WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute with Equifax on behalf of number of inquires that have appeared on my credit report, I have sent out dispute to the company 's as listed and some have came back as not deliverable, Equifax responded with verified but didn't disclose how or what was used to verified with, confirmation # XXXX under 15 us code ss 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to  whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to  review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the  consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and
I disputed inaccurate accounts on my credit report with XXXX, TransUnion XXXX After the 30 day dispute I received an reponse to the credit dispute I ask for XXXX XXXX TransUnion to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..
I am a victim of inquiry issue. 

XXXX : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I AM NOT SURE WHAT THESE INQUIRIES ARE FOR, BUT I DID NOT GIVE THEM PERMISSION TO CHECK MY CREDIT OR GIVE ME AN INQUIRY. I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. I CALLED XXXX  / EQUIFAX CUSTOMER SERVICE AND TOLD THEM ABOUT MY SITUATION BUT THEY DID NOT WANT TO HELP ME OUT AND DID NOT WANT TO TAKE CARE OF THE NEGATIVE INQUIRIES ON MY CREDIT REPORT
I disputed the lates that were on my credit report from all the bureaus Equifax, XXXX   and XXXX. All three have not removed the late from XXXX XXXX after being provided proof.
XXXX XXXX has called me after I asked them not to contact me. In addition to this, they are telling me that I owe WAY more than I actually do. <P/>I owed a gym {$1800.00}. XXXX kept contacting me, so I got in contact with the gym and they said that they had never heard of XXXX. <P/>Now they put a mark on my credit report saying that I owe over {$4000.00}. This is incorrect.
XXXX XXXX XXXX is the lender, XXXX. XXXX XXXX XXXX, TX XXXX, is a preparatory lender and taking advantage me. My car was destroyed during XXXX XXXX and my insurance paid the lender the value of the car. The car was a XXXX XXXX XXXX, I paid the lender approximately {$21000.00} in payments, the insurance company paid the lender {$7600.00} for the vehicle for a total of approximately {$29000.00} for a used car which the original loan amount was {$25000.00} and the value approximately {$17000.00}. The lender states that I still owe {$12000.00}. The total payments for this vehicle would amount to approximately {$41000.00}, over {$18000.00} in interest. This is predatory. See attached payment schedule and pay quote.
1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I  closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used. 2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.
I contacted Kohl 's Store AKA Capital One in reference to ID Theft and TWO separate accounts opened in my name and charged causing me financial loss. 

Kohl 's fraud dept supervisor XXXX ID # XXXX refused to provide her last name, REFUSED TO acknowledged that TWO accounts even existed nor would she provide data on them to me. 

ATTACHED are two documents showing TWO separate accounts where opened that Kohl 's refused to admit to where opened, or shut them down when I notified them my identity had been stolen. She also told me Kohl 's did not want the merchandise and that it was to be donated. 

Kohl 's stated as a victim, they could not discuss the issue with me, that they where prevented by federal law from discussing it ( even though they could not site any specific law stating such ) AND refused to state what items where bought, where they were shipped, and if there where any other activity. 

Per the IdentityTheft.gov website my rights as victim where violated as stated below : Know Your Rights Heres an overview of your rights when recovering from identity theft. If someone is using your information to open new accounts or make purchases, report it and get help. 

" If someone steals your identity, you have the right to : create an FTC Identity Theft Report **place a 90-day initial fraud alert on your credit report **place a seven-year extended fraud alert on your credit report ** get free copies of your credit report get fraudulent information removed ( or " blocked '' ) from your credit report dispute fraudulent or inaccurate information on your credit report stop creditors and debt collectors from reporting fraudulent accounts ***get copies of documents related to the identity theft stop a debt collector from contacting you. '' Kohl 's refused to describe or give me documents relating to the ID Theft as required. 

In addition, all THREE credit bureaus refused to provide free credit reports, give 90 day fraud alerts or place seven year fraud alerts because they charge victims for each.
I had some fraudulent items going thru XXXX I called and I advised that I wanted my accounts to be on hold due to old buisness partner was trying to harm me, I called for some checks but I advised that all I wanted was to advised it was not me and I do n't want any refund at all, my account got frozen due that call, meanwhile my wife and I went to bank branch where most of the staff knows us due to our loyal and good reputation they called and semi reopened the account but XXXX of the bank associates thru that fiasco was making phone calls and re opening cases which we had no knowledge the extend that she was doing. Long story short my XXXX got closed and now chase is being closed my assumption for that reason. I never wanted anything besides protection and now I 'm going Thru hard time with my accounts closing when I never did anything wrong, I trusted the bank Personall that they where doing the correct protocol but it seems that they harmed me instead of helping
I had a checking account with Bank of the West. Because I no longer live in a state they serve, I wanted to close my account. They told me the only way I could do that was by mail. I sent a letter, overnight via XXXX requesting they close the account. A few days later I received a cashiers check in the mail for the remaining balance. So far so good. However, I kept receiving forms in the mail informing me of overdrafts to the account. I do not know why, but apparently an old utility account ( XXXX ) was attempting to draw from the account. All utilities accounts which used to draw from the account were closed before I closed the checking account. When I spoke to the bank to explain the situation, I asked them to reverse the charges and clear my account. They were uncooperative and threatened to turn me over to collections. They said it should have been disclosed to me that there was a five day window. I was never told this. I was hoping they would come to their senses, but this afternoon, I received a call from a collector. The most striking thing to me about this situation is that the overdrafts were caused by Bank of the West writing me a cashiers check too early!
My mortgage was sold from XXXX to XXXX Loan Servicing. I called twice this month when my normal payment was not deducted from my checking account. They said they are working on getting the change over completed and I would get a " welcome package '' I did not receive any further information until yesterday when they left me a voice mail telling me to make a payment. Now they want a {$10.00} late fee. XXXX has a phone number that is not answered by humans XXXX or XXXX. 
I do not know these people. They seem disorganized, poorly managed, and I believe fraudulently collecting additional fees and damaging our credit. This is not what I expect from a company that specializes in loan processing. 
Can you do anything with these people?
I recieved an email on XX/XX/2019 claiming that my account was overdrawn which is was not the balance was {$2.00} i know thats not alot of money but when your on SSD and check is about to be deposited funds are low. anyway I called the number on my screen that it gave me when I tried to access my account. The woman on the phone was rude and refused to tell me why all she kept saying was for privacy reasons we can not discuss why your account is restricted which means I have no access to my money. as for my social security check they are refusing me access to it for at least two business days which makes it tuesday XX/XX/XXXX! i dont understand why if they are gon na be closing my account why they are denying me access to my money!!!! I live off of my ssd check I pay my rent and oother bills with it there has to be laws or rules against it so now due to chase bank doing this I have gone into severe XXXX with XXXX  XXXX because due to chase holding my money for no reason I may not have a car nor place to stay!!!!!! Its my money not theres!!!! The women at the loss prevention for chase are rude and extremely disrespectful to there customers~~!!! I DO NOT OWE CHASE ANY FEES NOTHING MY ACCOUNT WAS NOT NEGATIVE!!!!
I have a lot of unauthorized inquiries on my credit report and I disputed them to all 3 credit bureaus and they havent done one thing but took XXXX points off my credit scores XXXX they need to be handled for this and didnt enclosed why my scores were dropped thanks XXXX XXXX XXXX I am trying to buy a home and theyre te check my credit scores before I sign the loan and my credit scores need to be fixed back before this transaction happens again please help me before this transaction go back through
We voluntarily gave back a car we were financing back in    2015. O nce we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with  XXXX   XXXX  and the agreement we signed says it will be updated on the credit report as satisfied paid and   XXXX   balance . ( l etter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Sinc e   XX    2015 we ha ve been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from  XXXX   XXXX   XXXX  said she already reported it to the credit company as " paid with {$0.00} balance ''. F or 2 1/2 y ears now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with  XXXX  and  XXXX   XXXX . I feel it was against the law the way it has been reporting on our reports for the last  2 1/2 y ears and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from  XXXX  that she will report it as paid satisfied with a  XXXX  balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from  XXXX   XXXX .
calls started XXXX/XXXX/2015 from XXXX XXXX from XXXX XXXX and XXXX saying I owed a debt from XXXX and that I never paid this and he was going to file criminal charges for check fraud because I took money from the company with no intent of paying it back I had a payment arrangement with XXXX that I made a payment on he called my work number XXXX gave him my cell and he left a message XXXX/XXXX/2015 saying since I do n't want to take care of my responsibilities he was going to file said charges I spoke with him several times and acknowledge my debt he likes to hang up on people I eventually that same day spoke with someone and made a arrangement of XXXX every 2 weeks I asked him if I could do XXXX something every week instead he said yes as long it was the same amount of money with in the same amount of time so after the first payment XXXX/XXXX/2015 of XXXX I called and asked if I could go to the every week payment and I was told no then hung up on I called again and was told yes he was changing it now so on XXXX/XXXX/15 the XXXX was pulled again so I called XXXX/XXXX/2015 to talk to him they do n't know who he is they say I am combative and I only talked to XXXX XXXX which was incorrect and say that I can not dictate them how to do there jobs when I clearly said it would be the same amount of money they can not under stand they are rude and do n't understand that I am owning up to the debt or I would not have made arrangements to pay at all I ask them for documentation and they can not or refuse to show me anything also I am not going to be harassed and threatened over XXXX
I applied for a pre-approval with Security National Mortgage Company and was told that I was approved, but the mortgage broker did not want to give a set amount so that I would not go too the higher end of the approved amount. I picked a home, put an earnest deposit and followed all instructions. 3 months in and no closing has been done, I 've been told I can not get my deposit or inspection money back and am now being told that in order to be approved, I have to sell my current residence. I never received a pre-approval letter from the lender or broker and now the selling agent has informed me that the pre-approval letter he received was forged and not valid. The mortgage broker I was working with was offered to do a mock sale, " XXXX XXXX '' sale in his words, in order to pre-approve me and at XXXX point asked for my daughter 's social security number to make it seem as if we were selling the house to her. He would avoid my calls and eventually I was told he no longer worked for the company. I called the bank yesterday to file a complaint and was told I had the wrong number. I clarified who I was calling for and my reasoning, then was told that an investigation was going to be done and that I would receive a call back. Within 5-10 minutes of hanging up, I received a call back from the original broker, XXXX, asking why I had filed a report and that the money should be returned by the seller. He said he would call the seller 's agent and hung up. I then contacted the seller 's agent, XXXX, and he verified that he has not ( yesterday nor today ) received a call from Security National or from XXXX in regards to this situation. I 'm losing out on money because this company did not do their job correctly and did not provide due diligence either.
XXXX XXXX Amount {$240.00} Opened XX/XX/XXXX Original creditor -XXXX XXXX Midland keeps trying to collect debt that was discharged in bankruptcy. They purached a junk debt, they have reaged the debt and refuse to review papers showing debt was discharged in XX/XX/XXXX. They are causing me financial hardship
Capital accounts reported negative information on my credit report, despite the fact that I have never had any business with them, and they have failed to provide a copy of a contract signed by me or a judgment against me to validate this alleged debt.
I called transunion XXXX XXXX, 2017 and spoke with a representative. I received a letter earlier this year about a security breach I did n't think anything of it until all of these inquiries started popping up on my credit report. The representative stated that they would not be able to assist me as I will need to wait the 2 year period for them to fall off. I have not applied for any form of credit and should not be held accountable for things like this
On XXXX XXXX, XXXX my son, XXXX XXXX XXXX used my JP Morgan Chase debit card to put his share of the rent, utilities, cable, telephone, and insurance for XXXX into my account through the ATM. We do things this way because I am XXXX XXXX XXXX and it is very hard on me to get dressed, go to XXXX to get his monies, then go to Chase and make a deposit into my account. This rule against others putting money into your account is very hard for those of us who are older, in bad health, and have XXXX issues! Anyway he got distracted by this woman ( My son is on Social Security XXXX due to XXXX problems, XXXX jobs since he was XXXX XXXX XXXX. ) and did n't come home as he usually does. This woman, XXXX XXXX XXXX got my Chase debit card from him and used it to take {$420.00} out of my checking account. Chase at first put the money back, then took it out again because their policy is that any chiped card transaction is the fault of the card holder and they will not do any investigations period. 
I never met this woman and I certainly never gave her permission to access my monies. Nethier did my son. This bank is treating me like I am a criminal, not a victim. 

JP Morgan Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Routing Number : XXXX Account Number : XXXX If you can help me get my money back I would be very grateful. This is causing me much emotional distress. I do n't have much of anything anymore and I am in costant pain. 

Thank you. 
Sincerely, XXXX XXXX XXXX
Hello I have call Transunion and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the TransUnion and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done, so I have no choice but to put in a complaint the companies I am disputing are : 1.XXXX 2 XXXX 3 XXXX
XX/XX/XXXX wellsfargo been colecting data for modification for my mortgage.having me resend documents since that time. now they denied me because they said i make XXXX dollars ma month. however they have a statement from social security that that not sustain employement i work 24 hrs a week. when there is five week in the month like this XXXX i do not have a check i have sent them my bills from this month for repair of the home plumbing water damnge ; roof which added up to a additional XXXX a month.please do not have them call me until they check everything out. because what they do is call me and ask me when did i send this information to them and i will have to talk to asaleman for and hour for them to find out its the truth. i want them to get of they XXXX DO THE RESEARCH BEFORE THEY CALLME THE SOCIAL SECURITY AND EVERYTHING THEY HAVE ALL THE INFORMATION THEY NEED. they have receipts for over 4.000 dollars i had to spend fromXX/XX/XXXX through XX/XX/XXXX what  they did was add up social security checks that i want receive sometime but most of the time and my 24hr a week wich social security says not sustain income remember i writing you because they will call and i have to stay on the phone for1hr while they look and say they dont see that info then finally say oh i see it now. so before they call with they salemanship look before you call i am XXXXyrs old and i honestly have never seen company this bad there is no customer service. also i waiting on when they are going to put mortgage in my name for credit purposed. thats it foks
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them.