WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from American Express on XX/XX/XXXX and the other from XXXX XXXX on XX/XX/XXXX. 

Please let me know how I can go about it. 

Thank you!
please note that I received notice in my email that I will be getting free monitoring services of my credit bureau report with Equifax for 1 Year due to the data breach, thereafter I received a link to sign up, which stated to enter my last four numbers of my social security card, when I entered it stated that that a four digit code will be text to me, which never came in. I called the Equifax and was lead to different phone numbers and no one could help me. Why are they sending information to get free monitoring when in fact it does not work. I do n't understand that people from other countries are accessing our personal information that work for Equifax, which to me does not make any sense to have our personal information lead by an individual who lives in another country.
The Discover Credit card does not want to hear and consider that facts that I am showing about the fraud on my credit card.

As I explained to the representatives at the Discover that i was away for work my card was charged at several locations in a different state. There was also a charge from XXXX   store and i was told by Discover that it delivered to my address.

1. I did not make the purchase/order from XXXX, which from what i was told was for 10 XXXX or so.

2. I did not give Discover permission to charge the card ( i was told by Discover that someone allowed the purchase to go through. ) 3. Discover card does not want to acknowledge the fact that i was away from New York in XXXX   when the orders and the charges were made. I am sure it is possible to track where the order was made and how and by who.

4. THE MOST IMPORTANT. The only fact that the Discover Credit card relies on and does not want to hear me, is that the delivery was made to my address and it was signed for it with my first name.

I however several times tried to prove that i did not receive the delivery and i did not sign for it. The fact that the investigators, discover card and XXXX XXXX. can not find the suspect does not make me responsible for the charges.

I am sending proof of three official government issued Identification cards and each of them has my signature on them that do not match the signature that was signed for the delivery.

If discover claims that it was delivered to my address and signed, it could have been received by anyone, outside, in the lobby ( because i live in an apartment building ) in the hallway.

So it is up to investigators and Discover to find who made the purchase and who received it. Also for the XXXX company who delivered the package. If the package was for an amount over 10000 dollars they of XXXX products they should have checked who they were delivering the package to, by at least checking the ID.

Once again please hear and read my information and do not only rely of things that favor you Discover Card and make conclusion without ALL the facts.
XXXX filed a hard inquiry on my credit report ( unauthorized ) they did this on XX/XX/XXXX. Thing is that acct shows never missed payment and last payment paid on XX/XX/XXXX acct closed XX/XX/XXXX. I have n't applied for any credit, or anything that a company would need my credit info.I 'm not understanding this. thank you for your time.
I have asked Transunion to send me copies of my original sign documents of the FCRA ACT SECTION 609 I have asked them 5 times to please send me the info and they have fail to do so at this point they are in violation of the fcra section 609 ( a ) ( 1 ) ( a ) also 611 ( 5 ) ( a ) which clearly states me as the consumer has the right to ask the reporting agencies to provide this info if they are unable to they must delete the item this is a federal law.
I am in the habit of paying my credit cards around the first week of the month. I do this electronically. I was under the impression that this was the correct thing to do, and in 2015 I have consistent records showing a payment to my credit card every month. In some months, I even paid down the cards twice. 

Chase, however, had my due-date set for the end of the month and so paying at the beginning of the month resulted in XXXX late fees. I believe that Chase sets end of month due-dates in order to confuse customers like myself, and this is an abuse of their power over their customers. 

Because I did not notice these late fees until now when I am preparing my taxes, Chase is refusing to refund me the money even though they agree that indeed, I did pay my credit card every month -- sometimes even twice in a month. 

I would like Chase to refund me these XXXX fees from XXXX and XXXX of last year - totally {$80.00}. In addition to my checking account, I have a mortgage currently being held by chase. They need to refund this money in order to keep me as a customer - I will absolutely transfer my accounts elsewhere.
I took out a title loan for my ex-husband at the time of the loan I was not employed. XXXX  did not verify if I had income as a means to repay the loan. XXXX  did however verify my at the time husband 's income. As well as had my husband sign a power of attorney. My husband and I are now divorced, and not to mention at time of the said loan in XX/XX/2018 I was partial in patient for XXXX XXXX reasons. Now the company is threatening to repo car. Was divorced less than month after the loan due to XXXX  XXXX. I haven't worked for two years because I'm XXXX.
Midland Funding Inc called me in XXXX 2016 regarding a supposed debt they purchased from XXXX Back/ XXXX XXXX. I requested that Midland Funding Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In colorado I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court Midland Funding Inc. XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for Midland. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for Midland and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.
I contacted Navient student loans in XX/XX/XXXX about my student loans due through XXXX. Upon doing so I was informed that they can check my eligibility for a student loan forgiveness program. I was screened and told I would be eligible for student loan forgiveness. I started my application and was told there was a fee of almost {$700.00} and that payment could be broken down into XXXX payments. I gave my acoount information and began my application process. I was informed by XXXX the consolidation company handing my student loan forgiveness process that this application process is actually free to do. Which means that the woman I spoke to XXXX XXXX ext XXXX, committed fraud by providing my application to a third party company which charged my account for payment which I was informed should have been free to process my student loan forgiveness application.
I am the parent and borrowed for my daughter to attend school at XXXX XXXX XXXX College. For two years XXXX and XXXX I borrowed from Parent Plus loans. Navient has been emailing me regarding the paying back of the loan. I had sent them money for both years paying 12 months at a time as I can not afford to have another monthly bill. My daughter returned from school having finished her XXXX XXXX in XXXX. Now Navient is telling her that she borrowed {$12000.00} dollars and that she has to begin paying back. I know that my daughter XXXX XXXX had not borrowed any money from any bank because she received grants for part of her college education. They have not tried to assist us in understanding this problem. We are only being told what my daughter owes.
I paid off my mortgage with Nationstar Miortgage in XXXX 2015. When I called to find out what the final payment was I was informed to send a few XXXX dollars more to cover additional interest that might be due. I was sent a refund check on XXXX/XXXX/15 for {$330.00} which bounced when I deposited in my bank. I was charged a {$12.00} returned item fee by my bank. I have contacted Nationstar numerous times and was told that the check would be resent to me. Finally today I got an email from the supervisor that I spoke to who now states that someone tried to cash the check twice and that if given approval they will reissue a check. I do not understand how a financial institution can bounce a check. In addition I have not received the Satisfaction of Mortgage document which I am now told it is my responsibility to obtain. I have had numerous mortgages and I own a number of homes and have never heard of such a thing. I am always sent the document as soon as it is recorded for which a fee is charged. I do not know what else to do to get the money that is due me and the document that I need to sell the house.
For each of the last three days ( XXXX XXXX -XXXX, 2017 ) I have attempted to place a credit freeze with Equifax due to its security breach. After I entered my information on the Equifax 's website, I reach a screen that says the credit freeze service is unavailable at this time. I attempted to call Equifax to try to achieve resolution, but got only recorded messages that provided no help. I would like you take action on the behalf of myself and others to require Equifax to make credit freezes available when people ask for them. That 's the very least Equifax should be expected to do to prevent damage resulting from the security breach.
XXXX 2011, I purchased a vehicle from XXXX, XXXX NC The loan was approx. amount of XXXX the length of the loan was for 72 months. I was approaching my paying off date, so I inquired about other charges to close the loan. They said I owe {$9600.00} to satisfy my loan. The figures do n't agree, and reflect a huge error. apply basic math 72 pymts @ {$520.00} per mo. -- -- -Time range of loan XXXX XXXX to XXXX XXXX now they are saying the payoff amount is {$9600.00} approx. loan approx. {$38000.00} auto approx. {$23000.00}, monthly pymts per mo. {$520.00}. Something is n't right. I 'm paying approx. {$47000.00} for a {$23000.00} vehicle. My bank is providing all transactions since XXXX XXXX to current. I will forward these documents asap
As of XXXX XXXX, I have not been able to pay on this Wells Fargo Acct # XXXX, the interest and late fees, just keep adding up, I would make weekly payments and it did not put a dent in this acct., I have tried to consolidate with Wells Fargo XXXX and was denied, I went with another Consolidation Company who has helped me consolidate my accts and have all been paid off including another W.F. acct .witch has been paid off, this W.F. acct is the only XXXX holding me back to start a better future, attached I have a statement that shows all the late fees and interest, what the problem is, that W.F. will not work with my consolidation company because on XXXX XXXX, XXXX they took a payment of {$960.00} from my daughters account, witch they have returned to us after I made a complaint with your bureau, when they took the money they said it made my account courant, but now no one knows how to adjust this problem to make my acct. past due since the money was returned to me, this has caused me a lot of stress because this is something I can not pay on my own, I am asking that you please help me to help them resolve this problem and work with me and the consolidation company, every time we call, they have been rude and say they do not know how to resolve this problem, if they would have never taken that money they would have excepted the payoff, I hope you can help me with this matter.
For several months I have been receiving recorded messages threatening to take some undefined action against me if I do n't return the call within 24 hrs, or by the end of the day. These calls are mostly from XXXX and occasionally XXXX and XXXX. When returning the call to the first number there is no answer. At XXXX time they identified themselves as Highpoint Assets. They ask for a person who has a similar name to mine. These calls come at least daily and sometimes more often. I did reach a person at the second number and found out it was about some credit card, which I do n't have. The calls stopped for about 6 weeks and started again recently.
There is a collection on my credit report, reported by XXXX XXXX that originated with XXXX XXXX XXXX for a home that I rented through them. We were there throughout the term of the lease and had complained several times that the home was bug infested. Once the term of the lease had ended, I did a walk thru of the home with the Landlord and was told that everything looked fine. I then received a letter that I would not receive my security deposit back and that the home was damaged due to a bug infestation. According to Texas Lease Law - the Landlord must send me the balance of my security deposit along with a list of damages and costs for any repair. I have never received an itemized list nor do I  have any idea of how they came up with this balance owed. This is a violation of the lease law and I request that this item be deleted from my credit report.
Submitted disputes with company where either information was incorrect or did not update. When items were reported to be removed by creditor, they were not removed. Timeliness and accuracy of reporting was inefficient.
I filed a complaint with the CFPB on XX/XX/2017 regarding the company HP Sears reporting inaccurate information to the 3 major credit bureaus. The complaint number is XXXX. 
The company responded the following on XX/XX/2017 : Our records indicate that substantiation of the debt was mailed to you XX/XX/2017. On XX/XX/2017 our client close your account with our office do to non payment of the debt. We sent all three credit bureaus instruction to delete this matter from your credit history on XX/XX/2017. We have verified with XXXX that this is not on your credit history any longer. If you have ran your credit report and this item still remains please contact our office for further assistance with the removal. 

The reporting has since returned back to my credit file with the credit bureaus. 
I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I make over-payments nearly every month. My account at with my mortgage servicer is supposed to be set up so that over-payments are automatically credited to the principal. However several times over the last few years Ditech has taken to diverting my over-payment to other " accounts ''. Several times they have taken to diverting my over-payment into an " Unapplied Funds '' account, as if I had not made the full payment due. Each time I notice it on my next statement, I have to call in and have the customer service representatives move the credit to my principal, and each time they tell me that my account is set up so that any over-payment is applied directly to principal as of the payment date and they " have no idea why this happened ''. They will " fix it '', and for stretches of a few or several months the payments are applied correctly again. 
Last month, my servicer diverted my over-payment to my escrow account, although I did not designate the over-payment to go to escrow. When I called in again for them to fix this problem, I got the same line from the customer service representative : my account is set up so that all over-payments go to principal, we have " no idea how this happened '', and she submitted for it to be fixed. This time I thought to insist on the application to my principal being back-dated to my payment date as well. 
As per my understanding of my account terms, all over-payments I make are supposed to be credited directly to principal. Each time I speak with customer service representatives they confirm this to be true, but the company just does whatever it likes with my money. I resent that I have to babysit my mortgage servicer. Carrying an extra hundred or two on the principal for a month or so costs a few dollars of interest, but if I was not quick to pay attention it would add up. This time, the one diverted over-payment was {$280.00}. When put into a mortgage calculator at the correct date, that one over-payment saves me {$490.00} in interest charges over the projected life of my loan. That is hundreds of dollars more profit to this servicer than I even suspected! By waiting just one month for me to notice and apply the over-payment, they might have profited an extra XXXX dollars and change from me, but it all adds up! 
As far as I see it Ditech is stealing by account terms manipulation, purposefully. They brag that they service XXXX loans. Granted not everyone makes over-payments but how many other people are they stealing from in this manner? It ca n't be legal.
I have signed up for a loan forgiveness program. However I am starting to believe this may be a scam. The company in which I have signed up with is called XXXX XXXX XXXX. When I try to contact the individual in which I spoke to originally, there is no way to contact him. There is an official website XXXX XXXX   XXXX This company is charging a fee of $ XXXXmonthly for 24 consecutive months. I was informed that a company should never charge a fee to enroll into a loan forgiveness program. Payments are taken directly out of my account to a company called XXXX XXXX XXXX. Account # XXXX. 

Contact information that I was given initially is XXXX XXXX | Enrollment Advisor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Direct Line XXXX | Fax XXXX Visit us at XXXX The contact number for this company XXXX.
I have spoken with three representatives at chase bank about my concerns and all of them are on a different page. There is no exact answer as to why my account is negative and I disagree with being charged twice no representation being shown for It.
XXXX XXXX XXXX has two accounts on my credit report that should not be there. The first one is a credit card account number XXXX showing an opening date of XX/XX/XXXX. The second is an Auto Loan account number XXXX opened on XX/XX/XXXX. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraudulent information removed from my report.
I received a call from " UNKNOWN '' number. Voicemail left said that documents were refused and to call the firm that hired him within 2 hours. " CALL NOW ''. This person then called family members and left the same message. I called the number back twice. The woman who answered the phone answered with " law office ''. She identified the law firm as " Roberts Law ''. She said she would send an email to the " server '' and tell him not to call anymore. The number I was told was - XXXX.
We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX ,  XXXX , Experian.  Reporting  that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.
I 'm filing this complaint because XXXX formerly XXXX ( XXXX XXXX XXXX ) apartments mailed me a final bill on XXXX XXXX, 2015 stating I had 30 days to pay the balance of {$580.00} which is not the correct amount. Then I rec 'd a letter from Hunter Warfield ( a collection agency ) dated XXXX XXXX, 2015 stating that the account is now in collections and on my credit report. There a few issues going on here : 1. ) the 30 days stating in XXXX XXXX XXXX 's ( XXXX XXXX XXXX ) letter had not expired, 2. ) Crossings at XXXX ( XXXX XXXX XXXX ) never gave me a opportunity to dispute the balance and/or pay before sending me to collections ; 3. ) The Collection Company-Hunter Warfield did n't offer me an opportunity to dispute/validate this debt either ; 4. ) Finally, the collection company did n't verify with XXXX ( XXXX XXXX XXXX ) that this was a valid collection debt ... 
I want this filed as complaint against this company considering I have already filed several complaints with corporate office about the ill practices of their XXXX, AL office ( XXXX XXXX XXXX ) located at XXXX XXXX XXXX, XXXX.
When I got divorced I assumed my car loan and a personal loan. My ex-wife assumed her car loan and a personal loan. After we were divorced for awhile she filed for bankruptcy on her XXXX loans. She did n't make her minimum payments for the bankruptcy so the loans came out of bankruptcy for her to pay on. She is n't paying on the car, it was repossessed, and now the bank is coming after me. This debt was hers to pay per a court order. I am being harassed by the bank and it is ruining my already damaged credit. They are threatening to turn this in as income under my name. My ex-wife is n't getting any notifications from the bank. Her bankruptcy also showed up on my credit as her personal loan was written off as a bad debt.
While checking my USAA Federal Savings Bank checking account it was noticed that a person I was married to approximately thirty years ago was designated as an authorized signature on my account. This was done by USAA Federal Savings Bank without my consent and I was not notified by the bank. 
I called USAA Federal Savings bank and asked about this problem. I was told the Bank had a computer glitch and they had taken care of it, BUT some accounts had fallen through the cracks and I was XXXX of them. 
No apology, no compensation for violating the trust I had placed in that institution. 

I am not certain if I filed this complaint at an earlier date, but I have no record of a response from the Consumer Finance Protection Bureau.