WillisBack/dataset-financial-user-claim huggingface dataset:
I personally contacted all three credit bureaus ( XXXX, XXXX  AND EXPERIAN ) starting in XX/XX/2018 regarding lots of excesive inquiries by auto dealerships and other collection accounts. I demanded by phone and in writing that all inquireries not associated with an active account be deleted/removed immediately from my report. I was told by each bureau that that would conduct their investigation and I would receive an updated report afterwards within 30 days. 

I received the reports in XX/XX/XXXX and XX/XX/2018, however no inquireries were deleted/removed from my report by all three bureaus. Their findings were for " permissible purposes by the creditors :. 

I called each month for four months and only Experian  has deleted inquireries and inaccuate account information from my file. While XXXX and XXXX insist that their reports are accurate and constantly direct me to call the creditors or provide them with " WRITTEN AUTHORIZATION '' in order to remove/delete inquireries. I mailed written demands to all three credit bureaus. ( see attached ) Please find my fair warning notice and request for deletinon/removal of all negative information from my accounts. 

XXXX XXXX XX/XX/2018 XXXX Certified Mail Return Receipt # s : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was unable to pay my loans secondary to financial hardship. So every time I would call navient the first thing they told me was to forebear my loans. I was never informed that interest unpaid would be capitalized. I have been paying on my loans for 3 years now and yet my balance is higher then what it was when i graduated college. It is very misleading information when talking to representatives. They always tell you, if you cant make a payment to just file a forebearance and make the payments in a couple months when you have the money. What they dont tell you is that the interest you dont pay capitalizes and you end up paying 10x more the money in the long term. Navient has never offered me any other option into repaying my student loans. The least they could of told me was that i should still make some type of payment contributed to my loans.
In  XXXX    XXXX  , I had a {$.00} credit on my Victoria Secret bill.   On  XXXX , I made a {$8.00} purchase, I therefore believed my balance to be {$8.00}.   On  XXXX , I paid {$8.00} because that was the balance on my account when I had called.   I did not remember that a {$.00} charge for Assure insurance was being billed to me on  XXXX . So when I paid my bill on  XXXX , I was {$.00} short.   The next bill arrived and I was charged a {$8.00} late fee for failing to pay {$.00}.   I called to complain that I was not late with payment because payment was not due until  XXXX . I did make a payment before the due date.
I WAS A VICTIM OF IDENTITY THEFT. WHEN I FOUND OUT ABOUT THE IDENTITY THEFT, SOMEONE HAD USED MY PERSONAL INFORMATION TO OBTAIN CREDIT AND UNSECURED LOANS. I HAVE FILED A POLICE REPORT AND FTC REPORT WHICH WAS SENT TO ORIGINAL CREDITOR ( XXXX XXXX ) AND ALL 3 MAJOR CREDIT REPORTING AGENCIES. XXXX AND XXXX HAVE BOTH REMOVED ALL ACCOUNTS WHICH WAS OPENED BY IDENTITY THEFT PERSON. I HAVE SUBMITTED 3 DIFFERENT DISPUTED WITH EQUIFAX WITH NO RESOLUTION. I AM IN PROCESS OF REFINANCING MY HOME WHICH I AM NOT ABLE TO QUALIFY DUE TO EQUIFAX IGNORING MY DISPUTES. THIS HAS PUT ME IN A VERY BAD POSITION AND HAS CAUSED ME MENTAL ANXIETY AND LOSS OF INCOME BECAUSE I AM NOT ABLE TO COMPLETE MY REFINANCE.
I opened a XXXX XXXX XXXX close to 10 years ago. I have been using my card diligently including becoming one of their best customers in the Luxe card category. I have been making payments as required by the card agreement including making extra payments. I recently updated the details for one my accounts that I use for payment. However when I proceed to check out my payment, the system defaults to the old account that I no longer use. It has happened twice in XXXX and last week XXXX XXXX XXXX. The payments am attempting to make are not the required monthly minimums but rather extra payments. The card has always been paid on time, with no missed or late payment for 9 years. Unfortunately yesterday when I attempted to use the card the transaction was declined. I made an effort to contact Synchrony bank the card issuer and was told my account was closed due to returned payments on two occasions. I requested that they review my account, payment record/history, duration the account has been in service and other information on my credit file. However one the managers XXXX XXXX declined my request. I have been a card holder for the last 10 years and I find this business practice punishes a cohort of those customers that otherwise are up to date with no missed payments or late payments and yet the bank is not amenable to reviewing these supervenient circumstances, a core to good customer relations.
My complaint is in reference to the Independent Foreclosure Review paying agent - GMAC Mortgage. My mortgage had been through GMAC Mortgage but they forced me out of our house after calling it home for XXXX years. Apparently, my ex-husband wrote to the Independent Foreclosure Review and asked that the payment be " split '', so they cut him a check for 50 % of the payout. XXXX XXXX tells me they have no checks or procedures to confirm the legitimacy of the request ( XXXX XXXX, so they simply do as they 're directed - by WHOMEVER gives them direction - in this case, my ex-husband who was looking to be wrongly compensated on a property he 's had NO LEGAL rights to since vacating the property in XXXX. He has NO LEGAL RIGHT whatsoever to receive anything from the property. It was written in our Divorce Decree that the divorce documentation would serve as legal documentation should he fail to sign a quit claim deed XXXX anticipating his lack of cooperation even back then XXXX. I paid to have all documentation notorized and recorded with the XXXX XXXX XXXX office. 

I have contacted GMAC Mortgage XXXX who thinks I still live at the property in question ), and they will take absolutely no ownership of the foreclosure payout. I have spent months trying to get this resolved through GMAC, XXXX XXXX and even the Attorney General 's office. Since the Attorney General 's office notified me that they can not be of any help, I have tried the Office of the Comptroller of Currency, the Federal Trade Commission and now, I am trying to resolve the issue through your office. I submitted a claim ( initially ) against the Independent Foreclosure Review, but after a week XXXX, I was notified that a claim can not be filed against them ( would have been helpful to have been told this while speaking by phone with a CFPB representative XXXX. No one claims to have the knowledge or ability to resolve the situation and correct the payout, paying me what is due me. 

I am attaching the divorce documentation I am referencing as well as a copy of the letter sent on behalf of the Independent Foreclosure Review - by XXXX the Paying Agent. 

GMAC should have provided correct, up-to-date payout information to the IFR and XXXX XXXX, XXXX Their record-keeping is and was so poor, they failed to note that my ex-husband had NO LEGAL RIGHTS to the property as of 1999. When I tried to resolve this issue through them, they showed I still resided at the property they foreclosed on. They should be held accountable for wrongly processing my foreclosure and additionally, wrongfully paying someone that should not have been paid.
I have been a customer with XXXX credit cards for over 4 years and opened XXXX XXXX XXXX in XXXX XXXX. All of a sudden in XXXX XXXX they closed my account saying " Your history of account usage '' and no other details. They advertise the reward points equal to XXXX cent towards travel charges and another 5 % back making each point worth XXXX cents. I have been saving up points towards my winter vacation. As of the closure I had XXXX points which equal to {$1400.00}. 
But they credited only {$710.00} at the rate of XXXX cents per point. 
So they owe me back {$780.00} They can not take my money away by closing the account abruptly at their discretion. I do not mind them closing the account and I can take my business to somewhere more honest and respectable. I want the money that I deserve.
These 2 hard inquires were made with out my permission and I want them removed from the credit reporting agency. 

Equifax XX/XX/17 XXXX XXXX - XXXX Equifax XX/XX/17 XXXX XXXX XXXX
I went online last summer around XXXX to look into a short term loan. I submitted a former that I guess connects you with multiple lenders. In the end I ended up with a payday loan from a company called XXXX. I guess now it 's called Big Picture Loans. Well from the moment they deposited XXXX into my account I started getting multiple calls from other companies trying to deposit money and XXXX calling you collect way more than the MN law states is legal. Than I find out this company based XXXX per online but they list MI HOWEVER not legal in WA per Department Of Financial Institutions. This is XXXX XXXX XXXX and they are not licensed XXXX. I read how they continue to debit your account towards fees only nothing to principle and the rates are beyond belief. As soon as I started getting scam calls after the deposit from people with accents saying I 'm going to jail for bank fraud check fraud etc I got scared I called my bank immediately and canceled this unknown tribal company from access. I have called XXXX who is now Big Picture Loans to obtain a way to mail what i borrow plus the fee that I found through research that in MN online loans can charge a maximum of 33 % I found so with what I loaned XXXX I felt I owed XXXX each time I call it am asked for every piece of my personal info dob, ssn. Address drivers license #, etc I am pursuing on hold and issue is never resolved. I am now being harassed by another company a debt collection company who state they are hired by XXXX XXXX in XXXX demanding I pay {$3800.00} or I 'll be charged with check fraud amount many other charges. This company is called XXXX XXXX out of XXXX XXXX. I asked for a validation of debt as I want to pay the legal amount I owe. But they refused continue to threaten with legal charges unless I give my card #. I asked for some proof this is legit they would only give me a generic email setting up XXXX payments of like {$290.00} and no address of the debtor just a generic " castlepay '' memo. I asked if I were to call Big Picture Loan would they know you 're the collection company handling this and they said no they would n't. So after I was scared about these so called legal charges I gave my XXXX XXXX card # but before signing some email they sent I ended the call. Called my bank to cancel my debt card realizing it 's a scam but they scared me enough to almost agree to there insane demand. I once again called big picture loan they were not associated with trademark as I suspected but again I was back to square XXXX. No one was willing to help and they wanted all my personal info again. I have also gotten emails from random places about fraud charges arrest warrants. I 'm loosing sleep, I 'm nervous, I Feel my information was given out I get calls.and emails weekly thanking for applying for payday loans I did n't apply for. I truly just want this to end I want to pay what I loaned to the right company and the legal amount of fees by XXXX laws. 
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After Experian mailed me my results of deleting XXXX accounts from my credit report 3 days ago, I received today notice from Experian that they were going to reinsert the XXXX accounts back because Experian claimed I said I claimed fraud in regards to the XXXX accounts.Their claim is inaccurate because : 1 ) Reference XXXX complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 

2 ) I also found out that Experian placed a fraud alert on my account yesterday without my expressed written permission. 

3 ) Experian most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 

4 ) When I logged in to find who was my servicer of my loan, it was not XXXX. It was XXXX, who is the US  Department of Education 's   default resolution group. 

5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently. 

6 ) I disputed fraud on a different account I located on my Experian report. But the dispute was submitted on XX/XX/XXXX. So the re-insertion letter was not about the account I submitted a dispute for on XX/XX/XXXX because the investigation has barely begun and its too early in it to make a decision. 

Please see the attachments ( One of the screenshots is a sample of what is being reported across all of the loans ). I certify that the claims listed are true to the best of my ability.
Experian investigated the following listing, XXXX XXXX XXXX VA XXXX XXXX ..., on my credit report. 

Upon completion of their investigation, they deleted the referenced item. 

I was notified of the investigation and subsequent deletion. 

XXXX continues to list the item, XXXX XXXXXXXX XXXX VA XXXX XXXX ..., claiming the information is still being reported and/or provided to them by Experian.
Send debt validation letters to Trans-union. Upon receipt of documents they mention investigating the matter. 
However once the investigating was over they never validation from the creditor side the necessary documentation to the consumer. 
The creditor never provided to me ( the consumer ) all account information. 

By failing to do so, I caused me great injury to my personal credit.
I do n't have a clue who this account belongs to and why the heck it 's on my credit report. Please do n't use your bogus tactics purchasing accounts and placing them on my credit, your seriously breaking the law right here. I am challenging you to show me proof of the verification process. You must report 100 % accurate verifiable information.You are clearly violating the law in this case according to The Fair Credit Reporting Act. 609 requires proper verification according to established case law involving the credit bureaus so there you have please remove this account within 24 hours or I will go down to the court house and file a case on you real fast. I do n't play no games with my credit. It better be off my credit by XXXX XXXX, 2017 Wednesday to avoid court fees and civil case. 

1. XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
On XX/XX/XXXX I called JCPenney card services spoke to a male rep because I received a letter on XX/XX/XXXX stating that they lowered my credit card balance. I asked them why and they stated they did a soft inquiry on my credit report and because of other factors they lowered my amount on my credit card from XXXX to XXXX  which made my utilization rate at 99 %. I told him you are not helping my score you are hurting my score. I also did not know that they could do a soft inquiry without my permission. I informed the rep that I was unhappy about this and I would like my amount usage to go back to XXXX. He stated to me that they would have to do a hard inquiry to do so. I told him that is not right and told him to close it. The rep told me that he had to first read me some disclosures and if I agree then he would close it. He read the disclosures and I hung up. I never called back and neither did the rep call me back. I get a letter on XX/XX/XXXXstating that they have closed my account. I called on XX/XX/XXXX and ended up speaking to XXXX a manager and he told me that it doesn't matter that I never gave the rep on tuesday the verbal authorization to close the account. By me stating before he read the disclosures to me that I wanted to close the account and I just hung up afterwards and did not give him an answer that says to them that I wanted to close. I then asked XXXX the manager about their policy on disclosures and he agreed that all customers have to give a verbal statement of yes or no. So again I asked how could they close my account and he stated that its what I said before the disclosures were read. I told him that I am not happy and I will not pay another penny until they rectify my account because I don't care what was said before disclosures. If you read disclosures and you don't have my verbal or hand written statement my account should not have been closed.
I have a mortgage ( original Charter One Bank ) now serviced by Citizens One XXXX. The loan is a XXXX ARM with an interest rate of 2.500 %. About a year ago Citizens One contacted me and asked why I was making payments on the XXXX day of each month instead of earlier. The terms of the note provide no late charge if paid by the XXXX day of month. I complained that this was sort of like harassment - but changed the monthly payments to XXXX to not hear about this again. A few days ago I received a mortgage statement showing an " overdue Payment '' of {$980.00}. The statement is dated XXXX XXXX, 2017 and does not include any late charge. This seems like a wrongful attempt to obtain payments before the agreed due date. If this is systematic I hope CFPB can investigate and demand they stop.
I tried to purchase my Equifax credit report from www.equifax.com. My  order failed and I called their customer team. They advised they are unable to locate my credit file on their database. Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax custoemr service are unable to locate my file based on true and accurate information provided on my part. 

This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. 

Thank you.
I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX., XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.
I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too.

I have called XXXX and they initiated an inquiry with XXXX   XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX  XXXX  's " HARD '' hit on my account.

I called XXXX   XXXX  and XXXX  told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''.

I called XXXX ( XXXX  ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account.

I have not talked to EXPERIAN nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached EXPERIAN and XXXX  's sections of my credit reports showing the " HARD '' hit on my credit report.

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
Complainant : XXXX XXXX / owner of the House Located at XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX, I live in this house for 25 years, never late or missed any payment with the Company GMAC, During the melt down my house went down in price from {$410000.00} to {$100000.00}, the house received an offered of {$140000.00} but the Bank wanted {$150000.00} no deal from the part of the Bank realtor was still on and no sale came up. The Bank foreclosed with a judgement using unpredictable, questionable and unfair actions. They never gave me the option to modify my payment and never gave me the option for fair mediation or work out program. GMAC is a failed bank, I understand that they went bankrupt and are no longer in business since 2009 however they supposedly sold my property and recovered XXXX dollars from it. How is this possible? Continuation : The Bank hired a Real Estate Company and this Real Estate Company broke in to the house change locks but never took care of the property becoming a problem for the neighborhood after a year then because of the conditions. I have no choice to take the Property back and I had invested in repairs over {$11000.00} to make have way livable but still an about the estimated about {$30000.00} to be done with all the repairs. Estimates ready.
In XX/XX/XXXX XXXX XXXX applied for a student loan with Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX in XXXX, NJ. She started school, continued her education at the XXXX location, and then began her XXXX houXXXX XXXX program in XXXX, NY, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the same time paying her monthly payment of {$25.00} per month to Sallie Mae. In XX/XX/XXXX, she consolidated her loan with XXXX XXXX, the amount of the loan is for {$20000.00} for a 15 year loan. She began her XXXX XXXX payments XXXX XXXX. She completed her education and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX notified Sallie Mae of their closing XXXX XXXX, XXXX. XXXX was not notified. Sallie Mae disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, New York location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both Sallie Mae and NJ Department of Education that the XXXX school was not a Title IV school. The XXXX XXXX loan was consolidated in XXXX XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX  XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX license. Both XXXX of XXXX XXXX XXXX and Sallie Mae proceeded with a loan that was fraudulent. Sallie Mae did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career. What would be a fair resolution to this issue? The only resolution would be for the loan to be forgiven and XXXX receive back all her prior payments to a school which was paid by Sallie Mae but that she did not attend.