WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax continues to deny my request to have the XXXX XXXX Hard Inquiry off my Credit Report they have stated that the inquiry is a record of file access. Only problem is that XXXX XXXX has stated that they did not and has never pulled or ask for my credit information. They have even stated that they have even tried to reach out to Equifax tio have the Inquiry removed and they have stated that Equifax has refused to reach back out to them regarding this issue. 

They have since sent a letter to stating that they have never pulled my credit and they have asked for the Inquiry to be removed. The letter has been attached once again
I was and had been in need of some funds for substantial needs of food and bills. I had been looking for a loan online and several financial institutions. However, due to my income that has and only consisted of Social Security XXXX Benefits because of my XXXX that XXXX each year as I get older. After already dealing with a type of scam previously, I am very cautious about certain possible felonious offers for any assistance. So that being said, I received an email from US FastCash loan services which by the email was endorsed by the XXXX and another prevalent business. The email offered me an approved loan of {$7000.00} with a 28 month term and a {$270.00} monthly payment ( I still have this email saved for future reference ). After calling and trying to get these much needed funds, I was asked for my account routing and account number for them to deduct the 275 monthly payment due ( this did n't raise any flags for me due to the fact that I have given this same information before to companies to pay for other items I have purchased and any borrowed funds from previous short term loans for a bill or cash for necessities. After never receiving any funds and my bank account balances at XXXX XXXX XXXX began to change, not to mention my Checking Account had a balance of $ XXXX, I called my bank to be informed that they intentionally made that my balance on purpose so I would contact them to question this ridiculous transaction. I explained what I had done ( in all actuality, they knew I was trying to get a short term loan deposited ). I was immediately informed that my account was being closed for giving a company my account and routing number. I tried to explain I 've gave this information out before in order order to pay my bills. This was my only account and the only way for me to receive my Social Security XXXX Benefits which is my only means of income due to the XXXX effects of XXXX I deal with on a daily basis. The closure of my account caused my XXXX benefits to be delayed, which caused a snowball effect of the payment of my monthly bills bills needed to survive including rent, water, power, groceries, doctor appointments and medications just to name a few. I do n't feel that the decision to close my account was called for and I was never given the option of closing the vulnerable account for a new one so I could receive my benefits and condolences was never ever expressed to me as a victim. I WAS THE VICTIM OF THIS FRAUDULENT SCHEME. I was made to feel like it was all my fault. It was very unfair, detrimental, and has caused me a lot of pain and suffering. I do n't know the laws very well within the financial institutions,, but I know I was n't treated fairly or respectfully and honestly I feel some legal or procedural actions from XXXX XXXX XXXX were broken and violated. I was violated not only by by the bank but the scam as well. I hope there is a way of getting the original email sent to you for my complaint. Please let me know how I can get the email offer to you from US FASTCASH. 

Respectfully, XXXX XXXX XXXX XXXX
I use Wells Fargo bill pay system. I was notified on XX/XX/XXXX that they were sending {$270.00} to the XXXX XXXX paper. I made the error - the amount was to be send to another service. I called the bank and requested they stop payment and was told it was " in process ''. We complained that the funds weren't scheduled to be received until XX/XX/XXXX. Why couldn't they credit my account and stop payment. " Not possible. '' Called and emailed XXXX XXXX. They said I would need a three way conversation scheduled ( bank, paper, and myself ) in order to reverse the funds. I explained repeatedly that the bank isn't involved at this point. Just return the funds to me - they were paid inadvertently and need to refund me. They finally acknowledged the payment on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the payment/refund. Every email exchange states they are looking into it etc. Then on XX/XX/XXXX they said the funds were " in the mail. '' I am really frustrated with both of these businesses.
On XX/XX/XXXX I noticed a fraudulent charge on my account and a on XX/XX/XXXX There were 2 {$20.00} charges and a {$240.00} charge. I got the {$40.00} but I am waiting for the rest
United One has repeatedly pulled my credit without my consent. The last time, in XX/XX/XXXX, I put in complaints and the hard inquiry was removed. Now, in XX/XX/XXXX, they are pulling my credit again without my consent. This is adversely affecting my credit score through no fault of my own.
In XX/XX/XXXX I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency Transunion. The list of disputed accounts on id theft report were deleted..The problem is that transunion additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
Transunion additionally communicated to XXXX and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get Transunion to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force transunion to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of transunion and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that transunion has further blocked the re-entry of the accounts.
I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were XXXX repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the XXXX and the XXXX on the same loan. I have the paper stating they repossessed the XXXX and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the XXXX van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is XXXX %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.
My wife and I applied for a XXXX loan with Amerisave mortgage on XX/XX/2015. We supplied them with all the information they asked for in a timely manner and paid XXXX $ for an appraisal of the property. Everything was fine untill the rate we locked in at ( XXXX ) went up a quarter point. Then the circus started. They have asked for countless documents which we have supplied and as of XX/XX/2015 they are still asking for more. Seems they are going out of their way to discourage us from wanting to go thru with this loan. Believe me if I could get this rate elsewhere I would not be writing this and would have gone to another institution. Heres the real kicker. Our credit score is XXXX credit report shows perfect payment history on all loans. Show XXXX in CASH, XXXX in IRAs. They have 3 years of tax records with all schedules, all bank account records sinse XXXX of 2015 and we still are getting a run around. I saved all the emails of all the hoops that they put us thru because to expain it all in detail in this forum would take days.
I pay my mortgage through a company out of California, Seterus. I fell behind after a forced retirement, eventually Seterus sent me a modified payment offer, I was told in the documentation as long as I made three consistent modified payments my payment would be the same lower amount for the remainder of the loan. After the third payment Seterus now shows me three months behind with none of the previous three payments being applied to principle or interest. 
I believe I was scammed under the assumption my payments would be up to date after the three lower payments. I am now 90+ days behind on my mortgage, Had I not taken to the scam, I would only be one month behind or caught up by now on payments. At the very least I would have made three full, regular, payments in lieu of three smaller payments. 
Seterus knows I can not afford an attorney for a law suit. What are my options? 

Thank you for your help. 

XXXX XXXX
I received a phone call from Jana Ferrell & Associate, they told me that a medical bill was place in their office and they were auditing files for legal processing. I never recived paperwork on this account and I did know that I owe my doctor a outstanding balance but I made payment arrangements with the original creditor.

The rep for the collection company did tell me that the account was in the process of reporting to my credit, but If I made the payment that they would remove it off my credit report. Which I did that. Its been 5 months since the payment in full for the balance and they have not removed it off my credit. I have contact a few time to the company but they tell me that all they can do is report the account as paid in full.
About 9 months ago I got dunning calls from Wells Fargo Bank, the calls where about a person who I do n't know AT ALL. I contacted Wells Fargo and told them what was wrong, in addition to getting calls about a person I do n't know the callers threatened to keep me on the their call listing until I paid the debt. Even though it is not mine, When I complained I was told it would never happen again. Well it just did, and he caller made the same threats as before. I want this stopped and want the {$1500.00} they owe me since I am on the do not call registry, and they know I am they wrong person and should not call me. I also want them punished to the fullest extent of the law.
A few weeks ago I work up to my checking account being negative {$220.00} due to a XXXX charge of {$360.00}. I called immediately once I found out as I was unaware of this charge and I received no notification. Because of this charge I got hit with 3 NSF fees which was credited back to my account. However I already had pending charges on their prior to being notified of this charge and I was charged an additional 4 NSF fees. I've been on the phone for hours trying to get this resolved. I found out it was from an old checking account I had from XXXX. However i never received any notification that this was going to be charged to my account. I found out the notification was sent to an old address. My concern is that you have records of my new checking account which is attached to my new addesss however you sent the notice to my old address why? If I was properly notified I would have made sure there were funds in the account. Also you had access to charge my new checking account yet u couldn't send the notice to my new address? I feel that you just decided to charge me this after having this account open with you since XXXX so you can make money off of the fees. I have no problem paying for that charge but I'm very upset that I had a total of 7 NSF fees because of this and only 3 of them were waived this is ridiculous. I also received a copy of the notice finally and it has a date on the letter of XX/XX/XXXX and in the letter it says my account will be charged on XX/XX/XXXX. How is this notification? I'm requesting that you review the situation and waive the remaining 4 fees please thank you.
TransUnion XXXX. XXXX XXXX XXXX, PA XXXX refuses to send my credit report and crdit score for a loan with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX concerning a loan application.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 3 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have a company called qualia collection services from XXXXphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in XXXX for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.
Wells Fargo pulled my credit without my authorization resulting in a hard injury on XX/XX/2017. I did attempt to call and I was advised to send a fax to XXXX or they dispute resolution unit and that they would get back within a 30 day time frame. I have faxed them my information it's been over 30 days and yet I have still received no contact from Wells Fargo and over the phone the agents refuse and or unable to advise me why they pull my credit or an update regarding the hard inquiry. Overall, I am under the impression that this is an attempt by Wells Fargo to illegal open an account in my name to inflate there open accounts numbers and make sales quota due to the fact, they refuse why they have pulled my credit.
for the last 6 months I get a phone call once a day from this company XXXX XXXX XXXX. They even call me on my work phone and they ask me for XXXX. 

There is someone on my XXXX XXXX family plan that has paid off their phone debt. This is the only reason they could be calling me. As I said the debt is not mine and it has already been paid yet they continue to call me.
I have sent many dispute letters to Equifax and XXXX in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.
After carefully reviewing my credit file XXXX has placed a debt onto my report in the amount of {$1000.00}. XXXX has the last reported payment on XXXX XXXX, 2015. XXXX failed to report the other payments made to this account. I would like for XXXX to remove this item off of my credit report due to XXXX placing me on a monthly shut off protection plan and XXXX failed to report payments made. This affects my credit report dramatically. I do not feel that it is fair for XXXX to place collection on account but not report payments made.
I closed an account with Chase due to fraud ( card ending in XXXX ) in XXXX Well I have noticed balance transfer fees. So I called Chase and this is the summary of what I was told : When you closed your account ending in XXXX the balance was transfered to the new card ending in XXXX. 
I told them they can not charge me a balance transfer fee because the account with them was closed due to fraud activity ... ..so far all Chase has been willing to do was close my account ending in XXXX and issued a new card ending in XXXX. 
I need someone 's help getting ... balance transfer fees paid back that Chase has been charging me for a couple years. When I call they have no answers for me.
XXXX sold my mortgage to Bayview Loan Servicing, located at XXXX. XXXX, FL XXXX, over one year ago. I have owned my home since XX/XX/XXXX and have never been late on a mortgage payment. Since Bayview Loan Servicing took over my mortgage and my escrow account, they have not paid my School or County/Town taxes on time and I receive late notices for the taxes that include penalties and interest. Long story short for the past year I have spent hours on the phone with this company trying to get this straightened out. In fact It all began with them having my last name wrong on the account. I was remarried in XX/XX/XXXX and XXXX had all of this correct after all of the proper documentation was sent to them. I finally got this straightened out with Bayview after numerous telephone calls and time taken away from my job to have this corrected however they still are not paying my property taxes on time. After many telephone calls, I went to my mom who works for the Town of XXXX. and she brought me to the XXXX to investigate. I then contacted Bayview again a number of times to advise that XXXX which is a third party that Bayview uses to pay the property taxes advised us that Bayview Loan Servicing inactivated my account on XX/XX/XXXX and they do n't know why so Bayview needed to take care of the matter and get the taxes paid. Bayview on my last conversation advised me again that the taxes are being researched and we should know something around XX/XX/XXXX. This I was told after discussing with them that the Warrant date for my property taxes to be paid is XX/XX/XXXX and this is going to create more penalties and interest not to mention this begins the vicious cycle again and does not correct the matter. I am at my wits end and this has caused my a tremendous amount of XXXX and is causing me problems at my job not to mention on my health. My next step is to contact a Lawyer but I do not have the money to do this as my husband is ill at this time and has not returned to work not to mention that I have no more time available to deal with this incompetency I other more important matters to address to with an ill husband, my job and children. I have asked my mom to step into help and I feel bad about this because she has a stressful enough job. She is going to sending another letter to Bayview to request that they release my escrow to my so that I can pay my own taxes. I can ' t take this anymore. I have had a few representative at Bayview including Supervisors that have tried to help and were professional however I have also had some that were rude, put me on hold and never came back, disconnected me and I even had a man swear at me and hang up. I ca n't deal with any more of this. Please advise.
I received an email from Coinbase advising me that my account had participated in " unauthorized transactions, '' and that they were forcing my account to close. I was directed to transfer funds away from my Coinbase account. I transferred BTC and ETH balances, but the USD balance is unable to be transferred because I have n't added a bank account to my profile. The system will not allow me to add a bank account because it is forcing the closure. I have submitted a ticket with Coinbase ( a month  ago, with no response ), and the automated system for " self-help '' does not address this issue. I have USD sitting in this account which they will not release to me, or even acknowledge.
I have had a credit card account with Best Buy for five years. It started on XXXX Best Buy, and was migrated over to Citibank Best Buy ( I 'm not sure when. ) I 've been a very good customer, and have always paid my bill on time. I was shocked this month to find that for the past five years, I 've been being charged for " Debt Protection '' when I never signed up for it, and was never notified once the account was transferred to Citibank. I have already gone through the process to have it cancelled. After waiting 30 days, I just received a letter today saying they wo n't refund the service, even though I did not physically sign up for it. Checking my documentation, this was never a requirement on new credit accounts or that it would automatically be applied. I will take responsibility that I did not check my bill for wrong charges, but, as a good customer, I simply pay on time and have trusted Citibank to do the rest. I would n't have missed a few dollars here and there originally, but now I have a very high credit limit ( good customer, good credit ) and have been charged at time {$50.00} a month for this service, paying in a little under {$1000.00}. They also will not take responsibility for the lawsuit ( referenced here : XXXX ) and are trying to put the blame on me for a service I never agreed to. They said they will re-initiate the request, but why should I wait another 30 days for the same answer?