WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX, XXXX, and Transunion, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
I visited a merchant in XXXX, XXXX and purchased a {$20.00} hat with my Barclays credit card back on XXXX XXXX, 2017. The merchant charged the correct {$20.00} to my card, but seems to have also fraudulently charged {$120.00}. I disputed the charge with Barclays because I never authorized it, was never made aware of it by the merchant, and it was fraudulently charged. Barclays responded that they would not remove the charge because the " chip was used. '' The merchant asked me to hand him my card so he could run it, I was unable to see what he was doing on his end. When he showed me the screen, the correct amount of {$20.00} was displaying, so if he did it before showing me the correct amount, I have no idea. The purchase was not treated as a Chip + PIN purchase as it never prompted me to enter my PIN. I could understand Barclays argument if I had entered a PIN, but just because the card 's chip was used does not mean that I authorized the charge. By that flawed logic, one would be responsible for charges a waiter makes when he takes your card to the " back '' to run your bill. I am sure that neither Barclays nor the merchant will be able to produce a signed receipt in the amount of {$120.00}. Barclays went even as far as issuing me a NEW card with a different number when I reported the incident, but refuse to refund me the {$120.00}.
XXXX XXXX of Finance America told my husband, XXXX XXXX and I that we were preapproved for a program that required no down payment and was 100 % financed. She put our information through the automated system and said we were approved in XX/XX/XXXX. We assumed we were set with financing so in the spring we paid {$3700.00} in deposits for upgrades to a condo under construction. When we went to secure financing in XX/XX/XXXX for our early XX/XX/XXXX close date we were told we did n't qualify for financing and were abruptly dismissed. We have been homeless for 2 months and are currently out of {$3700.00} in deposits to the builder who refuses to refund us. We never would have paid the deposits if we did n't think financing was guaranteed. We also just found out in the preapproval letter she only wrote in conventional loan which we knew was NEVER an option.
XXXX XXXX, XXXX my mortgage ( including escrow ) increased by {$350.00} a month primarily due to my taxes increasing due to an {$8000.00} energy loan I made to repair damages to my property for an insured flood loss I suffered in XXXX XXXX. I applied for a loan modification to my mortgage company and while in processing in excess of 2 months, they sold my mortgage to Freedom Mortgage and I commenced the process over again with them. Finally they offered my a modification that only decreased my payment by {$180.00}. This low amount does n't really help me. I am a XXXX year old XXXX unable to get employment, living on social security retirement a couple of small pensions. I have a " special needs '' XXXX daughter who is now XXXX yrs old. As a result of unexpected expenses my credit card debt balloned to {$46000.00}. I did credit counselling and entered into a debt repayment plan to pay off my credit cards ( now closed ) over a 6 year period inorder to save on excessive interest payments although I am paying off the entire debt, but at a lower rate of interest. 
As my financial hardship was not alleviated by the modification and my debt repayment program, I counseled with HUD who told me I should apply to KYHC. I did and after a very long processing period with many documents provided, they just approved a principal mortgage loan reduction XXXX XXXX ( although they would not provide me the details ) and sent it to Freedom Mortgage for their acceptance which they said would take approx 3 weeks. Then KYHC called me back the same day ( yesterday ) after I made the inquiry and I was advised that Freedom Mortgage denied to accept their principal reduction plan because I am in a 3 month trial modification. This of course both parties were always aware of from the beginning of this frustrating process. I can not accept that Freedom Mortgage will not accept the KYHC assistance is offering me. I am desparately trying to hold onto our home as I simply ca n't be homeless with a XXXX year old to take care of and I ca n't afford to pay what the rental market requires if we lose our home. KYHC advised me today that they will close my file without even allowing me the opportunity to dispute Freedom Mortgage 's decision. I was lead to believe that KYHC was a federal program to help home owners save their homes. Both entities have put me through so much over many months to now end up with this unsatisfactory result. If the lender now has the option to deny the aid I have been offered, what is the point of putting someone through all of this when they are already suffering a hardship. Please help me get Freedom to comply. I am not providing documents as KYHC has approx XXXX documents as does Freedom Mortgage Thank you. 
Respectfully yours.
On XXXX XXXX, 2016 I walked into Zales Outlet in XXXX Mall XXXX XXXX XXXX XXXX XXXX FL XXXX. To purchase a engagement ring and wedding band for my future wife. My plan was to pay cash as I had the money in my pocket to buy the ring and pay in full. The sales person that attended me was very nice and helpful about finding a ring and even helped me decide between two different ones, when it was time for checkout she asked me if I wanted to apply for a Zales card and I politely declined and stated that I was going to pay cash, she then offered me to apply for a Zales credit card again and said that if I got approved she will give me a nice discount on top of the Zales card discount, she said that there was a great promotion of NO INTEREST for the first year. It all seemed perfect so I went ahead and applied got approved and left very happy. Now a year later when I check my Zales account to see how much I owed after making over a years worth of monthly payments I come to realize that I owe more now then the original purchase price. When I called Zales they said I had 1 year of deferred interest and that after the 1st year all the interest no paid would kick in. I was in awe and felt deceived & defrauded. I tried to work something out with the credit card company ( Comenity Capital Bank ) but they refused to do anything about this, I even offered to pay my pre-interest balance in full with maybe a few months of interest and they also declined. The person at the store never said anything about deferred interest and they promote the card as interest free for one year, because they get bonuses for selling this. Please help me if possible and stop these people from defrauding others.
I had a security question that I once resided at XXXX XXXX XXXX XXXX, NY.I replied 'NO ' that I never resided there and was unable to access my credit report. I never lived there, however my ex-husband lives there. I reported this to Experian in the past and I never received a written response although I sent a letter with proof of divorce etc.. Please have that information removed from my report.
We have a credit card through XXXX that closed in 2012 in the amount of {$6200.00}. 
The account was sold to Midland Funding, and they have since been charging interest on the account as if it is still open, but we have documentation from XXXX that this account was closed. Since purchasing this account from XXXX Midland has added more than {$1000.00} extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra {$1000.00} that we do not owe. I have spoken to XXXX and this account was sold in XXXX of 2012 and Midland purchased it in XXXX of 2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to XXXX to have them give us all the information. Why are they charging more money when the account has been closed since 2012? Documentation from XXXX will be provided along with my credit record showing that Midland is charging on this account still.
When we first got our loan from 5/3 bank, things were good. Until we got our tax bill from XXXX XXXX the following year. Apparently out taxes were not being paid by our mortgage company, even though we had an escrow account. After talking to 5/3 at length about the issue, they then paid the taxes, late fees and all. This is important to note since after talking to XXXX XXXX, they said had they not paid it right away, they could have reduced the late fees. This essentially cost us thousands of dollars. This shocked me because instead of our mortgage company going to XXXX XXXX and trying to reduce these fees, they were more interested in causing us more hardship. The really messed up part is that they rolled those late fees, which were all because of them into our escrow shortfall. Now maybe that is my own fault for not arguing with them to get that fixed at the time, but I did n't think that they were looking to essentially take advantage of us. I actually trusted them. Now here we are 1 year later and we get another increased bill because 5/3 did n't question the tax bill. While I understand that if they get a bill from the city/county they have to pay it, but it was pretty obvious to me at one glance that when my summer taxes doubled, that there was a mistake by the county/city. So instead of a mortgage company looking out for it 's clients, all they did was take advantage of the situation. They raised our bill and to compensate for the shortage. I have since called the county/city and they have stated that it was an obvious error and had they been alerted to it earlier, they could have corrected it before the payment was submitted. They sent it to the board and have revised the taxes. I have sent this information to 5/3 and they said that they will not correct the issue until they talk to the county, which is funny that if they had done that in the first place none of this would have happened in the first place. So now they want me to pay the increased bill even though we ca n't afford it and they are threatening us to make the payment. I have explained that as soon as we get this check from the county/city, we will make our payment. It has become clear to me that this company is all about getting more money from their clients then they are about actually take care of their clients. They have taken advantage of us and done nothing but done so unethically and negligently.
This involves a closed " derogatory '' account on my Transunion credit bureau report.     The original creditor,  XXXX   XXXX   XXXX   XXXX  , reported a past due credit card account to the Transuion credit bureau in  XXXX . In  XXXX ,  XXXX   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This acco unt (   XXXX   XXXX   ) has  since ( and is currently ) reported as an " open collections '' on my Transunion credit report.     The problem that I have is that the original  XXXX   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a  XXXX   XXXX   XXXX   XXXX   " closed account '' and once as a  XXXX   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice  by one singl e account.
( 1 ) As of XXXX Exeter XXXX finance has stopped providing me with monthly statements and additionally, has failed to provide me a detail breakdown of how much interest has applied daily to my account with a daily balance despite numerous requests. 
( 2 ) Exeter finance took my whole {$400.00} in interest for an online payment submission that was not submitted to my bank which was no fault of mine neither was I notified that the payment was unsuccessful. 
( 3 ) As of XXXX/XXXX/2015 after my most recent monthly payment of {$400.00} Exeter finance has posted a balance dated XXXX/XXXX/2015 ( see account summary attached ) {$9700.00} however as of XXXX/XXXX/2015 I still can not see what my current balance has reflected to date since this summary balance statement has a date for four months down in the future. My husband and I have paid over $ 5000- {$6000.00} on the car already and we still have a high balance as well as we are unclear how high the exact balance is. 
( 4 ) The car paint faded in two-three weeks after we purchased the car as if the paint is burnt out. we felt we were shorted on that end also.
I went to ACE Cash express yesterday XXXX XXXX at about XXXX XXXX. I was denied the payday loan because I was in the military. That would of been discriminating, I looked father into it and realized it was the governments fault that I was not able to receive the loan I needed. I needed the money to pay for rent on the XXXX, I would have been able to pay the full amount of only {$300.00} next paycheck but because of the MLA I was denied and late on my rent loan company would of been payed back in full a week later on the XXXX now I 've got problems with the renters. 
Oh on top of that I get charged a XXXX by the loan company just for talking and denying me. 
I want something done about this problem it is not fair for people to be able to get a payday loan that ca n't afford to get one when others that can ca n't get one.
Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for loans and credit cards they even tried to steal my mail from my house, they applied XXXX XXXX twice separate dates, i haven't use my credit for more then 10 years because of this problem my life is ruined because of identity theft, please remove this 2 inquires from my credit report, even if it matches your information that doesn't mean i applied for it, thank you.
I have sent in disputes to Equifax on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.
In XXXX my car was repossessed. I was never notified by Santander of any action being taken. Pursuant to Georgia Law 10-1-36 it states a deficincy can not be claimed unless all of the required notices were properly sent. I requested the legal certified documents from Santander on XX/XX/XXXX via XXXX  showing proper protocol was taken. My letter was delivered on XX/XX/XXXX. I received a response from a secondhand company XXXX XXXX on XX/XX/XXXX, which was a settlement letter. No certified documents have been provided like requested in the 14 day time frame which considers the deficiency null and void.
On XXXX XXXX, 2016 I applied for a loan online, for {$400.00} through Big Picture Loans. After applying and being approved, Big Picture Loans sent me an email with the disclosures that were not available prior to applying. The details state that an APR of 1018.7613 % is being charged, making the total fees {$1800.00} for the loan. To date I have made XXXX payments of {$140.00}, and the principal of my loan is still at {$400.00}. I have paid back {$560.00} as of XXXX/XXXX/2016.
Champion Mortgage Keep sending me Fraudulent Claim, what is not, on my Mortgage Note. Champion Mortgage Chooses to apply a Advance Payment to the Mortgage Note in which I never requested no is it allowed under the term of the Mortgage Note. 
They send me a DEFAULT DUE to non-payment of TAXES and INSURANCE in which I always Paid from since I obtain the LOAN Champion Mortgage has the Home Owner Insurance Policy the carrier and the Agency.
On approximately XXXX I began a two ( 2 ) year security contract with : XXXX XXXX XXXX XXXX XXXX, TX XXXX. When I tried to cancel my contract my contract in XXXX XXXX, I was informed by XXXX That I could not cancel my contract because it was self-renewing. I disagreed with their claim and requested to speak with the cancellation department which informed that I had another extra year to go prior of allowing me to cancel the contract. For several months I attempted to cancel my contract and I offered them a total payment of {$220.00} which was the amount that I owed until XXXX XXXX. My offered was rejected and they will not accept the payment neither they would cancel the contract. I did not receive any notification from the collecting agency. I noticed this irregularity when I ran my credit report via a free app called XXXX.
Hi, Complaint about : Coinbase.com Complainant : NY resident since XX/XX/XXXX, here on a 5 years XXXX XXXX XXXX XXXX. Subject : Coinbase allowed me to buy {$500.00} worth of Litecoin ( LTC ) then almost immediately blocked my account and prevented me from accessing my funds, not allowing me to sell or transfer to another electronic wallet. Their support first said they could not do anything for me, then ignored my messages by email and by private message on their @ CoinbaseSupport account. I am asking for my funds to be liberated so that I can transfer them to another electronic wallet or be free to sell if I wish. Chain of events : -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX : I buy {$500.00} worth of Litecoin ( XXXX LTC ) by wire transfer. My account is not locked. I am informed the coins will be available on my balance in 5 to 7 days. XX/XX/XXXX : I register to their trading XXXX ( XXXX ) but am informed that my account is blocked and I need to provide proof of identity. I provided : Passport, XXXX VISA, last 4 digit of my SSN, Occupation, employer, source of the funds & multiple bills and statements from XXXX XXXX, XXXX XXXX and others, showing my address. XX/XX/XXXX : - Support replies informing me I have to try again with a state ID or driver 's license. - I reply informing them I have no such ID because I am here on a visa, and I send them a copy of my passport and visa again. XX/XX/XXXX : - Support replies informing me they have manually verified my identity, but ask me to attempt to verify my identity again on their automated system. - I attempt multiple times, but their system does n't find me in public records : " Unfortunately, we could not find an identity matching the one you provided. This is common for those that are considered minors, between the age of XXXX-XXXX, or those that may be new to the country and have not established a presence in public data. '' - The website then blocked me. - I receive an email telling me my identity is verified ( XXXX XXXX XXXX ), but when I login to the website, my account is still blocked and still ask me to verify my identity. XX/XX/XXXX to XX/XX/XXXX : - I attempt to to verify my ID with their automated system multiple times with variations of my address. It keeps not finding me then blocking me. XX/XX/XXXX : - The Litecoins are now available on my coinbase account balance. - My account is still blocked. I am forbidden to buy, sell or transfer the currency I own out of coinbase. Its value continues to depreciate. - I keep trying to verify my identity, without success. XX/XX/XXXX : - I receive an email telling me they were unable to verify my identity ( XXXX XXXX   XXXX ), contradicting the email they sent 4 days earlier confirming my identity. - I reply to the support ticket informing them of the issue and asking them to unlock my account. XX/XX/XXXX : - I contact coinbase using a private message on twitter ( XXXX XXXX XXXX  ). The messages are confirmed received and read, but the person who read it ignored it and never replied. I inform them of my intention to file a complaint with the CFPD if they keep ignoring me. They kept ignoring me. - I file this complaint.
Equifax has a mixed report for my name. It includes credit accounts for myself AND my father. I called today and they would not fix over the phone. 

I am applying for a mortgage and cant get approved until this is fixed. There is no issues with the other major credit reports - only Equifax has a mixed report.
I got a call on my cell phone, work phone, and a friend 's phone from a XXXX XXXX XXXX stating that, " I am with the legal offices of XXXX and XXXX, we have been retained, we have multiple infractions, several violations being filed against you in our office. At this point there is a pending services summons involved. If you wish to settle this matter before we seek appropriate relief before the courts of proper jurisdiction at all, I strongly suggest either you or your legal representing party return this call before XXXX XXXX eastern standard time this evening. My toll free number is XXXX. Thank you. '' I called the number and a XXXX with Client Services answered the phone. I asked what business I was calling and he said I was calling an attorney. I asked again, what business the attorney worked for and was told that he didn't want to re-hash everything. He wanted to know if I wanted to handle the debt I owed before they took legal action. He said I owe {$120.00} to Advance America which has been paid off for years. I asked who owned the debt and he said " XXXX XXXX ''. I AGAIN asked for their mailing address and was told AGAIN that he didn't want to re-hash anything. He asked my to confirm my phone number and DOB and wouldn't give me any info. When I told him I was going to report him to the FTC, he started SCREAMING at me to pay my debt. I hung up. This is clearly a scam and they need to STOP CALLING people. 

Please note that they called from a local number of XXXX but the call back number was out of state. 

Thanks!
I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file.