WillisBack/dataset-financial-user-claim huggingface dataset:
I am in receipt of my Equifax credit reports dated XX/XX/XXXX,  I noticed the following credit inquires on my report : ( See attachment ) The ( 3 ) five following unauthorized hard inquires which impacted/lowered my credit scores were placed on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX, without my knowledge or consent : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax On XX/XX/XXXX, I went to this dealership to look at and possibly purchase an advertised XXXX XXXX . Although I had arranged for my own financing I was told in order to discuss and agree upon pricing I had to complete an application, I could not negotiate a deal without first completing XXXX application. 

I specifically and repeatedly told the salesperson I did not want to run credit reports, place any unnecessary hard inquires on my reports which would had an immediately impact on my credit scores or apply for any credit with their lenders, just wanted to negotiate and agree upon pricing on a vehicle. 

XXXX XXXX agreed the inquires were made in error, promised to contact Equifax submitt request for deletions/removal. According to XXXX XXXX an request was submitted several times to Equifax. 

I reached out to Equifax on XX/XX/XXXX, tried to dispute the above mentioned inquires and was denied. According to Equifax an conumer can not dispute inquires or removal. 

I explained to Equifax under the FCRA any inacccurate information can be disputed by the conusmer and removed, in addition provided copies of letters from all parties asking Equifax to remove above mentioned inquires. Equifax not only refused to take my dispute but also refused to remove said inquires in direct violation of the FRCA.
Debt was written off by XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Absolutely no attempts to collect this debt have been made by company since then. In XX/XX/XXXX company mailed a XXXX Cancellation of Debt to me which I did not receive until approximately XX/XX/XXXX, to late for me to include it on my XXXX tax forms, because they mailed it to the wrong address. Company discharged debt in the amount of {$1000.00} but have continued to report on a monthly basis a " Not Paid '' amount to credit reporting agencies in the amount of {$1800.00} ( I believe the discrepancy is their fees and interest ). I have been forced to pay hundreds of dollars in taxes and fees on this amount because they didn't provide the required tax documents to me in a timely basis and because they failed to attempt collection for more than 36 months this XXXX should have been issued for XX/XX/XXXX not XX/XX/XXXX.  Furthermore, because of the XXXX XXXX XXXX for their decision to no longer pursue collection of this debt the " Failure to Pay '' code should have ended at the very least in XX/XX/XXXX if not the actual 36 month period of XX/XX/XXXX. As a consumer it is extremely inequitable that the company gets all the benefits of their tax write offs and to basically do whatever they want while I am forced to claim this as additional income and pay taxes on it while still being expected to pay the debt and placed in a position to pay thousands of dollars extra for my mortgage loan and car loans and substantially effect every aspect of my life by continuing to report this on my credit. I have disputed this multiple times with the credit reporting agencies along with a copy of the XXXX and always get the same answer that the debt is " confirmed ''. And still every single month the amount of {$1800.00} is reported monthly as not paid driving my credit score down. It wasn't doing this until I filed a complaint with the credit agencies, now I feel almost like i'm being retaliated against for filing a complaint they are making sure my credit score goes down every month because of a derogatory payment report. These are unfair credit reporting practices that benefit the business at the extreme detriment of the consumer. Their issuance of the XXXX cancels the debt, that should have been the end of credit reporting.
Applied and approved for AAdvantage card from Citi in XX/XX/XXXX. We can see all of our miles on our statement as we earn them. However, when we logged in to use them in XX/XX/XXXX, our miles reflected XXXX. We contacted XXXX XXXX XXXX XXXX, who informed us the miles were posted to the incorrect account, and used. Only approx XXXX miles of the 45+k miles were unused ( which were transferred to our account in about a week ). The remaining miles we were informed that once they are used, even if we did not authorize them to be used by someone else, that we could NOT have them back. There were XXXX miles used on a booked, yet untraveled flight, which XXXX informed us they could give back to us if the flight was canceled and penalty fee paid. We were able to find out who used the miles. They did cancel the flight mid XX/XX/XXXX, and paid the penalty fee. The miles still have not been put in our account, and the other approx XXXX miles they say they can NOT give us. We contacted Citi bank, whom states they can not give them to us, as it is American whom issues the rewards. XXXX has given us XXXX as a courtesy, but we are still out several thousand miles, equating to several hundred dollars in flights. We also asked Citi if they would be willing to waive the annual fee due to the mistake, they refused. We have been working with both Citi and AA over multiple phone calls and complaints over about 2 months with no resolution in sight. It is not our fault that the miles were awarded to the incorrect account.
On or about XXXX XXXX, XXXX I contacted XXXX XXXX at Summit Financial to verbally advise that I was voluntarily surrendering the XXXX XXXX XXXX. XXXX XXXX stated that it was the holidays and that no one was available to pick the vehicle up. I advised XXXX XXXX I was able to take the vehicle back to XXXX XXXX, he told me that I was not able to do so. XXXX XXXX advised that a representative would contact me at the phone number provided to schedule a time to pick up the vehicle. I received no contact from said person, XXXX XXXX received a call on XXXX/XXXX/XXXX from a woman calling from XXXX stating that they were issuing an enforceable warrant for my arrest but did not say for what reason or why. I called on XXXX/XXXX/XXXX at XXXX XXXX and spoke with an individual named XXXX XXXX XXXX whom stated that she was from the enforceable warrant reporting/processing office. XXXX XXXX advised she saw in the notes that someone spoke with me stating I was voluntarily surrendering the vehicle but that they were headed to court this afternoon to place a warrant for my arrest for not surrendering the vehicle. I advised her that I had not received a call from anyone stating they were ready to get the vehicle and that I had no problem with them getting the vehicle. She advised that I leave the key in the vehicle and the car unlocked so someone was able to come get the vehicle as long as it was not in a gated community. I advised her that I was not comfortable with that, that I wanted to be there and receive something in writing stating that they have secured the vehicle. She stated that Summitt Financial is a large company and that I would receive something in the mail 10 days later stating that I could pay off the debt to retrieve the vehicle or advise me of the debt which was owed. I advised her that I was currently out of town but the vehicle was at the residence which was listed on contract. She stated that they had to obtain the key, I advised them to tow the vehicle. She threatened to have me arrested and a warrant issued. I advised her that what she was doing was against debt collection practices and that she had no right to tell anyone that a warrant was going to be issued nor should I be penalized nor threatened with a warrant because Summitt Financial failed to contact me to schedule a pick up time. I have the emails and I am able to obtain records of my phone log to prove that I have initiated contact with the company to secure the vehicle almost 30 days ago.
I filed immediate complaint w/ Discover Card about a VETRENARIAN VISIT advertising " free exam '' X/XX/2017 ( my pet ) never got physical exam, ( in my presence ) no call back on, XXXX XXXX results or diagonosis. nothing for over a month. ( my cat is male they said he was female, my cat is XXXX & has XXXX XXXX and they said he was n't like that when they saw him? ) Called/e-mailed this vendor, XXXX  XXXX XXXX MANY times. They said exam was done in the " back room '' where they took his blood? I filed a DISPUTE w/Discover Card # XXXX.Discover refunded me the $ ( {$88.00} ) at first then charged me back. The vendor sent them 7 pages of questionable /info on my cat.I NEVER SAW or GOT any of this from them, this is 2 months later ... The info they supplied Discover Card was wrong/lied, Discover Card is ignoring my Better Business Bureau complaint, the CA Vetrenarian Assoc. , complaint, numerous online complaints from others about this business and are taking sides w/ the BAD VENDOR .... XXXX does n't do this, they refund you bad vendor purchases w/ a string of complaints ... .I am NOT paying this bill ... .I still do n't know what is wrong w/y cat and DISCOVER CARD is USELESS in protecting consumers. pb
back in XXXX we were not aware of a credit card open in a frauduent name husband name for aspire credit card, we found out in XXXX when my XXXX husband was notified in mail by a summons for a judgement of XXXX then I started to let them know that it was not ours and we had no knowledge of any credit card. I received no response from midland funding debt collector. I called and they would not listen. in XXXX we get another summons by them but noticed it was taken out of collections so we had not idea it was in public record for XXXX we proceeded to try to settle with them but they wanted XXXX I offered XXXX then I offered XXXX but they wont settle, they know my husband is XXXX years old and XXXX and XXXX but midland funding just keeps sending summons in our mail box and I keep writing to them stating we are willing to pay for just to get it off but at this point I do n't want to pay I want to take them to court to get this off and tell our side of the situation. they are rude and lie and say they will draw up a contract of payment so I can review it and move forward, so I have disputed it with the XXXX and XXXX to vacate the public record and get it off we are still awaiting, midland funding is a 3 rd party debt collector being sued by a class action law suit I would like to see justice done with them. 
thank you. attached are letters I tried to offer.
In   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I received an alert from the my credit monitoring service stating that an inquiry was placed on credit files. The inquiry is a fraudulently inquiry via  XXXX  Bank as I did not apply for credit with this company. I called all  XXXX  credit bureaus to notify them of the fraudulent activity.  XXXX  and  XXXX  immediately removed the inquiry, but Equifax did not. Equifax told me to call   XXXX   XXXX   to have the inquiries removed. I called   XXXX   XXXX  . They stated that the would submit a request to the Equifax to have the inquiry removed, and to date, both inquiries are still being reporting on my Equifax credit file. I have called Equifax several times in regards to this matter and each time they tell me to call  XXXX . I called  XXXX  and they keep telling me that they have submitted the request several times to Equifax, but Equifax is still stating that they have not received anything and the inquires are still showing on my credit report. Please help
XX/XX/XXXX I went to www.equifaxsecurity2017.com website due to the breach. After putting my last 6 digits of SS # and last name Equifax confirmed that I have been breached and the next step was I am to get a email notification to get " TrustID Premier Identity theft protection. 
XX/XX/XXXX, I received my email notification and to click on the link https : //trusteidpremier ... ... and to follow the steps. The link was spinning it appears for 10 minutes and then finally gave up. I tried again and Equifax said that I already attempted and appears I am in system. I DO N'T have any idea what that means. 
XX/XX/XXXX at XXXX I call Equifax at XXXX CA time. Spoke with XXXX and he was completed disrespectful and yawning and even sneezed but did say excuse me. Nonetheless, XXXX after verifying my information and saying my SS # out loud which I believe no one should ever repeat you SS #. They should ask you to say it again yourself. XXXX said I will be getting another email notification and should work then. 
XX/XX/XXXX the new email notification arrived and I clicked on the link and the website said " Temporary out of Service ''. 

I am asking for your help and have Equifax be totally accountable for there lack of security an thus was hacked.
I pulled my credit report on XXXX as apart of a monthly monitoring service that I have to help clean my credit. I noticed XXXX medical collections accounts under Amcol Systems that I was unaware of. I called Amcol immediately on XXXX at approximately XXXX. I spoke with a rep named XXXX. Upon reading the disclosure and verifying my information, she stated an address for me that did not exist. The address that she had on file for me was XXXX XXXX XXXX, XXXX, NC XXXX. I expressed to her that is not my address and that address does not exist at all. She asked for my correct address and it was given to her. During the call I paid the entire amount that was owed because it was due. I expressed to her that these XXXX colletion accounts were showing on my credit unfairly because I NEVER received the letters or invoice that these amounts were due because they had the incorrect address on file. I asked if that these accounts be removed because they reported incorrectly and under false pretenses that I received the letters and neglected to pay for my debt. XXXX stated that she would need to speak with a supervisor in order to get that approved. She called me two days later and said that XXXX accounts would be removed from file. I asked about the other XXXX as I never received letters for those as well due to the incorrect address on file. She could not answer my question. I pulled my credit today and the accounts are still showing on my credit, however XXXX accounts have been updated to a XXXX balance and the other XXXX have not ALTHOUGH ALL XXXX accounts were paid in full on XXXX. I need help in rectifying this situation before I seek an attorney. I should not have to be bullied into paying for an attorney when the collection agency is not doing their part. After they verified that they had the incorrect address on file for me, they need to do what is right and that is update my credit report correctly and have these accounts removed since I never received correspondence. I did my due diligence and paid ALL accounts in full the same day that I found out about the accounts and that was a total of {$1400.00}. Please help me in this situation. many thanks
Over five years ago a physician spent 5 minutes diagnosing an XXXX in the XXXX, for which he charged {$5000.00}. The " analysis '' also proved to be incorrect -- a XXXX existed that he did not " find. '' When I disputed the amount and the result, he said that he spent a long time in school and deserved the outrageous charge, and denied the misdiagnosis despite the fact that subsequent XXXX resulted in XXXX and a prolonged recovery. The insurance company subsequently paid him several hundred dollars and he sent me a bill for the co-payment. The remainder of the {$5000.00} charge was likely written off as " bad debt '' on his tax return.
I received a card from XXXX on XX/XX/XXXX that I never applied for or approved. I called on XX/XX/XXXX to cancel the card and have the hard inquiry performed on my credit removed. I have yet to receive any confirmation that the card was cancelled or that my creidt score will be restored.
I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer THE XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : 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 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, XXXX, XXXX XXXX
United Auto Credit Corp. is making harassing calls to my job and other persons NOT on my list of persons to contact signed at contract lease.
In XXXX my husband and I bought our house. Our loan was through XXXX XXXX XXXX and our escrow payment was set to include enough for our homeowner 's insurance. XXXX XXXX XXXX paid those homeowner 's insurance bills for XXXX and XXXX. In XXXX XXXX our loan was sold to Carrington Mortgage, who also raised our payments. Our escrow was supposed to carry over and continue to accrue enough for homeowner 's insurance. I recently was in my account online and saw that it said we had no escrow for our homeowner 's insurance. Come to find out that, for whatever reason, this was not carried over like it should have been. Now I am faced with an almost XXXX dollar homeowner 's insurance bill that is due in a month that I was obviously unprepared for because I thought that my mortgage company would continue to put aside money in escrow for it.
Navient took over my student loan and never worked with me for a repayment plan. They attached so many fees that now, when I went to reenroll in school, I ca n't because their fees pushed me over the maximum allowed amount.
I was behind on payments and when I tried to make a paymeny arrangement, Navient refused to make an arrangement because it they said it had been too long and that the only thing I could do was pay in full to be up to date. Meanwhile, I have XXXX other loans that I have been paying. I still made minimum payments on the overdue XXXX, hoping they would work out a deal. I didnt even know that the loan had been transferred out to another agency and the payments I had been making did not apply to the loan and did n't transfer to the new agency.
A {$28.00} dollar part was supposedly shipped to my home. It was not received causing a 60 days late
Estate Information Services XXXX is a debt collector but makes it appear that they are assisting people with probate. They are not a law firm. They are in Ohio, my client who received a notice from them is in Texas. Nothing indicates they are attempting to collect a debt until you call them. This is outrageous and fraud. The letters they send say they can help you with probate, but the purpose is subterfuge to get information on the recipient 's decedent and on the executor.
I obtained a mortgage from U.S. Bank N.A in XXXX XXXX. I signed a Loan modification agreement with XXXX XXXX XXXX XXXX with the first date of lien on XXXX XXXX, XXXX and the modification of the mortgage effective XXXX XXXX, XXXX ; this document was signed by XXXX. I had to file for Chapter XXXX on XXXX/XXXX/XXXX with a release date on XXXX/XXXX/XXXX. My mortgage payments have been going to the servicer XXXX for U.S. Bank and I have asked to refinance or recast the balance. XXXX said they are not a bank and are not able to refinance the loan. I have written to U.S. Bank Corporate office to discuss the the aforementioned HAMP recast and other perks and have not heard back.
Recently noticed my American Express card interest rate was raised from 16.74 % way way way up to the max of 29.99 % without proper cause or notice.

I made several attempts to resolve this through AMEX chat portal but it seems AMEX CHAT is being used to stall my attempts at a resolution and to wear me down by continually providing irrelevant answers and by continually passing me unto different departments who claim unable to answer, then to different representatives who claim unable to answer a direct question. 

Note : I am already warned down, my wife has very serious health issues, besides XXXX XXXX, XXXX, she is now on XXXX. Which is very draining on both of us. I am XXXXyrs. old and her primary care-taker. I am not sure if anyone understands how overwhelming and exhausting it is to care for someone in my wifes condition. 

For example : she literally has over 15 different medications to take every day. Some must be altered daily. As a result of all these meds & her medical condition, Her memory is not good. Therefore, her medication intake must be monitored. 

Another example : The medical professions routinely make mistakes. Just last week while my wife had a dangerous XXXX XXXX  while getting her XXXX   treatment. I had to scramble immediately to save her life. A nurse FORGOT to administer her required XXXX XXXX. 

When I asked AMEX if a notice was sent to me concerning the increase, AMEX responds that it was. However I have no notice in my emails, in AMEX messaging center or via mail that properly describes the action AMEX had taken.

Also AMEX claims my interest rate was raised in XXXX because a payment in XX/XX/XXXX LATE PAYMENT WARNING : If we do not receive your Minimum Payment Due by the Payment Due Date of XX/XX/XXXX, you may have to pay a late fee of up to {$38.00} and your APRs may be increased to the Penalty APR of 29.99 %. 

If that is true, Why wait until XXXX? 

Yet, A payment was made to AMEX on XX/XX/XXXX for {$500.00} Also the above note is NOT proper notification, it is a warning of actions that may or may not be taken. 

I do not believe this was a simple error, the computer programs today are far too advanced for this to be an error. Most people with the proper insight know this. SO please do not allow them to try passing this off as an error!
Regarding the following : XXXX XXXX XXXX XXXX XXXX TAX ID is XXXX I have made multiple calls and request since XXXX of 2018, and each time I've been told by a XXXX XXXX CSR that they will send me a report but yet to receive it. 

This is an ongoing issue with XXXX XXXX and they have don't respond or ignoring my request. Federal Law requires that they should provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided them with additional documents and information shows differently. Therefore if the reported items are inaccurate, misleading or incomplete ; XXXX XXXX may have violated the Federal Law. 

Also, I requested this investigation on XX/XX/2018 and now it is almost 6 months with no concern or proper respond. Please investigate this inaccuracies and delete the incorrect reporting from my company 's record.
On XX/XX/XXXX, I received a voice message from XXXX XXXX, who notified me about legal action will be taken against me. She threatened to visit my home on XXXX to obtain my signature on her paperwork. XXXX XXXX did not indicate which agency she is representing, but she left a phone # XXXX & reference # XXXX to follow up ; I called the number, spoke to XXXX XXXX of XXXX XXXX ; he retrieved my file, advised me that I applied for loan dated for XXXX XXXX, XXXX ; he threatened that legal action will be taken against me ; he asked if I was in the position to pay the account ; if so, he might be able to stop the legal action ; I verbally did not acknowledge the debt ; I told him that documents need to be sent to me for review ; I do not call this loan, I have not received any notifications about this loan until now. I am alarmed and harassed. I believe this is a scheme to access my personal information from strangers