WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted XXXX  and Equifax on several occasions informing them there are several hard inquiries listed on my credit report dating back to 2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired. 

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from XXXX stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the XXXX dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.
U have sent a previous complaint concerning my account but they were not properly answered. I want to state the questions more specifically. 

1. Your banker told me it is federal law to do so what you did to me concerning insurance. If it is federal law it must be public knowledge and so what law do you refer? I never gave any permission or signed any paper to agree. At the time, I was not advised when you started it. Also, you charged what you wanted.what were the guidelines? 

2. What law allows you to force me to pay for your insurance after I paid off the principal on the line of credit? I requested to not pay that and you refused and you base this for a reason to not release my lien. Actually I did pay it and you still will not release my lien. It seemed like blackmail to me. 

3. Your bank told me that I would be reimbursed the insurance money since it was covering a loan that no longer existed. Have you now decided to just keep the money and have me pay for nothing? What federal law covers that? 

Your bank cashed to check that paid for this insurance and fees. Why do you deny? 

4. In XX/XX/XXXX I went to wells Fargo and made an additional payment on principal and I was told the remaining principal was XXXX. In XX/XX/XXXX, after 9 months of payments, my balance was XXXX. Please explain how. In fact, please explain why this happened all the time, the fact that the computer balance always differed from what the bank stated. Please explain. 

5. When I called the home equity dept at one time about this situation i was told they were attempting to collect a debt. Please explain this when no payments were missed. 

6. In XX/XX/XXXX-XX/XX/XXXX Harp assisted me with payment to your bank. Everything was brought to date and stayed that way.Please explain what status you kept my account.
I began XXXX school in XXXX of 2016. I contact AES to tell them that I did not want my loans to be deferred. I wanted to pay them while I was in school so that they would count towards my public service loan forgiveness. The company removed the deferment. Since that moment, my account has been placed in deferment multiple times. I have contacted the company by phone several times. I have contacted the company by email, and the same thing continues to happen. Since dealing with this company, my public service loan forgiveness plan will be pushed back at least 6-7 months due to them not auto-drafting my set payment amount.
I closed my credit card account with Citi in XX/XX/2016. They even issued a refund check for the membership fee. To my surprise, i got a call from collection agency today letting me know that i am past due on the account. I login to my citi account and see that i have interest fee charge, late fee for 2 cycle. How is it possible when i closed the account? The interest charged was dated XX/XX/XXXX. I dont even have my credit card number anymore because i already shredded the card XX/XX/<YYYY>. I closed the account because the unsatisfactory customer service i received from Citi. Mind you i had Citi prestige card for several years and paid {$450.00} annual fee.
I am having Ally checking account and I was using the Bill Pay service of it to pay for XXXX XXXX. I made the payment and as per Ally it has " paid '' status. In fact i made the same payment XXXX. But after 3 months I come to know that XXXX has sent it to collections. When i talked to Collections agency they told me that payment were not successful. Now XXXX put {$6.00} as late fees. I finally paid the amount plus late fees. Sent an email to ally last week and also talking to their customer service. Upon talking to Ally Customer Service they are saying that payment went thru. I do n't know who is telling the lie - XXXX or Ally? End of the day - multiple payments has been made from my account and I end up paying late fees and deal with Collections agency also. Last time when i spoke to XXXX Customer service they told me that payment did n't went thru.
My bank account was robbed as well identity, The bank has another name on my account, I can not get in wrote them 5 times they ignored me, The bank refuse to allow me in they or doing overdraft over XXXX dollars, they have been stealing from me when I requested help of life lock XXXX they continue to bill me, the contract with chase bank states once my identity was stolen they would give me my money back they breach the contract, I am loosing everything, Life lock also breached there contract my case number XXXX I am XXXX with forth stage XXXX both taking advantage Life Lock is doing the same, it States that it would pay bill 2 years life lock Racketeering, I ca n't pay for my XXXX treatment they or going to stop it.
I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME AND WAS RECENTLY DENIED AND THE REASON THAT WAS STATED WAS BECAUSE MY INVESTOR HAS A RIGHT OF APPROVAL. I WAS NOT DENIED DUE TO INCOME OR AFFORDABILITY, JUST BECAUSE MY INVESTOR SAID SO WHICH IS   XXXX   XXXX  . I HAVE AN INTEREST RATE OF 9.65 % AND IT IS APPARENT THAT THEY ARE ONLY INTERESTED IN KEEPING ME IN A ABSURDLY HIGH INTEREST RATE INSTEAD OF REVIEWING ME FOR ASSISTANCE MY WIFE AND I DESPERATELY NEED IT. WE HAD TO CARE FOR OUR PARENTS , ONE  WHICH HAD  XXXX   XXXX  AND THE OTHER THAT HAD  XXXX    XXXX   XXXX   WITHIN 2 DAYS AND NOW   XXXX   XXXX    XXXX . THESE RESPONSIBILITIES HAVE FALLEN ON  US AS WE BOTH ARE   XXXX   XXXX   OF OUR PARENTS AND MEDICAL BILLS ARE  RACKING UP. NOT PAYING MY MORTGAGE IS NOT SOMETHING WE WANT TO DO, WE JUST NEED TO BE CURRENT SO WE CAN CONTINUE TO MAKING OUR PAYMENTS. WE CANT AFFORD THE DELINQUENT AMOUNT, WE ARE ONLY ASKING TO BE CURRENT SO WE CAN SAVE OUR HOME.
Bank of America cleverly places the amount I overpaid as a credit balance on the card. 
NOT! 
I want a paper check in the amount of the overpayment. It was cash paid to them. I want cash paid to ME. 
Further I want them to close the account as CLOSED BY CONSUMER. Otherwise they will deplete the balance with an annual fee since there is NO BALANCE.
XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR
On XXXX XXXX, 2016, my sister XXXX XXXX passed away. She died without a will and, other than about {$1300.00} in a checking and savings account at Bank of America, she had no assets. I paid for her funeral out of my own pocket. 

Following that, I submitted an Illinois Affidavit of Small Estate, an instrument designed and enacted by the State of Illinois to expedite payment of funeral expense in such cases. I filed this with the bank in XXXX and they ppromised to contact me no later than XXXX XXXX, 2016. They did not contact me. I contacted them about a month later and they sent me some additional paperwork. I had not heard back from them so today I called them. They stated that my affidavit of small estate was missing verbiage. They stated that they could not tell me what verbiage was missing and that I must contact an attorney. 

I am seeking the reimbursement of funeral expenses from XXXX BOA account.
XXXX XXXX XXXX XXXX has been unable to afford the house payment and has decided to attempt the foreclosure alternative of short sale. Her attorney 's office contacted the lender to verify if we could attempt a modification or short sale review. On XXXX/XXXX/2015, the authorized XXXX party was advised by a representative at NationStar named XXXX, that the foreclosure sale is set for XXXX/XXXX/2015. He stated at this point they need at least XXXX days to review for a short sale and the borrower could do short sale. The attorney 's office had sent a HOME AFFORDABLE ALTERNATIVE PROGRAM ( HAFA ) notice stating that they have failed to provide the borrower in writing these options. That notice was sent XXXX/XXXX/2015 and has yet to be responded to. The borrower is prepared to list the property for short sale and just wants the opportunity to do so.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX   XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX
Despite months of requests, QUICKEN LOANS / ROCKET MORTGAGE will never stop sending spam lending offers. Their eccentric 'UNSUBSCRIBE ' link seems designed only to collect more personal information, which is requested to achieve relief that never comes. In effect, QUICKEN LOANS is a spammer.
I have tried numerous time to dispute an address on my credit that is not mine. I get back the results that states, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. '' When I look at my credit report, it 's never deleted.
On XX/XX/XXXX I attempted to contact Navient about removing some old late payments on credit report from XXXX while I was unemployed and was told no that nothing could be done because they were over 90 days old. I 've been in good standing since XXXX with payments and asked if there was anything at all they could suggest I do. The only option provided was to wait till XXXX to have it removed. It seems inaccurate to me that someone who was unemployed can not be assisted and especially after making payments on time for four years consistently.
I opened a Kohl 's credit card in 2014. I have found that this company uses false advertisements and underhanded business practices. Since I 've had the card, I 've tried to maintain a XXXX balance. My first interaction with this company and it 's misrepresentation resulted in me doing a survey where I was to received {$50.00} of free merchandise for filling out the survive. I wound up being charged {$69.00} for a promotional product that should have been free. I had to have my bank reverse the charges and dispute it to get my money back. The second incident, involved me returning a gold chain that broke after a week. When I returned it they did n't want to give me the full price I was charged because I used {$20.00} Kohls cash that they gave me to use in the store. The last incident, which prompted this complaint, involves me having to pay late charges on an account that should have had a XXXX balance. I am having to paid {$14.00} out of {$48.00} of late charged on a {$32.00} balanced I was unaware. The last payment I made to XXXX out my account was {$250.00} in XXXX. I was given this amount from the in store personnel. Unknown to me, the amount I paid left a balance of {$32.00}. I received no further billing correspondence from Kohl saying I owed anything. Since I was under the impression I owed nothing not receiving a bill was ok. I received numerous promotional correspondence but no bill. I made a purchase at the store XXXX XXXX and had no issues with the card, 2 days after the purchase and 2 days before this complain, I get a call from Kohl stating That I owed {$89.00}. I was informed that I owned {$32.00} balance and {$48.00} in fees. At that time, the representative willing to discount all the extra charges and I was only to pay {$32.00}. I tried to discuss with the Kohl 's representive at the time but I had to do my due diligence and go through my paperwork. I discovered that indeed I did owe {$32.00}. When I called back, that 's when they refused to discount the total fees and told me if I did n't pay My account would be reported to the credit bureau. They refuse to give me a supervisor or a name or number to someone else to talk to. I would like you assistance in resolving this matter
Ditech provided a modified loan payment program ( attached ) starting in XX/XX/2017. The payment schedule is in the attached. I made all of these payments on time during that program and yet they showed my account late in every single month ... they even accelerated the delinquency all the way up to 90 days. I disputed this with the credit bureaus and they left the status and historical payment information the same. 

Section 623 of the Fair Credit Reporting Act provides that data furnishers ( Ditech ) have the same responsibilities under this law as credit bureaus. Ditech is reporting something they know to be incorrect by listing this delinquency during these months.
Car was towed illegally as a tactic used by landlord to force my family and I to break lease. As we've learned ( the hard way ), he has a reputation of using underhanded tactics like this. There was no posted information about towing and no advance warning, which are necessary to legally tow a vehicle in XXXX XXXX. The substantial discrepancy between prices mandated by XXXX XXXX MTA code ( XXXX XXXX XXXX ) and what I was " charged '', in addition to my confrontations with the tower, suggest that he may be in racket with this particular towing company. 

If we look to the SFMTA code, we see that for first offences its {$220.00} plus {$65.00} per day the car is on the tower 's lot. I was " charged '' for more days than it was actually on the lot, at some crazy rate inconsistent with SFMTA code, resulting in a whopping difference of {$400.00}, XXXX {$900.00} vs. ~ {$1300.00}. I had left for a week and a half long business trip ( which my landlord was aware of ) and almost immediately after I left the car was towed ( again without legally-required warning ). This wasn't some small, innocent error. 

When it comes to getting your car towed, you have no choice but to pay whatever they tell you to get your car out. No choice. Or else the price keeps going up and up. I knew this was an illegal tow and I quickly identified that I was being extorted when the tower presented me the bill, after having done extensive research beforehand. I confronted the tower about both the illegal tow and how he was clearly overcharging me and I was told " do you want the car out or not? '' I had no choice to pay, but pay I did. I considered paying cash but I remembered that my credit card issuer protects me against fraud like this. I paid with credit and when I got home, I immediately submitted a chargeback request for the full amount, briefly touching on some of these points to the extent I could with the bank 's limited interface. I identified the charge, told the bank I confronted the tower in person ( multiple times ), and awaited a favorable ruling. 

But checking my credit card account today, I see that the temporary credit the bank granted for the fraudulent charge has been removed. I am expected to pay the full amount. 

Anyone in my situation would agree this is utterly unacceptable, hence my pursuit of further consumer protection with you, the CFPB.
On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX for {$160000.00}. The loan was evidenced by a Security Deed, '' naming XXXX as the " Lender '' and XXXX as the " grantee, '' or beneficiary, of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about XXXX XXXX, XXXX my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was having trouble making the payments. I reached out to HSBC and requested a loan modification. Their representative told me that I did not qualify for a modification unless my loan account was in default. Up until this time my loan account had never ever been behind. So HSBC had me pay a forbearance XXXX XXXX XXXX ) for months under the pretense of giving me a loan modification. I in turn, made each and every payment as agreed. Instead of the loan modification that we initially agreed upon, HSBC restructured my loan. They, however, never informed me that my loan account was being restructured. In the end, I still could not afford to meet the obligation. When I had gotten behind on my payments and finally sent the payments in, the payments were returned to me. I called and talked to various HSBC staff as to why my payments were being returned and because it was at this time I discovered that what I had been given was a restructuring of my loan and not a modification. Well nobody would help me. I did n't agree to a restructuring of my loan account but was lead to believe that what I was getting from HSBC was a loan modification. In XXXX XXXX, HSBC performed a foreclosure on my home.
Submitted disputes XXXX 2017 and XXXX 2017 to Experian and XXXX that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.
XXXX XXXX XXXX  has sued me for a Bank of America credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX address : 1XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that XXXX have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. XXXX will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.
XXXX XXXX XXXX is charging me fees even though my account is not in the negative. 
On theXX/XX/XXXXthey posted a fee of {$35.00} on my account, which has affected my subsequence transaction to cost my account to be in negative and the further charge me 2 more insufficient fee for {$35.00} each. 
I had money come into my account todayXX/XX/XXXXXXXX ; veiwing my account this afternoon I see another charge off extended overdraft fee for another {$35.00}.
In XXXX, I responded to a Citibank Gold promotional offer to open a Citigold checking account and receive XXXX XXXX XXXX XXXX provided I met certain requirements. 
I later met the requirements, and confirmed with Citibank via their online secure messenger on XXXX XXXX, 2016 that I qualified for the promotion for which I have a copy of communication. 
However, on XXXX XXXX, 2016 I received a communication telling me that I no longer qualified and would not be receiving the promotion. This was after charging me XXXX dollars in fees to keep the account open while I awaited the promotion. 
I spoke with them on XXXX XXXX and they credited my account for XXXX dollars in fees, however they could not guarantee that I would receive the XXXX promotional miles.
I am currently on an income-driven repayment plan in which I have to re-certify annually. I submitted my certification documentation on XX/XX/XXXX. Since that date, I still have yet to receive a change in repayment plan. On XX/XX/XXXX, I contacted Fed Loan Servicing requesting a status update on my request and received a response on XX/XX/XXXX, stating that I would need to make a payment in the Standard repayment plan to proceed with the request to change my income-driven repayment plan. I paid the minimum due of {$360.00} on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX, that my documentation had missing information-how often my husband and I are paid. I responded with the requested information on XX/XX/XXXX, and was under the impression that my request would be processed. I followed-up via e-mail with Fed Loan Servicing on XX/XX/XXXX, asking for a status update. I received a response the same day that I had satisfied the one-time payment and that I would be contacted once the review was completed. On XX/XX/XXXX, I still had not received any notification so I, again, e-mailed Fed Loan Servicing requesting a status update. I was informed by " XXXX '' that the payment that I made XX/XX/XXXX did not qualify and that the opt-out procedure had not yet been submitted. Please remember that I did not submit my request until XX/XX/XXXX, to begin the process so I 'm still unsure where the information about my XX/XX/XXXX payment came from and XX/XX/XXXX, they were supposed to submit the opt-out procedure. At that time on XX/XX/XXXX, I contacted Fed Loan Servicing by phone. The representative apologized and stated that there was a mistake on their end. He contacted his supervisor and they escalated the request. I received documentation from them on XX/XX/XXXX and XX/XX/XXXX, which the rep. stated would happen so, again, I thought things were moving along. Now, it is XXXX XXXX, XXXX, and I just received an update. My request was denied due to missing information-how often my husband and I are paid. I had already provided this information back on XX/XX/XXXX. I responded via e-mail to the request for the information and also advised them that I had already provided the information to them previously. I am very frustrated with this process and the lack of competency to complete my request. I have been through this process for a couple of years now and have never had this problem before.
I reached out to company but they are no longer the original company i had contract with. I couldnt make payment due to no work for from a XXXX XXXX and had XXXX i was out for 2 months and finally got back on track back to work but the account had be moved or sold to different company. I called that company but i needed some paper work confirming account and amount i will be paying. Never received any information on this new company.
This account was deleted from my one of the credit reporting agencies that I filed the dispute with because it could not be validated but yet it stills remains on my Experian credit report and it was deleted from my XXXX and XXXX because they could not validate the debt. I will like this investigated and for this account to be removed.
Debts is being in my credit report since 2013 and original amount is not {$1100.00} they being increasing amount and trying to collect amount not owned and not willing to negotiate. They Often reported it to credit bureaus and make vey hard to get qualified for new credit opportunities and rebuild my credit history.