WillisBack/dataset-financial-user-claim huggingface dataset:
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX  XXXX AND XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Mortgage is close to 3000 I had tried to lower my payments in XXXX XXXX instead Wells Fargo put my home in foreclosure after I asked for a payoff amount which I never received. They make so many excuses not to take my houseout offorclosure. Once you try to reduce your payments might as well kiss your house good bye. Wells Fargo was so disorganized they lost my records, did n't enter them into the system, theXXXX and I worked with representatives that the management cant see on their end. The Vterans Department and The bank have confirmed we sent in all of the documents still XXXX XXXX at Wells Fargo upper management cant see the fault in losing my documents. 

I was assigned 7 different agents to me and my case everytime I got a new representative the VA and I would send in a new packet of information. I Asked for a buy out and they did n't have one, We called several times and wells fargo and XXXX XXXX XXXX did not have a pay off amount for me until a few weeks before the sale. 

I sent in the money and they did n't cash the check, I did everything verifiable to Wells Fargo, I went to the bank to send the documents so this very thing would n't happen. I sent a copy to Department of Veterans Affairs and Wells Fargo so they could not make any excuses but they are and now I am moving out of my house today XXXX, XXXX XXXX We had postponed the sale in XXXX XXXX and continued getting paperwork done I sent in the remainder of information on XXXX XXXX XXXX. The Bank statements were sent by my Wells Fargo Branch in XXXX XXXX XXXX and XXXX XXXX at the VA Sent XXXX a Letter stating she had all the proof I sent in the information. 

Not only that I remodeled my whole house over 50k and lost over 100k in equity.
This company is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
A year ago I had a friend and her XXXX daughters on my XXXX account. My friend was able to get her own account. Her 3 phone lines and two new phones were supposed to be transferred to her. XXXX transferred the 3 phone lines, but not the phones. I spoke to XXXX quite a few times in XXXX of last year to get the phones transferred. I was then unavailable for the next 8 months. I suspended my account until I returned. When I returned, I was told by XXXX that my account had been cancelled due to a {$1900.00} debt. The debt was the phones my friend purchased. For 4 months I have been trying to get XXXX to transfer the phones to my friend, and remove the debt from my credit report. They have failed to do so. PLEASE, help me with this.
On XX/XX/2016 my balance was incorrect. My online account show the following : Last Statement Balance : {$910.00} Recent Transactions : {$130.00} Recent Payments and Credits : - {$40.00} Current Balance : {$1000.00} That math can not be correct and Discover needs to credit my account {$21.00}. 
Thanks
i did not open to use below credit card but show up on the credit report. 

capital one A # : XXXX open : XX/2015 {$500.00}
XXXX XXXX owns a debt from Citi Financial in my name. I beleive XXXX XXXX " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( CitiFinancial ). I also beleive that XXXX XXXX " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.
I filed a complaint with USAA bank for an online debit card purchase. I felt like I was taken advantage of by XXXX, an online penny auction site. After providing all pertinent details and a copy of my bank statement verifying the disputed charges, I felt like none of that mattered and the dispute was ruled invalid because XXXX provided a copy of the charge authorization. My issue was not that I authorized the charge, but that the service promised for said charge was never delivered, i.e. " Service was not delivered as described. I have attached a copy of the Dispute Decision from USAA along with the Merchant Rebuttal and my emailed response to the Rebuttal. I do not feel like the human element was taken into consideration in this matter, and the decision was based on the authorization for the charge. I hope that, after reading the attached documents, you will see that I was taken advantage of by a company that I had moved on from. Had XXXX never contacted me after I concluded my business, i would not have this issue. Thank you for your time and consideration in this matter.
CREDCO FAILED TO FURNISH MY XXXX CREDIT REORT SINCE XX/XX/2012.
I got a collection call from this company call lionstone holdings. They have contacted my mother and told her I was being served with papers for a debt I owed to a loan I took out in XXXX 2016. I called the number who called to get more information regarding the issue and spoken with a guy name XXXX. He wanted me to pay a balance of {$1500.00} and I advised him that is too much. I can not pay that and informed to set up arrangement to make payments plus I was unemployed. I made a first payment of XXXX on the account and I tried to get an extension out and he became very rude stating I would face judgement and be sent to court. I just wanted to extend my balance out but instead he became very disrespectful and rude then disconnected the call on me when I needed assistance with extending. He is very unprofessional and threaten to take me to court. I will love to have someone different over my claim because I am trying to pay back this loan but I do not want anyone disrespecting me when I am trying to work with them in this matter.
I AM PARTLY RESPONSIBLE FOR THE XX/XX/XXXX XXXX XXXX CONSENT ORDER AGAINST OCWEN.THE STATE OF XXXX THEN VOIDED OCWEN 'S PURCHASE OF THE MORTGAGE SERVICING RIGHTS OF XXXX AND XXXX, WHO I HAVE BEEN SUING SINCE XX/XX/XXXX. 
OCWEN GOT AN UNLAWFUL SUMMARY JUDGMENT RIGHT AFTER THAT IN XXXX XXXX FOR {$450000.00} IN FL. XXXX XXXX XXXX CASE XXXX FILED BANKRUPTCY, ALL " DEBTS '' DISCHARGED, BUT STILL OCWEN TRIES TO FORCE PLACE INSURANCE ON A PHONY " SECURED LIEN '' OCWEN HAS NO LIEN, I RECENTLY SENT YOU A PACKET OF INFO TO ENFORCE THE CONSENT ORDER AND MY CLAIM OF {>= $1,000,000}, DUE TO OCWEN HAVING XXXX YEARS TO CURE BUT THEY HAVE NOT.TODAY I CALLED AND YOUR OPERATORS WERE INCOMPETENT.I WAS FORWARDED TO THE WHISTLEBLOWER DEPT. BUT DISCONNECTED. I NEED SOMEONE IN THE XXXX DEPT TO TALK TO ME AT XXXX, SINCE I AM A PRO SE PLAINTIFF ON THIS ISSUE FOR XXXX YEARS I KNOW PLENTY AND AM DUE {>= $1,000,000}. SOMEONE PERHAPS ON XXXX OF " XXXX. GOT MY INFO, AND I NEED TO TALK TO THEM.THAT WOULD BE XXXX, I RECENTLY SENT OCWEN A DEMAND FOR VALIDATION OF DEBT PURSUANT TO FDCPA # XXXX AND THEY HAVE NOT YET RESPONDED.
On XXXX XXXX, 2016, in a previous phone conversation, I spoke with XXXX XXXX of Bayview Loan Servicing regarding a letter I received on XXXX XXXX, 2016, from Bayview Loan Servicing stating " you notified us that you did not want to accept the offer. '' I told XXXX XXXX that I never notified Bayview Loan Servicing that I did n't want to accept the offer because I had never received the offer from them. XXXX XXXX became very combative and angry with me he stated that 's not what the letter said. XXXX XXXX also became extremely combative, angry and aggressive regarding permanent modification documents Bayview Loan Servicing claimed they sent that I never received until XXXX XXXX, 2016, with Permanent Loan Modification documents dated XXXX XXXX, XXXX 
Although I indicated to him over and over again that I never received the first set of documents and that the second set were water damaged and late and that I had notified Bayview Loan Servicing of this, and that I was back and forth between the hospital dealing with a terminally ill husband and had been checking the porch everyday, XXXX XXXX LITERRALLY ATTACKED ME, BULLIED AND HARRASSED ME AND WAS ANGRY AND AGGRESSIVE BECAUSE AS HE STATED BAYVIEW LOAN SERVICING MANAGEMENT AND SUPERVISORS HAD GAVE HIM PERMISSION TO DO SO, and he is bullying me XXXX XXXX STATED SO WHAT PEOPLE DEAL WITH STUFF EVERYDAY AND SOME PEOPLE LIKE YOU DO N'T WANT ANY HELP AND INSTEAD OF FILING COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU you should sign the predated XXXX XXXX, 2016, Permanent Loan Modification Documents that Bayview Loan Servicing dated XXXX XXXX, 2016, and put into a XXXX dated XXXX XXXX, 2016, that I did not receive until XXXX XXXX, 2016. Bayview Loan Servicing XXXX XXXX XXXX Manager was very angry, aggressive and combative with me and kept accusing me of not wanting help and not wanting to sign the permanent modification documents. XXXX XXXX told me it was going to be all bad for me if I do n't return permanent modification documents by tomorrow. XXXX XXXX ALSO ATTACKED ME ABOUT THE COMPLAINTS I FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU AND CHISTISED ME ABOUT THE {$1.00} COMPLAINT. Due to me having XXXX XXXX on speaker when I was talking to him my daughter recorded the phone conversation because she said he was so angry and combative and people should know what you go through mom. I am posting XXXX of the conversations in additional documents. My daughter stated she is posting all of the conversation on social media so that people will know what Bayview Loan Servicing did to her parents. XXXX XXXX also stated that if an Attorney tried to change anything including the statement violating my constitutional right giving up a trial by Jury that Bayview will deny my permanent modification. My daughter is posting the full conversations on social media. I have attached a partial conversation because the full conversation would n't
I attended XXXX University for not even 6 weeks and I have a student loan that I cant pay I never even took the classes now I have a collection from the school and they took my financial aid that was supposed to be given to me. I feel i should get some relief due to the fact that I did not even finish the first 6 and I think the first 5 weeks of class. I was having really bad financial and family issues at time.
Approximately two years ago and recently, I acquired with Navient about lowering my student loan payments. They insisted they could not do this because the rates they charged must be consistent with what the federal government wanted them to charge for my student loan. Also I was told I had to have a specific type of repayment plan, just to be qualified for public service student loan debt forgiveness? This I find appalling and unacceptable. Navient should not be able to make faulty profit off of our hard earned dollars as a student or former student. I am requesting that their claims of following government rules and charging mass amounts of interest be looked into. I also have reservations as to how my loans were handled with my XXXX XXXX XXXX XXXX College, whom that branch has been closed down for two years due to losing their accreditation? Please look into this matter and advise on next steps or options. Many Thanks,
In XX/XX/XXXX, I contacted Gm and asked to skip 2 payments due to financial hardship. In XX/XX/XXXX, I contacted Customer Service to make my final payment and was advised that my account had been paid in full. On XX/XX/XXXX, I received a threatening letter from GM which, stated that a payment of {$2000.00} was due immediately. I contacted GM and asked why the automated system stated the account was full paid yet, I had a balance due notice in hand and was advised that in XX/XX/XXXX, I was granted 2 skips and the payments were added to the end of the loan. The balance owed was the interest that was due. I contacted Customer Service who advised that I needed to sign a new contract immediately or, Collections would repossess my car, I did not remember being granted the skips and requested an account transcript, GM refused. I asked to speak to a Manager to request a breakdown of the charges and the computation of the interest. They refused. I contacted the automatic system today which stated that my account has no balance due. General Motors violated my rights because they billed me for interest on the skipped payments for more than six years without first issuing an account statement to advise me of the interest due until after the loan was full paid.
I completed medical school in XX/XX/XXXX and consolidated all my outstanding XXXX student loans at that time with an interest rate of XXXX %. Over the last XXXX years, my rate has dropped to XXXX % due to discounts I have received for on-time repayment history ( 1 % discount ) and enrolling in autopay ( 0.25 % discount ). In XX/XX/XXXX my XXXX XXXX was transferred from XXXX to Navient. I received a letter from Navient on XXXX/XXXX/XXXX informing me that my monthly re-payment amount would increase from {$480.00} per month to {$490.00} per month. It was my understanding that loan repayment terms should not change when the loan is transferred to a new XXXX XXXX XXXX XXXX to Navient XXXX. I called Navient to inquire, and they confirmed that my interest rate has not changed. It is still XXXX % however I continue to receive the 1 % on-time payment discount and XXXX % autopay discount, making it effectively XXXX % as before. They explained that they recalculated the loan using the higher interest rate of XXXX % and that if I continued to make the higher payment, the extra {$10.00} per month difference would go towards paying down the principal every month, and that I would actually be paying the loan off faster and enjoy lower interest payments going forward. This has not occurred. On my XX/XX/XXXX Navient statement ( prior to the increase in monthly payments ; total payment was {$480.00} ), I paid {$340.00} in principal and {$140.00} in interest. XXXX months later, on my XX/XX/XXXX Navient statement ( after the increase in monthly payments ; total payment being {$490.00} ) I paid {$350.00} in principal and {$140.00} in interest. Therefore I am paying only ~ {$5.00} more in monthly principal payments, and actually continuing to pay more per month in interest as well. I believe that I have been overcharged on my loan since Navient increased my monthly payments on XX/XX/XXXX. The additional payment has not been going towards principal payments and they are charging me a higher interest rate than when they took over my loan from XXXX who was my previous XXXX XXXX.
This collection agency repeatedly calls my husband, and even went as far as to tell him they were a collection company and give him the amount of my debt. They ALSO shared the type of credit card it was and when it was taken out with him. It is my understanding that they can not share this information with him. The debt was from 5 years before we were married, and he has not affiliation with it. This happened XX/XX//18. 

The company is called Portfolio Recovery Associates. Their last call to him was about 10 minutes ago, and they hung up on him as soon as he told him his last name was different than that of my debt.
Upon paying for my vehicle at lease end a payment was taken from my bank account that was not due. 45 days after the payment was taken from my account I received a notice from Trans Union stating that I am currently delinquent on the account and that I have been 30 days late.

I called XXXX to let them know and they stated that I will have make a request in writing and that it may take 90 days to correct the discrepancy.
Acct # : XXXX Yesterday my credit report was pulled and it is showing Barclays Bank is reporting to Credit Reporting Agencies that I owe {$48000.00}. 
XXXX 2011 I was granted Discharge of Debtor under Chapter XXXX Bankruptcy and this debt was included and notices were sent out by my attorneys office. 
On the credit report it not only states that I owe this debt but it also states the Account was closed at consumers request and states as 'Profit & loss '. 
It should state 'In Bankruptcy ; Chapter XXXX ; Bankruptcy discharged ' with a XXXX Balance. 
Please correct this as soon as possible. This is an extreme negative report against me that should be showing as charged off. I 'm sure your company has written this off long ago. 
If needed/necessary I have all documentation to prove my position. 
My attorney is XXXX XXXX. You can call him at XXXX and he will answer all of your questions about my case. 
Or, you can contact me at XXXX and email XXXXXXXXXXXX XXXX XXXX
XXXX XXXX, XXXX NJSince I have XXXX in XX/XX/2012, I have not make enough money to pay off my monthly student loan payment, which has led to them being in default. 
I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.
Exeter Finance charged me an extra {$140.00} on my XX/XX/XXXX car payment. My monthly payment is {$390.00}. XX/XX/XXXX was {$510.00}. I made a double payment in XX/XX/XXXX to make sure it was caught up, the amount owed in XX/XX/XXXX was {$790.00}. So on XXXX XXXX I paid {$400.00} and on XXXX XXXX I paid {$290.00} ... .zero balance. When I called today XXXX XXXX to inquire why I was being charged, one lady asked if the car was repossessed or impounded. I told her no. Then she transferred me to someone else who stated the car was repossessed or had have been impounded. Again I said no. I told her that I have set up an auto withdrawal for XXXX/XXXX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX car notes but wanted to know why my told bill is {$920.00}. She told me she was unable to see my XX/XX/XXXX payment or bill so she was not able to say rather or not I paid {$790.00} ... .I was looking at both online. When I told her I was looking at my payment history she then stated that when you call in your payments they do n't tell you you owe late or misc. fees. When I said I only pay on line she switched and said the online account does not tell you about late fees. When I told her I 'm again looking at the payment screen which tells me of these extra charges that was also calculated into the amount due she told me no it was not showing me that. I then told her that I always pay the late fees and this was the first time in 2yrs they 've ever done this. She then said the {$140.00} fees were an accumulation of unpaid late fees. The more I continued to ask she then told me I was not listening and would not let her talk. She continued to repeat herself over and over never explaining why I have been charged extra. I have all of my bill statement and took pictures of the payment history since XX/XX/XXXX ... .if you try to print the pages are blank. I also recorded this conversation. This is the second time they have taken advantage of me. A few months ago they took an extra {$790.00} out of my account after I paid {$790.00}. There were XXXX different dates and confirmation numbers. When they acknowledged they took it out they blatantly refused to return the extra money and my bank had to reverse the payment. I am terrified this company will do something tragic to me regarding my car and finances ... ... based on their actions. Please investigate them. Their are others they are hurting and I may have to end up suing them for fraudulent charges they can not prove otherwise. Thank you
I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is XXXX. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.