WillisBack/dataset-financial-user-claim huggingface dataset:
They would remove the inquiries then they would put them back on, I do n't know why they would do that, only Trans union and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with XXXX on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.
On XX/XX/XXXX, CHECK # XXXX {$210.00} was withdrawed from my checking account and I was charged a overdraft fee of {$36.00} I have contacted PNC bank to waive this fee as a courtesy credit, and they have refused saying that I'm not eligible. 

Here is the Reference number : XXXX I asked to be transferred to a supervisor/manager, and they said they would call back. After contacting the manager, they were saying that I'm not eligible. 

I asked, what is your eligibility for issuing courtesy refunds? and they said " we don't have one ''. 
I'm very confused that they don't have a policy that defines the terms. They were being passive aggressive about answering this question. They said I received 2 courtesy refunds in XX/XX/XXXX, and that they can not issue one for me now. I have been a loyal customer for at least 12 years, and they are actually refusing to reverse this fee. 

I think it is unfair that they can do whatever they want without any clear policies. They are not transparent about their practices. 

I think this is more than my concern for {$36.00}, actually banks should have clear policies about these things. I'm sure this fee applies to many Americans who are not financially doing well. This is one of the issues I think that affects the poor and that's why there is no clear policy!!!!!
I have contacted XXXX XXXX and Equifax they are reporting invalid bogus debt that I do not owe. They have the account listed on my credit twice for the same amount and it is not being corrected. The amount is XXXX Equifax nor XXXX XXXX has validated this debt. Equifax just keeps sending me letters staying they verified that the account belongs to me. This is how I know they did not really investigate. If they really had investigated they would see that I never owed a balance and that the business has been permanently closed and no longer in business anymore. No one can validate this debt. They are telling me that it is legal to report an item twice that I do not even owe. Please investigate these XXXX companies you can find out for yourself the company has been closed for sometime and not in business and that I never owed them a dime. This is causing me great stress. I understand Equifax gets paid to report negative information but it is not ok when honest people being forced to fight something they do not even owe I am just asking that someone please investigate and fix this situation please.
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Receivables Performance Management in the amount of {$390.00}. This debt has not been validated by the creditor or the 3 credit bureau agencies and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
Well it all started we i ask gla to send me a copy of a lease that i sign.I spoke to XXXX and he said i had thirty days to respond to the letter that they send to my job, which i did I also told him the only way that they could have gotten my home address is by speaking to me, because the letter that was sent to me was sent to my place of employment. They still refuse to send me any document that i have requested. XXXX XXXX also told me that they have already contacted my employer and that the money will be deducted out my check which i told him to do what he needed to do.
I received a letter from XXXX XXXX XXXX XXXX dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to Cavalry SPV I LLC and the original creditor is XXXX XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX XXXX, Cavalry SPV I LLC or XXXX XXXX XXXX XXXX. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?
TheaccountIamdisputingwassenttoTransworldSystemsInc.bymistake, accordingto XXXX ( XXXX ) .Ihavebeenmaking $ XXXXpaymentsonthe accountmonthlyanditispaidoff.OnXXXX/17, myaccountwasdisputedbybothmyself and XXXX ( XXXX ) .IspokewithsomeonefromTransworld Systems Inc.thatday.AndIspokewithXXXXfromXXXX ( XXXX ), the  headofthebillingdepartment, whotoldmeshewillhavetheaccountremovedfromyour agencyimmediatelysinceitwassentbymistake.Wearestillreceivingharassingletters and phonecallsfromthiscollectionagency, despitethefactthatitwassenttherebymistake, thatit wasdisputedbymeandthecompany, andthatitwaspaidoff.
I have a Rushcard that I use to make Direct Deposits for on my payroll every 2 weeks. I received an email that they were having some maintenance done with their website on XXXX/XXXX/15. On XXXX/XXXX/15 there was another email stating to take any funds out of the card just in case it was needed while the maintenance was still in progress. I had no funds in there at the time. On Wednesday night XXXX/XXXX/15 my direct deposit was supposed to hit my account and then I usually withdraw the funds the next day. Since XXXX/XXXX/15, I have not been able to get my funds out of my card. My card says my account is inactive. The website will say my funds are there but then the day after it would show as XXXX dollars.When calling the company for more information it either rings and hangs up, or when they answer it is a " our systems are down '' speech and unable to see your account please call tomorrow. I have relentlessly called them every day twice a day, on hold for 3 hours, emailed them over 20 times to their email address XXXXXXXXXXXX. I have XXXX messaged them over 30 times. Then on Sunday XXXX/XXXX/15, my account stated my deposit was there on another card I had previously but that one expired on XX/XX/2015. Since then they issued me a new caed which expires in 2018. This is still the case. I can not access my funds in any way at all. I get nothing but no explanations on the phone when you speak with agents. They are not in XXXX but outsourced from XXXX. They say they will call you back but they do n't. I still have not had any of my money returned to me since this has happened and there should not be any excuse for them not to update the card with the money unless they have taken it and are not saying so. My livelihood depends on my payroll checks, If I do n't have then bills will not get paid, there will be no food on the table, I take the bus to work so no bus fare, and my dog whom i love very much has no food to eat as well. I do n't have it as bad as the XXXX people who have been affected by this. But it is still my earnings that I worked hard for and I should not have to wait for them to give me what is rightfully mine. I called my HR payroll department and because it was posted as " received fund '' from Rushcard as it seemed to be an open account at the time, they are unable to reverse the money to cut me a live check. I am one of the many who needs this to be corrected and as soon as I am able to I am going to take all of my money and burn the Rushcard into ashes. But in the meantime I still need my money and it has not been resolved. This is not how a business is run especially if involves money and banking. If this was just a technical issue then there are ways to get the money back. They could issue checks. They could issue money orders. But instead they ignore our emails, avoid our calls, lie to us on the media, and the contract says no arbitration allowed. There has to be some justice done to get this corrected.
I reviewed my credit and noticed that an account with XXXX XXXX XXXX in the amount of {$100.00} was being reported on my credit with the Original Creditor being XXXX XXXX. I never received any notice from this company regarding the debt. I called to make a payment to satisfy the debt and the rep XXXX XXXX advised me that XXXX XXXX no longer owed the debt and that it had been returned back to XXXX XXXX and that the collection account was closed. I advised the rep if they are no longer collecting on the account then my credit report needs to be updated to reflect. The rep kept repeating the same thing just stating that the account was returned to the Original Creditor and that it was closed. Repeatedly after not answering my question about the CBR reporting I asked to speak with a member of management and was advised that no manager was available. What type of professional establishment does not have a supervisor/manager available to handle escalated calls. The rep never addressed my question regarding how this account is being reflected on my credit and refused to let me speak to somebody above him. I advised the rep I would be filing a complaint and disconnected the call.
For over a year my insurance company faxed proof of insurance to Ocwen our county provided them with proof of address changes on our street I have copies of all of it Ocwen placed forced insurance and will not refund I am XXXX and cant leave my house they wont allow me to make online payments they wont allow me to set up the npaymwnys due for XXXX and XXXX thus making me 3 months delinquent they want all amounts due plus another XXXX for insurance
I live in XXXX, but in XX/XX/XXXX I took a temporary summer position as a XXXX and worked in XXXX, XXXX. I got cable service with XXXX XXXX. I returned to XXXX in XX/XX/XXXX. In XX/XX/XXXX, I became aware that my FICO score had dropped to XXXX. For over 30 years, it has been at least 800. I checked my credit report and found that a XXXX XXXX XXXX of XXXX XXXX had placed negative information on my report. I called them immediately. They said they were collecting a past due account for XXXX XXXX. They said I still owed a portion of my final cable bill. I asked why they had not contacted me. They claimed they had. Apparently, they were asking for a XXXX XXXX. I receive a number of calls with no caller ID. I do not answer them as I am inundated with solicitation calls despite being on the do not call list. I paid the bill in full the next day with a personal check. 

I called XXXX XXXX and complained. They were sympathetic but said there was nothing they could do once it went to collections. I do not know why XXXX XXXX did not contact me. I paid my by personal check the entire time and it had my home address. SouthWest was somehow able to locate me and put a negative report on my credit report, but they could not send me a letter. I think this is grossly unfair!! I want my XXXX FICO score back asap. It is my understanding that negative reports will remain on your credit report for seven years. This is not fair!!
I 've called and written in to XXXX XXXX XXXX several time in which I have proof of signature of documents sent. I have one XXXX card account however a duplicate account is appearing on my Equifax credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked XXXX to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both Equifax and XXXX and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to XXXX Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file. Its stating from XXXX that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit XXXX Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting. I have spoken to several supervisor at XXXX. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly XXXX had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at XXXX is XXXX direct. <P/><P/>thanks XXXX XXXX XXXX
My wage earner protection rights were violated. I was under wage earner when my second mortgage was refinanced. The loan was with XXXX XXXX XXXX. The new loan was with XXXX XXXX XXXX. XXXX made regular payments to XXXX XXXX without my knowledge or consent. I opened an account with XXXX XXXX in XXXX after I received a settlement from a XXXX XXXX law sue I filed in XXXX. The case number are XXXX & XXXX. I was discharged in the first case XX/XX/XXXX, XXXX on the second one. The case number for the law sue is XXXX. Attorney XXXX XXXX filed the law sue as workman 's compensation without my knowledge. The FBI brought this to my attention. I learned I was under investigation in late XXXX. I was laid off on XX/XX/XXXX, my former continued to pay the courts from my payroll. My employer EIN # is XXXX. I paid the courts {$18000.00} on XX/XX/XXXX to pay all of my creditors off. My employer never stopped paying the courts and they knew I was laid off. The payments was {$140.00} a week from XX/XX/XXXX-XX/XX/XXXX. Someone have abused/is abusing my identity. The person/persons had health care insurance with my personal information. XXXX XXXX XXXX. It 's a group. My drivers license number is XXXX-social security # XXXX. All my former employers have been changed with all Of The credit agencies. My drivers license was copied without my knowledge & my social security card. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. When I learned I was a victim of identity theft. I went to probate court and changed my name to my maiden name. XXXX XXXX XXXX Federal Identification number is ( XXXX ). XXXX-mortgage interest statements was reported to IRS using my personal information. Fraudulent transitions was being reported to IRS. Interest was added to the C/D 's I opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX Federal Identification number is XXXX. I was told by the FBI to pull all of my tax transcripts. I went back to XXXX. XXXX XXXX Federal Identification number is XXXX. It was used to report fraudulent interest on the C/D 's I opened the account with. ( XXXX ) & ( XXXX ). This information was reported to IRS, yet I never received statements. My mail was being stolen, a series of people had p o boxes in my name through XXXX XXXX. From the time I opened that account it was being abused. XXXX XXXX really needs to be investigated, with her mother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX she is a former postal employee. XXXX XXXX XXXX, XXXX XXXX. I wrote checks for my tithes, money was being stolen.
This account does not belong to me. I do not know where this account came from but it definitely is not mine!
I went to JC Penny to make a purchase and the sales representative asked me if I wanted to sign up for a rewards card to save 30 % off my purchase to which I agreed. She asked me for my information including my social security number to input my information into the system. I literally just turned XXXX a week and a half before visiting this store and had no idea she was signing me up for a credit card. She never once mentioned that Id be signing up for a credit card and that shed be checking my credit. I used my debit card to pay for my purchase, as I had no reason to believe I now had a store credit card. Rightfully so, I assumed that I received the discount because of the rewards card I signed up for. Fast forward I received a JC Penny store credit card in the mail and I checked my credit to see that I now have a hard inquiry on my account along with a credit card. This is fraud, as I was mislead into opening a credit card due to my age. I never agreed to have my credit checked and never agreed to open a credit card. The sales representative lied to me by saying that I am signing up for a rewards card and did not alert me that I was signing up for a credit card. A rewards card and a credit card are two completely different things. I want this account closed and removed from my credit report as soon as possible.
I have two accounts with Synchrony Bank for credit cards with Banana Republic and Belk Department Store. In XX/XX/XXXX, both of these accounts were paid in full and I have not received any further correspondence from the " Bank '' since these payments were made until XX/XX/XXXX. I received 2 letters ( 1 for each account ) stating my accounts have been closed due to " serious delinquency '' and such has been reported to XXXX. I tried speaking with a representative with the bank to discuss this reporting and they refused to assist me. I contacted XXXX and they agreed to open a dispute but informed me that most likely nothing would come out of the dispute. I feel that I am being punished for a delinquency that happened more than a year ago and on accounts that have been paid off for nearly a year. I can understand reporting delinquency if it has recently occurred or is still occurring but not on accounts that have XXXX balances since XX/XX/XXXX. I also believe that this type of incorrect reporting could pose a problem receiving future credit and could impede on my ability to seek employment in the financial industry, for which I am currently applying.
Capital One informed me card was frozen. Some unknown person used my personal information to add him/herself as an authorized user of my VISA card. Capital One has cancelled that card, is issuing me another. Advised me to file fraud alert with XXXX ; have done so. Advised me to file same alert with FTC whose website directed me to your agency. 
I will now have to contact the many organizations whom I pay by charge ( to the cancelled card! ), as well as the many e-tailers with whom I do business. Until my new card arrives, I have NO credit card.
Equifax continually chooses to report an invalid tax lien on my report. I have asked them to verify this information many times. I have spoken with the company who reported the invalid tax lien XXXX XXXX and they did apologize and deleted the information from my XXXX XXXX report and they have sent this information to Equifax. Equifax chose to remove one of the tax liens but refuse to remove the other. This is hurting my chances of obtaining the credit that I deserve. XXXX XXXX could not verify the tax lien belong to me. I asked the Equifax representative where was they getting this invalid information from and she stated that they received this information from XXXX XXXX, but XXXX XXXX sent them a request to remove these invalid tax liens almost 3 months ago. I should not have to suffer because Equifax refuse to remove an invalid account.
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today Hyundai reported me 30 days late. This is not fair credit reporting to a good paying customer.
the law office of Michael J. Scott filed motions in court in a small claims case, where another attorney was involved in suing me. Michael J. Scott has a different bond number that that of the attorney suing me.
Midland Funding did not provide adequate verification for debt in question. No documents were provided showing a contract or signature.
I was shocked when I reviewed my credit report and found late payment on the dates below : -IN 2018 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
There is a debt on my credit report from Midland Funding LLC. This debt was purchased from XXXX XXXX. The amount of the debt is for {$920.00}. This debt appears on the XXXX, XXXX and XXXX credit reports and has been reporting since XXXX XXXX. I have disputed this debt with all three credit reporting agencies with no progress. I have contacted Midland Funding LLC several times because according to their website I qualify for a hardship that is outlined on their online Consumer Bill of Rights, which states : Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify active duty servicemembers and stop collections from those servicemembers. 
We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

When calling Midland Funding LLC I 'm told each time by a customer service agent that no such program exists, after I explain that this does exist and it is on their website I 'm then transferred to a consumer care representative who then asks me what makes me think that I qualify for this program. I then explain my illness which is XXXX XXXX and that my income is only XXXX XXXX XXXX. I 'm then told that I need to contact someone named XXXX XXXX XXXX, who is an XXXX that works for Midland Funding LLC and work out everything with her office. I then explain to the CSR that the hardship is through Midland Funding LLC and that Midland Funding LLC is the business that is reporting this to the three credit bureaus. Then on every call I 've made I go back and forth with a CSR that I will not be calling any other office other then Midland Funding LLC because that office is not the entity that is reporting to the credit bureaus or the company that is offering the hardship. Midland Funding LLC then states that they will send an email to XXXX XXXX XXXX stating what I had stated to Midland Funding LLC and then I can call back in 7-10 business days to find out the results. I call Midland Funding LLC back in the 7-10 business days and then the process starts all over again, with no results.