WillisBack/dataset-financial-user-claim huggingface dataset:
I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX CO - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX  XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX CXXXX 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. PXXXX  XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. RENTAL PROPERTY XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
American Express extended a credit limit of {$7000.00}. I used about {$3800.00} dollars of the credit extended. American Express assessed my credit standing and decided to reduce my credit limit due to a lower credit score than expected. However, they retroactively reduced the limit to an amount beyond the current balance. They reduced the limit to {$3400.00} the day after I last used it. Now I have a negative balance on the account and they are reporting that I exceeded the credit limit. When I used the card the credit limit was {$7000.00}. I did not exceed the limit or use credit that was not extended. The $ XXXX credit limit will seriously impact my credit score and credit report and indicate to other credit companies that I negligently went over the credit limit.That will have a detriment impact on me for future credit transactions. I contacted the company and they refused to restore credit up to the current balance unless I pay {$1600.00} to them. This is an unfair credit transaction and an violation of the fair credit reporting act.
I had received XXXX credit inquiries from a company called XXXX XXXX on XXXX XXXX and XXXX XXXX, both of which I had not authorized. I am signed up for credit report alerts service, which alerted me to these unauthorized inquiries. I got the information and then checked with the above company and they said that the inquiries were made in error, apologized and also sent me a letter stating that the inquiries should be deleted from my record, which I then forwarded to Equifax over a month ago. However, till date, Equifax has n't deleted those inquiries as required by federal FCRA act.
STATEMENT OF FACTS : On or about XX/XX/2016 XXXX XXXX ( XXXX XXXX XXXX 's Daughter ) Purchased a 2003 Buick Lasabre from XXXX XXXX XXXX ( buy here pay here car lot ). And because XXXX, XXXX had a good payment and relationship history with XXXX XXXX Auto Insurance he referred her to call them for a policy quote. Consequently, XXXX XXXX had maintained a XXXX XXXX ( XXXX ) policy for his 2013 Dodge Avenger for over a year. 
Further, Despite the fact that XXXX XXXX 's name was nowhere listed on the purchasing documents of this 2003 Lasabre XXXX XXXX repeatedly mailed delinquent monthly billing statements ( Fraudulent Billing practices in clear violation of 47 U.S.C. 151 ) to XXXX XXXX 's Home address in XXXX XXXX Florida despite the fact that XXXX XXXX lived in XXXX Florida and she had previously given them her address and phone Number. 
But XXXX XXXX never followed up with XXXX XXXX, and they never attempted to mail her a bill. Instead choosing to unlawfully use the U.S. Mail to repeatedly harass and threaten XXXX XXXX because XXXX XXXX listed him as a driver on her policy which she herself called and implemented with XXXX XXXX. 
Whereby, after several delinquent billing attempts to XXXX XXXX, And after several phone calls to XXXX XXXX by XXXX XXXX, he was Finally told That he would have to mail or fax proof that his name was not on the purchasing documents of XXXX 's 2003 Lasabre ( which they Insured ). And despite this Obvious absurdity XXXX XXXX obtained and faxed said purchasing documents to XXXX XXXX 's arbitration department ( as instructed ) On XX/XX/2016, And repeatedly called them for acknowledgement of receipt, ( where they repeatedly responded " we receive hundreds of faxes and we 'll process them as they come in. '' CAUSE OF ACTION : On XX/XX/2016 XXXX XXXX received a mailing from a collection agency that XXXX XXXX had given all of his information to and assigned them to collect a {$730.00} debit from XXXX XXXX XXXX based on their agreement to insure XXXX XXXX.
XXXX incorrect information : 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 ) Experian incorrect information : XXXX - ( XXXX/XXXX/XXXX ) XXXX - ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX - ( XXXX/XXXX/XXXX )
XXXX XXXX/PHEAA has not properly counted my qualifying payments toward Public Service Loan Forgiveness.  Around XX/XX/XXXX, my direct student loans were transferred from XXXX to PHEAA. Thus far, I have submitted two Employment Certification Forms to PHEAA, and PHEAA confirmed that both periods of employment were with qualifying employers. The first period -- XX/XX/XXXX, through XX/XX/XXXX -- was with the United States District Court for the XXXX District of Pennsylvania. The letter from PHEAA confirming this first period was dated XX/XX/XXXX, and assured me that PHEAA would  calculate and provide me with notification of the total number of qualifying payments I made during this period, along with other information. The second period -- XX/XX/XXXX, through XX/XX/XXXX -- was with the United States Court of Appeals for the Third Circuit. The letter confirming this second period of employment was dated XX/XX/XXXX, and assured me that PHEAA would notify me of the number of qualifying payments " [ i ] n the next few weeks. '' I have not yet received any written communication from PHEAA regarding my number of qualifying payments. 

On XX/XX/XXXX, I contacted PHEAA regarding PHEAA 's error in calculating my monthly payment amount, an issue I am currently trying to resolve with PHEAA. In that conversation, I asked about the number of qualifying payments related to my periods of employment with the courts listed above. I spoke with XXXX ( employee ID no. XXXX ) and with XXXX ( employee ID no. XXXX ). XXXX informed me that PHEAA determined I have only five qualifying payments during the two employment periods described above. I told him I had not received anything in writing with this information, and he said he would request that PHEAA send me a letter ; he said that he would request that the letter be expedited but told me it could take 30-45 days to receive the letter. I still have received no written communication from PHEAA regarding my qualifying payments, but NSLDS reflects that PHEAA has determined I have only five qualifying payments for PSLF. 

I have reviewed my own records during the two employment periods described above. During those periods, I made a total of 32 payments toward the loans at issue. All of those payments were on a standard repayment plan ( 19 payments ), a qualifying repayment plan ( 5 payments ), or were made under a different payment plan and were of an amount larger than the payment would have been on a qualifying repayment plan ( 8 payments ).
I have placed an initial fraud alert with the credit bureaus since I have been the victim of identity theft. Experian will not give me a credit report for free as the victim of fraud. They either direct me to a page to pay for my report or to XXXX.com. Since I am the victim of fraud I am due a free report without using my free annual request.
I used the " company '' Fedloan Help to transfer my student loans to a lower payment plan. Without receiving written or verbal consent from myself they removed {$320.00} from my banking account using a similar title to that of my student loan service at the time. As a result, they were able to remove the said amount four times. Upon noticing that this money was not going towards my current student loan and attempting to contact the company serval time, I had my bank stop payment. They used an alternate title to remove the money to which I needed to then stop the payment again. They then, attempted to contact me multiple times from a blocked number to address the money being stopped. It was claimed that the money should be going towards the student loan, but to the new company. Once my loan was transferred to the new company, it was stated that the money was not placed to the new account. In fact, my current principal balance when transferred went up by a total of XXXX. On XXXX XXXX, 2016 my student loan was a total of XXXX and when I received new paper work from my current loan company it is now XXXX. At this point in time, this company has taken a total of XXXX. 

The following is the contact information for the company : FEDLOAN HELP XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX Toll-Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Thank you for you time, in advance. 

Sincerely, XXXX XXXX XXXX
Recently became aware of a credit card with td bank that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were killed in an auto accident so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the death certificate of my sister which I faxed to them. After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
I have tried numerous times to have XXXX removed from my credit. I do not have a XXXX account & I have tried having this removed serveral times unsuccessfully. 
They are currently reporting negative on my credit for two amounts from XXXX. 
One for {$580.00} & XXXX from different dates. 
I did not authorize or have this account.
I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XXXX of XX/XX/XXXXso its showing up XXXX times on my credit report because I have more than one loan with Nelnet. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XXXX of XXXX. So if my account was bought current and back dated to XXXX of XXXX then how can there be late payments posted for XXXX and XXXX of XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at Nelnet has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XXXX of XXXX. 

I also spoke to an advisor at Nelnet and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my account.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
After paying off our mortgage we were due a refund and the mortgage company failed to give us our money. The company gave several excuses and hung up when we insisted on a response for our money.
Experian has just recently completed a dispute for me and just what I thought would happen did. I am disputing the accounts for XXXX XXXX as they are reporting incorrect information. I DO NOT owe the amount that is being reported. I stated this in my dispute and I included my court documents as proof that the amount being reported is not correct. Experian wrote back and stated " This item was not changed as a result of our processing of your dispute. Please review your report for the details. It goes on to say under the two XXXX XXXX accounts Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This item remained unchanged from our processing of your dispute in XX/XX/XXXX. How is that possible when there is a court document that I continue to forward to the company that states that I only owe {$1100.00} plus {$74.00}? What other documents does XXXX XXXX supply that would override the judgement of the courts? This also seems to be saying that Experian will no longer continue to look into the matter even though they have the PROOF that they requested to show that the information being reported is WRONG. This is my last attempt to fix this issue directly with Experian and if the XXXX XXXX accounts are not removed, I have already sought legal counsel with XXXX XXXX XXXX XXXX, my representative 's name is XXXX XXXX, her contact number is XXXX and her email is XXXX.
I sold an item on XXXX via PayPal and the buyer requested a chargeback with his credit card company for {$2300.00} on XX/XX/XXXX, stating the item was not as described. It turns out he made a mistake and admitted the item was working as intended in writing. He also reversed the chargeback with his credit card company and showed me a chat log, in which the credit card company said they sent a " release transaction '' to Paypal but it was never processed ( XX/XX/XXXX). They sent another release transaction as a follow up but Paypal insists they are still waiting to hear from the bank. In the meantime, Paypal 's credit division harrassed me with calls everyday about my - $ 600+ balance as a result of this chargeback and threatened to hurt my credit score. 

I have called Paypal support for help more than 10 times during this period, each time they say they will escalate the case and get back to me but they have never ever once called me back or emailed me back as they say they would. When I called today ( XX/XX/XXXX ), I was not able to get any help from the support staff. I was met with strong resistance when I asked to speak to a manager, and when he finally relented, he put me on hold for over 30 minutes and hung up before I could speak to a manager.
Meridian Financial Services is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.
I am writing to complain about practices of Bank of America XXXX. I am writing specifically about their policy for interest fees on balances paid in full. We made an error that we fully recognize as our own in shorting a payment by {$260.00} approximately. Upon receipt of the next statement dated XXXX XXXX, 2015 we received, we immediately paid any difference. Additionally we paid our full balance on the XXXX XXXX statement including the interest charge. Upon receipt of our statement dated XXXX XXXX, 2015 we were charged an additional interest amount based upon all of our purchases the previous month XXXX approximately {$4700.00} of purchases were subject to the rate ). Upon calling Bank of America I was told that while no where on the front page of the bill, which contains the summary and any interest charges, that on the back on page XXXX, in small print, it is written that " We will not charge interest on purchases on the next statement if you pay the New Balance Total in full by the due date, and you had paid in full by the previous payment due date. '' I understand that there is a residual interest charge, however, the statement is misleading as it states " Balance '' in the " Account Summary '' section on the XXXX page of the bill and does not specify " Pay Off Balance ''. It is my belief that credit card companies should include the payoff balance at the time of the statement so that customers can avoid large residual interest charges. I am a consumer who has never made this mistake in my 14 years as a customer with this company, and in doing so was charged on the mistake of {$260.00} a total of approximately {$80.00} due to the poor information provided. I made the payment within XXXX day of the closing of the new statement to bring my account to what I thought was in good standing. ( i.e the short payment was XXXX on a due date of XXXX, statement closed XXXX, I realized it on XXXX and made an immediate payment ). This is an abuse of the fine print and of the agreement. It is deceptive as well as probably the reason so many people who are much less educated than I are struggling with so much credit card debt. The company was without my short payment of {$260.00} that would have paid off the balance in full for a total of 4 days and earned {$80.00}.
Medical Data Systems has placed an account on my credit report. I have disputed this account with them several times to try and verify if the account is mine. I have requested that they send me a copy of the ORIGINAL contract with my signature and personal information verifying this account. They have never sent that information. This is also a Medical account so my medical/personal information was shared without my consent which is a violation of the XXXX policy. I have made them aware of that as well.
This is a complaint that regards a previous one, just in case PayPal ignores. 
PayPal said no errors occurred in PayPals processing of transactions, but this is still not answering two of my previous questions 1 ) and 4 ) : 1 ) like PayPal said : If youd like to cancel an eCheck after its issued, please call your bank, so I am asking, what does issues mean? Is pending considering issues? PayPal didnt state at all. Its term in help center is not clear. 4 ) PayPal customer service. Like I say, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different. So no errors? 
Here is one more question : If PayPal still have the bank statement that I submitted, PayPal should notice that my bank balance is only {$700.00} before I made any transactions. So have does PayPal make both Payment 2 and Payment 4 completed? That is total {$1400.00}. 
PayPal said Both of the documents you provided were heavily redacted. Yes, I cover my money balance and part of my account number on the bank statement and my height, weight, etc on the driver license. I dont see how these information related with the confirmation of my identity. If so, please provide details information of what PayPal needs to see to verify my identity. So far, I only received one email about the bank statement of one account is invalid and I resubmitted. Everything else still shows submitted for review for a week long. Please dont make up things. 
Additionally, I have two more transactions ( 7 & 8 ) showed up on my account on XX/XX/XXXX. PayPal customer service said this is a second attempt, but in my PayPal account activity shows all transactions are categorized as Completed. I believe what I submitted previous can back up my story. So no errors? Right now my PayPal balance is {$1400.00} ; however, even I deposited another {$200.00}, and still cant explain how PayPal get the additional {$500.00} from my account.
Shortly after purchasing my home I received a call from the National Bi Weekly Loan Association. They explained to me that they worked with my home loan company to break my payments up if I chose to do so. Not knowing that I was going to be charged for this service I agreed to break my payment up in hopes of paying my loan off faster like they had explained I would. The representative never once told me of any fees whatsoever. He worded things so that I thought they worked directly with Idaho Housing And Finance. I tried contacting the company in XXXX when my payment did n't go thru but never could get ahold of any representatives. The automated system just told me that they were experiencing high call volumes and to try back later. I did some XXXX searching to try and figure out what was going on and that 's when I came across reviews from people and realized I had been getting charged for this bi-weekly setup. I still have not been able to get ahold of this company to figure out how much I have been charged over the 4+ years that I made payments through them. Not only did they use sneaky habits to confuse me and fail to tell me about any fees, but they failed to hold up their end of the deal by helping me pay my loan down faster. I 'm under the impression that they have cost me much much more than I have saved.
XXXX XXXX through their Corporate Complaint Advisor sent me a letter within declaring an existing Account before belongs to them had belong to another institution, I always knew made that reality worth until finally XXXX had did recognized. The Account before came to XXXX had belong to XXXX XXXX XXXX/XXXX XXXX XXXX as also like XXXX does declares on letter. While under XXXX/XXXX  there a document that show a missed first payment at XX/XX/XXXX, on document there a reference at XX/XX/XXXX I had 3 payments past due. 
Why Experian do not act as they state on their Reports as " ... .This information is generally removed seven years from the initial missed payment that lead to the delinquency. Missed payments and most public record items may remain on the credit report up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, ... .. '', its not my case. 
Why Experian does not accept the Bank letter as a prove within other doc copies I been sent all these months asking to someone take a fair attitude within a consumer. What kind of investigation Experian does when answer back do not refer names? 
Are Experian above law to manipulate or hold information the way more convenient for third parties? 

I do have documents to prove all!!! 

I do ask to CFPB to make value your authority to push Experian fix that issue/matter!!!