WillisBack/dataset-financial-user-claim huggingface dataset:
In the last six months I was looking at cars. I had a used car dealer run my credit 8 times that I did not authorize. After a few months I saw my credit report and was shocked I had so many inquiry 's on my Experian credit report. I did not authorize these inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these unauthorized inquiry 's to be removed. These inquiry 's are negatively effecting my ability to use my credit. There should be more control over people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.
Navient steered me into forbearance instead of duly providing information about income-based repayment plans.
Equifax failed to take even basic and rudimentary security steps to secure my data that would be commonplace even 20 years ago. 

Kept all of my information in the same database so that 1 key works for the whole kingdom and now my ssn, dob and address are all up for grabs to whoever wants them.
To Whom it may concern, On XX/XX/XXXX, after submitting 2 years worth of documentation, we were delighted to receive a letter from Nationstar mortgage that my wife and I were approved for a trial modification. The letter stated that if we made 3 consecutive payments we on time, we would qualify for a permanent modification. We signed the agreement the following day and sent a check for the agreed upon payment. We made certain for the subsequent 2 months, we made the next two payments on time as agreed. I even wrote on all 3 checks that by depositing the checks, they are agreeing to the terms of the modification as well, just to be safe. 

We had not heard anything from Nationstar Mortgage or received documentation for the permanent modification. On XX/XX/XXXX after we complied with everything Nationstar requested including making 3 consecutive payments on time, they sent us a letter that said the funds were applied incorrectly. We tried calling several times to find out what this letter meant and they would not give us any information as to why they were not honoring their agreement that they had given me in writing. 

Shortly after, they sent me a check totaling 2 of the payments I sent. I called and asked why they only sent two payments back and kept one and they would not give me an answer. 

I then proceed to call XXXX XXXX of the firm XXXX XXXX, that was representing Nationstar and he was nasty and told me I never got a modification, even though I told them I received a letter from Nationstar. He told me to just rip it up because its invalid. 

I have been lied to, deceived, and mistreated. I have a document in writing that i complied with and Nationstar didnt honor. I want to put in a formal complaint with Nationstar Mortgage as well as XXXX XXXX. 

Thank you XXXX & XXXX XXXX
I called in today ( XXXX2018 ) to discuss an issue with a billing cycle change and was told that my call would be recorded. I asked if they would provide me with a copy of the recording if I requested it. They said no. I then told them that I would record the call as well. They told me that I could not do that and they would terminate the call if I recorded it. 
I asked why they could record the call but I could not. No answer was provided other than that is their policy. Why is Chase Card Services entitled to record the call but I am not?
On XXXX XXXX, 2015, I went to the Fifth Third Bank in XXXX, IL and closed out my account in person. I was assured that the account was closed. XXXX XXXX re-opened this account after unauthorized and/or fraudulent charges attempted to come through. They did not pay anything, but proceeded to charge upwards of XXXX NSF charges. They never contacted me by phone or mail to let me know the account was re-opened. They simply sent me to a collection agency. In addition, no statements were provided or overdraft letters. Finally, my contractual obligation with the bank ceased when I ended my relationship with them. Finally, how can a bank charge over XXXX NSF fees when they were not out any money??
In XX/XX/XXXX we signed a HFA refinance that contained a 60 month " Monthly Insurance Premium ''. The original mortage holder was XXXX XXXX XXXX XXXX That loan was subsequently sold to XXXX XXXX XXXX XXXX and then to Rushmore Loan Management on XX/XX/XXXX. 
I have contacted Rushmore on several occasions, plus sent them copies of our mortage that definitely shows that the " MIP '' was for 60 months only. Our paperwork indicates that as of XX/XX/XXXX we no longer have to pay a monthly " MIP '' premium. 
Rushmore will not honor this paperwork and continues to assess us a monthly " MIP '' premium. They state that our loan principal is not at 78 % " LTV, base upon the XX/XX/XXXX property appraisal that was performed after our renovation work had been completed, therefore our monthly insurance premium can not be removed. 
I keep explaining to Rushmore that our paperwork was processed prior to the XX/XX/XXXX " MIP '' changes and that our " MIP '' is only for 60 months, but they will not tell me why they refuse to honor the documentation that I submitted to prove this statement. 
Rushmore further states that since our mortage is FHA, we can not even request a property re-appraisal. 
At this point, they now tell me that they can no longer help me, nor do they send out the documentation that they say they will send. All contact with Rushmore representatives has been not only confusing, time consuming, but extremely frustrating as well. 
Please review my documentation and advise if I am correct in my assumption that we should no longer owe a " Monthly Insurance Premium ''.
Equifax will not correct errors that they placed on my credit report. I have XXXX Student Loans XXXX (Account XXXX). Equifax is reporting that I have XXXX loans. A few weeks ago they were reporting that I have XXXX student loans, so I disputed the XXXX loans opened in XX/XX/XXXX. Equifax did not remove them, despite the fact that I provided them my Loan Verification letter XXXX. Equifax instead, listed those XX/XX/XXXX loans again, making my credit report now show that I have XXXX student loans. This brought my score down. My credit report by Equifax, is showing that I have XXXX unsubsidized student loans opened XX/XX/XXXX with XXXX loans having a balance of $XXXX (adding $XXXX of debt to my credit report). They are also showing that I have XXXX subsidized loans opened XX/XX/XXXX, with these XXXX loans having balances of $XXXX each, (adding an additional $XXXX of debt to my report). Not only are these accounts showing up multiple times increasing my debt amount, but they all have a note saying I missed a payment. So my credit report shows derogatory remarks for all XXXX of these accounts and notes that I missed a payment when I don't even have these accounts. The XXXX loans that I actually do have XXXX are also being reported by Equifax; they are being reported correctly on my report and were opened XX/XX/XXXX and XX/XX/XXXX. When I XXXX disputed the information with Equifax, they did not send me an email confirmation of my dispute. A week later I tried to check the dispute online and was not able to. A message came up telling me to send a copy of my Driver's License to them. I did that with the dispute form as requested. I still did not receive the confirmation number for my dispute. Instead, when I went online to check my credit report, they had XXXX more loans added to my credit report, with notes saying, "Consumer disputes items." I was also not able to check my dispute online. I called XXXX about the issue and they told me there is no reason Equifax should have seven loan showing on my report. They told me that as long as I send them the Verification Letter which they provided to me, the error should have been corrected. It was not. I am trying to improve my credit score to get pre-qualified for a home mortgage. Lenders heavily rely on the information reported by the XXXX major credit bureaus in order to determine if a person qualifies for a loan. That is why the information should be accurate and up-to-date. Equifax is causing me extreme stress right now by reporting inaccurate information on my report, by not allowing me a way to communicate with them or check my dispute status, and by adding things to my credit report instead of fixing the problem. I would appreciate it if someone can look into this, and find out why disputed information would show up as a new account on my report increasing the amount of loans that I have. Instead of being looked into and removed. Equifax is the only credit reporting agency that has this information wrong and I don't understand it.
This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, XXXX or Transunion publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. I understand that XXXX, XXXXXXXX or Transunion should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and Mortgage Shopping for my home loan. These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX (  XX/XX/XXXX ) *This inquiry is 2 years old. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. I recently received a copy of my credit report from XXXX, XXXX or Transunion and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. I have a Fraud Protection on my file so those inquires were not authorized by me. I advised XXXX, XXXX or Transunion, to no avail.
When checking Experian, I saw my credit score dropped due to an unpaid balance of {$3000.00} on a XXXX account. I have one chase account that is paid off. Once I made a dispute claiming this was fraud and not my account, then removed it from records. I, then, received an email updating my credit score dropping an additional 18 points. This account has drastically reduced my credit score and I promise myself in having a very good score. Please advice as XXXX nor Experian will assist.
I have been receiving several calls from this number, asking to speak with my son. I informed them that he does not live here and I would appreciate it if they stop calling my phone. I receive calls everyday from this number even after I have asked him to quit calling me. This morning I was contacted by a female representative who told me that she was working on a project with my son. I once again ask them to stop calling my number, and inform them that he does not live here. I am tired of the harassment every day.
This company employs very verbally abusive people to yell at those they call. They threaten, mock, interrupt attempts to speak, and refuse to listen to requests for change of venue for paperwork served. They hung up on me several times when I just wanted to request a change of venue. When I said I would dispute the charges, they again hung up after yelling at me.
The amount of this car loan has been taking care through wage garnishment XX/XX/XXXX. Lobel Financial continues to change the status as judgment to charge off. It has been affecting my credit for the last 8 years. I have paid over {$11000.00} into this debt ; however I continue to accrue interest on the original debt that was roughly 14k. Today when I called the sheriff office i was told that the balance to satisfy this debt is another {$10000.00}. The car at this point is only worth {$1600.00} ( which Lobel Financial repossessed in XX/XX/XXXX ). When I've called the company they just give me the run around telling me they aren't allow to give me information about the account ( not even the account number associated with this car ) and suggest I call the county sheriff office for more assistance. That call leads me right back to square one because the sheriff is only collecting the money nothing else.
I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as Wakefield & Associates I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle Wakefield and Associates for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay XXXX in full but I need for this item to be removed from my credit and I need a letter prior to paying.
XXXX XXXX sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. XXXX XXXX XXXX XXXX XXXX claimed that they bought the credit card account from Citi Bank and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX XXXX? This is hurting many working families in XXXX XXXX and I feel that it is causing more damage than the XXXX XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.
Frost Bank has reported late payments on all three credit bureau 's when payments were made on time.
I Opened a Checking & Saving account combo with Citibank on XX/XX/2018 under an offer that if Within 30 days of account opening I deposit {$15000.00} and Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days then {$400.00} Cash Bonus which will be credited to my new Eligible Checking Account within ninety ( 90 ) calendar days from the date I complete all offer requirements. 

To Give details - a ) Account Opened on XX/XX/2018 b ) {$15000.00} Deposited on XX/XX/2018 -- > This completed the requirement of depositing $ XXXX within 30 Days c ) {$15000.00} was maintained from XX/XX/2018 to XX/XX/2018 -- > This Completed the requirement of maintaining $ XXXX for 60 days d ) Since i completed all conditions on XX/XX/2018, i was supposed to get Bonus of {$400.00} 90 days after XX/XX/2018 which was XX/XX/2018 but i haven`t received my bonus. 
Reached out to Customer care many times but the customer service is very pathetic. 

Please help
I received a call at work and my coworker answer she said there was a XXXX XXXX on the phone and that it was regarding an urgent family matter as soon as I got on the phone, this man said he was a case processor and said that there was XXXX complaints against me by the state of California and that if I would like to speak with an attorney to do so and he said it was regarding a payday loan that was unpaid and that they were going to sue me? He had also left a voicemail on my phone saying good luck to you in th next couple days. I found this very harassing
I am working receiving limited invome a month and paying my monthly health and medical insurance. Loan Servicing and Freedom Mortgage gas increased my mortgage for the past year. I have no other income and my mortgage is taking my whole check leaving me very little to pay my other utilities. I went back to school trying to get a better job but that has n't happened yet. I have to have a car because i have no other means of transportation. I am very depressed. This is a home me and my husband purchased when he wss living. I just feel that the mortgage compsny is not looking out for my best intrrest. I have nobody to turn to. Please help and tell me what i can do. At the end of my rope.
I have been enrolled in the Rate Reduction program with Navient for the past XXXX years. Every XXXX months I have to reapply and the interest rate is adjusted. To be on this program, Navient requires a direct withdraw from my checking account. For the past XXXX years, my monthly payment has been allocated incorrectly between my multiple loans. Each month there are adjustments made to move the wrongly allocated payments to my other loans. This renders my statements useless as a tool for me to understand how my payments are being distributed, how much is going towards interest, how much is going towards my balance, etc. 

Over the years, I have attempted to fix this problem with Navient. Each time I try, I am given a reason why this has happened and I am assured the problem is fixed ( each time it 's a different reason mind you ). Unfortunately, I 'm being lied to each time because the problem has never been fixed. 

Earlier this year, when I reapplied for the Rate Reduction program, I explained this ongoing issue to the Navient employee doing the paperwork. He assured me that the problem would be fixed during my enrollment for the next year. Unfortunately, once again, the problem was not fixed.
Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, XXXX, and know Experian.The accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX  XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.
Was denied by Nationstar for a HAMP ( XXXX loan ) because " No divorce, XXXX or divorce. '' My income has been reduced and continues to be reduced due to elimination of overtime. I included my husbands income ( non-borrower ) but his overtime also has been eliminated. I am going to " Appeal '' the decision and hope Nationstar will reconsider that there is in fact HARDSHIP.
We ordered a solar pool cover from an online company called XXXX on XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX York, NY XXXX 
Email XXXX XXXXXXXXXXXX. No phone number provided. 
An email response was received that same day, informing us that the item would leave the warehouse within XXXX. We had requested, and paid for " rush processing ''. 
After XXXX days, without any further contact from this company we inquired when our item would be shipped. The response was that this was a special item, manufactured to specification and that we should be patient. After XXXX days, no shipping info, so we contacted them again. At that point they told us that it would be best if we cancelled the order, to which we agreed, provided we got a full reimbursement on our credit card. 
The next day, the company informed us that the item had been shipped and if we refused delivery they would withhold a 25 % " restockingfee ''. 
We did not agree with that and informed the company accordingly. Now they have informed us that the restocking fee is 75 %. 
As we suspect internet fraud, we kindly ask your agency to look into this. 
Respectfully, XXXX XXXX XXXX