WillisBack/dataset-financial-user-claim huggingface dataset:
I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/2018
On XX/X/2017 at approximately XXXX EST, a female representative attempted to collect on a debt for someone else with a similar ( but not exact ) spelling name in the amount of {$74.00} for " XXXX '' XXXX XXXX. I explained I never heard of the creditor/individual. 

What was most disconcerting is HOW she went about the call. She asked to speak with me, would not clarify the name of the company or the nature of the call until I verified PII including my mailing address. She deceptively stated that she could not do this due to HIPAA law, which is obviously medical-related. This appears to be normal business practice for this collection agency and likely a violation of federal law.
I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Te interest rate on my sears card is now at 25.49 %. I do n't use it or carry a balance, but it makes me mad that a company can charge that much with no recourse. There used to be laws regarding unreasonable interest rates like that, but new laws have allowed for this kind of predatory credit practice. One more reason for me to avoid shopping at Sears.
Nationstar Mortgage LLC continues its " wilfull misconduct '' as it proceeds with the illegal foreclosure of our home ... going at length to commit a breach of privacy with our CFPB files, the XXXX time around ( see CFPB case XXXX in XXXX 2015 for first incidence of breach of privacy. ). 

On XXXX XXXX, 2015, it goes into a CFPB case file XXXX involving XXXX , uploads its files, to make it appear that XXXX had completed the resolution of XXXX XXXX complaint. XXXX - Nationstar 's alleged " current owner of debt '' on the Notice of Default ( the basis of the upcoming Trustee Sale of our home ), who, on XXXX XXXX, 2015 had requested CFPB for an extension of resolution to XXXX XXXX, 2015. An indication that XXXX did not have " ready answers or records '' to support Nationstar 's alleged " current owner of debt '' on its Notice of Default recorded on XXXX XXXX, 2015 ... .lending support to our allegations of FORECLOSURE FRAUD ... that needs to be investigated and stopped by regulatory authorities. 

Of note, this response by " XXXX '' ( but in reality, Nationstar ), was not captured in CFPB 's auto-reply system, hence, XXXX did not receive the email from CFPB - just discovered it within CFPB Portal late afternoon, XXXX XXXX. 

Thank you, CFPB, for enforcing consumer protection laws that are within your jurisdiction to STOP deceitful practices that hurt people. 

Please see attached copy of XXXX dispute of " XXXX '' response (
This complaint is regarding fraudulent transactions that were made by someone residing in another state on my Direct Express Debit Card on which I receive my Social Security payments.These transactions occurred on XX/XX/XXXX, XXXX, and the XXXX, 2017. I contacted the company and advised them that I had not made these purchases, as I reside in a different state, and have never visited this particular state, and my card was currently in my possession. The amount on the XXXX was for {$2.00}, on the XXXX it was for {$32.00}, and on the XXXX, there were 3 separate transactions ; one for {$150.00}, one for {$250.00}, and one for {$42.00}. The total of all these is {$480.00}. I attempted to dispute these transactions in the manner the company advised me too, but it took 15 attempts to even speak to someone in the fraud department. After I was able to reach someone I was advised that I would have to wait for the charges to clear before I could dispute them. I waited until they showed settled on my account, called back, heard the same " we are experiencing heavy call volumes, try your call again later ''. I heard this at least 10 times AGAIN before being able to speak to someone. I was told that a form would be mailed to me and once I filled it out and the transactions were checked into, I would have my money back. I filled out the form and FAXED it to them. I called to see where my money was and they said they just got the form! That 's not true as I have the confirmation sheet that it was sent successfully. I spoke to a lady by the name of " XXXX '' and she gave me her extension. I called back to speak with her as she informed me that I could on the last time we spoke, only to find out that she had been fired. I 'm not a rich person and I need my money back. This company is not a good one at all. i XXXX them and was horrified to see how many people are in the same position that I am in, and have n't gotten money that was taken from them years ago. Direct Express needs to be held accountable for what they are doing to people on Social Security, XXXX, and other government benefits. If this card is FDIC insured, i as well as these other people should have had their money back by now. This card is NOT safe, its not secure, and its not a good choice for people who receive benefits of any kind.
I responded to a pre-approved offer and while submitting information, they asked for not just my bank account number but its password so they could " link '' the accounts. I became concerned and stopped doing the application. i went to  XXXX  to research them and read many negative reviews. I did not complete the application. i went back to the website to try to cancel or close it out but it said unavailable and was unavailable the rest of the night. The application was about half way completed. in the morning I received an email saying I needed to complete the application today and funds could be in account by tomorrow. It also stated " by finishing your application you 'll enjoy ... '' My intent was to apply for a {$300.00} loan to buy dirt for an above ground pool i had purchased. i never answered the email. I called my bank today to ensure my paycheck was deposited and noticed a deposit for {$2300.00}. I called and tracked it down  to    XXXX   XXXX   and then to  Avant Bank. I called them and they told me I could return the money but would still owe a {$90.00} +  fee. I told them I never completed the application and  they insisted I did. I did not and would not. I am having my bank reject the deposit. I told Avant I do not authorize them to touch my bank account in any manner and to remove my bank account information from their records. They said they were unable to do that and that " they would n't do anything ''. The Avant person kept then trying to discuss how I intended on paying the $ 90+ fee. I did not ask for this money, I did not complete an application and I do not want their mo ney. It is a total scam, just as the reviews you can find all over  XXXX .
i would like to join the complaint against Navient. I have been paying one of their plans and the amount of my loan has not decreased. they are now calling me offering payment options.
I have a car loan with XXXX XXXX. The payments were set to auto pay XX/XX/2016 - until. After 18 months it stopped without my knowledge. XXXX failed to notify me by mail or phone and repossessed my vehicle. I paid late payments the very next day when I was finally notified after the repossession. I explained to them of their mistake ( WHICH THEY FAIL TO ADMIT ) and they still reported it to credit bureau and ruined 20 plus years of good credit. When trying to resolve with staff including supervisors some were extremely rude and not willing to resolve the issue. One even admitted they understand my point but still was unable to resolve. After filing complaint they continue to report this to credit bureaus. This is MAJOR BULLYING on their part as I only have a few resources to go up against them.
I have been charged late fees and have received late notices as a result incorrect information. This is in regards to my account. I am certain this is a result of my escrow account ( homeowners insurance ), where they say I have insufficient funds to pay my homeowners insurance. The insufficient amount is approximately around {$1.00} XXXX - {$2500.00}. I can not understand this negative balance. I do suspect the amount is not correct just by virtue of having made all of my scheduled payments without any being past due. They sent me a notice in XXXX 2016 stating my monthly payment would rise from {$370.00} to {$540.00}. In order to start to pay down the insufficient escrow balance and it would be current in one year. I disputed over the phone w/ a Freedom Mortgage Representative. They said their records indicated I had a negative escrow balance. At which time I accepted their analysis and stated, I could not afford to pay {$540.00}. And I requested a smaller payment amount where it would take a year longer to reach a positive escrow balance. A representative was able to make the necessary arrangements where my new payment would be {$450.00} for 2 years. 
I started making that payment amount in XXXX 2016, XXXX 2016 and XXXX 2016. Each month was paid on time and before the late date. I have the cleared checks from my financial institution to verify all payments.
leased a XXXX VW jetta and several months later was victim of Hurricane XXXX and made to evacuate my home located XXXX XXXX XXXX XXXX XXXX. My spouse and I traveled to XXXX and made a total of six tries to return to our townhouse to view damages, we were not allowed. I informed VW at sometime during the chaos of our dilemma and was informed that the company was aware of the disaster and not to worry just take care of myself and family. It was brought to my attention my VW in XXXX that the lease was ending and that there would be additional costs reverberating to the end of the lease I informed VW that I could not afford further monies due to a XXXX in XXXX that prevented me from working. We agreed that to return the car to VW would be in both our " best '' interest and thus with a " heavy '' heart I returned the vehicle in XXXX of XXXX. I recieved a letter dated XXXX XXXX, XXXX ( Over three years later ) stating that I owed {$10.00}, XXXX. I called and was informed that this was due to mileage, wear and tear on the vehicle. I informed her about the conversation that transpired in XXXX during Hurricane XXXX evacuation as well as the lease was a " four-year '' term and it concurred " normal '' wear and tear! The agent sent me to XXXX other people because there were absolutely " no '' records besides " payment arrangements '' on my records! It is ludicrous to charge me such an " outrageous '' amount sent to XXXX XXXX in the amount of {$19000.00} ( high balance ) that is " double '' the price of the vehicle. VW received ( in payment ) an approximate amount of {$18000.00} throughout the lease. I do not believe that I should be listed in the credit bureau for a charge off of {$12000.00}!
I went into a Chase branch where a banker informed me that I had preapproved credit card offers. XXXX of the preapproved offers was the Chase XXXX XXXX card, which I had been previously denied for, so I eager to accept the offer under the condition that my application was preapproved. After I applied however, Chase denied my application for the reason of previous unsatisfactory relationship with the bank. This makes the preapproved offer extremely misleading and deceptive. As if it wasn't enough for Chase to deny my application after enticing me with deceptive " preapproved '' advertising, Chase decided to punish me further by closing the credit card account that I had with them. This sort of aggressive and predatory business practice to use deceptive " advertising '' to sell credit products should not be allowed. Chase is claiming that they have not done anything wrong, and they maintain that they have not deceived me. However, the outcome of this situation seems to indicate otherwise. Chase should never have advertised to me any " preapproved '' offers while knowing that they would deny me for the reason of having an unsatisfactory relationship with them. This makes their offer deceptive and misleading, and as a result of their deception, my application has resulted in negative financial impact due to the fact that Chase also decided to close my current account as a result of accepting their " preapproved '' credit card offer.
There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX    XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
I have a old mortgage loan showing up on some title work on a property I am trying to sell. The loan was originally GMAC mortgage company which is a defunct mortgage company now. The property securing this mortgage was lost in a foreclosure and sold, the debt was discharged in a Chapter XXXX bankruptcy. In the research I have done Ocwen Loan Servicing has taking over for GMAC Mortgage company but I have tried contacting them via email and regular mail and have not received any return communication from them. This lien needs to be released so the sale can go through. My only recourse as of now is to file a " quite title '' law suit which could take a couple of months and cost thousands of dollars in attorney fees. There has to be a way I can get a executed lien release on this case.
Purchased my home in XX/XX/XXXX with XXXX XXXX XXXX XXXX who sold my mortgage to PNC. Previously worked as a XXXX and paid all my mortgages on time. I lost that job and accepted another job as as XXXX which did not pay as much. Contacted PNC who informed me that I should not pay for 3 months to qualify for a homeowner modification. I was given a trial period of 3 months and I paid for the 3 months prior to them approving the modification. I paid the modification for several years ( XXXX ) when suddenly PNC decided to return all my mortgage che is ( after mine had been cashed ). I did not cash any of their checks that have been returned and they have stacked up to XXXX. They have since sent me a letter they are going to foreclose on the home and I have decided to file bankruptcy to protect myself against PNC which has since ruined my credit. I have since receive a letter from PNC stating they are going to court to sell the house on XX/XX/XXXX and I have now decided to join a class action lawsuit as I have paid thousands of dollars in attorney fees and no results from local attorney General and courts. Updated on XX/XX/XXXX : This is a follow up from my prior complaint regarding PNC mortgage. PNC foreclosed on my prior account while I was paying my mortgage and has handed my home over for renting to a company out of Utah called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Buyers beware. Do not take out a mortgage with PNC mortgage!!! If you have been ripped off the way I have and not obtaining local help from your local courts and politicians seek class action! This ca n't be legal. Updated XX/XX/XXXX : PNC left me homeless for the holidays and for the XXXX XXXX. This complaint is also posted at Consumer Affairs but is now being censored but the public has the right to know the truth about such unlawful acts and individuals who think the law does not apply to them.
Today is XX/XX/XXXX for the record, and On XX/XX/XXXX Equifax received my dispute for an error on my credit report. I had already tried disputing this item 2 or 3 times in the past year or so before that and they insisted the information was accurate. This time i have not received any updates or information and when i check the website it is still listed as pending investigation, with an estimated completion date of XX/XX/XXXX. It has been almost AN ENTIRE YEAR. This account in error is one that isn't even mine, it is my mom 's who shares the same name as me and attended the same doctor 's office. The files obviously got mixed up, as at the time i was on state govenrment health insurance and would have not had any out of pocket medical bills. The collection company sent us a an overview of the testing that was billed, and they were all tests run quarterly for my mother 's health conditions. However i have not received any communication from Equifax. The result of the pending investigation is that my credit report is no longer accurate, it reflects higher balances on loans and cards that i have been paying for 10 MONTHS, as well as damaging my credit score i have worked so hard to build. This is completely irresponsible and reprehensible.
I had to take my car for inspection and it failed costing me over 300.00 to fix. I was unable to make the monthly payment to XXXX XXXX and reached out to them for help and I was told I could not defer the payment for XX/XX/XXXXand was informed I would receive late fees. The was explained to them several times. On Friday XX/XX/XXXX I received 21 phone calls from XXXX XXXX. I stopped taking their calls because I informed them that as soon as I was able to make the payment I would do so and that since the account was opened I have made all my monthly payments on time. I have gone as far as blocking their number and they would just call from another number. I dont know how many times I have to explain why the payment was not made.
In XX/XX/2018 I tried to order cable services from ( XXXX/XXXX ). And  received a voicemail stating that something came up. So when I called them back they told me that someone had service on XXXX XXXX in XXXX PA XXXX from XX/XX/2018 - XX/XX/2018 and the bill was {$1000.00}. I said this wasn't mine nor did I authorize this. So I had to submit a fraud/identity theft packet along with proof of residency. After submitting all the requested information I still am not able to get cable services from XXXX/XXXX. And now there's another address coming up on my credit/consumer report on XXXX XXXX in XXXX PA XXXX which also isn't mine. In the mean time I've had to lock my credit report with the 3 major credit reporting agencies. Please help me, I don't know what else to do.
I began mortgage rate shopping on XX/XX/XXXX for both a refinance and a new home purchase. Between XX/XX/XXXX and XX/XX/XXXX, I rate-shopped with approximately 5 lenders, who all made hard inquires into my credit reports. I chose a lender and refinanced my current home. There was an issue with this lender and I had to find a new one, and began rate shopping again on XX/XX/XXXX, with an approximate additional 5 lenders, and stopped on XX/XX/XXXX when I settled with a new lender. 

Each of these lenders assured me that rate shopping would not hurt my credit score because, as it says on CFPB 's website, " within a 45 day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry ... you can shop around and get multiple pre-approvals and official Loan Estimates '' ( https : //www.consumerfinance.gov/XXXX  ). 

My credit score has dropped approximately 30 points on XXXX, Experian, and XXXX as a result of these hard inquires. When I called XXXX and XXXX, both of the representatives told me that CFPB 's information is wrong, and that my score will decrease each time a hard inquiry is pulled.
I have recently obtained a copy of my credit file and there are many mistakes in my report : Unauthorized inquiries & Wrong status in open account
I check my credit report on a weekly basis and I notice before I paid the accounts to 0 balance or became in good standing with my mortgage company, my credit score was higher. After I paid one account off and became in good standing with my mortgage company my score dropped significantly. Credit Karma, sent me an email on XX/XX/XXXX stating that my score had gone up 43 points on XXXX and 46 points on XXXX. Six days later my score had dropped 49 points on XXXX and 42 points on XXXX. I have been checking my score three times a week since XX/XX/XXXX and the score goes up and down every time I check. I have been paying my accounts on time and I also find it extremely hard to get information that does not belong to me removed, there is no way to dispute items online and the only way to communicate with credit karma is by email, they do not have a way to contact them by telephone nor do they respond to emails in a clear, professional and understanding manner. I have tried to reach out to this company on several occasions and it never goes anywhere.
I have made a purchase using a Citibank card for a Merchant to provide car rental booking service but the Merchant failed to provide that service appropriately, resulting in failure of car rental reservation. 

Dispute was filed with Citibank and Merchant provided response irrelevant to issue. Citibank requested more information from me. I provided detailed information. Citibank wrongly determined my response was incomplete and refused to pursue a charegback.
On XX/XX/2016, I request an escrow analyzes from Nationstar mortgage LLC. However, the servicer failed to " acknowledge '' our request under RESPA. Escrow analyzes can be review upon borrower 's request and in particular whoever changes have me made in connection with either taxes or insurance. The flood insurance decrease significantly and a refund check to be placed back into the escrow account provided to the lender, however Nationstar claims not to have process. Nationstar has been in receipt of the funds since XX/XX/2016. 
We request that Nationstar Mortgage LLC, places the flood refund back in the escrow account and credit my account accordingly and to conduct the escrow analyzes as per our request on which they even failed to " acknowledge ''.