage. With this blemish on my credit report, I can not get the funding for the refinance.
Date : XXXX/XXXX/2017 The Navient representative states that I called in the beginning of XXXX to set up payment, and that the payment was drafted including a one-time charge of {$1.00}, which was reversed from the bank. This resulted in the automatic debit not working, and the forbearance to get the loan back-on-track failing. Representative states that I was contacted about the situation, but I never received any communication over the phone, in email or via mail by Navient or even my bank regarding the transaction.Because of this, my payments went back into a negative, past-due status. Today, I made a payment of $ XXXX to bring the account current again using the same methods used the last time. The representative stated that they will keep a tab on the {$1.00} charge to make sure that it is not reversed again, and will follow-up. I would receive a call from a XXXX XXXX XXXX mobile telephone # if this is the case. Otherwise, my next payment of $ XXXX will then be drafted on XXXX/XXXX/2017. **Please note that this is not the first occasion that has happened with Navient XXXX The above is XXXX of the documented cases that I have with the company. This has happened before as I needed to postpone a payment so that I could cover living expenses, and get caught-up on other important bills. XXXX XXXX and Navient has done very little, if anything at all to work with me. I 've had this XXXX private loan for 10 years now, and all of the money I paid has gone to fees and interest charges. The loan is exactly the same amount as when I had to take it out over 10 years ago. Nothing is ever explained well or documented and it is always a mystery game with them. It 's very unsettling to me.
I have filed for removal of a bankruptcy public record I have on my credit report. Last XXXX, Experian removed it from my file for about 30 days. So I disputed it again and it was removed but a few hours later it was removed. There is no way US Court responded so fast. Experian is punishing me on purpose. I called my attorney and was I should be able to get it removed. XXXX and XXXX have removed it last XXXX but have kept it off. Experian is giving me trouble for no reason. They had already removed it why place it back on. US Court claims they should be able to remove it but I told them they wont.
I bank with PNC bank. I have a issue currently with a few transactions which caused my account to go negative and NSF charges that were imposed. What happened during this situation is as follows. I was out of town and knew there was going to be a charge go thru my account next week. I was aware of this so I was very cautious with my spending. To be extra cautious I made sure that when I made any type of charge to the account I checked the balance before hand to make sure the large charge did not come out before it should have so my account would not go negative. I have been told my the service reps at the bank that the processes were in real time so I took that to mean if there was a balance in the account that it would go in the order of the charge. THIS IS NOT WHAT HAPPENED. Although I checked before each and every charge the large charge I knew was coming ( although a week early as I was afraid of happening ) did end up going thru. Now the problem is all those charges that I double checked for a balance they did not process it the way they said it would. PNC processed the large charge first and then all the other small charges afterwards causing XXXX NSF charges. I called the bank and they once again told me that Everything processes in real time. I went back and forth with them and they ended up telling me the balance is just a tool. I was not satisfied with this and the case was elevated to a supervisor. I then received a phone call a few days later and the lady told me that things are not processed in real time. This is a stark contast to what I was told in person at the branch as swell as what the online CSR told me. She went on to tell me things are really processed when the receipts are sent to the bank for payments. Well this makes things impossible to try to fix if there was some type of error on the account. Anyway I feel like the bank was completely dishonest with me on how to try and protect myself against charges. If I would have know in the first place I would have just pulled out cash out of my account and paid with things that way so I did not have several hundred dollars in NSF charges.
I have an acct on my credit from XXXX XXXX  in the amount of {$240.00} for a payday loan. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.
My identity was stolen and my XXXX XXXX XXXX   MasterCard credit card was used to make a purchase for {$610.00} on XX/XX/XXXX.  XXXX XXXX notified me, via U.S. mail, on XX/XX/XXXX that a restriction was placed on my card to until they could confirm that there is no fraud occurring. I was directed to call Synchrony 's XXXX number to discuss this with them. I called Synchrony and was told that a purchase was made on my card for {$610.00}, and I was asked if I made that purchase. I DID NOT make that purchase. XXXX XXXX said its fraud department would instigate and investigation. I have had numerous discussions with Synchrony 's fraud department. The bank had me call the " alleged '' vendor, XXXX XXXX XXXX XXXX XXXX at XXXX. I called this number, and it is disconnected. I called back to the Synchrony 's fraud department and told them the number is disconnected. Synchrony then asked that I contact PayPal. I called PayPal, and PayPal verified that I did not make the {$610.00} purchase. I called XXXX XXXX and told them what I found out. One of Synchrony 's investigators even admitted to me that they did not do a good investigation. He said they would investigate further. I spoke with my attorney in the meantime, and he told me that XXXX XXXX must produce " hard copy '' proof that the items purchased from XXXX XXXX XXXX XXXX XXXX were sent to my home. Each time XXXX XXXX denies my claim and says that I owe the {$610.00}, they do not have this proof. All XXXX XXXX has is that the vendor told them the items were shipped to my home. The vendor can not be contacted, and they have not gotten the information from the post office or from USPS to show the items were actually shipped to me. My attorney and I agree, until they can give me " hard copy '' proof, it is my word ( a valued customer ) versus a vendor that can not be contacted that the items were not shipped to me. This has been going back-and-forth between XXXX XXXX and me since XX/XX/XXXX. Each time I speak with Synchrony, nothing has been done. Yet they continue to ask for this payment from me. I am tired of the harassment and the time invested to clear my good name. I have excellent credit, and have always paid my bills. I even went to my local police department and filed an identity theft claim. Now, would an honest person do this? Please help me.
Hello, I received an email from XXXX saying there was a new inquiry on my Equifax report today XX/XX/XXXX at XXXX. I went into my account on XXXX and it did have a new inquiry on XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone # XXXX ), which I did NOT authorize. 

I called Equifax first and was told XXXX XXXX XXXX did request credit report so to call them directly. 

Then I called XXXX XXXX XXXX and was directed to the fraud departments for both wireless and home/XXXX and was told they have absolutely no record of any inquiry they submitted OR any new or old account information for me ( because I have never had or applied for a service with XXXX XXXX XXXX EVER ). 

Then I called Equifax back and was told that XXXX XXXX XXXX is the only entity that can remove this hard inquiry because XXXX XXXX XXXX did put in the inquiry so to call them back. 

Then I called XXXX XXXX XXXX AGAIN, and was told the same that they have no record of such inquiry and so they won't be able to put in a request to Equifax to remove the hard inquiry on my account. 

The XXXX XXXX XXXX entity in question : phone number is a disconnected number, the address is for XXXX, an XXXX in XXXX XXXX, TX. So who is requesting my credit information and why is Equifax giving out this information when I did not give authorization? 

I did inform the Equifax agent regarding this but he did not do anything further to investigate this non-existent " XXXX XXXX XXXX '' business that they, Equifax, provided my credit report to. 

Please help. I want this hard inquiry removed. They can not provide any proof that I authorized this hard inquiry on my credit report because I DID NOT give it.
To whom it may concern : I am filing a complaint against : Trans Union Credit Bureau, XXXX. XXXX XXXX, XXXX, PA, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both TransUnion and XXXX XXXX XXXX XXXX. 

What am I looking for you might ask? Information showing when I received this late payment. 

Not only have they ( XXXX XXXX XXXX XXXX ) failed to furnish me with any information or statements they ( XXXX XXXX XXXX XXXX ) continue to put remarks on my credit file via TransUnion Credit Bureau. I have sent several certified registered letters to them asking for evidence of this late payment. They ( Trans Union ) have only said to me that they have as per my credit report XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX ( XXXX ) XXXX description : XXXX Verified as accurate as of XX/XX/XXXX. So, how can that be, because I still have not received any information from XXXX of proof or Trans Union for that matter. 

Verified : The collection agency or creditor may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a creditor or debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent TransUnion Credit Bureau information about the company in question. TransUnion has not been forth coming either, saying that they have spoken with and validated the information to be true. Yet, I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. I have been trying to get to the bottom of this matte for over a year now. 

Thank you Reference to : XXXX XXXX XXXX XXXX Closed Account showing late payment from XX/XX/XXXX.
I had a junior mortgage that was discharged ( not-reaffirmed ) in bankruptcy in the mid-XX/XX/XXXX. This mortgage was originally owned by another loan servicer until XXXX  XXXX XXXX acquired the company. From the mid-XX/XX/XXXX to XX/XX/XXXX, this account has been on my credit report as an open account, included outstanding debt, and a thirty day late notice. I recently learned this practice is not allowed and constitutes multiple FCRA violations. 

Once I disputed these problems, Ocwen started cleaning up the credit reporting, but there are still longer term ramifications for these violations, like higher interest rates on vehicles and homes. 

I am currently working towards an amicable resolution for their willful negligence on the handling of my account. If we can't come to an accord, I may take direct legal action against the company.