WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a copy of my Experian Credit Report, dated XXXX/XXXX/XXXX, # XXXX. I noticed the following information reported on my report that is inaccurate. I have called an sent certified letters regarding these unauthorized inquiries and there has been no resolution to this wrong reporting information. The FCRA states that the only permissible purpose for pulling someone 's credit report is 1 ) firm offer of credit 2 ) insurance 3 ) employment or 4 ) a court order. The following inquiries are not related to any of these reasons nor did I authorize my credit to be checked by any of these companies : 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 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, and XXXX XXXX/XXXX/XXXX. The above inquiries are unauthorized and should be deleted immediately.
I called XXXX to try and get XXXX hard inquiry off my credit report. They told me they was n't able to help me. I explain that I hard to hard inquiry that was 2 years old. Gave  them dates on both. XXXX inquiry was XXXX on XX/XX/XXXX. XXXX inquiry was XXXX XXXX on XX/XX/XXXX
I had medical insurance at the time and it should of been covered. It has been since XX/XX/2011. I would like it removed from my credit report.
On XX/XX/XXXX i submitted a agreed payoff amount to Wells Fargo Dealer Services in order to finalize and payoff a auto loan. At this time time i was told that that once payment was received it would take three days for the title to be electronically released since I was in a state that kept title electronically ( Ohio ). I called back on XX/XX/XXXX and was told that it was still being processed and it might be released that afternoon ( they had my money though ). I called back Mon and it still had not been released but it was processed as paid off on XX/XX/XXXX. I continued to ask for someone to speak to in regards to it being released and was told there was no one else to talk to. I called back Tuesday morning and then was told it was still being reviewed and they had 7-10 working days to process the procedure. I stated that someone told me that they had processed it already as paid on XX/XX/XXXX why cant it be electronically released? They said that was not true and they still had time to review the payoff. I stated you have my money and have had it for over a week what is there to be reviewed this is the settlement that was agreed upon already. I met my part of the agreement and my title should be released when I met my part of it. This delay is causing me problems of something that I paid for as agreed upon. Wells Fargo has accepted my payment but has not released my title in the timely manner as payment has been processed. When the funds cleared the title should have been released. There is no review process upon a already agreed upon settlement. WHAT IS THE REVIEW PROCESS! A DELAY IN INTEREST BEARING BANK PRACTICES.
My name is XXXX XXXX, ( XXXX ) XXXX I Just finished Chapter XXXX  a few months ago, The servicer sold my mortgaged to another servicer, I have proof of all payments made in the past 5 years, the new servicer says I, m behind 22 payments and {$79000.00} and wont except my monthly payment unless I pay the {$79000.00}! 5 payments I've made to them has cleared my bank and not applied. The XX/XX/XXXXpayment was returned with letter they cant except without me paying the {$79000.00} They say they have referred account to attorney for legal action. Servicers : # 1 XXXX XXXX XXXX XXXX XXXX XXXX, PA. ( XXXX ) XXXX Account # XXXX # 2 New Servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX ( XXXX  ) XXXX Account # XXXX. Thank you
I contracted XXXX services in my residence through XXXX XXXX back in XXXX. For installation services, they claim they sent me an invoice for XXXX {$49.00} by mail. I never received such invoice. I receive several bills by mail and never failed in promptly paying any bill I received. As a customer of XXXX, I requested, in at least XXXX occasion, support services from XXXX during the period I had XXXX in my apartment. Support services were provided normally and no debt was ever mentioned. If I was in debt with the company and they had that in their system, why is it that I requested a service and the service was rendered without ever mentioning any debt? 
Now, 6 months after I canceled XXXX services, and more than one year after the installatoion date in XXXX, an open collection account with XXXX is showing in my credit report. I chatted with a representative of the company and they told me the invoice was sent in XXXX ( the XXXX I never received ). XXXX has always had my address, e-mail address, phone number and, more importantly, a valid credit card on file. Why is it that they never sent me any communication, verbal or written, that I had an active debt of XXXX {$49.00} so I could pay for it. Why have they never charged my credit card they had on file for the XXXX {$49.00}. Why have n't they refused to offer me support service if I had an open debt with them? When I asked their customer service representative, the only answer I got is that an invoice was sent to me, once, in XXXX. And with that, they assumed I was a bad payer ( even knowing that I paid all XXXX monthly fees on time for the 7 months I had the service. This is absurd. 
They sent my debt for collection to ATG Credit. After chatting with XXXX 's customer service representative, I then immediately called ATG Credit and paid for the pending XXXX {$49.00}. I also queried ATG 's customer service representative about their having to notify me before hitting my credit file with an open collection account. They claim they also sent me a letter. I never got this either. I honestly doubt any letter was sent. Again, I would never ignore or fail paying any open debt I knew I had. I have virtually no debt. I carry no credit card balances ( I pay all balances monthly ) and have XXXX leases I pay religiously every month. 
After the collections account was sent to Equifax, my credit was hit by XXXX points because of that. This is not fair. I can not pay a debt I never knew I had. 
Now I am shopping for a home and was looking for alternatives to get a mortgage. These XXXX points can considerably increase the financial cost of a mortgage loan.
As a result of a serious personal issue my account was past due. I had communication with customer service but due to my circumstances was not able to make the payment on the agreed upon date. I did however pay the account balance in full a few weeks past the agreed to date. 
I went online and found that my account had been closed however I did not receive any prior notification of a pending closure nor was I advised by the customer service team that this was about to happen. 

I had a conversation with one of the customer care account executives who was short and abrasive. He belittled me personally and did not want to hear about my personal circumstances and he stated that my 9 year history did not mean anything to him. When I asked for a higher authority he told me that he was the ONLY authority and he was standing by the decision. I have never been treated so poorly and I feel that I am being discriminated against because of my medical issue.
I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXXXXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
Our company, XXXX XXXX XXXX XXXX has had an account with Wells Fargo beginning with Wachovia. We have never had any issue with this bank, never even a bounced check. On XXXX XXXX, 2016 we were notified by a customer that a block had been placed on our account. When I called I was told by XXXX different Wells Fargo employees that our account had been closed on XXXX XXXX, 2016 by loss prevention and that we would be receiving a letter and our balance monies within 10 business days. Well today I got the letter and it indicates that my account has been blocked since XXXX XXXX but that it will not be closed until XXXX XXXX and that I will not receive the balance in my account until some time after that date. 
It is unconscionable that Wells Fargo can unilaterally close out our account with no notice, no reason and then hold our money XXXX for nearly a month. Last week my employees were not paid, taxes not sent to the government as a result of lack of information from Wells Fargo. Now, I am in a similar position this week as my cash flow has been greatly diminished because Wells Fargo is holding my money hostage. 
Our company has been in business for over 40 years. We have never been accused of running anything but the most upstanding business. I understand that Wells Fargo does not have to bank with my company if they choose not to but they should not be allowed to conduct business in this manner. A courtesy call would have been nice. Even without that, correct information from Wells employees would have been nice as well. Now they are holding my money hostage. We need it for cash flow but have been told that will not be happening. 
Big banks should not have the ability to unilaterally shut down an account with out any forewarning to the small business customer. they should also not be allowed to hold money hostage for over three weeks. If they want the account closed, fine but give me my money.
We have submitted numerous complaints concerning Wells Fargo Auto Finance. They repossessed our vehicle in XX/XX/XXXX while my husband was stationed in XXXX, CO. He was protected under the XXXX. While they acknowledge that our interest rate was reduced because of that, they claim they did n't receive orders. They received his orders prior to our interest rate being reduced because that was the proof that we were protected under XXXX. If I did not supply his orders, they would n't have reduced our payment. They claim they only charged off our vehicle and did not reposess it. They are claiming that it may have been stolen. However, I specifically recall getting the amount they recovered from auction for our vehicle. The XXXX number is XXXX. Wells Fargo was guilty of taking soldiers XXXX and had to pay them for this. They are guilty of fraud and somehow they are still trying to get away with it. They did not try to help us out when we became late on payments. They simply state that the XXXX does n't protect soldiers when their vehicle is " charged off ''. I believe they are withholding information entitling is for reimbursement due to illegally repossessing our vehicle.
My identity was compromised while on XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. There are several items of fraudulent accounts that are being reported on my Experian file. Please see the attached ftc reports. I need the items on the report removed immediately.
I contacted the company ( XXXX XXXX Confirmation # XXXX ) with the request below, but I was really surprised to hear that they would not be able to help me at all. Even though I was trying to do everything in my hands to keep the payments current on my obligations. I believe the lack of sympathy during a costumer 's hardship is proof that banking companies only care about profits. In addition, the company will not offer any help or assistance unlike other credit card companies that I contacted. 

" I am writing this letter to inform you that I have lost my job on XX/XX/2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' Then : I sent an email, and left a voice mail to XXXX XXXX, but they were not answered. I received the letter attached via USPS mail, but it is not addressing any of the matters. As per the letter, the bank is unwilling to do anything unless I default, which it is actually ludicrous. 

XXXX, XXXX, and other financial institutions have worked with me, and offered me financial solutions with lower APR and payments in order to avoid delinquency. The bank 's position should be consider predatory lending, and it should be look into closely by the CFPB. 

Please let me know if there is anything that the CFBP can do in this regards. Meanwhile, I am going to look for other options like filing separate complaints to the XXXX, FTC, the local and national Dept. of Consumer Affairs and NYS Attorney General to address this matters. 

Thank you so very much.
A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX. When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.
I have been trying to get a loan modification from Select Portfolio Servicing for 4 years. At one point, they did send me a letter stating they had all the documents but then ended up starting another application. My financial hardship began with the loss of my job, terminal illness of my husband and just got worse. I stayed in contact the whole time with SPS and it was always the same response - they did n't receive all of the documents. At one point my application got caught up because they insisted I send in a copy of my cashed XXXX check. This would have to be obtained from the US Treasury and is impossible to get. They have ignored my requests and I submitted a loan modification offer. After submitting this offer, I was confused as to which modification application we 'd be working off of and knew they could not proceed with both as it would be dual tracking. Due to this and the XXXX this has all caused me, I was working on the documents needed. In the meantime, the foreclosure was not cancelled - again, dual tracking. With the foreclosure scheduled, SPS had no intention of ever giving me any type of modification and is now trying to foreclose illegally.
In XX/XX/XXXX I sent a certified letter to Diversified Collection in reference to them validating a debt. In this letter i asked for the the items that FCRA considers to be valid vaerication of this debt. In XX/XX/XXXX I received a letter from XXXX XXXX staying that they have spoke with XXXX and verified the amount owed. They also include a billing statement of the amount Im suppose to owe. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 this is not a valid way to verify a debt. Under FCRA, 15 U.S.C. 1681 debt validation must include After receiving this letter, I sent another letter certified mail in XX/XX/XXXX. This letter stated that Under the FCRA, 15 U.S.C. 1681 a billing statement is not a Valid way of validating a debt. On XX/XX/XXXX I received a letter from XXXX XXXX with the exact same letter and the exact same billing statement as the letter I received before. By this company refusing to correctly validate this debt, along with continued collection attempts on this debt, and failure to remove this debt from my credit report they have violated my right under FCRA, 15 U.S.C. 1681. It has been more that 30 days since I asked for validation of this debt and Im seeking your help in forcing them to remove this items as required by this act.
I received a collection notice in the mail on XXXX/XXXX/16. The bill was on behalf of XXXX XXXX. I moved out on XXXX XXXX 2016. We asked XXXX XXXX to do a walk through but they refused. I received no other contact from XXXX XXXX. When I received the collection notice I called XXXX XXXX at XXXX on XXXX XXXX. I was informed by the representative that after 45 days my debt is sent to collections. I informed the representative that the letter was received XXXX XXXX. It had not yet be 45 days. Then her story changed to after 30 days that I would receive a collections notice. I then informed the representative that it had not yet been 30 days. She then offered to send the bill again, refusing to acknowledge the endangerment f my credit and XXXX XXXX 's unprofessional practices. I advised her that I would pay this bill, even though I do n't know what I am paying for and filing a complaint with the XXXX. The collection notice was not from XXXX XXXX and was addressed to myself and my XXXX year old child, not the other adult on the lease. 
I had to call the collection agency 5 times before someone picked up. I also left a message. The collection agency then told me the name of my XXXX children that they had listed to collect the debt from. Myself and my children 's credit can be affected and I never even received a bill as to what I 'm paying for. I spoke to XXXX XXXX extension XXXX. He informed me that he received the debt information from XXXX XXXX and I Q Data input the erroneous information into their database.
XXXX 2017 I surrendered my vehicle to Santandar after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. santandar has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with Santandar. I may need to take legal action to resolve.
I have had the account with Capital One for more than 10 years. I always pay on time and more than the amount due. It is business card. This past year I was late twice - inadvertently - I called as soon as I realized it and paid up, again more than was due. Capital One has raised my rate from 6 % to 24 % due to late bills in the past year. I tried to get them to see I was a good customer for a long time, but I was told " If you are late twice, we have the right to raise your rate, and we do n't have to take into consideration if you are good customer or not. '' I was told that they could reduce my interest rate after 12 months of on time payments. This would cost me {$4000.00} to get back in their good graces. This may be legal, but it is still wrong.