WillisBack/dataset-financial-user-claim huggingface dataset:
I currently use a credit monitoring process from XXXX. As a results of using the credit monitoring tool, I was notified that a creditor, CBNA from XXXX XXXX, South Dakota created a hard inquiry on my bureau. After some light due diligence searching on the internet, it appears CBNA is part of Citi. I have not applied for a Citi card and I dont think Citi has a permissible reason to pull an inquiry for me. I would like the inquiry deleted if CBNA/Citi is unable to provide adequate evidence that I took action that warranted a hard inquiry on my credit file. Thank you!
COLLECTOR LEFT A VOICE MAIL WITH INFO TALKING ABOUT LEGAL ACTION SO I CALLED AND WHEN I CALLED THERE WAS WAS NO MIMI MIRANDA NO VERFY OF THE ADDRESS THE COLLECTOR WAS GETTING REAL RUDE AND HUNG ON ME ... SO I CALLED BACK I ONLY SAID MY NAME AND THE LADY JUST WENT IN TRYING TO TELL ME WHAT I OWE I SAID I WAS DISPUTING AND I WILL FAX THE INFO ... THEN I THOUGHT I WORK AT A COLLECTION AGENCY AND I NEW IT WAS A VIOLATION AND TALKED TO MANAGER AND HE GAVE ME THE INFO
XXXXXXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXXXXXX XXXX has been unresponsive in resolving this issue.
I have a complaint with a company that is no longer in business, XXXX XXXX XXXX and with the servicer of my loan, Navient. 
I graduated from college in XX/XX/XXXX with XXXX fed loans totaling {$91000.00} at 8 % interest. 
First 2 years I had deferred my loan since I was starting out in practice and not making a lot. I started paying the loan for 2 years. In XX/XX/XXXX I was advised to consolidate and start in an XXXX ( income based repayment plan ). The XXXX is a plan you pay for 25 years and after the 25 years the remaining is forgiven. This was with XXXX. 
I started with this plan and was paying into this program. 
In XX/XX/XXXX a third party company contacted me XXXX XXXX XXXX ( XXXX ) and told me since I was a XXXX working in the public and providing public service I would be qualified to sign up with the PSLF program ( Public Service Loan Forgiveness Program ). 
This is an IBR program where you pay for 10 years and then what is left is forgiven. 
They connected me with Navient and both companies agreed and assured me that I was in this program and I was well qualified. I also contacted the Fed loans servicing department and asked if I would be qualified for this program and over the phone they told me yes so I signed up with this program with XXXX and Navient and paid XXXX {$1000.00}. 
Last year I contacted Navient to confirm I was in the program and how many years I have left and they told me I was not in the PSLF program ( I did n't qualify because I am not a non-profit ) and that I had started over with the 25 year IBR program in XX/XX/XXXX when I switched to Navient. They had never told me I needed to be a non-profit or a not-for profit, just that I had to be in the medical field working with the public in a depressed area. 
Even the Fed Servicing Dept had asked me several questions and assured me that I was qualified and never asked if I was a non-profit. They just asked my specialty and if I work with the public and provide public educating. 

Now I should have 13 years of 25 credit paying into the IBR program but I only have 2 years credit. I have lost 11 years of credit. 
I feel that I was tricked, misled and lied to about this program. 
When I tried to find XXXX they are out of business because of fraud and scams. 
I began with {$91000.00} in loans, I have paid close to {$90000.00} over the years and I still owe {$190000.00} right now with the 8 % interest. I feel trapped and with no end. 
I feel that Navient should be part responsible for agreeing with this XXXX and they should give me back the 13 years of credit I should have with the IBR program.
Equifax mishandled my personal information. According to their website, equifaxsecurity2017.com I am listed as a potential victim. I would like a resolution to this breach of my security. Thank you.
In XX/XX/2009, I graduated and had {$60000.00} worth of private student loan debt. Among majority of Americans, I too were jobless. For a solid year, I did n't have work or the means to pay the amount due for my loans. I took an entry level job, {$XXXX} an hour ... 

XXXX put me in forebearance. Two years later they sold the debt to Navient and my original XXXX balance turned into $ XXXX. I tried to get on a plan to pay down the balance but they wanted $ XXXX a month and would not take any less. They would n't consolidate the loans which all had variable rates ranging from XXXX % -XXXX %. I made a payment of {$1300.00} a month ( as much as I could on my poverty level salary I was receiving. Even with those minimal payments they took action against me, defaulted me, and are currently trying to sue me and ruining my credit so I ca n't even rent a place to live! The loans to date are up to $ XXXX and they ca n't prove to me why or how! I ca n't discharge, appeal, nothing! I 'm drowning and do n't know where to go or what to do! Navient is an evil company not looking out for American students!
Experian ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Experian 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Experian provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
Consent to publish the description of what happened? Consent provided
On XXXX XXXX, 2015, I sent Experian a dispute regarding a judgement ( ID : XXXX ) that I was notified was showing up on my credit report, however, even through I provided them documentation showing this account was associated to XXXX XXXX XXXX, whereas, I am XXXX XXXX XXXX, Experian refuses to remove the judgement not associated to me. The judgement is question is assciate to my son not me.
Bank of America closed my account.I would like to know why they closed out my account.I would like to my account reopened
I filed an earlier complaint regarding the collection practices of a third party organization assigned by Citi Bank. Citi Bank did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with Citi Bank. I had been under the impression the matter was resolved many years ago. Citi Bank instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices Citi Bank has participated in over the years. 

I would like for Citi Bank to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for Citi Bank to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for Citi Bank to provide statements for that card account mailed to me reflecting an unpaid balance.
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX  for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.
XXXX XXXX I received dispute results from XXXX/Capital One. I initially disputed a late, but Capital One removed the trade line all together, thus damaging my credit scores. After the typical blame game of one another, I was told Capital One incorrectly processed the dispute and would need to send a re assertion letter to each agency. As of yesterday, Capital One has verbally confirmed sending the letter ... still with no written confirmation. XXXX stated it may take up to " 3 Billing Cycles '' for the trade line to be re asserted. A few things concern me here. I seemingly have no recourse and am unsure as to if my scores will rescore and so on. I am unable to access the credit markets at this time which have brought my undue hardship. Essentially my report will have went wrong from time of dispute to potential resolution some 120+ days. Not to mention they never have addressed the actual late I was disputing in the first place.
This XXXX XXXX XXXX is out of control. I made a complaint to XXXX that XXXX XXXX XXXX requested hard inquiries instead of soft inquiries when I applied for a loan with XXXX XXXX. I was instructed by XXXX XXXX XXXX to contact them directly, as they were a part of XXXX. I complied. 

This crazy company twice sent me an unauthorized credit report with all the applications for credit and loans I have received in my lifetime. The second one stated that inquiries had been deleted, but do not give a breakdown of what was deleted. This company is unethical and nuts, to say the least. 

STOP PULLING MY CREDIT APPLICATIONS AND LOANS I HAVE HAD THROUGHOUT MY LIFE. What is the purpose of this? All I requested is an adjustment to my credit report where hard pulls had been done with XXXX XXXX. I  was told that these inquiries should be soft pulls.
We have been delayed in our mortgage payments for the past months because of a XXXX and Wells Fargo Mortgage XXXX tried to enroll us in their loan modification program. We were asked by our direct contact in the company to remove some liens on the property so we can move forward with the loan modification application which we did by going to the XXXX courts and have the judgments vacated and liens removed.. Unfortunately, as soon as we have submitted the court documents, Wells Fargo informed us that the court documents are not enough paperwork for them to get us on board with their loan modification process and that we are headed to foreclosure. We have documentations of ALL communications sent over to Wells Fargo as well as confirmation on the phone that if we are able to deliver the court documents to them on time then we can get the loan modification application approved. This is big bank trying to harass small American citizens with threat of foreclosure even if we have had the mortgage for almost XXXX years with them and it is even an ARM XXXX. Even with a life event, the bank is not willing to give us the chance to recover from our loss of income and take advantage of any available program to keep us back on track and keep our home.
I was visiting the annualcreditreport.com site to get my FREE credit report ( s ) on XXXX/XXXX/15. I selected TransUnion and instead of going to my report I was sent to a " Credit Monitoring '' page for a sells pitch. 
I understand that credit monitoring my be of interest to the general public, however, I could not even get to my FREE report. I was NOT allowed to opt out of the sells pitch and retrieve my FREE report. 
This blunt sells tactic has resulted in poor customer service and smacks of a " bait and switch '' scam. I have absolutely NO interest in making a purchase from TransUnion. 
As I understand it, the federal government sanctioned this site for the general public to interface with the XXXX major credit repositories ; thus allowing access to our credit reports. This site ( XXXX ) is NOT intended to be a sells promotions tool for these companies. This type of behavior needs to be STOPPED!
On XXXX of 2017 I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago. 

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price. 

However, after the first year XXXX raised the price on one of the components of the service. I advised XXXX at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( XXXX, Transunion, Experian ) answered my request for an investigation. All three came back marked, " Debt Confirmed
I was turned down for credit, when I contacted XXXX and disputed they told me to wait 40 days. I have no credit until then. If I need a home repair or my car breaks I would be stuck. My dispute # XXXX. Please help me
My complaint is about the   XXXX   XXXX   account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened.     Regards
I have XXXX credit cards with capital One that I have never paid late and the payment is paid before the due date and more that the minimum payment. However at one time was an authorized user on my ex fiances capital one credit card account. When we split, he and I both requested that I be removed and he removed off mine. However, even though Capital One removed from my report, they 're still reporting it under my account with them. I have XXXX credit cards with them that have never been late and I always make large payments as well, but when I recently called for an account upgrade, I was told it was denied because " XXXX of my accounts '' is past due. So even though they removed it from my credit file, they 're are still, as I feel, holding his accounts and how he manages his against me which is unfair, considering I was an authorized user on his account, that doesnt make me responsible for the debt. They are continuously holding my payments for 10 days, putting an account lock " fraud '' on my credit cards when I make payments and they said to " verify '' it was " my account '' since I had payments returned in the past ( that was not late ). The last straw was when I applied for a credit limit increase that showed online I was eligible for and how excellent of a customer I 've need, and it was immediately declined. I logged in to view the reason letter and it stated " due to too many inquiries ' so I called customer service and I was told it was due to several missed payments on my accounts. I told them I 've never been late and they started giving me his information that they 're still linking to my accounts. Then they tell me it was a mistake when I get upset for them still holding me responsible for someone else 's accounts. I feel like I am being held responsible for someone else 's debt since XX/XX/2016 till current
To login to Dovenmuehle bank in order to pay my mortgage I put in my registration information.They required new registration in XXXX XXXX XXXX 2015 I re-registered.XXXX when I went to login their system said I need to register.When I try to register the system says I already have an account and am registered.I was locked out and could not pay.I called and spoke to XXXX and she said to speak to their Web support { XXXX 2015 } .The Web support representative could not help me.I sent them e-mails and finally had to pay by using XXXX for an additional {$9.00} on XXXX XXXX 2015.Here it is XXXX XXXX and i am still locked out!! I will call again tomorrow to try to pay but I do n't feel I should have to pay extra to XXXX XXXX just because they ca n't help fix the problem.Any Help what be much appreciated. XXXX XXXX XXXX
Transunion and  XXXX  has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score d rop dramatically.  XXXX   XXXX  is the collection agency and the original creditor is American homes for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.
It's shows under a hard inquiry with transunion that I have a current XXXX account. I do not, and even confirmed that by calling XXXX. I can't get through to transunion via XXXX XXXX to have it removed. Please help in any way as I am trying to repair my credit the best I can. 
Sincerely, XXXX XXXX
There was no place to dispute wells fargo response to the recent complaint  XXXX .  Wells fargo     submits documentation to cfpb known to be fraudulent .wells fargo submits documents fabricated and post dated, if dated, that have forged signatures and fraudulent notary. wells faro now submits a fraudulent lost note affidavit. Notice the numbered paragraphs jump fro m 3 to 5. The re is a well documented history of correspondence to fbi, attorney generals, department of financial institutions, and many others regarding wells fargo fabricated fraudulent documentation for this heloc account.wells fargo scanned copies of the heloc file  XXXX   XXXX ,   XXXX  . Which was provided to regulating entities,  governmental agencies, legal counsel and others. Wells Fargo co ntinues to supplement the heloc documentation with fabricated documents known by wells fargo to be fraudulent..    Wells  fargo continues to commit blatant illegal acts. wells fargo insults the cfpb, the attorney generals and the deparment of justice settlements, consent orders, criminal laws. Truly wells fargo is above the law.   Consumers are forced to incur legal fees to file legal cases to prove the obvios fraud. I can prove wells fargo has fabricated documentation to commit fraud upon me, the cfpb, and the court.
After I got a new phone number I started getting calls about some past due account. I looked up the phone number and it was for Navy Federal Credit Union. I called them and told them I've never had an account with them and they confirmed it but they continuously call my phone number about it. When I answered today someone hung up on me. When I called back the lady said she couldn't find any record of me in the system but gave me the run around and wouldn't connect me to someone from the debt collections department. She pretty much told me she's sorry but she can't help me.
XXXX charged me for a loan insurance in case I become unemployed in 2009. When I become unemployed and went to use the insurance, they denied my claim saying that it was n't that kind of insurance. After much discussion, they agreed to drop the charge making me owe nothing. Months later, I started receiving calls from Midland Credit Management. I disputed the debt and told them that I do not want any more calls. They stopped for a few years but recently started calling again, 3 or 4 times a day. When I answer, they hang up. I 've called them and last time I spoke with anyone, the lady said, " Yes, your file shows that you did dispute the charge and we found in your favor, you owe nothing. It also states that you do n't want to receive any more calls. '' I asked her why I am receiving these phone calls and she hung up on me. Since that day, I am still receiving calls 3 or 4 times a day and I just tried calling them to be hung up on again.
It came again to my attention that PORTFOLIO RECOVERY ASSOCIATES reported in my consumer credit report a alleged debt I do not to them in tha amount of {$4900.00} on XXXX/XXXX/XXXX with account # XXXX .... 
PRA has settled with me out of court in the amount of {$500.00} paid to me about 60 days ago and agreed to remove the account in my consumer credit report as well.
I opened a new Citi Checking account in XXXX 2016 with a promotion code to get {$400.00} bonus if I deposit {$15000.00} into the account and maintain it for 30 days. This was promotion code XXXX. 

As can be seen by the secure messages sent from representatives of Citi, I was qualified for the promotion and it was on my account. After waiting many weeks for replies, I was told that I was denied for the bonus. All qualifications for this account were met, and Citi is trying to deceive their customers by bait and switch.
I had an acct with XXXX XXXX XXXX. I was in a car accident XX/XX/XXXX. I paid the monthly note until waiting on the insurance company to pay. On XX/XX/XXXX I received an deficiency letter stating below is the total balance and I had 20days from the date of the letter to pay the total balance after reading the letter I called Toyota spoke with a CSR and asked do I pay my XX/XX/XXXX car note minus the total amount of is my XX/XX/XXXX note due in this total by the due date? I was instructed to pay the total balance by the due date and I complied and paid the acct in full on time. I then received a credit alert and letter stating I received a 30day marker for XX/XX/XXXX when I called Toyota I was told it was for XX/XX/XXXX. I asked how did I receive a 30day marker for XX/XX/XXXX when they added my XX/XX/XXXX note to the total balance on the deficiency letter on XX/XX/XXXX and gave me 20 days after that date to pay it? This marker is not warranted, they added my XX/XX/XXXX payment to the total balance. I disputed it was updated to paid as agreed but they did not remove the 30day marker and this acct is closed
TRANSUNION credit report. This is a request for a ; CREDIT REPORTING CORRECTIONS STUDENT LOAN IS REPORTED ON CREDIT REPORTING TWICE THERE IS NO XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX/XXXX/XXXX {$88.00} XXXX XXXX XXXX {$1200.00} XXXX/XXXX/XXXX {$88.00} XXXX Please remove these derogatory accounts PAID 5 YEARS AGO Account Name Balance Balance Date XXXX {$0.00} XXXX/XXXX/XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX {$0.00} XXXX/XXXX/XXXX
I have contacted the bureaus and consumables about these accounts on several acaccusation to apply to remove this accounts are 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.