WillisBack/dataset-financial-user-claim huggingface dataset:
The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
Cbna Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks
I contacted PNC To dispute transactions because someone fraudulently took my card. They processed the dispute and refunded {$200.00} in applicable fees. Then PNC Denied my dispute and debited my account {$400.00} for fees when they only originally refunded {$200.00}. PNC stole {$200.00} from me and when I contacted them to request this be resolved and to redispute my fraudulent transaction they said I had to wait 10 business days for the money stolen from me by the person who stole my debit card AND by the bank that stole my money. UNACCEPTABLE. PNC Stole my money and it will be over a month before I get my money back.
I traded my car in on the XXXX the company that we bought our other car from said they mailed the payoff in time. There is a negative balance for that account on my credit report. when I called the finance company they wanted me to pay. They said it was a late charge with fees. Yet the car company told me that they sent it off in time and they did their research and that it was there before the next due date. So it is showing as I owe them XXXX dollars on my report and yet when I call them they say I owe them XXXX dollars.
I applied for a mortgage in XX/XX/XXXX and this company started reporting a {$330.00} debt on all XXXX of my credit bureau reports. I then called them and asked for verification that the debt was indeed mine and proof that I owed the debt. Their response was that they had sent me a letter but I had never heard of them or received anything from them prior to my calling. I explained this to them and they told me I had to file a police report (? ) to get this removed from my report, as if my identity had been stolen. They refuse to verify the debt and send me proof that it is mine.
XXXX is reporting to Transunion, Which they have not verified the debt that I owe.
XXXX XXXX {$660.00} PRO Collect left a 38 second message stating this is an attempt to collect a debt by a debt collector providing private information on a cell phone that is contracted under my stepfathers name. Also, they left a 1:03   message for my husband on XX/XX/18 on my cell phone - again, contacted under my stepfathers name with a message regarding an account and debt owed to pro collect. I also have a ( XXXX ) area code which, by law, is recognized as a spousal state.
When I checked my credit score on XX/XX/XXXX there was two account with doctors care posted to my score stating about collections from this company. With no prior knowledge of the debt after working with XXXX XXXX directly back in XXXX trying to get an insurance issue resolved I contacted the company and asked why I was never contacted and that the files where placed on my profile with out the chance of trying to resolve the issue before hand. They stated that they send me a letter and called me 10 times but I have record that no one ever contacted me. And also when I contacted them on XX/XX/XXXX I gave them the new information about my insurance to refile and was told I would be contacted within 24 to 48 hours with a resolution. I had to contact them on XX/XX/XXXX to follow up on the progress and was told that they did n't have all the information they needed to file the insurance. AMCOL have a record now of lying and a lack of contacting you to try and resolve the debt almost as if they do n't want you to pay the debt and take you to court.
Last XXXX XXXX, 2017. I disputed this item with the credit bureaus and I requested that the credit repositories contact this company to provide proper validation documents which I never received. However, the credit bureaus kept the account reporting in my credit file. 
This is a violation of FCRA and FDCPA on both parties. Also, this item has been removed by XXXX from my credit report. What makes this item valid with XXXX is a mystery. This is my last resort before getting a legal counsel involved.
I was told I 'd be sent a credit balance refund for over XXXX XXXX dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Hi this company has XXXX accounts on my File, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the Finical and Identity theft. I want it removed and please have them to stop putting it back on after it was taken off Account # 1 Millennium Credit {$1000.00} Fraud Account # 2 Millennium Credit {$1000.00} Fraud
Hi my name is XXXX XXXX we bought a house inXX/XX/XXXX let me tell you when I mean going through the process of this was a total nightmare. We were first told 45 to 60 days that started in XXXX XXXX in XXXX we were told I only needed one thing to finishe that took a month going back and fourt with underwriting and lender. Then in XXXX we were told the house was ours that was on a Thursday we were scheduled to close on Monday on the Friday before we were told the person handling our file no longer works there and we have to start all over again from the beginning. Collecting bank statements, check stubs employment verification again why the others we already got couldnt be used I do t know. This took another 3 months now doing this whole time my husband who is XXXX and has major health issues goes on a XXXX at night we were forced to live in a motel paying {$400.00} a week. Then finally the day before we closed the underwriting calls and ask if anything happened to my husband could I handle the house payment. That right there is illegal we feel like the whole process was a big joke and we were being played. Now at the end of XXXX we were in the Hurricane I missed days from work caught XXXX. I was told if we called our mortgage company they would work with us. Oh ya they are working with us alright told me I could have a 3 month forbearance pay what I could. I asked the gentleman I spoke with if I was gon na get penalized for not making a payment and if I was gon na have to make a large payment in XXXX he told me no. Big lie now I find out I gave to come up with XXXX by XXXX first. Im afraid to ask for mortgage assistance for fear of being put through the run around again I dont wan na lose my house I can handle the payments we just got put in a situation with the Hurricane.
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
On XX/XX/2016 I paid my monthly bill to Wells Fargo. I sent the payment in on the day it was due, but because it took Wells Fargo time to process it, my payment didn't go through on time and my loan went into default. Back when I was paying my Loan through Wells Fargo, I tried to work with them because I was in a bad financial spot, my dad just losing his job, not having a job myself, and struggling to make ends meet. I had to drop out of school because I couldn't get loan for my second year ( Wells Fargo denied my application even after having two cosigners and a loan history with them ), which is how I got into this situation in the first place. I did the very best I could to make these payments, but Wells Fargo would not budge on the minimum payments. After trying to figure out if there was any way to take my loan out of default, I found that there is no other way to without having to pay off a huge balance. I started making payments, but with the late payments reflected on my credit score it is impeding my progress to get out of my current financial burden.
I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment.
Here in Colorado my mortgage company was bought out by Lender Live last year ( about 11 months ago ). Since then Lender Live 's website has been nonfunctional and erroneous despite my numerous requests that they fix it. The website would not allow me to enter my account numbers properly for some reason. They claimed it was because I have ( and use ) an XXXX XXXX. The result has been my payments are late and Im penalized over their errors. Also I have been told several times for several months ( at least XXXX ) that the problem was being addressed. Most recently when I finally was able to talk to a manager I was told that there was nothing being done to fix the problem. I have been lied to repeatedly and I put in several unanswered requests that a manager contact me. This company has no responsibility for what they say whatsoever. Attempts to contact the company on the phone results in at least 30 min to an hour of time spent and a supervisor or management is almost never available.
I was attending XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I read about the school closing so I withdrew on XXXX/XXXX/2014. My Federal Loans are qualified to be discharges since I withdrew after XXXX XXXX, 2014 but I still have {$9200.00} in private loans to pay off. My private loans were from XXXX XXXX but they transferred my loans over to University Accounting Service , LLC . I would like to know if there 's anything possible I can do to relief my loans or some of my loans. I was able to transfer some credits out but not all. I was not able to continue my XXXX program so I am currently in a different program. If someone can please help with this situation, I would be very grateful since I could not get any information on private loans.
XXXX XXXX XXXX was reporting this account as a collection on my report during the time when the account was showing open with the original company. The company XXXX XXXX stated they were handling the issue and was not using the reporting agency. According to my XXXX credit report, they reported past due and in collections when they were not allowed to. XXXX was also showing the same information and the account being opened with them. When I reached to XXXX XXXX over the course of 2 years, each time a representative was rude and could not provide me documentation where XXXX asked them to obtain the account. It was being reported negative wit past due and as a collection, causing my score to drop significant. XXXX stated this would be fixed and XXXX XXXX was to close and delete the account back in 2016. This is still on my report as a collection incorrectly and with 27 90 day past dues!
I have paperless statements from my credit card. In reviewing the statements and referencing the card member agreement. I believe the card issuer is not applying my minimum payment to the balance with the highest interest rate.
During an investiga tion, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   in the amount of {$480.00}. This is not good practice snd violates my consumer rights.
We have a mortgage with Seterus ; it is an interest only loan ; We were contacted in XXXX XXXX that they changed the terms in XXXX XXXX without notify us. At that time I asked for the details on this and contesting the loan, which by the terms of the loan stop all late fees and additional interest at that time. I have, in writing both via letter and fax sent them the request for this and it took them until XXXX XXXX to get me the details, and then only after the Attorney General of MN office had been contacted and was working on this case. During this time Seterus called us weekly and we always took the calls and we always explained what needed to happen and that we are contesting the loan. Once we received the information it was identify they sent the information to the wrong address. We have continue to pay the old monthly payment and will do so until they correct their mistake. We have continue to ask them to remove all late fee 's and interest charged in XXXX because of their mistakes. Our mailing address did NOT change in XXXX or XXXX and this as a mistake do to Seterus record keeping errors NOT ours. We also have asked them to correct all the negative reporting to credit agencies and provide us with a report showing us that this has been done with a letter stating it was their fault incase an agency comes asking in the future. We have been contesting the lone until this point and due to terms of the loan they should have stop late fees and foreclose process. On several cases including the following I was told the case was being contested and ALL late fees would be on hold- Including-On XXXX XXXX XXXX said she was doing this ; XXXX XXXX said she was doing this on XXXX, also XXXX XXXX XXXX said she was. Please understand this has been more than XXXX faxes and Seterus HAS confirmed they have received them.
Equifax is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Citibank NA made a hard inquiry on my credit report without my authorization or application for credit. There was no authorization for this inquiry which occurred on XXXX/XXXX/2016. I contacted Citibank via phone and they denied having made such a credit inquiry and was notified that they had no information as to an inquiry being made on my credit account and that no new account has been applied for, nor opened. I disputed the inquiry with the credit reporting agencies, through your organization, and supplied with the outcome that the inquiries were made by Citibank and would remain on the account unless directed by Citibank to remove them. According to the consensus on the internet, there seems to be many individuals experiencing this unauthorized access by Citibank , NA.
I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.
American Express refuses to refund me on a fraudulent transaction charge. I disputed a few transactions from XXXX totaled {$110.00}. Those money where taken from my account by XXXX XXXX. The product that XXXX delivered was inadequate. XXXX itself wants to keep my money offering some " credit '' which I do not want. Thus I claimed American Express to refund me on a fraudulent sale through XXXX. I do not authorize that transaction. The dispute with American Express was filed weeks ago. My money is still not refunded.
A medical bill collection was placed on XXXX and XXXX under XXXX different collection agencies - central financial control and syndicated office systems, neither of which contacted me via phone or mail notifying me of collection placed. I am willing to settle my debt but I do n't understand how XXXX different companies ( XXXX of which the XXXX alerted me no longer exists ) can expect me to pay to them individually from XXXX medical bill delinquency. I do not know where to go from here. 
Thank you!
I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company have on file that were used to dispute the account I disputed. being that this is gone pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA, they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible Thank you
Equifax allowed my personal information to be compromised. I was able to verify I am a victim on their website. They also did not release news of their data breach for several months. In addition it sounds like there was some insider trading involved from senior leadership within Equifax.
A collection agency called NATIONAL MEDIATION called my daughter and threatened to arrest me and file charges on me for a debt I do n't owe. They told my daughter that it was a payday loan and they needed money right then and there. 
My daughter gave me the message and I called and they were very rude and threatening and operating against the laws of the FDCPA. 
I explained that it is illegal to call and indicate to another person who is not myself that they are trying to collect a debt. 
He told me no it 's not. I told him that I do n't owe them and he stated that I do and if I do n't pay he is going to take action
I was contacted by the company Navient in between the hours of XXXX and XXXX yesterday. I was speaking to a young woman at first and our conversations have gone the same way since XX/XX/XXXX : that I can not pay a full settlement. My issue with not being able to pay is not the focus of this complaint, as I asked this young woman to please call me back at XXXX as I was driving in heavy traffic and I was not in a position to discuss my income or my situation. While at a very busy intersection this young woman was interrupted by a man named XXXX XXXX. He stated it was policy to monitor the calls as he stepped in to 'take over the call '. At that point I felt as if I were being three way called by an XXXX grade bully with enough lack of rhetoric that his title as 'supervisor ' is questionable. I was bombarded immediately with every time I had supposedly dodged this company. This man did not pause in his speech waiting for anything I had to say. He spoke AT me. Not to me. This caused me to pull my car over and nearly have a nervous breakdown while I entered into a yelling match with this man. I do not normally speak to creditors this way but his approach is what caused it. I asked his name. I even asked how old he was, to which he asked me 'What does that have anything to do with this? ' I asked this because I did not feel as if I was speaking to a supervisor of a company that handles more than XXXX in student loans, I felt as if I was being attacked by an XXXX thrown into the role of assistant manager at a nearby XXXX XXXX XXXX store. This company calls my father daily and I fear every day that he is going to have a XXXX XXXX from their calls. If supervisors of this company speak to people this way and attempt to collect in this manner this needs to be regulated.
For over a week I have not been able to access my account with Rush Card. My direct deposit is 4 days overdue and can not reach customer service ... They do n't answer emails, private messages or anything else I have tried. There are XXXX of people affected by this.
My name is XXXX XXXX, I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of XXXX with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed work ( lost wages ) since I have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan ( XXXX College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an XXXX XXXX at a XXXX XXXX XXXX {$11.00} an hour in the XXXX XXXX area I get paid bi-weekly, I have XXXX little boys ages XXXX and XXXX years old and I am the sole provider. Do the math Im going to be homeless because of this issue. I understand XXXX College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with XXXX children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.
I received a letter from this company demanding that I pay them. To my knowledge I have never done business with company nor have they provided goods and or services to me