WillisBack/dataset-financial-user-claim huggingface dataset:
No I have n't disputed anything with Experian because all the credit bureaus are doing the same thing. I just got a copy of the above report. It shows XXXX Inquiries, of which about XXXX of them I had no knowledge. I did n't ask for credit from anyone. I did ask for a lower rate from the XXXX credit card I have, XXXX XXXX. As far as " preapproved credit offers '' go I 've never in my life received a true pre-approved offer. These companies scan my credit to see if I 'm worthy of their solicitation. Then when I ask about it, they say now we have to run your credit to see if you " qualify ''. So there is NO firm offer of credit with those solicitations. They are using this ok from the government to look at my credit for illegal purposes. I have XXXX company that I am licensed with to sell insurance for that runs my credit whenever they feel like it. Yet, I am not given nor ask for any credit from them. This is outrageous. I want to make sure none of my credit info is given out to anyone without my knowledge or request. I 'm sure this practice helps enable the evil folks who want to steal identities!!
Equifax has a " promotional block '' on my credit for some reason???? 
My credit is perfect - all OKs - what is a promotional block??? 
I want it removed.
I was contacted by an unknown number that left a voicemail. Said his name was XXXX XXXX and had documents for me and I had to sign with a witness. I was given a call back number. I called and I do n't believe they identified who they were. The man said something about a Citibank account- Shell card.  Now this is a debt I do owe but their information was not lining up. They claimed they were working with Citibank to collect and that if I did n't comply, they would sue. I contacted Citi and they no longer own my account- it 's been sold to a debt buyer which I 'm unsure who owns it. But they gave false information stating Citi would sue. Mind you, this is an account that 's maybe 400 dollars. When I told him I was not home for the courier, he said they would go to my wife 's work. My wife is not on the account with me so that right there is a red flag. When I XXXX  the number all sorts of things came up and most experiences were similar to mine. I contacted the police and they too think it 's a scam
I purchased XXXX XXXX XXXX in XX/XX/2013, the car was valued at {$20000.00} before my down payment. I had the car a total of 5 years, towards the beginning of the 5th year the care was repossessed and determined that I still owed {$15000.00}. I spoke with a rep who sent me over a break down of payments. All but 5 payments went to principle only. As of today the car is still repossessed however the bank now sates that I owe {$17000.00}. After speaking to someone to determine why the balance was still so high, she stated that she didn't know. I do not agree that all the money I have paid over the past 5 years should not have gone towards my principle.
I have disputed Inaccurate reporting of MOHELAXXXX XXXX XXXX   multiple times with XXXX, XXXX and XXXX with no help. These are not my account. 

MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late
XXXX , formerly  XXXX   XXXX  refuses to work with customers regarding options to repay private student loans when there is financial hardship. They require payment for forbearance, which is only for a 3 month period. When having difficulties paying loans, I attempted to provide a small payment, i.e. my outstanding balance was {$420.00} and I paid approximately {$150.00} in  XXXX , as I could not afford the payment and no other options were made available to me.  XXXX  calls my personal cell phone multiple times daily in order to make financial arrangements. I have received  XXXX  calls per day almost every day from them ; I believe this qualifies as harassment.
in 2016 I contacted XXXX communications directly. They agreed to remove the debt from my credit due to faulty and improper information. I have a correspondence dated XXXX to XXXX and XXXX XXXX XXXX. They removed the debt from my credit and stopped mailing letters and correspondence. 

Now I receive a new collection, listed upon my stellar credit with the same amount and under a new collection company. Waypoint Resource Group out of XXXX XXXX Texas. 

I have a nasty gram letter I have written to them as well penned today XXXX. 

This was already removed by XXXX Once it is to stay removed!!!! Period!!!
I was contacted by a company called Asset Recovery Associates last week while I was traveling for work. A voice mail was left for me to call back a " XXXX XXXX '' about an important matter but it was very vague. Upon calling back, I spoke with XXXX XXXX who explained that he was calling about a credit card account I had back in 1993 when I was in college which was now up to $ XXXX. He said that even though it was way past the statute of limitations, it was going to court and I was going to get my wages garnished and this was my last chance to resolve it voluntarily. I said I wanted to speak with his supervisor and I began speaking with XXXX XXXX who said I had a choice of paying a settlement of {$2100.00} or I can pay {$300.00} per month but that would mean paying a total of $ XXXX. I said I was traveling for work and had to call back. 

2 Days later while on my way back home at the airport, I get a call from someone from my office telling me that a XXXX XXXX called, saying he was calling on behalf of the XXXX county court and that he was an attorney and that my wages were going to be garnished!!! He told this to some at my office. 

Furious, I immediately called back was treated in a very mean and unprofessional way by this undereducated thug. I insisted on speaking with his boss, XXXX XXXX got back on the phone and told me that my wages would be garnished. She bullied me into a {$1400.00} settlement. Fearing that more calls would be made to my place of work, I gave authorization for this payment and I now regret it. I have an attorney that is going to be suing them but I want to warn other people to BEWARE of this horrible company that misrepresents, lies and uses fear to steal money from people on debts that are no longer valid. 

They are located in XXXX XXXX, ILThe number that comes up on caller ID is XXXXI was told by attorney that this company has been sued 19 times for this type of thing. I want my {$1400.00} back and I am going to get it. I NEVER file complaints but once my place of work was contacted, I felt compelled to do so.
I have been contacted on numerous times by phone and mail concerning an amount of money I allegedly owe. I do not recognize the firm that I allegedly owe this money to. 
I called last Thursday, XXXX XXXX, 2016 to get information and they asked me to call back today, Monday, XXXX XXXX, 2016, which I did. After being transferred to XXXX different people, they told me they could NY provide information as the account was under review but the would not tell me why. I told the last person I spoke to, a XXXX XXXX, that I wanted to settle the account for {$1500.00}, which is what I can afford at the time. They asked me to call again. 
I want this to be over! 

The firm is Midland Collection. 

Can you help me?
We had trouble making payments to our loan servicing company - Selene Finance - due to a dip in our business, since XXXX 2017. Over the last three months, I had requested loan modification materials, due to the fact that we have been in our home for 15+ years, and have substantial equity value in the home. While the company calls near daily with robo-calls to ask when we are going to make our next payment, they have not provided the loan modification docs, and we have now fallen seriously behind - six months - and are likely facing foreclosure. I am concerned that this is a strategy, since there is a substantial difference between our mortgage amount ( {$200000.00} ) and the market value of the home ( {$430000.00} per XXXX ). We simply want to find a modification program to bring us current, as we will be in the position to resume regular payments.
in XXXX a judgment was filed against me in XXXX XXXX Case # XXXX for {$12000.00}. Asset Systems has contracted with no less than XXXX attorney agencies to collect on this judgment. In XXXX I had no less than XXXX agencies garnishing my wages. Sometime during XXXX XXXX to date, Asset Systems was paid a total of {$7800.00} of the original debt filed against me in XXXX. Per a statement from XXXX XXXX w/Asset Systems on XXXX/XXXX/XXXX, they dropped the collection on this debt because they could n't not get their garnishment attempt in place because of the other creditors waiting with their Writs. The newest letter I received from XXXX XXXX XXXX, on behalf of Asset Systems has filed a claim that I owe a total of {$11000.00} on the original debt filed, again, back in XXXX under the garnishment case listed above. I have filed a complaint w/the AG 's office for Oregon. I will be filing a dispute w/XXXX on this demand for payment stating that Asset Systems, through previous garnishments have been more than paid for the debt they claimed on me since XXXX. Unfair collection practices is happening and I request that a full investigation be made on this case. I will be requesting from my current and previous employers, copies of all garnishment payments made to agencies under this case number. Once I have this information I will provide this to any agency proving payments made on this case since the date it was first filed.
Bank of Americas check hold policy/risk department literally put me and my fiance in harms way being out at sea without the insurance we tried to purchase before the trip. We sold our home in XXXX California and drove across country to pursue our dream of living on a boat and travelling. We had a credit union in California but needed to open an account that would hopefully allow us easier access to our funds. On XX/XX/XXXX I went into the XXXX, Florida branch to deposit the funds from my credit union in California. I spent over an hour with a branch manager to make sure that I understood their Hold Notice ( see attached ). They give you {$200.00} upfront and then Hold code A was supposed to be released allowing me access to {$4800.00} and then hold D was to be released on XX/XX/XXXX for the remaining balance of {$15000.00}. Neither of those dates were honored even though I have the Notice of Hold outlining the dates and amounts. ( see attachments ) I was not notified by phone, e-mail, or text that they were not honoring the hold notice. I was informed at the grocery store by the cashier that my card did not go through. Upon my effort to find out why, I was informed that they did not release the {$4800.00} and that the {$15000.00} was going to be held until XX/XX/XXXX. The risk department wanted to place the burden of proof on me that the check had actually cleared. Now, that I dont have internet access what they want me to produce is not possible. They blamed my credit union saying that would not verify the check had cleared. The credit union offered to do a three way call with them to validate that the check cleared. That was not possible because the risk department much like the XXXX XXXX XXXX never speaks to the customer. I was able to supply them with the front and back of the check but that did not suffice. Apparently it takes 24 hours to escalate within the risk department so now we have lost yet another day. I spent three full days trying to resolve this to no avail. All I received was lobotomy type responses from all of their terrified employees to go off script and try and help. We did run into trouble and did need to get towed to the tune of {$1300.00} ( see attached receipt ). BofAs draconian, arbitrary, greedy hold policies turned what was supposed to be a beautiful trip into a XXXX nightmare. This has to be a violation since I have the hold notice that was not honored and through no fault of my own. The cash was not actually in my account until XX/XX/XXXX @ XXXX XXXX in the morning.
I am currently enrolled in a XXXX XXXX XXXX program for all my medical bills. Harvard Collections Service was deducting $ per month until I enrolled in the program. Once enrolled in the consolidation program, the agency were informed to cease deductions. They were provided the information to call to work with XXXX ; however, they continue to ignore and deduct without consent. In XXXX they continued to deduct which lead into XXXX and most recently in XXXX. I have spoken with the representatives and informed them to stop. They are calling repeated, continue to deduct from my bank account after they were instructed to stop. The deductions caused overdraft charges. I spoke with the manager, XXXX XXXX XXXX informed him he is violating my rights, deducted without consent. I sent an email and a certified letter ; however, filing a complaint since my efforts are ignored since XXXX. I will contact my bank and advise them any more deduction is illegal. they continue to run my credit every few months causing my credit score to drop dramatically which is effecting other issues. If you help that would be grateful.
Equifax identified a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files, the unauthorized access occurred from mid-XXXX XXXX XXXX 2017..  The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. Criminals also accessed credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers.
On XX/XX/17 I sent a letter via certified mail to Credit Management , LP. It was received and signed by someone from the company on XX/XX/17. In the letter I was requesting validation of a debt that was listed on my credit report for Acct # XXXX. In the letter I also requested from Credit Management : the agreement from the company they are collecting for showing that authorizes them to collect on this alleged debt, the agreement that bears signature of the alleged debtor wherein promises to pay the creditor. Complete payment history on the account to prove that the debt amount is correct. I have yet to receive a response or documentation verifying the debt from Credit Management , LP since requested over XXXX days ago.
I had a client who received a trial loan modification. She signed the paperwork in XXXX and was advised the XXXX payment would be due on XXXX XXXX, 2015. ( XXXX ) This agreement did not advise her not to pay the XXXX payment, so she made her regular XXXX payment since the trial agreement said it did n't start till XXXX XXXX. XXXX XXXX never received a phone call or letter advising her since she made the XXXX payment she broke the agreement and she would have to start the process all over again. There are no notes to myself either in the Hope Loan Portal regarding this situation. XXXX XXXX had already made the XXXX payment prior to signing the trial mod that had to be sent back to Chase before the XXXX XXXX deadline. XXXX XXXX notified me on XXXX XXXX that she had received a trial loan modification paperwork ; however, XXXX XXXX again had already mailed her XXXX payment since it was due on XXXX XXXX. So there was no way she could have not had the payment go to Chase. How can this be justified as breaking the trial mod agreement if it did n't even start till XXXX XXXX, 2015. There is a note in HLP stating that she had been approved for FHA Hamp on XXXX XXXX ; however, she did not receive the paperwork until XXXX XXXX, and again she had already mailed out her XXXX Payment ...
I have an acct with you that was from identity theft and is fraudulent that i have not opened or opened any associated account i have filed a police report regarding this issue of the acct being opened fraudulently and have a notarized identity theft affidavit and it has yet to be removed or collection closed
I sent suntrust a check to pay the escrow shortage ( for the 4th year in a row ) and for the 4th year in a row I was sent the WRONG statement. Because I paid the escrow shortage I should have gotten a statement for the LOWER monthly mortgage amount but of course they still sent a statement for the higher amount. I was told last year that this problem had been fixed and that I would receive the correct statements in the future if I paid the escrow shortage. That was clearly a LIE. I also asked several times for someone to explain why my escrow is short EVERY YEAR. But again no one has because for the 4th year in a row my escrow has been short. This is not a problem I 've had with other mortgage companies and I do not understand why suntrust can not get it right and no one will answer my questions. I am tired of their complete incompetence and lack of customer service. This is UNACCEPTABLE. They need to send me a CORRECT bill IMMEDIATELY for the amount due XX/XX/XXXX.
I have XXXX inquiries on my credit report that I did not authorize. I have contacted Transunion requesting removal of these unauthorized inquiries and was told there was nothing that could be done and they suggested I call the companies which I did and was told by the companies to dispute it with Transunion. I feel this is unfair because I do n't have credit accounts with these companies nor did I authorize the inquiries and Transunion wo n't remove them. This has caused my credit score to go down. Below are the unauthorized inquiries XXXX XXXX XXXX Bank - Dated XXXX XXXX, XXXX XXXX - Dated XXXX XXXX, 2016
I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Transunion regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with an Agent. I advised him that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Transunion is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       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
The original loan was for a motorcycle in which, I co-signed for my daughter 's then college boyfriend who we felt needed some help. The bank has now changed several names and different ownership. National City Bank is no longer and back in the XXXX 's not much done electronically, I had a payment booklet and the loan was paid off. At the time I never received a former letter or the title to motorcycle since the bank became defunct. Therefore this new company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, XXXX bought these defunct pay loans for pennies on the dollar trying to collect on bad/ written off or closed loans. I was contacted in XXXX 2015 stating I owed thousands of dollars from this company. Needless to say I was strong armed into thinking I did and I agreed to much lower amount and paid them {$800.00}! I made XXXX payment of {$200.00} dollars each via check. I have filed a local police report with my local police department and in process XXXX, where I live, XXXX, and then I am doing the same process in the state XXXX where this company is located. Therefore once they received the last payment I was promised my title and end of loan paperwork. When called again the person is conveniently unavailable and when called by the police he was hung up on as well. I will be uploading my paperwork as requested from this so called company.
Been in the re modification stage of my mortgage loan for 7 months. Was stated that it would be ready in XX/XX/2015. Mortgage company still has yet to finish the modification.
I received a phone call from XXXX XXXX at XXXX XXXX on XXXX/XXXX/2016. The number is XXXX. XXXX XXXX. is XXXX. She stated she was not a debt collector but a litigation specialist from the check fraud unit. She stated that I had been charged on XXXX counts, check fraud, malicious fraud of a financial institution and theft by deception. The Docket # was XXXX XXXX. I told her this had been filed on Bankruptcy and she said it did not apply to Federal Monies. She said that they had contacted the prosecutors office and they wanted to officially file charges today. She then stated that the paperwork had already been sent to XXXX County and if they could not locate me within 24-48 hours they would suspend my license until an arrest had been made. She said she checked with the State attorney 's office and I would be issued a bond in the amount of {$4000.00}. She said she could try to assist me in not being arrested if that was what I wanted her to do. I told her sure. She placed me on hold as if to be contacting the States Attorney 's office. She came back to the phone and said unfortunately, I hate to be the bearer of bad news, but these are your options. I could send them a Certified Form - XXXX XXXX from XXXX The blue and white form in the amount of {$260.00}. She said the state attorney 's office agreed that if this was paid before XXXX. they would not charge the court cost, filing fees and other fees. But it had to be received by XXXX It was to be sent to XXXX XXXX the security receive code is XXXX, the Acct # is XXXX in the amount of {$260.00}. I told her I would send the money and call with the reference number. Once I hung up, I contacted my attorney and they told me it was a Scam, and they in turn called XXXX and they also called the Court. Once the money was not received by them at XXXX, I received a call from XXXX which is the Justice Court Number in XXXX County. I answered but nobody said anything. I called back and they said Justice Court and hung up. I called my lawyer back again and they then called XXXX at the Justice Court and they both instructed me not to send any money it was a Scam. XXXX was to contact the Sheriff 's Dept and I am to call also.
I looked at cars at XXXX XXXX in XXXX XXXX. 
After I was pressured into signing a paper I immediately asked the sales rep to cancel my application. 
XXXX XXXX ran my credit to various lenders without my permission and now the Credit Companies refusing to remove the inquiries. 
This is fraud.
Despite repeated notifications, DirecManagement continues to report that it is collecting a debt that I do not owe. Initially, they reported to debts owed to XXXX XXXX XXXX XXXX, XXXX for {$250.00} and the other for {$41.00}. XXXX these debts were paid directly to XXXX XXXX XXXX XXXX directly some time ago. I have disputed the collection accounts XXXX ; DirecManagement appears to have deleted the {$41.00} collection but verified the {$250.00} collection as valid. I never paid DirecManagement any money nor do I owe them any money. They are continuing to damage my credit for a debt I do not owe. They have failed to respond to any of my letters to them but continue to report negative information on my credit files.
I deposited a third party check to my USAA checking account using a mobile banking app. I endorsed the check " for deposit only to USAA XXXX account number xxxx ''. USAA did not want the check processed in that way. In response to this issue, USAA chose to freeze all my outside electronic transfers. I still have the check in my position. I am happy to process the check in any way USAA prefers. However, they still claim that my electronic funds transfer process will remain frozen for the foreseeable future.