WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a XXXX/XXXX/16 entry of a credit inquiry on my Equifax credit report by an online retailer named XXXX but Equifax refused to remove the inquiry. The credit pull was fraudulent and made as a result of an attempt by a person ( unknown to me ) placing an order and requesting credit in connection with doing so. The fraud was identified before shipment was made but false credit inquiries impact credit scoring negatively. I never placed an order or requested credit so no proper request to review my credit was made and no inquiry should be shown on my report. XXXX directed me to file a dispute with Equifax but when I spoke with them ( after XXXX attempts resulted being transferred and cut off ) XXXX in the Equifax fraud department informed me that Equifax does not really allow disputes for credit inquiries. Apparently Equifax allows consumers to submit a dispute online ( as I did ) but they are not handled seriously. Instead, the information remains as a " factual record '' that the credit pull occurred. This was my result. Equifax policy is that they will not make a change the entry without action by XXXX ( their client ). I am filing this complaint because Equifax 's position is wrong. I have the right to request a substantively meaningful investigation, not simply a sham review. Finally, I also contested an oil and gas credit inquiry when I disputed the XXXX credit pull because I did not recognize it - I never applied for an oil and gas card.
Describe what happened so we can understand the issue ... 
In a nutshell, I had a Chase bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. ( SEE ATTACHED LETTER dated XX/XX/XXXX ). I paid them, PER THEIR TERMS, and received confirmation from them via a mailed letter dated XX/XX/XXXX, that they are ... .. 'pleased to confirm that they received the payments to complete the terms of the settlement agreement ' ... ... ( SEE ATTACHED LETTER dated XX/XX/XXXX ). 

Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms stated in their letter to me, but are reporting : " charge off '', no mention of any settlement, and " settled for less than full balance '', etc ... paid in full for less than full balance, etc. ( see attached letter dated XX/XX/XXXX ). THIS IS NOT THE SAME THING AS THE XXXX WORDS I WAS PROMISED- " SETTLED IN FULL ''. 
I did not agree to " settled in full, for less than full amount '', or any similar term. The point of trying to settle this account was to clear the negative trade line! 
Chase insists they have no control over how the XXXX CRA 's report on this, and they are reporting this correctly. 
I see a BIG difference in an account being noted as SETTLED IN FULL vs. " paid in full for less that full balance changed off ''. 
I feel that their collection practices are fraudulent and I feel that I was tricked into trying to resolving this account, with false promises made by them about how the account would be noted, once paid per their terms. 
They also state that they can not delete information from my credit report, which is also a bold lie ( see attached letter dated XX/XX/XXXX ). They are the ones who reported this to begin with and, they have the power to correct this, or even just delete the whole trade line, since it is being disputed.
Wakefield & Associates sent a notice for a XXXX bill for a XXXX - which is NOT my name. My wife called and explained that this is not my name and not my bill. 
Several months later, we received another bill. This time, my wife sent a letter to Wakefield, as well as the Attorney General of both Missouri ( where we live ) and Colorado ( where they 're located ) explaining again that this is not my bill and to prove it was. 
Wakefield responded to the Attorney General of Missouri on XX/XX/XXXX that they had gone back to the original creditor and determined that this was n't, in fact, my bill so they would close the account in my name. 
My wife checks our credit often and, when she checked my credit on XX/XX/XXXX, realized that I had a collections account added to my credit report - from Wakefield & Associates and the bill was now {$49000.00} ( it started at {$25000.00} ). This is, of course, AFTER Wakefield told the Attorney General they were closing the file in my name and yet, now it 's on my credit report.
This account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXX XXXX is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!
I have roughly $ XXXX of Student Loan debt, $ XXXX of which is Private through Navient. All of my loans are cosigned by my XXXX year old grandmother who lives on Social Security benefits month to month and makes a yearly income of - XXXX ( she dips into savings every year ). My mother has cosigned XXXX of these loans for {$11000.00}. She too makes little ( she works for XXXX XXXX ) and is currently fighting a foreclosure suit on our childhood home ( my dad passed away in 2012 but prior to his passing, he took out a home equity loan for {$140000.00} - now my mom is stuck with this loan, even though she never signed the agreement and is a co-owner of the home - that 's another story ). She has a 401k. 

Navient will not let me lower my monthly payments because both of my cosigners show as eligible to pay the full amount of the loan. I am on a XXXX year plan right now but I need to extend to at least XXXX. After pestering and talking to the supervisor at Navient, I found that my cosigners are deemed eligible to make payments on the loans because they have assets - they are both homeowners and have retirement savings. I applied with XXXX XXXX to consolidate my loans and they will not work with me because I have too much credit out currently, even with a cosigner. I feel trapped and scared and horrified and I do n't know what to do. Do you have any advice?
XXXX, transunion and XXXX have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX XXXX by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX XXXX is up to date at my home address,,, they used my social security number to open the account XXXX XXXX account number is XXXX
My information was mishandled by Experian, myself and millions of other people at risk by their security breach. I am listed as a potential victim according to their XXXX website, and would like a resolution.
This company is a collection agency and they added an item to my credit illegally. By law they have to notify me of the debt and allow me 30 days to dispute it. I was never notified of this debt, nor given a chance to dispute it. This debt is not valid as I was living in an apartment unit that was not safe to live in and had to move. Shortly after I moved, the units floor collapsed and rendered the property condemned. Since this company failed to notify me of the debt in a timely manner and failed to allow me to dispute it, I can not rent with any other landlords. Them adding this to my credit illegally has affected my ability to get a place to live. The landlord was given proper notices and opportunities to fix the unit I lived in but failed to do so. I legally vacated the unit and there should have been no further charges or debts. If this company would have notified me of the debt, I would have showed all the proper evidence to justify my moving out, therefore it would have never appeared on my credit.
Hi. I received a call last week from Wells, Fargo Home Mortgage that my loan modification was denied due to my loan being over {$720000.00}. 
Yet, in XXXX, 2015 I was told to send them documentation to do a loan modification on my mortgage in the amount of {$900000.00}! 
XXXX XXXX from Wells, Fargo just sent out a letter dated XXXX XXXX, 2015 that my loan was denied since I did not respond to them. This is not true. I called and was told that my loan was under review and they sent me letters to the effect. 
We have less than XXXX days to a sheriff sale. This is unfair banking practices. 
In addition, there is a whole web-site on the internet about how Wells, Fargo Home mortgagehurts the consumer by continually switching account executives and not helping clients go through the modification process. Please take a look at this web-site. It tells you exactly what I have been going through. 
Please help us.
I am writing due to a misunderstanding regarding payment resulting in late fees and interest. The new balance of {$18.00} with a payment due date of XXXX/XXXX/16 was originally handled via ACH in a phone conversation with Citicards representative in XXXX. My wife and I always pay our bills in full and on-time, as attested to by our credit history and rating. 

The next statement ( payment due XXXX ), arriving less than two weeks after the original payment-due date, indicates a balance due of {$55.00} and the Citicard phone representative XXXX told me that it was actually {$74.00} due to additional late fees. 

I believe that an error in understanding, or otherwise, is behind the " missing '' payment of {$18.00} ( due XXXX ). 

I am asking that the late fees be removed this time. If so, we would continue as customers. 

On XXXX/XXXX/16 I paid {$36.00}, what I was told was the full amount due from XXXX identical monthly automatic transactions of {$18.00} each. This was to be payment-in-full for all monies owed to Citicard. Yet now ( XXXX/XXXX/16 ) Citicard tells me another automatic transaction of {$18.00} was charged on XXXX. However, again, I was told on XXXX that we only owed for XXXX transactions of {$18.00} each and my payment of {$36.00} that day covered all owed except for the interest charges. There should be no balance except the " interest charges ''. 

Additionally, the late fees appear to amount to well over 100 % on an annualized basis. Perhaps it is a calculation error but it does not seem reasonable or lawful. 

I sent, on XXXX, a XXXX letter to Citicard Customer service explaining all this and only received a general form letter reply that did not acknowledge any of the facts of this case. 

We always pay our credit card bills in full and on time. If Citibank is willing to calculate the interest charge on the original {$18.00} ( on the statement with payment due date of XXXX ) for one month, we would consider paying that to finally conclude this matter in a fair manner, especially when considering the considerable time I 've taken to resolve it and the rudeness of some Citicard representatives. 

Most recently, I spoke today with a Citicard supervisor, " XXXX '', ( employe id # XXXX ) who was rude and in need of retraining in communicating with customers.
I`m trying to refinance with a bank and when they ran my credit report, they said my Fico score was very low and most likely will be denied because  Well Fargo  mortgage company not showing that I`m making monthly installment. Because   XXXX   I went bankrupt but I called the bank to reaffirm them, that I will continue making monthly payment that was being automatic withdraw from my bank account. And all this time payment was never stop while I was going through the bankruptcy, never late or missed a payment! So I e-mail them my issue and they e-mail me back with the number to there bankruptcy department. On  XX/XX/XXXX  I call the number they gave me and I spoke to a rep and she said I was suppose to submit a letter by my lawyer but I told them when call why you didn`t you tell me that and her response was not our job to advise you what to do! If I have known that 6 years ago, I would have brought it to my lawyer attention and because of this matter I missed out on low interest rate. Rep, told me to fax a letter asking proof of payment from to  XXXX  to present time to show banks I`m making payment. But the bank I`m going through said that not good enough to up my score! Not the way to do business since I been a loyal customer! I really appreciate your help on this matter.     Sincerely  XXXX   XXXX
I was buying a home in XXXX, XXXX, with cash. On closing, I was in touch by email with my Title Insurance Company in XXXX XXXX, XXXX ( XXXX XXXX ) and my realtor in XXXX ( XXXX XXXX ) about wiring the money to the Title Insurance Company. I was not happy about wiring the money and asked if I could give a check when I met up in person with the both of them in XXXX XXXX but XXXX XXXX would not accept a check. I had problems wiring the money from my Citibank account in XXXX XXXX to XXXX XXXX and it took about a week to iron out problems with Citi as to how I could send it. To complicate matters I was in the XXXX looking after my frail XXXX year old father when the money was due and had to speak daily on the phone to Citibank Wire Services in the USA. Closing date was XX/XX/XXXX. On XX/XX/XXXX, a scammer, using the name and email of my Title insurer - XXXX XXXX -  intercepted our emails and instructed me to send {$220000.00} by wire to XXXX XXXX account in XXXX XXXX in XXXX XXXX. I questioned the bank details with XXXX XXXX as the account was not in XXXX but was assured that the HQ of XXXX XXXX was in XXXX. I knew this to be true and finally went ahead and wired the money on XX/XX/XXXX. Within 2 days I had realised that I was not emailing with the real XXXX XXXX and reported the theft to Citibank. Two amounts were returned to my bank account in XXXX XXXX - {$34000.00} and {$22000.00}. The amounts were wired to me from Citibank in XXXX. Since then I have been in contact with XXXX XXXX of Citibank as well as reporting the fraud to the FBI, XXXX, OCC, FHFA OIG, the Department of Justice, Federal Trade Commission, the Attorney General of XXXX XXXX, and the Attorney General of XXXX, but I have as yet received no further information about where my missing {$160000.00} has gone.
I received a copy of my credit report a few months ago and saw that there were some questionable items on my report. In XXXX I sent a letter to the credit bureaus asking for verification on this account - no verification provided. I sent a second letter to the credit bureaus i received the contact information for this creditor from the bureaus. I contacted the creditor asking for details on what this filing on my report is for. I have not received any answer for this except from the credit bureaus saying that this item is " verified. '' I have given this company over 30 days from when i sent the 2nd letter and almost 6 months since i sent the first letter. i am frustrated to see that in addition to receiving NO RESPONSE this item continues to show up negatively on my report. please investigate.
I became XXXX and lost a huge portion of my income. Navient kept piling interest on my loan while I could not pay my loan. Navient informed me that if I choose to request forgiveness of my loan, I still have to pay taxes on the forgiven loan amount as if it was ordinary income. If I could n't afford to pay my student loan payment, how in the world would I be able to pay the IRS half the total value of my loan plus interest?????? Not possible! This is a catch XXXX for loan recipients who become XXXX.
On XX/XX/XXXX I received a letter from Capital One Bank that they were decreasing the line of credit of one of my XXXX accounts by {$1000.00}. Be aware, this complaint is not about the decrease in the line of credit itself. One of reasons for the change listed in the letter was : Use of all of your availabile revolving credit has been too high on your Experian credit report I do not dispute that I need to work on getting my outstanding credit card debt down. I do not dispute that it is higher than what I want, however, by decreasing my credit line, they further negatively impacted my available revolving credit ( it, naturally further decreased ) and sure enough I had a downward adjustment to my credit score. I spoke with Capital One 's customer serve on XX/XX/XXXX. I was able to confirm with them that I was a customer in good standing ( this account has been open since XX/XX/XXXX ) and that, at least in the past year, I had not been past due, nor short paid an amount due during any billing cycle. Therefore, I dispute the reasons, listed in their letter, as being the true justification for their action. I presume their justification to be an intentional act to negatively manipulate my credit score and to then use the downward adjustment as a reason to upwardly adjust my card 's APR. And this is the heart of my complaint. By all means, Capital One should have the right to take the action they did. But, by allowing a system that then uses their action as criteria to negatively impact ones credit status, you are allowing the fox to guard the henhouse. And you are presenting the opportunity for lenders and the credit reporting agencies to conspire against honest, hardworking consumers who are trying to live within the rules of a rigged system. As far as that goes, having a request for an increase of a line of credit or applying for a new credit card/loan, negatively impact one 's credit score is grossly unfair. A consumer who works hard to build up their credit score prior to taking out a car loan, for example, is then penalized for accomplishing their goal? I submit that this begs for change. I hope you see this argument to have merit. Thank you for your time.
I have contacted XXXX XXXX Several times. This is not my loan. The address they have on file is for a shopping mall not my home. I have never lived in that town. I want this fraudulent loan removed from my credit report asap.
I am currently in chapter XXXX. The HOA stating I owe money for past due association fees which are connected to over 15 FRAUDULENT LOANS CONNECTED TO XXXX XXXX, There is a claim within the XXXX listing a XXXX total. I want the validation of debt sent to me since I am pro-se. 

Also, the representing attorney was reported for unethical conduct.
I have a Parent Plus Loan that I have been paying on time, diligently for what seems like forever. I also co-signed a small student loan for my son. He has not been making the payments. I have bailed him out twice and decided I would not do that anymore. I have been getting threatening letters so I spoke with Navient today. I told them I would brorrow money from my bank to pay off his loan. They quoted me {$4200.00} to remove all my obligations from this loan. I asked them to place a letter in my credit record stating I was a co-signer for this loan and lived up to my obligations. They stated they will not write that letter. Is there any legal reason they can not place a letter in my credit record?
On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.
The debt in question is over 14 yrs. Old and belonged to my wife. She is deceased. Pennacle c/o has been placing this information between my and her credit for over 12 yrs. The amount is for {$640.00} was supposedly owed to XXXX XXXX. They falsely represented their product which is what caused the debt to be incurred.
I 'm not talking about The active XXXX XXXX account. You know exactly what I 'M TALKING About the closed the one that is closed I 'm looking at the same think that you are Looking at because I have the Equifax credit monitoring service and you see exactly what I see. Send me the info that I requested from you. You sent all this crazy mail to my box if you can send that Equifax why not send the original sign contract that give you the right to report bad info.. You keep saying the creditors I 'm not asking them I 'm asking you something the federal gov put in play to protect people like like Now quick with the XXXX and send it if you have!
I was stationed in XXXX with the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In approximately XX/XX/XXXX I got a 1 year contract ( month to month after the 1st year ) through the on-post XXXX XXXX for XXXX XXXX ( XXXX ) cellular phone service. I kept the service until XX/XX/XXXX when I left XXXX due to a military XXXX. I cancelled the XXXX XXXX contract in XX/XX/XXXX as part of the XXXX checksheet ( a sheet you have to complete before the XXXX allows you to leave the country ). The contract had already reverted to a month to month contract, but was still cancelled the proper way in accordance with SCRA Section 535A. Two years later in XX/XX/XXXX, a company called XXXX XXXX ( owned by Rhojo Enterprises ) sends me a letter saying that I owe them about XXXX euro. I immediately emailed them a notice of dispute requesting debt validation etc. They called me and in talking to the company representative they claimed they did not buy the debt from XXXX XXXX, but that they were the US debt collector for XXXX. In XX/XX/XXXX they emailed me again saying I owed ( even more ) money to them now as they were charging 8 % interest on the " debt ''. They were offering to discuss a settlement in the email, knowing full well that the account was in dispute to begin with ( and this was 3 months later, they still had n't provided validation of the debt ). Finally, 8 months after it was requested in XX/XX/XXXX, they provided " documentation '' of the debt. This did not include the original contract with my signature, it did n't include the original contract terms, and it was basically a word document showing monthly statements for AFTER the contract was cancelled. A couple weeks later they sent me another email saying I owed them money and included the same documentation they had sent a couple weeks prior, with some of the information stripped out. I have n't paid any of this, and they still insist that they are the US reps for XXXX and that they did n't buy the debt from XXXX. They refuse to drop it, despite the fact that it is a clear violation of SCRA.
I 'm trying to obtain employment I have XXXX inquiries on my credit report do to fraud Trans union refuse to help a victim of Identity theft they keep giving me the runaround please help me they can remove them they just refuse too