WillisBack/dataset-financial-user-claim huggingface dataset:
On  XX/XX/XXXX  I applied for credit through  XXXX   XXXX .  Ally Financial  ran my credit   XXXX  , resulting in  XXXX  inquiries fro m Ally Financial o n my credit report on the same  day. Ally Financial ne eds to remove  XXXX  of the inquiries. Obviously,  XXXX  of the inquiries is valid and should stay. I disputed the   XXXX    inquiry indirectly through  XX/XX/XXXX  and received a response that the inquiry was authorized, therefore it was not removed ( see attached ). I then wrote a letter t o Ally Financial  and disputed the  XXXX  inquiry directly with them on  XX/XX/XXXX  ( see attached ). I was very clear in my letter that I agree  XXXX  of the inquiries is valid, but the  XXXX  inquiry is NOT valid and should be removed from my   XXXX   credit report. I received a response dated  XX/XX/XXXX  that was very generic and simply said that the inquiry was valid ( see attached ). They did not address or otherwise explain why there were  XXXX  inquiries on my credit report from their company. I have attached a copy of my  XXXX  credit report showing the  XXXX  inquiries.
NAVIENT Balance Increased by {$3600.00} Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your NAVIENT student loan account balance increased by {$3600.00} from {$3800.00} to {$7400.00}. 

This has been reported to the XXXX and XXXX  and my student loans are in good standing and in income based repayment plans. This is the second increase they have reported in a month and no new loans have been taken out and I have payments of XXXX a month. I have called and they tell me they have not reported any new information.
I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I am filing a complaint against Selene Finance due to the fact that I am going through a modification but I am being foreclosed on XXXX XXXX, 2015. When my account was transferred to Selene from XXXX XXXX XXXX, I was going through modification. I told Selene that I wanted to do a Deed in Lieu but was told I had to go through the other modification processes first, trial modification, short sale, then Deed in Lieu. Went through the trial modification. Submitted financial documents. My representative XXXX XXXX got with me and determined that my finances did n't allow me to be able to pay the {$910.00} trial mortgage payment. We contacted them and provided the information to them. After that was over in XXXX I began working on tthe short sale. I contacted a realtor to get help with that. I did n't know them personally but they told me they could set it up for me. Submitted information. Did n't hear anything from Selene so assumed everything was good. Then in XXXX, I got papers from the XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX saying I was being foreclosed on. Contacted Selene to find out what happened. Could n't reach my loan resolution contact XXXX XXXX. I was told that paperwork was n't received. Told them that everything was sent. They never contacted me to say anything. XXXX XXXX is supposed to be working with me and has n't lifted a finger to guide me or help me through this process. I have no idea what is going on. I have been treated terribly and this is n't fair. I need help and do n't know who to talk to or where to seek help. I do n't know how the foreclosure works and if I will just be put out one day while I am out. I am concerned and do n't know what to do. Please help me.
I purchased a wig from this company called XXXX. One the website it clearly states it will be shipped out in one day then delivered in two. My wig was never shipped the next day so I contacted them. I have attached photos off all the emails below. I badgered them on XXXX for some sort of reply and got nothing and I even called over and over again. Eventually I escalated this to my bank by filing a claim. Wells Fargo told me they cant get my money back because I sent the payment through XXXX. This is the company XXXX XXXX XXXX
My checking and savings account were levied a total of {$840.00} from my bank account. I was told by Wells Fargo that if I handled the problem the XXXX ( XXXX ) had with me, and the XXXX faxed Wells Fargo a release-of-levied-funds letter by XX/XX/2017, they would return said funds to my accounts. I handled my problems with the XXXX and they, in turn, sent Wells Fargo a fax to release my levied funds ; a fax for which the XXXX received a return confirmation fax from Wells Fargo, at XXXX on XX/XX/2017 with a " Withdrawal of Withholding Order # XXXX '', confirming they received that fax from the XXXX. 
On XX/XX/XXXX Wells Fargo disregarded the release-of-levied-funds fax from the XXXX and sent those levied funds to them anyway. When questioned, the Wells Fargo legal department said they did n't receive the release-of-levied-funds fax from the XXXX until XX/XX/2017, which was past the XX/XX/2017 cut-off date. Wells Fargo told me those funds are gone and there 's nothing I can do to get them back. 
The XXXX faxed me the confirmation fax they received from Wells Fargo at XXXX on XX/XX/2017 ( included ) that proves when Wells Fargo received that release-of-levied-funds fax. The Wells Fargo legal department has lied to me and I have the proof! 
I keep being charged for overdraft protection for automatic payments that were in place, because Wells Fargo did n't return my money as they said they would! I have no money! I ca n't even feed my mother, for whom I take care of, and I 'm running out of gas in my car and I do n't know when I 'll get paid next. I have borrowed all I can from friends. I have all documentation from the XXXX ( including a voice message sent on XX/XX/2017 saying they faxed the release-of-levied-funds letter ) showing that a mistake was made on Wells Fargo 's part and nobody else 's.
We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list.
XXXX XXXX XXXX, has resold the same debt that I 've issued complaints to CFPB previously regarding. XXXX is not being represented by CCI Contract Callers, Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. XXXX funding, nor CCI has ever provided verification of originating debt. No signature cards have been provided and CCI, XXXX funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate XXXX Funding and CCI for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. XXXX funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. XXXX needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
This debt is not mine. They have the wrong person. I never purchased anything from XXXX XXXX. I have been trying to dispute this same debt for many years and it has previously been closed by other debt collectors. See my documentation of this process attached.
I have submitted several request to XXXX, XXXX and Experian as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency
After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$3000.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX XXXX INROLLMENT CARD WITHOUT INROLLMENT CARD THEN PLACE XXXX WAITING FOR SUPPLMENT SECUITY PAYMENT XXXX TAKE THERE MONEY XXXX XXXX XXXX  XXXX XXXX CARD CANELL SEND NEW CARD XXXX THEN INPUT ALERT ACCOUNT XXXX XXXX  EFT XXXX XXXX CARD XXXX A DUCUMENT FAX DMV XXXX COMPLAINT DUCUMENT NOT CLEAR REFUSE SEND NEW CARD CARD XXXX XXXX XXXX   XXXX DISRIMINATION RACE ALOS CREITED POOR AMEREICAN BOEN STATE WITHOUT CREITED CARD GRANTED UPON FEDRAL PAYMENTS DEPOSIT ACCOUNT USEING PRE PAID CARDS NEED BANK CARD XXXX XXXX  XXXX ROUTING XXXX CLOSE CARD XX/XX/2018 OPEN DEPOIST NEW YORK STATE SUPPLMENT SSP XXXX DEPOSIT ACOUNT REJECTED SEND BACK SENDER PAPER CHECK LEFT ACCOUNT XXXX I WAS MAKING PAYMENT ACCOUNT XXXX XXXX  ONTHER FIRM XXXX XXXX XXXXMASTER CARD RESTRCITION CARD BLOCK CARDS SEND FEDRAL PAYMENT BACK SENDER DEPARMENT TRERTY KID TOOK TRADE AUTOBOADY TTOK LOAD XXXX GOVERMENT CREITED BURURE ICAN GET CREITED CARD DAMGE NAME ONTHER XXXX XXXX ONTHER FIRM XXXX XXXX  XXXX ACCOUNT EXCESS CARDS
I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.
I have been a valued and loyal customer of American Express Platinum Card since XX/XX/XXXX. Beginning on XX/XX/XXXX at XXXX, in a recorded call w/a male member of the American Express Credit division, I was harassed and a large unauthorized payment was direct debited out of my business checking account. At XXXX, XX/XX/XXXX, I made a follow-up call to the credit department. This time, the man I spoke with was very apologetic, said that he had started a review of the situation and that I would hear back from a supervisor within 48 hours. I never received a call back from the supervisor. The following week I called back several times. Finally I was given the direct line of a supervisor who said we would have a call on Tues. XX/XX/XXXX at XXXX EST to review 8 months of my Am Ex statements which reflect every month inaccurate payments which I made throughout from XX/XX/XXXX-XX/XX/XXXX. I have statements from the bank documenting exactly what was direct debited from Am Ex out of my business checking account. To date, Am Ex has inaccurately posted my payments direct debited from my business account. The supervisor, XXXX XXXX at phone : XXXX, never called and never returned my calls. I called XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I made a payment to Am Ex on XX/XX/XXXX, of {$16000.00}, direct debited from my business XXXX account. I have an outstanding balance, which I have repeatedly said I am interested in paying in full, both in speaking with Am Ex credit operators directly in live calls ; and repeatedly, in my messages to XXXX XXXX XXXX message. My records show that I am being overcharged by Am Ex by at least {$3000.00}. When I call and speak w/any one directly at the Credit Department, I am assured that I will receive a call back from a supervisor within 48 hours. This has never happened. As of, XX/XX/XXXX, I have repeatedly said that I want to pay my balance in full and get out of the extended payment plan where I am being charged 18 % on the ongoing balance ... and our records need to agree as to how much I have already in fact paid through direct debit of my business account. Please help! No matter how many times I 've called and tried to resolve this situation, I have received no assistance from Am Ex. Since XX/XX/XXXX, I have only had very supportive excellent service with American Express. This experience that has now been ongoing since XX/XX/XXXX is very, very distressing and disturbing.
Calls without identifying who they are. Threatens legal action. have told to cease and desist all contact and the still call.
I have asked equifax, XXXX and XXXX to remove inaccurate address and phone number for my credit. I was told by all XXXX that they will be remove the information but they still showing up on my credit report.
My XXXX  credit card was used fraudulently in XX/XX/2015. I had no idea the card was used. By the time I found out, I paid the balance but XXXX put a 30-59 day late on my credit report.
I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
I am responding to your contact about collecting a debt. You contacted me by phone at XXXX and XXXX as well as mail XXXX XXXX XXXX XXXX XXXX XXXX NC, also address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC on XXXX/XXXX/XXXX And identified the debt as Advance America this matter has been in dispute since XXXX have been back and forth with this company over and over since XXXX and XXXX about this debt I have expressed to this company many times that I had identity fraud and sent them the paperwork that they want me to fax over back in XXXX this company has been harassing my family and leaving message on my job phone this need to stop now the police report number for this XXXX.
The events started with the Equifax security breach ( XXXX ). 

At this time, no money has been stolen but there have been attempts to breach my, and my families accounts since this date. The most recent, XXXX, was an attempted breach on our XXXX account which was caught by their two step authentication process.
thank you for taking the time to review my complaint. I submitted a complaint prior to this XXXX. The complaint number is XXXX. As I stated in my complaint, I was able to get more information that helped but I have a many problems dealing with Shellpoint, please allow me to explain further. 
On XX/XX/XXXX I had an appointment with my housing counselor XXXX XXXX at the XXXX ( XXXX ), we were discussing the issues with my mortgage and that Shellpoint was asking me to complete hardship paperwork. I explained to XXXX XXXX that I do not want to complete the paperwork because I have submitted the paperwork to them before and my income and resources have not changed drastically, also they are asking for too much information, and at this point I just do not trust Shellpoint at all. XXXX XXXX did explain that it is customary for most Lenders or Servicers to have borrowers complete the Hardship Affidavitt. I told her I understood that but I am not completing the application, my issue is more of a complaint than a hardship. We placed a call to Shellpoint and spoke with a Rep by the name of XXXX XXXX at ext. XXXX. I explained that I am aware that I am behind and I would like to get on a repayment plan and also have the automatic payments of XXXX set up on my account cancelled until I get caught up. There was a requirement of a pymt of XXXX to put down but I explained that I did not have the extra XXXX to put down and could the previous pymt of XXXX be used? XXXX XXXX explained that he could not use that payment but did agree to forgo the XXXX and he would call me on the XXXX of XXXX for the XXXX. We set up a repayment of XXXX for XXXX, XXXX and XXXX and XXXX XXXX was supposed to call me back on XXXX XXXX to take the XXXX payment for XXXX. I did not receive the phone nor did Shellpoint cancel the automatic deduction on the account. 
The other issue I am having is that the insurance that is on my loans with Shellpoint seem to overlap. The Master policy number is : XXXX. This policy covers loan numbers : XXXX, with effective dates of XXXX and loan XXXX with effective dates of XXXX. As you can see there is an overlap or it appears that there is XXXX policies on only XXXX loans. Please help me in sorting this out. All I want is to get back current on my loans and apply for my own homeowners insurance to get back on track and have the payments back at the modified amounts of XXXX and XXXX. I have attached the home insurance policy information for your review. As far as the conversation on XX/XX/XXXX with XXXX XXXX, my housing counselor documented the conversation. You can reach XXXX XXXX at XXXXXXXXXXXX or XXXX, XXXX. Thank you for taking the time to review my complaint, I look forward to hearing from you soon. 
PLEASE NOTE : I will have to fax the policy information, my scanner did not work. 
Sincerely, XXXX XXXX.
I was denied credit by this lender and the fact they w ere notified my credit reporting with all three major agencies was never noted on the rejection letter. Furthermore since bankruptcy I have NOT been in collection. We have no way of knowing who these other agencies that report on us are and as with XXXX XXXX who had the incorrect information. Do the others such as XXXX XXXX Or XXXX have similar incorrect information? My concern is where did they gather this alleged information since
On Friday, XX/XX/XXXX, I made a purchase at XXXX XXXX in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me.

She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.
I have a personal loan with Tower Loan of XXXX XXXX, MO. It has been a nightmare since. Not only were there harassing calls on my cell phone by a woman who used threats, and very aggressive tone, but it was all because of a mistake on their end because they had my name spelled incorrectly and were not allocating the payments right. payments were being made monthly. I would get an apology, then the next day more aggressive voice mails because she " forgot '' about our conversations. 
Now, a year later, i have changed jobs, one reason being is the harassing phone calls at work. They would have me paged over an intercom system that is used across the entire facilities campus, but if they could not contact me, they asked for my manager. I was called into his office, where at the time i was working on a promotion and was verbally warned about receiving personal calls at work. This was after several times of telling this company they can not contact me at work. 
After that verbal warning, my promotion that i had been working on all year was a shot in the dark. The level of credibility and professionalism was lost between myself and my manager. 
I then decided i need to move on from that company, i had been embarrassed. 
I have been working at my new place of employment ( career move with promotion ) for only 2 months. XXXX. 
There was a lapse of approx 2 months without a payment due to the job change and time between paychecks. 
I received a surprising call from Tower Loan on my work number while sitting with my new manager doing systems training. I dont even know how they got it. im not hiding from them, but i had not put it out there either. i am not only in another city but another state. At that time i told Tower Loan that i am NOT ALLOWED TO RECEIVE PERSONAL CALLS AT WORK. i went into the office, caught up on payments ( XXXX thats 3 payments ) and it has only been a few weeks and i have now received 6 calls on my cell phone and 2 calls on my work phone! 
I have already discussed options to have this loan transferred to another branch, but their business practices need to be brought to your attention. They also have an assumption that i owe double what i do, but they can not prove it, he just says ... my computers math cant be wrong, but will not show it to me. 
This is absolutely unacceptable and i wish i never accepted their loan. i was not even that desperate at the time, it was to pay off a medical bill who were not even harassing me.
This civil judgement was place on my credit report for {$3000.00} that does n't belongs to me. I have contacted Experian about this account letting the know that this account belongs to my ex- wife and that it is also paid in full. They say that they did an investigation and the result is that it belongs to me and not paid. I have contacted the courts and they say that the account is paid in full but Experian is still saying that this account is mine and its not paid. I try to dispute it again but they will not do another investigation. I need this account to be remove from my credit report because not only is it paid in full but its not mine.
My suspicion is that there is a deliberate scheme by Stonegate Mortgage of intentionally reducing mortgage payments to starve clients escrow accounts thereafter essentially guaranteeing a high probability of refinancing, hence refinance fees and charges. My case is as follows. 
1 ) Original payment from XXXX XXXX was set up at {$1600.00}. This payment would cover your Principal & Interest, Hazard Insurance, Mortgage Insurance and Property Taxes as were estimated at time of purchase. 
2 ) Stonegate changed ( reduced ) my monthly payment ( intentionally? ) and now I have a problem : ESCROW SHORTAGE of {$5200.00} 3 ) Stonegate is thereby increasing my escrow XXXX % and my total monthly payment XXXX %. 
4 ) Essentially forcing to consider refinancing.
Medical debt from my husband was placed on my credit report. Our insurance delayed payment and the debt was sent to collections. Our insurance finally paid but the deductibles and copayments remained in collections ( amount owed updated on credit report ). We worked with  Consumer Collection Management Inc. to  pay off the medical debt. I received a letter from them on  XXXX / XXXX /   2016  that all medical debt was paid and that it would be removed from my credit report.  XXXX  accounts remain on my   XXXX   report and are being reported as " open. '' I have disputed the items and also contacted the company however I have not received a resolution.