WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Experian XXXX/XXXX/XXXX asking for the removal of inquiries that are on my report that I didn't authorize. 
I was told that by law unless their were a result of identity theft I couldn't have them remove. I was under the impression that credit reporting agencies or responsible for the data that they report and to its accuracy? 
The following inquiries I did not authorize : XXXX  XX/XX/XXXX received a solicitation letter from, probably the 5th one over the years but never used their service. 
XXXX XX/XX/XXXX and XX/XX/XXXX never heard of them but I was solicited about their products through an email but asked to be removed from their list and was then solicited through the mail with preapproved offers which I declined and never used their products. 
XXXX  XX/XX/XXXX I have no ideal who are wat they do but its on my report. I sent a registered letter which was returned and when I discussed forwarding it to Experian they told me not to bother. 
XXXX XXXX XXXX  XX/XX/XXXX solicited me for a credit card which they said I was preapproved for and I asked had they ran my credit and they said it was a soft pull and after I discovered it was a hard pull they closed the credit card. I never authorized a hard pull of my credit.
The californias check cashing in XXXX XXXX ca on XXXX XXXX XXXX XXXX XXXX..they call from XXXX and different random numbers past XXXX and multiple times a day and said they increased our debt and will continue to do so until we pay .I 've hung up they 've called right back and have call logs to prove it.I have verbally expressed in that my husband went on XXXX and we will make payments or pay in full when we can they refused payments and continue multiple calls per daywith intent to belittle its unprofessional and awful and I tell them the same thing every time the call over and over from different numbers .how can I make them stop.
As on all XXXX of my credit bureaus Toyota motor company has filed inaccurate information on me, they refuse to remove it but under by it 's very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue Toyota motor company for false inaccurate information. This needs to be done ASAP. This is a clear volition of the credit act, it was removed from all three bureaus and then placed back on again this again is a violation of the credit act as well
Rushmore Loan Services bought my mortgage about a year ago. Recently I have recieved XXXX notices from XXXX that my taxes have not been paid. I contacted Rushmore and they said to fax the notice. I did and then a month later I recieved another notice from XXXX saying that my taxes are delinquent. I contacted Rushmore again but they were unable to help me.
XXXX does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filedXX/XX/XXXX ( one for each mortgage company ). I received a response from XXXXXX/XX/XXXXstating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to XXXX each month. 

I would like the history corrected for both mortgages.
MY CREDIT CARD FROM CHASE WAS APPROVED AND ISSUED TO ME. AFTER ACTIVATION I FOUND OUT 2 WEEKS LATER, IT WAS CLOSED. THIS IS THE SECOND TIME THIS WOULD HAPPEN WITH CHASE CREDIT CARD ( MILEAGE PLUS EXPLORER ). 
I HAVE NEVER HAD THE OPPORTUNITY TO USE THEIR CARDS. THEY KEEP APPROVING AND CLOSING IT. THIS IS UNFAIR AND THEY NEVER GIVE ME REASON WHY THE CARD WAS CLOSED.
XXXX XXXX XXXX sold my loan to Nationstar Mortage LLC. It is almost impossible to deal with this company and took pulling teeth to finally find out how to pay my mortgage. Now I receive a letter from my insurance company ( XXXX ) that even though I am paying my mortgage that XXXX is not receiving mortgage insurance premiums. I am paying for insurance with XXXX but XXXX is keeping the money and not paying my insurance company.
i had a debitcard on the XX/XX/2018 from the usaa mobile app. It was not me or anyone else authorized for the ordering of a new debit card my phone did not do the request. I would like the request for a new debit card from the usaa mobile app to be investigated to find out the phone or person or persons responsible for the unauthorized order of replacement debit card. The fraud depart at usaa is going to be doing an inner investigation on their end but part of their investigation process is to fill this fraud report out
American Express sent marketing information to my home address soliciting to my father, but they did not include the suffix so I thought it was addressed to me. It had pre-approved deals solicited to my name and I started applying for the credit card online. They did a hard credit check on my information then denied me. But I put in information that clearly showed that I am the XXXX, including my SSN.
They sat I owe XXXX XXXX XXXX XXXX XXXX for some sort of medical I've made several attempts to tell them I've been on Florida medicade since XXXX giving them all info to confirm this. I've filed a dispute with trans union they denied the dispute here is the number they gave me. XXXX. I'm at my wits end I've tried to rectify this to no avail. I can't even get the date of the service I was billed for but i was in a Florida prison from over a year prior to the date on my credit report until XX/XX/XXXX. No one will give me any info they just want ne to arrange a payment plan
Three years ago I went to the XXXX for one day. I paid all bills associated with this visit and am now being contacted by a creditor claiming they purchased my " debt '' and are looking to collect. I claim that these bills never existed and wish to restore my credit and absolve myself of these false accusations.
I have a XXXX credit card ( home improvement store ). I pay regularly each month. Currently, they ask for a minimum {$25.00} payment due on the XXXX of each month. I made a {$30.00} payment on the XXXX of the month but they are not counting it as a payment for this month as toward the minimum, instead demanding that I make a payment on or before the XXXX. I feel that I have satisfied the requirement for this month and their doing this is a deceptive business practice.
This was for a rental modem by XXXX XXXX XXXX. When leaving the landlords we called XXXX XXXX XXXX and worked it out to transfer the rental modem onto his account so he could continue Internet use there at his rental. XXXX XXXX XXXX helped us do this. Then a month later XXXX XXXX XXXX called asking for us to return the modem or we would be billed. I explained that we transferred the modem over to landlords account to keep services at the property. XXXX XXXX XXXX looked into it and said that it was ok no issue now. Over a year later XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX shows up on my credit report dropping my score over 40 points with a claim for XXXX XXXX XXXX for {$110.00} saying we never returned the modem. They are tanking my credit score and need to be held accountable for their error.
I have asked to have negative collection account information removed from my credit report since this erroneous charge off accounts are over seven years old from the original creditor and a debt collector keeps refilling or changing the date of the delinquency.
Account resolution service, XXXX XXXX XXXX XXXX are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX   attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
I received a response to previous complaints from XXXX XXXX of Bank of America. 
As I recounted the 15 months of back and forth paperwork only to deny a loan modification at the first step, she listened and appeared to agree that this was not right and she understood my frustration. 

Unfortunately, XXXX 's only solution is to refer me back to the same lower chain of command who requested the same useless documentation, some of which was not required during the first 15 months. 

I still have not received compensation for Bank of America 's failure to properly handle a loan modification in a timely manner, and thus, cost me thousands of dollars in increased loan payments. I tried to get an Email for XXXX to send additional documentation and evidence from my mortgage company to justify a hardship, but was unsuccessful in achieving this. 

Further, I received a phone message from XXXX XXXX on XXXX XXXX, a message that stated she was " required '' to call me. 

Below is bullets from previous complaints which sums up how I 've been treated by this bank. 
1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of 2013. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least 3 occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process.
i bought a used XXXX XXXX XXXX onXX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.
XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.
XXXX/XXXX  have recently reported myself & my husband as 30 days late for XX/XX/2017, on both of our credit profiles. This is ABSURD, as I have always made my payments on time and am showing a status as " current and up-to-date '' each month, on my credit profile from the date that they reported it until present. Please investigate. This is a fraudulent report!
National Credit Systems  #  XXXX  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX , ) (  XXXX  )  XXXX  ) Placed Collection Balance {$1000.00} dated  XXXX / XXXX / 2017  Creditors where the   XXXX   XXXX   XXXX   XXXX   XXXX   I lived at these residents 4yrs ago I stop living there in good standing never had a broken lease the apartment people put this fraudulent frivolous amount on my credit saying I owe them after I moved out the resident for what I do not know I was not taken to court or placed under eviction also the apartment was filled with bed bug that 's why I moved. Please handle this complaint for me and let me know what I can do as a consumer to get this off my credit I feel like I am being abused by the apartment complex because I never had any problems with them and I feel like this is a unfair
On XX/XX/18 I received an email from Chase about a suspicious charge on my XXXX XXXX VISA card in the amount of {$490.00}. I immediately contacted Chase to confirm that the charge was fraudulent and they removed the charge, cancelled my old card number and issued me a new card. 

AT THIS POINT, I THOUGHT THE MATTER WAS COMPLETELY SETTLED. 

However, the charge of {$490.00} reappeared on my XXXX statement. When I contacted Chase again, they said they put the charge back on my account because a package linked to this charge was shipped to my address. 

Again, I informed them that I did not make this charge and never received any packages. I also informed them that someone set up a fraudulent XXXX My Choice account linked to my address and this time, mostly likely, to intercept the package. I have a police report to document this. 

In spite of this information and repeated calls made in an attempt to settle this matter, Chase refuses to remove this fraudulent charge.
Upon being denied from a lender for too many inquiries from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.   XXXX   date   XXXX   2.  XXXX  date   XXXX   3.  XXXX  date  XXXX  4.   XXXX   XXXX   XXXX   date   XXXX   5.  XXXX  date  XXXX  6.  XXXX  date  XXXX
XXXX {$2000.00} You can not collect a debt twice ... 

... grave errorfalse claim and reportingI want this account removed, and reported to credit bureaus immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau  and reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Dear XXXX : After diligently trying to resolve a billing issue with Experian Credit Monitoring through their customer service department known as XXXX I have received no help and would like to ask that you look into the matter. 
In XXXX I signed up for their service, I called to cancel 2 years later not needing it anymore. A rep offered me a lower rate of XXXX down from XXXX. I accepted. Two years later in XXXX XXXX the company started billing me XXXX again. I did n't catch it until XXXX XXXX. I have attempted to resolve this overbilling with them but all they did was tell me they would refund one month which they have not ( been almost 1 month since then ). They state that I was on a trial when in fact my trial month was way back in XXXX. I was in fact on a reduced rate with no given expiration. I am very distressed that this criminal business practice is not prosecuted. I 'm looking to you for your help. All correspondence is included below. 

As you can see from the bills uploaded, XXXX/XXXX/XXXX as well as bills from XXXX and XXXX of XXXX ( new doc XXXX ) my rate was XXXX, more than 2 months before it went up, proving I was not on a 30 day trial. Additionally, I still have received NO REFUND as they stated they would give me 1 month as a courtesy. This disreputable business has taken my money and wasted my time. Please help. 

XXXX XXXX XXXX XXXX
I was contacted by XXXX XXXX of XXXX XXXX XXXX I gave her some information on XXXX XXXX she contacted me and said I was approved for the loan, but I have to get an appraisal for {$450.00} from this specific company that they go through for appraisals I told her I did n't have that type of money obviously looking at my income that is nearly half of my monthly income so she knew that I was borrowing the money she told me and the borrower on speakerphone that will be closing in two weeks and I would be able to give the money back, the appraisal company help my money for over a week and did n't do an appraisal within that time she contacted me and said I was denied and I asked about my refund she said she would talk to her manager the next day when I contacted her she said I was asked me if I was excited because I 'm approved they sounded different underwriter and not to worry so that day or the day after the appraiser came out of course to do the appraisal. XXXX had put somewhere in some paperwork that my house was worth {$90000.00} the appraisal came back for {$73000.00} I would have never estimated so high but somehow she came up with that *she also lied to me and told me that the APR was 4.7 when he was actually 5.6 for the proposed loan she actually lied to me twice and told me I was approved for the loan obviously because I 'm not, she misled me to believe I was approved, I did not have to agree to do the appraisal, had I known I was denied but she lied to me and told me that I was approved. Now she refuses to respond to correspondence in her company is not cooperating and giving me my money back. It 's already been a month she told me and the borrower that we will be closing in 2 weeks so I could give the money back with the cash out and it 's been over a month now, I still have to pay back that money to the borrower They Do n't Really Care that the loan did n't go through she said we will be closing in two weeks and so I was expected to pay this money back in 2 weeks unaware that being so misleading was part of professional courtesy. For now the law and compliance Department of XXXX XXXX mortgage is doing an investigation on recorded phone calls to see if she told me that she would give me a refund on my denial. It seems very condescending why would she make that type of insurance when she had told me I was approved? I need that money back.
I tried a website to get an answer on a computer problem. The site did not answer my question and charged me XXXX. I called U.S. Bank and told them not to honor that charge because I didn't get an answer, they took this charge off my bill. The next day, I looked at my credit charges, on-line, and found a XXXX charge for joining this site. I did not join this site! The charge was put on without my knowledge. I called and told the fraud department that this was a fraudulent charge and they shouldn't honor this charge. They told me this charge would be taken off my bill. I have since closed my account because of this charge and I keep getting notices that I owe this bill. For three months I've been dealing with the fraud department and they are still charging me for this fraudulent charge.
The debt was paid and has a {$0.00} balance and the collection agency will not remove it even with consent of the doctor 's office that issued the collection. The doctor has stated they have been paid and agree to the removal. I would like this removed from my credit report.
Portfolio Recovery has been calling me and all my family members on their cell phones continuously. They are calling my home all day long. I have tried talking to them, but are rude and not willing to listen. This is over a ten year old account, when I was laid off.
XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.