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 XXXX 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 one 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.
Professional Credit Management continues to report a debt on my credit profile after I have disputed the account asking them to validate it is my account. They failed to validate the account with my social and my signature. They sent me an itemization showing what procedures were done at XXXX ( HIPAA violation ). I have no knowledge of the account so I asked for these pieces of information ( social and my signature ) to validate that it is actually my debt. The first letter was sentXX/XX/XXXX and the second one in XX/XX/XXXX. I have even offered to pay the amount they say I owe if they would remove it from my credit profile inXX/XX/XXXX. That request was denied.
I 've included an attachment to show when this account was opened. You will also see the remarks that shows I have disputed this. The opened date of XX/XX/XXXX also puts them outside of Arkansas Statue of Limitations for Medical Collection : Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
I have not paid anything towards this debt and continue to go back and forth with them over an account that is being reported outside of my state 's statue of limitations.
Toyota has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with Toyota. After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.
From Comenity Bank ( XXXX XXXX ) Creditor Repetitious calls every 2 hours ; From both XXXX & XXXX I explained my financial situation months back, and tried to pay this off, now with the interest and late fee 's I am unable to ever pay it off, my daughter was helping and she is now XXXX and we are unable to pay this off, i was going to try to send {$10.00} a month or so if they would go back to the original bill for me, however they only agreed to $ XXXX/monthly payments. I gave up and they have been calling relentlessly without leaving any messages even on Saturdays! Here is only one Example ; Friday XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX I have an answering machine, I am XXXX and no messages left.
Wired money from XXXX XXXX XXXX to Coinbase Inc. on :  XX/XX/2017 Amount : {$25000.00} Multiple e-mail exchanges with Coinbase automated response and support staff and 2 verbal discussions with Coinbase call support without any resolution. Coinbase support staff back dated an original email request for information 30 days from sent date seems odd and suspicious.
XXXX/TD Account Type : Credit Card Account Verified : XXXX Hight Balance:XXXX I payment on time, and payfull Balance, Why closing my account! No notification
For almost seven years, I have been paying on my student loans through American Education Services ( not who we chose, but the bank we got the loan through sold to this company ). I make my payment online. I also have been paying my brother 's loan for 4.5 years but his has had to be paid by check with very specific information so it goes to the correct loan ( which is what AES told us to do since his online account was blocked ). 

In XX/XX/XXXX, my brother started receiving late notices, though I paid his loan every month. At the same time, my normal monthly payment was different every other month. In XX/XX/XXXX, we finally realized that AES was applying the payments I was sending for my brothers account ( with the very SPECIFIC information that I had sent for 4.5 years with no issues ) to my account. I was able to speak to a supervisor and she was able to see what happened. She said they would take that money out of my account and put it back in my brother 's, but that my account would show a delinquency. I thought that was wrong since I had done nothing wrong and had fixed their mistake for them, but said I would make up the difference for what they took out of my account ( {$520.00} ). Which I did, in less than a month ( I called them XX/XX/XXXX and paid in full by XX/XX/XXXX ). The same day I made the final payment to correct their mistake, I got a notice from credit reporting agencies that my credit score had dropped XXXX points. My credit report also shows that I have 60+ days delinquency on these loans when I was NEVER late. Because they misapplied payments, then I corrected them, I was hurt for it. What they made to show online was that I had been late every month since XX/XX/XXXX so they charged me a late fee every month. AGAIN, I was never late. They were misapplying the payments. I was paying on time every month. 

I have submitted XXXX credit disputes with them and have had no luck. They are still continuing to say I was delinquent. 

On top of that, the next month, after we had this all straightened out, they misapplied his payment AGAIN. When I called to tell them I would not pay the balance on the screen ( that was the wrong amount since they had put my brother 's payment in my account ), they could n't understand why I would n't make that payment. Then after I made the correct monthly payment, I got a notice saying I was 18 days late because they misapplied my correct monthly payment and only paid XXXX of the XXXX loans I have with them. 

They continue to make mistake after mistake and take no responsibility for it. I have said to them " you would be fighting this too if it was your credit '' and they never deny it. Even an XXXX customer service rep could n't believe what was going on. 

If I had made this mistake, I would own up to it and take care of it, but I am being faulted for something I did not do wrong. It is not right.
On XX/XX/XXXX I submitted a debt verification letter to TSI in response to their collections credit reporting of private student loans owned by XXXX. This letter asked for full verification of debt including but not limited to documents showing chain of custody and TSI 's right to collect on the debt. TSI replied back with a packet postmarked XX/XX/XXXX with information showing a loan/request credit agreement -signature page, note disclosure statement and loan payment history for loans taken out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. TSI provided no information showing they had the legal right to collect on the debt by providing chain of custody paperwork showing transfer of custody from the original creditor XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX )  to XXXX XXXX XXXX, and from XXXX to XXXX XXXX XXXX. The CFPB settlement with TSI specifically states that TSI " Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. ''
I had a failure in one of my old HVAC units and I visited with the contractor who fixed it about getting a new system. When I did he told me they had a special 0 % financing for 36 months offer through Wells Fargo. I said that would be great let 's go ahead and do that. So the contact said well let 's see if you are approved for the 0 % financing. So we submitted information online to see if I would be approved fort he amount I needed to replace the units. I was not and that was the end of it. I told him to work on a way to get me approved for the whole amount or he would just have to wait till I saved my nickles to pay for the units outright. I thought everything was fine. A week later I received a credit card from Well 's Fargo for the amount I was approved for. I never knowingly agreed to open a credit card with Well 's Fargo and it is fraudulent for them to take my inquiry as authorization to open an account in my name. This practice needs to be outlawed and Well 's Fargo needs to be fined twice as much as they have made using this fraudulant and misleading new account sales technique.
On XX/XX/2018, I applied for a Title loan with XXXX XXXX in XXXX   XXXX, TX. Staff employee XXXX XXXX set up my account. I specifically agreed to pay monyhly {$100.00} to expedite the loan pay off. I received a check for {$460.00}. Each month I was not allowed to pay {$100.00} on my loan. I was required to pay other amounts lower than {$100.00} that I agreed to pay. Their required amounts that I was asked to pay were, {$97.00}, {$93.00}, {$87.00}, and {$91.00} which allowed them to control my loan not being paid as I had asked and they forced me to sign a new contract XX/XX/2018. Adding more interest to the loan. I had a very long conversation with XXXX XXXX and I accused her of running a scam on me just for the money. I also told her that there were over 100 complaints against XXXX XXXX for corruption against their customers and a former XXXX XXXX employee posted how corrupt XXXX XXXX is and explained how they cheat their customers. XXXX XXXX acted ignorant and said I am responsible for reminding them what amount I am paying. I have questioned them several times about giving me different amounts to pay. I recorded my conversation because XXXX XXXX is guilty of fraud refusing and denying me the right to pay the amount I agreed to pay. XXXX XXXX lied to me about giving me a choice of what payment plan I wanted and she never allowed me to pay the $ XXXX   monthly payment. I was very angry that she could sit there and lie. And this is how they cheat their customers.
My consumer credit report from XXXX XXXX XXXX XXXX contained an unknown and unauthorized inquiry from a company called CNU Online Holdings for an alleged payday loan. I have never had a payday loan from any company yet XXXX stated that it had been verified without providing any tangible and legal proof. My contact at XXXX is a lady named XXXX and her number is XXXX.
XXXX XXXX XXXX originated this loan in 2004, then sold the Loan to XXXX XXXX that is now being serviced by Nationstar Mortgage. I periodically call to check my account status because I do n't trust these folks and now find out independently through XXXX and confirmed by a realtor who pulled a title report that my property was foreclosed on years ago, but yet my monthly mortgage payments are accepted, annual mortgage interest statements continue to be generated and they tell me my account is current. I have made several calls, escalated the calls past the newby customer services people, assured that it will be researched and still no results.
When I was first asked to start making my payments I asked questions about loan forgiveness from several representatives because my daughter who is responsible for this loan is a Delaware XXXX. From the beginning Fedloan Servicing has constantly gave us wrong information. They are absolutely horrible and their representatives answering the phones are clueless and have no interest in helping the young people today burdened in loans. Several times I mentioned about the loan forgiveness program and I was told all I had to do was tell them over the phone since they were the loan agent which I did giving my daughter 's information to them. I was told she was enrolled and to just make 10 years payments and at the 10 year mark everything stops. This is on recordings I am sure because these people record EVERY phone call. I became skeptical several times hearing adds about how organizations help get loan forgiveness ( another farce who preys on our young students ) so I called several times spoke to a representative and was told NO your daughter is fine already in the program. 
Recently when the payment went up I called to speak with a representative to understand and at that time I was told no your daughter is not in the loan forgiveness program!!! and we now have to fill out forms and the payment would double what it was now if she chose to get in furthermore the 2 plus years of payment do n't count!!!!!! Someone tell me how someone representing the federal government can be so clueless and not provide the correct information. Fedloan should be released immediately and NEVER provide anything to our young students. They are an absolute nightmare. All I got is we are sorry from the last representative I spoke to, she is sorry. Also in 2 years my daughter only reduced her loan XXXX dollars!!!!!!! So they made 2 years interest looking at my checks!!! I would like someone to look into my claim. As I said I know they are required to tape all conversations and this will prove my accusations against these clowns. My Daughter is XXXX XXXX XXXX she has a student loan with FedLoan Servicing, I can provide all the information you need. 

Thank you XXXX XXXX XXXX
AFNI put a XXXX collection on my credit report. I did not receive notice from this company.
I bought a {$2300.00} refrigerator and a {$2000.00} washer/dryer from Home Depot on a promotion in XXXX 2014. They never sent me a paper statement because I was enrolled in " electronic '' statements. Whenever I received an email, I would just logon and pay my bill. Suddenly, i am billed right at {$1500.00} for deferred interest. When I downloaded my statements, none of my payments went to the promotion for a whole year! Has this happened to you? When they charged me {$1500.00} in interest, it put me way over the credit limit XXXX which they lowered unbeknowst to me XXXX. This is probably the most shocking thing that has ever happened to me as a consumer.
In XXXX XXXX, 2016 bought car and have it financed with Quality Acceptance in XXXX XXXX Californian. My payment began on XXXX XXXX, 2016. My payments were make on time but were not posted to my account. I make payment at XXXX stores ( Pay near me ). I have sent copys of payments but still show that I 'm a month behind.. Pay near me as also emailed company confirming these payments The company also increase my payment with out my knowingly. 
I have send them copy of my insurance. 
I never have receive a written contract about financed. Just an introduction letter.
I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts XXXX XXXX XXXXSouthwest Credit Systems XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
A collection account from XXXX XXXX XXXX that was previously removed from my Experian credit file was re inserted onto my file. This account was included in chapter XXXX and should be not be listed as it was previously removed. This account is not collectible due to it being discharged
In my opinion, Bank of America may have sold my loan to XXXX XXXX XXXX XXXX for pennies on the dollar. 

If so, in my opinion XXXX XXXX XXXX XXXX paid about {$110000.00} for my loan or less. 

Bank of America at that time claimed I owed {$200000.00} and therefore XXXX XXXX  XXXX XXXX could and would collect that amount from me. 

Or, did Bank of America only transfer my loan to XXXX XXXX XXXX XXXX without the exchange of monies and claim that they sold it to them. 

Its unfortunate, but every time I made a request for documents from Bank of America the legal team/personnel each and every time responded with unsound unrealistic insincere rhetoric diplomatically stating that they dont have to respond to my request or requests. 

I would like for the Bank of America legal team/personnel produce the below documents without diplomatically stating that they dont have to.
I opened a citibank citigold debit account in XXXX 2015. There was a promotion at the time for the following clauses. 
*Make 2 payments with your debit card in 2 consecutive months. 
*Make a deposit to your account in the first month. 
XXXX thank you points will be credited to your account in 90 days. 

I called after I opened my account to confirm my eligibility to the promotion. Result was positive. 
I called 3 more times in the next 2 months to check if I am fulfilling the requirements and operators was positive about it. 
I called one more time after I match the requirements, operator was positive and affirmed me about bonus points. They mentioned in will be deposited soon. 
After a month I called again, they said it will be credited latest 90 days. 
After 90 days I called again, they said I am not targeted for the promotion and I wo n't be getting any points. I started an investigation on their end. 
After a week investigation resulted with the same conclusion. I assured them about my many calls and how they said, I am eligible and I will be getting my points.
I have repeatedly told this company this is NOT my debt. They keep telling me that this is all of my info and I keep telling them this is what happens when there is IDENTITY THEFT. They are rude, call numbers that should NOT, do not follow all of the laws of collections when they are advised of identity theft. I have advised them before and asked them if they would like a copy of my police report and I always receive a response but nothing to follow behind that.
I have received a letter of collection from Caine and Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, on behalf of XXXX XXXX, pursuant to their account number XXXX, in the amount of {$190.00}. This apprarently pertains to a cruise that I took in XX/XX/XXXX, with the XXXX XXXX ship, reference XXXX. At the end of the cruise on XX/XX/XXXX, my XXXX credit card was charged some {$540.00}, which was the full amount owing for my trip. I was dissatisfied with various aspects of the cruise in question and requested a refund of {$50.00} of the money paid to XXXX XXXX in the sum of {$540.00}. XXXX denied a refund and I initiated a request to have XXXX adjudicate my request, which was done pursuant to Federal Law. XXXX determined that my request was correct and they refunded the amount in question to me. I assume that they removed that same amount from the accounts of XXXX, but I have no factual basis for that view. Nevertheless, I did not acquire a refund from XXXX and I paid their bill in full at the time they rendered it to me. Please note that at the time I paid XXXX for this cruise, I was a resident of California.
XXXX appears to be one of the main co-conspirators in the huge RACKETEERING CASE that was given the go ahead to proceed against XXXX and nasty old Bank of America. I have been trying to get the CFPB to do something about this for OVER FIVE YEARS and not even a reply and attempt to help!!! 
I know our very own government is in on all this and that is why the CFPB, OIG, USDOJ and so many others refuse to see the light and take action on behalf of millions of property owners like me who have been totally taken advantage of with wrongful foreclosures and contninue threats and demands regarding phony, forged, fabricated, even " robo-signed '' documents!! 
I hope the new administration will put an end to all this and finally do the right thing. Most people know that XXXX has been acting in a false and misrepreseting way knowing full well that XXXX and XXXX were taken over by our own government in the FHAF and GES that took over these private companies back in XX/XX/2008.
I am concerned with my credit file with Experian, there are credit items that I am asking to be disputed from XXXX XXXX # XXXX, XXXX the same. XXXX XXXX XXXX. XXXX XXXX. XXXX in XXXX. There are inquiries also on my credit file that should not be there or should be taken off by now, I did not ask XXXX XXXX, XXXX XXXX, XXXX which was never taken off. XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Names ID XXXX, these are some of the items I question that are still on my file. When will they be updated and investigated and corrected.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30-DAY LATE PAYMENT XX/XX/2018 - 60-DAY LATE PAYMENT XX/XX/2018 - 90-DAY LATE PAYMENT XX/XX/2018 - 120-DAY LATE PAYMENT 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.
I keep getting harrassed by people at : Tate & Kirlin Associates, XXXX. 
XXXX XXXX XXXX, PA XXXXThey call multiple times per week stating this is a personal business matter, now I have recently settled a lot of old debts and they are trying to collect on an account I have paid already. One person asked for my social security number and the next person asks for my birth-date but I am not comfortable giving that info out to a company that has so many complaints filed against them. I just applied for a mortgage and nothing negative came up on my credit report from this company. I would like the to stop harassing me with fowl language and yelling.
I keep getting junk mail from NetSpend. They want me to have my pay check deposited in their system. I have requested several times for them to stop contacting me & delete my information. I am sick of this. Each time they send me their XXXX junk mail with pre-paid card and mailing information, I have to have it destroyed or risk my information being stolen.
Bank of America received funds from insurance payouts and never notified us. They held the funds for 4 years and hired contractors who did work on our property. No one ever verified the work was done and it was negligent causing more damage to the property. The contractor who did the work went as far as to cover the hole in the side of the house with out making necessary repairs to preserve the property. We are unable to go after the contractors because we did not have a contract with them. Had we been notified of the funds being received we could have made the repairs ourselves and been back in our home 4 1/2 years ago. Bank of America knowingly withheld funds intended for repairs and they call it a miscommunication. We have tried working with the states attorney and they have been unable to get a resolution. Bank of America continues to dodge questions and avoid responsibility.