WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax 's supervisor XXXX -XXXX has admitted to me that the company allows any business entity can ask to do a credit inquiry on a consumer and the company allows it and will not remove the false report and will not check out the authenciticity of the inquiry of the consumer. For example. XXXX did a fraudlently false credit check on my report and even after I was told by XXXX that my personal credit would not be checked or pulled several times, the XXXX company did. I brought this up several times with Equifax and they said basically to bad. but to get a police report. I did. i ; m faxing the cover letter and police report over to Equifax tomorrow and XXXX said once he got the report the company would delete all the disputed items .Equifax told me and even gave me dispute numbers to check the so called status only to learn months later that equifax never even investigated my disputes. equifax gave me dispute numbers like XXXX and many others to check the status. This is not ethical and it is deceptive in business practices. please listen to the recorded phone conversations between XXXX  XXXX and the others I spoke with that XXXX had finally admitted to me about the lies i was told and that my disputes were never really disputed in the first place. but they at equifax will tell you that they have disputed and checked into the consumers dispute. ALL LIES. On the recording XXXX even said I was told incorect information. my police report number is case XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. on XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dergatory remark XXXX XXXX XXXX. the first 4 are false hard inquiries and the fifth is XXXX XXXX  witch is a degratory remark. that are all false and fraudently let on my credit report holding down my score. I want the CFPB to listen to the training tapes from XXXX and Equifax from XXXX XXXX.
I have received numerous automated calls telling me to call back United Collection Bureau. Whether I answer or let it go to voicemail an automated recording tells me to call back. When I call back I give my name and nothing else. They want me to providentify further information, address, workplace phone and address, etc. They will not tell my why they called other than they are trying to reach me. Their calls are becoming more frequent. I have not received any written communication from this entity. They are harassing me without telling me why.
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by COAF Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into COAF Finance inquiry to determine who requested this credit inquiry.
After many hours of studying the law and research of the protection consumer laws, I have sent several letters to Transunion XXXX and XXXX regarding fraud on my credit report related to an address in XXXX, IN. Four XXXX XXXX student loan unverified with no contract or proof, with a letter from the Office of XXXX XXXX. The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have two fraudulent bankruptcies 1 on XX/XX/XXXX and the 2nd on XX/XX/XXXX. In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the Consumer Financial Bureau to get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.
In XX/XX/2016, I was moving into a new home and starting a new job. I called fedloanservicing extremely concerned that my credit would be effected as I 'd believed I had n't made a payment on time. The employee on the phone told me not to worry and specifically positioned to me that not only was I on time, but that I could actually make my single monthly payment every three months without them being considered delinquent or negatively impacting my credit score. As I was taking on some new expenses during this transitional period and based on this new information that the employee gave me - I decided there and then on the phone that I would start make my monthly payment every three months. I wanted reassurance and a guarantee from her that this would not effect my credit at all and she told me so long as I was n't outside of three months I would be fine and that even then, it would be considered a single late payment. 
I felt so relieved ... little did I know was that nearly none of what she told me was true. Fast forward to today and I see that my good credit of around XXXX was utterly decapitated and is now under XXXX. I received no attempt at communication or warning that my account was delinquent nor in danger of having my credit damaged. 5 years of consistently on time payments and even additional payments from tax returns to help further chip away at my debt and my trust in one their employees ruins everything I 've worked for. I called fedloanservicing immediately upon finding out they 'd reported me for a whopping 10 late payments and explained my situation. This time the employee on the phone could have cared less about my situation and explained there was nothing they could do to fix my credit score. When I asked to speak to a manager they said there would n't be anything they could do either ... I XXXX fedloanservicing afterwards and saw nothing but the absolute worst professional reviews for them pop up on the first page of results. 
Do n't trust anything their employees tell you! Make your payments on time and do not stray from original payment plan you set up - if you can avoid fedloanservicing, do so as if they have the plague!
I received an email from " my boss '' asking me to transfer money to another bank account. My boss did not send it. Our domain name isXXXXXXXX, the email was disguised, but our IT person looked into it and discovered it came fromXXXXXXXX ( just XXXX " t '' instead of XXXX. ) The sender attached a pdf, asking for money to be wired to XXXX XXXX, via Compass Bank, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. Routing number XXXX. Acct number XXXX. We did not transfer any funds, but I wanted to make you aware.
I received a Amex Gift Card for our wedding on XXXX XXXX. We went to XXXX on XXXX XXXX and went to make a purchase. My wife handed me the card which was still in its original wrap where the number of the card could not be seen. The card kept being declined. We called Amex Gift Card services and they told us that there are XXXX dollars and change on the card. The original/gift amount was {$100.00} and out of nowhere XXXX charges were made on XXXX XXXX. We politely mentioned to Amex that is not possible because we literally opened the packaging. They said the only thing they can do is cancel the card and send us another card with XXXX dollars and change on it. Besides calling them, they are n't very helpful and they seem to accept when a gift card has fraudulent charges on it. I 'm completely vulnerable and helpless with this. I ca n't stress enough that I literally opened the packaging of the card. Over the phone they mentioned that they can do nothing about the charges. On the outside of the packaging it says, " Funds replaced if lost or stolen '' and on the inside it says, " No refunds will be provided for amounts debited from your lost or stolen card before you notify us ''. Am I subject to rules that a card enforces when I just opened it? How could I have possibly have notified them when I just opened the card and this is my first use. Please help.
On my credit report it shows that theres was a hard inquiry from XXXX XXXX XX/XX/XXXX of XXXX, I have never inquired about credit before until around XXXX of XXXX to finance tires. So this hard inquiry that is negatively affecting my score was not made by me. Tried calling captiol one and the customer service phone line did not help to try and dispute this. I have however applied for a credit card through them XX/XX/XXXX, and this is when I noticed it because that hard inquiry was notified to me through XXXX XXXX
Hi -- I have XXXX interest rates on my WELLS FARGO XXXX VISA card : ( a ) Purchases at 15.240 % ( b ) Cash Advances at 23.990 % XXXX of my purchases was applied to the Cash Advance Balance, so I am being charaged XXXX interest rates. But my payments are only being applied to the lower interest rate XXXX. According to this the new Credid Card Reform Law of 2009, " credit card companies must apply payments minus required minimum payment amount, to the highest interest rate balance on the card. '' XXXX That 's not happening. WELLS FARGO is applying payments ALL to the BALANCES with the LOWEST INTEREST RATES XXXX 

I called Wells Fargo today ( XXXX, XXXX/XXXX/15 ) for 1hr 15minutes, explained the situation over and over again. Eventually a representative said, " there was nothing they could do, this is their company policy. '' When I informed them that this was against federal law, the representative still said there was nothing to be done. 

Aside from the fact that this will cost me thousands of dollars -- this is just plain illegal. Let 's please enforce this law on Wells Fargo and protect me and other consumers like me. 

ThanksXXXX
Ocwen Retention department has all the documents requested to finalize my modification per my relationship manager XXXX. However, Ocwen Retention department refuses to give me a modification because ever 90 days and this has been going on and on saying my documents have expired. My relationship manager said he sibmitted all of my documents and still know resolution. I was told because I have no bank account from a call from another rep on XX/XX/2018 my modification can not be aoproved.
I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.
Frequent harassing phone calls to me and family members, starting dates on XX/XX/XXXX-XX/XX/XXXX, family members live out of this state, DO not know how they got my family members phone numbers, Thank you
I previously applied for mortgage with First Niagara ( now KeyBank ). We made it to the cleared to close stage and had scheduled a closing. However, we discovered the seller actually did not have bank approval to sell at the agreed price and we withdrew from the sale and mortgage. We received an application withdrawal acknowledgement from the underwriter. No closing occurred and no mortgage documents or promissory note was signed. However, recently KeyBank has created the mortgage accounts for the amounts in the withdrawn application and is attempting to withdraw payments from our checking account. I also discovered that they have furnished the information on this mortgage to credit reporting agencies. We then sent a dispute letter via certified mail to the bank and hand delivered copies to the local branch manager and our loan officer. Since then the bank has had the collection department contact us and demanding payment on this non-existent mortgage.
On XXXX XXXX I woke up to check my credit I was extremely upset to see XXXX collection items reporting that did n't belong to me. I seeked advice from a professional and read some articles online how to handle it. I then sent the collection agency revenue collect a debt validation letter that requires them to not collect on the debt for the next 30 days. I also sent a letter to XXXX XXXX and XXXX disputing this debt. On XXXX XXXX I have n't heard anything back from the collection agency but I noticed that both collection items were deleted from XXXX and XXXX but not from XXXX. XXXX deleted the debt for {$90.00} but not the the one in the amount of {$1900.00}. I called XXXX and ask what type of invesgation did they perform they informed me that they did n't have to investigate that the collection agency responded to them that the debt of {$1900.00} would remain on my credit report. I do n't understand how that is so when Revenue collect never responded to me at all. Now I know just from reading they violated the FDCPA specifically section 15 USC 1692G. As a consumer they vilaoted my rights as well. I am extremely XXXX. This accounts need to be deleted
I have tried on multiple occasions to try and get information correct on my credit report. XXXX  continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and Equifax concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.
I enrolled at XXXX where I was not given exact cost information about the program I was enrolling. I was also told my loan payments would only be {$50.00} total a month. I can not afford to make my momthly payments. I was also promised quality education, in which I did not receive. I failed classes multiple times, and when I asked for help I was referred to XXXX. My finance advisor also told me I would n't be charged for repeating classes since the instructors refused to help me. 

I was also told the school has had accreditation for years and was in good standing. I was promised a high paying job after graduation. I dropped because I could n't receive help with my school work. I was also not told I could test out some of the classes I had taken.
I have a collection on my report from a collection agency called XXXX   XXXX who claim to be collecting for XXXX XXXX. I contacted XXXX XXXX bc I have no knowledge of the account. I informed them that another collection agency is also on my report who claim to be collecting for the same debt and that collection agency is XXXX XXXX XXXX. I inquired how they could be collecting for the same debt that I know nothing about. XXXX does not even have a tradeline on any of my credit reports. I was advised to submit a dispute as well as file a complaint on both collection agencies. I have already submitted for XXXX XXXX XXXX and this complaint is for XXXX. This company is using illegal tactics to get consumers to pay collections that they clearly do not own or were not assigned to. XXXX XXXX has yet to properly validate the debt according to the FDCRA. These collection agencies are breaking credit laws and I will not hesitate to sue for defamation and smearing my credit profile.
On XX/XX/XXXXI opened up an account with XXXX XXXX with XXXXXXXX XXXX, with a deferred interest plan and made a purchase of {$8400.00}, I later made a second purchase onXX/XX/XXXX for {$1000.00}. I was making monthly payments of the amount I was originally instructed to pay. OnXX/XX/XXXX I had a remaining balance of {$1700.00} for the first purchase and {$750.00} for the second purchase, and I was charged the accrued interest of XXXX. The only information about this upcoming charge appeared on the statements online, not the emailed statements. I should have received an email statement including the balance, as other emails from this account have included the current balance. The online portal also lists no information about the deferred interest due date, and is only available with downloading the statements. There is also no way to view the Credit Card Account Agreement online, as referenced on the homepage. This vital information should be readily available online. Had I known about this charge I would have paid it off at once. When this charge occurred on XX/XX/XXXX I did not receive any statements until XX/XX/XXXXreflecting this new balance. I called instantly and no one was able to help me, and was told it could only be disputed within 3 days, but was not made aware of this charge during the 3-day period. I then spoke with a manager where I offered to completely pay off the original balance in lieu of the finance charge but he stated that was " unfair to the other store accounts ''. The only step he said I could take would be to send a letter to dispute the claim. I sent a letter on XX/XX/XXXX but have still not gotten a response. This delay in contact or resolution is ultimately allowing XXXX to accrue more interest while I am disputing this claim. XXXX XXXX also did not allocate the entire amount over my minimum payment to the balance on which interest was deferred during my last two billing cycles/payments preceding the expiration of the deferred interest.
I am XXXX patient account number XXXX all bill i paid on time, but they send to collection without any notice, I paid full amount on time to XXXX not to collection, I heard they send statement to wrong address, that is not my mistake, I used only XXXX mailing address that is XXXX XXXX XXXX XXXX # XXXX, this mailing address more than 4 years in patient file, in the time of ER why they used other addressee I do n't now. I talked to XXXX, XXXX XXXX XXXX XXXX they said we got this information from XXXX XXXX XXXX XXXX, I called to XXXX XXXX XXXX XXXX XXXX they told me ( you update your address after statement ) but I got call from XXXX In XXXX 2015, they told me this bill from XXXX, that is way I called to XXXX to correct the own problem b/c they used wrong addressee, when I got the statement I paid unpaid balance full to XXXX not to collection. 
Because of them my credit report is damaged, I need correction from XXXX XXXX XXXX XXXX and XXXX to fix my reportXXXX/ XXXX/XXXX take responsibility, I am not responsible for late fee, they never send to me any statement to me, I do n't now my credit card number too from them. 
Please clear my credit report in right way I am not responsible for above mistakes
In accordance with XXXX servicing guidelines Section XXXX, we believe our investment property currently being serviced by Amerisave Mortgage Corporation / XXXX is at or below 70 % Loan to Value based on the recent increase in housing prices and recently sold comparables in the neighborhood. Regardless of seasoning since it is an investment property ( our mortgage is seasoned almost XXXX years ) we have the right to request that the servicer have the property appraised to determine the current value so we can terminate our mortgage insurance if it comes back at or below a 70 % Loan to Value ratio. 

My wife who is also on the mortgage first called Amerisave Customer Service on XXXX XXXX, 2016 and verbally requested to have the mortgage insurance cancelled based on current market value. The customer service representative informed her that the request was being sent to their Escrow Team for review and processing. We received a template denial letter dated XXXX XXXX, 2016 with the " Other '' box checked and the explanation of " LTV must be at 80 % for investment properties ''. There was no other communication relating to a recent valuation or other instructions on how to request a valuation for the purpose of removing mortgage insurance. My wife then contacted the online customer service via their online chat on XXXX XXXX, 2016 and again requested to have our mortgage insurance canceled based on the current value. We received the same template denial letter dated XXXX XXXX, 2016 with the same explanation " LTV must be at 80 % for investment properties '' and no further instructions on how to request a valuation to determine the current Loan to Value. On XXXX XXXX, 2016 we sent a Qualified Written Request ( QWR ) to Amerisave via XXXX overnight with confirmation the letter was received on XXXX XXXX, 2016. The QWR contained plain language that the letter was a Qualified Written Request under section 6 of the Real Estate Settlement Procedures Act and also contained the XXXX Servicing Guide section XXXX. XXXX including the requirements for a Borrower-Initiated request for termination of mortgage insurance.We received the same template denial letter dated XXXX XXXX, 2016 with the same reason. 

As of today XXXX XXXX, 2016 it has been XXXX days since Amerisave Mortgage Corporation received the Qualified Written Request for them to appoint an appriaser for the purpose of determining the current value of the property to terminate mortgage insurance. To date, we have not received a an acknowledgement letter ( due within XXXX days ) or a substantive response ( due within 30 days ) to our request as required under current RESPA regulations 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) and 12 U.S.C. 2605 ( e ) ( 2 ). Amerisave Mortgage Corporation is currently in violation of regulations under RESPA and has delayed our Borrower Initiated request for termination of mortgage insurance. At no time has Amerisave provided direction or useful assistance to our numerous requests, causing us to spend valuable time submitting these inquiries and costing us money by continuing to pay mortgage insurance.
I HAVE CALLED XXXX XXXX XXXX SEVERAL TIMES AND TOLD THEM I DO NOT HAVE INSURANCE WITH XXXX XXXX AND NEVER WILL, THEN I CALLED XXXXXXXX XXXX COMPANY AND THEY CANT EVEN PRODUCE A ACTUALLY POLICEY, JUST A QUOTE FROM XXXX OF LAST YEAR. HACK I DIDN'T EVEN DO THE QUOTE!!! I HAVE REPORT XXXX  TO THE XXXX XXXX XXXX WERE I WORK AND NOW THE FRAUD DIVISON IS LOOKING INTO THIS AND SEVERAL OTHERS WHO ARE REPORTING THE SAME PROBLEMS. NOW THEY HAVE REPORTED A FRAUD ACCOUNT TO MY CREDIT REPORTS AND THE ACCOUNTS WASN'T EVEN SET UP. SENSE I WORK WITH THE XXXX XXXX I  LEARN WHO THE GOOD COMPANIES ARE AND XXXX IS NOT A GOOD COMPANY!!!!! THEY ARE A FLY BY COMPANY AND CLEARLY DON'T CARE ABOUT THE CUSTOMERS OR OTHERS! XXXX SAID THIS ACCOUNT WAS SENT UP ONLINE AND IT WAS A SOUTH CAROLINA QUOTE!!!! I DON'T EVEN LIVE IN SOUTH CAROLINA. I HAVE ATTACHED A POLICE REPORT AND A FRAUD REPORT FROM THE XXXX XXXX INVESTIGATION DEPARTMENT .I WANT THIS ACCOUNT REMOVED ASAP OR ILL BE FILLING LAW SUIT IN NC AGAINST XXXX XXXX XXXX AND XXXX.