WillisBack/dataset-financial-user-claim huggingface dataset:
All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. XXXX, for example,  shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.
This complaint is against Transunion and XXXX credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my Transunion and XXXX credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX XXXX, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on my credit report.
I went to purchase a product for {$6700.00}. I went through bank of America after putting a {$1000.00} down with another credit card. I took the title to XXXX in XXXX, MD. XXXX said they are very aware of this company but this is not the company that sent me the title. I called the company so I can go and pick up the trailer. I can not haul the trailer until I have it registered and start my business. However, the person who gave me the title have no right to give me the title for this. I have the title but no product. Bank of america told me the company have 10 business days before giving me a temporary credit. I called Thursday XX/XX/XXXX. BOA said they are giving the company until Saturday XX/XX/XXXX. I called and was told the pet in BOA is closed that day. The rep said he is not sure why they told me that but he also saw it in the notes that they told me that. He told me to call BOA Monday because they are going to give the company until over the weekend to respond. I call Monday morning. Was told by a supervisor that all XXXX reps lied and did not tell me the correct information. I have to wait 45 days for them to investigate it. They said they would grant me a temp credit at first now they will not. They have not done anything with this investigation because I believe BOA know this company is a fraud. XXXX is also doing a investigation on this company. I purchased this through BOA thinking that my money was safe. I will be sure to remove all my money from BOA after this because I now see that they can not be trusted. I am a single mother who saved up for this business through what I thought was a trusted bank and this bank is not to be trusted
Equifax violation FCRA 611 ( a ) ( 5 ) ( B ) The legal restriction against the reinsertion or previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ) the law state that I must be notify within 5 business days of reinsertion of deleted information into my consumer file. there were no CRA notification provide before reinsertion as to the law. the same item reported twice on my consumer file two different date same item by XXXX I ask that the information be remove from my consumer file.
XXXX is reporting erroneous on my credit reportsequifax and XXXX. XXXX states that I have a account and pass due8 months. the service address is XXXX XXXX XXXX XXXX XXXX, ny XXXXthis is not my account, i have never lived thereand I want it removedi have lived at XXXX XXXX XXXX, ny XXXX for the past 20 years ...
On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9.XXXX XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.
The company name is Capital One : I inquired on XX/XX/XXXX as to the reason my account was overdrawn, I saw a membership fee of {$39.00} & a interest accessment of {$9.00}. This caused my account to be over drawn by {$22.00}, I called the office on the date above and the representative informed me that because they valued me as a customer that the interest fees and membership fee would be reversed by close of business on Monday the XX/XX/XXXX, I waited until Tuesday the XX/XX/XXXX and noticed that the charges were still there. I called in and spoke to XXXX XXXX ID # XXXX, she stated that she could not reverse charges even thought I was told that they would be, I requested to speak with a supervisor, I got XXXX XXXX ID # XXXX who identified herself as a supervisor. She stated that she would resolve the issue and said she was sorry for the inconvenience, after waiting on the phone for over 45minutes, she stated that their was nothing for her to reverse and she was the final word on the matter. I requested that the recording on the XX/XX/XXXX be reviewed, she said she would do it for training purposes only. 
I told XXXX XXXX I was filing a complaint, I asked to speak to someone higher up in here office, she stated that she was the final word on the matter.
Because of the theft of my identity I no longer have a home. On XXXX/XXXX/XXXX Regions Bank allowed XXXX XXXX to transfer XXXX to XXXX XXXX XXXX XXXX. I received a settlement from a XXXX XXXX lawsuit in the amount of {$100000.00}. I set up two C/D 's in the amount of {$44000.00} each. The XXXX Family abused money from the department of labor to make payments on several mortgages. Regions Bank reported interest to IRS. Never contacting me from XXXX through XXXX when I learned my identity was being abused. Payments was being made to XXXX XXXX. I never provided these companies with Regions EDI or my online entries. My labtop was hacked into in XXXX all of my files was stolen. My home was broken into in XXXX when I learned my identity was being abused. XXXX XXXX and company amended and restated my tax returns from XXXX through XXXX. XXXX XXXX was employed with the company at that time. XXXX XXXX had a relationship with Regions and an account. She was the XXXX XXXX XXXX when I was laid off in XXXX. I was told she was going to fix it for me not to be able to get another job. She saw what the XXXX family was doing. Someone filed a tax return in XXXX and put the funds into the account I once had with Regions. The FBI told me to pull all of my tax returns. This is how I learned of this, the amount was five thousand plus. An exemption was used, I did n't have an exemption in XXXX. The amount filed was incorrect. There was no XXXX filed or XXXX for the department of labor. I never received interest statements, not for the C'D 's I had. Or mortgage interest statements or any fraud transpired, even though I did n't apply for the loan with XXXX XXXX XXXX. Regions reported this fraud to IRS. This is abuse of His Housing. I had a FHA loan, these people have property in different states using my information.
This consumer : 1. Attempted to login to his Transunion account to review status. 2. Login, and or, password was not recognized. Consequently, this consumer is routed to a page asking what is the consumer 's high school mascot name and what is his email. I provide the right information. However, it kicks back as wrong. 3. I am routed to an off-shore XXXX XXXX XXXX number. 4. I call that number. The Transunion representative can not access my information. and suggests I email my state or federal I.D . I email my state I.D . 5. I call back. This time, the Transunion representative states that my only option is to go to XXXX. I explain that under XXXX and state consumer protection law, Transunion is obligated to do much more than that. 5. I am switched to a supervisor who says that Transunion is not even obligated to do for this consumer what was already stated in previous conversations. So, erroneous information remains on the Transunion report for this consumer. This consumer is left with no material way to correct or mitigate this problem. I and millions of American consumers are adversely impacted by the conduct of information barons like Transunion. Credit reports impact an American consumer 's ability to get a job or housing. Transunion can hurt families in this regard. Currently, it appears that I have identity theft and a false record issues with Transunion. I have collections that are not mine. I have access or profile information that is not correct. Transunion is refusing to make resolution possible or easy.
Received letter from Citigroup stating that they sent a check on overcharge on interest charged but that it had not been cashed So I contacted them and they said they would send a new check in four or five days A week later no check I contacted them a second time and they gave me a case number XXXX and they would contact me in 24 hours Nothing happend Four days later I contacted them and they were not responsive
I was issued a 37 month personal loan by XXXX XXXX for the amount of {$1700.00} in XX/XX/2017. The current remaining balance is {$1500.00}, Ive been making payments of $ XXXX monthly for 11 months ( on time ). The interest rate on this loan is astronomical, I signed up for a 37 month loan and at this rate it is going to take over 120 months to pay off. How can one term of my loan so heavily contradict another? Is this legal?
Had mortgage that sold and they wanted to refinance at lower rate, They never got around to the refinance and account was caught up, then it was sold again. My payments were not being pasted to my account but was put into an escrow account. My mortgage did not have an escrow account but they refuse to give me credit for my payments. They are trying to force us into refi at a much higher rate and keep increasing my payment .But they keep taking my money but not giving credit. THE NAME IS BAYVIEW LOAN, SERVICE, XXXX of XXXX, FL XXXX. PH XXXX. They do not answer the phone or written correspondence.
I have previously disputed this incorrect collection account from my credit file from XXXX XXXX XXXX because this was an account that I opened myself and used for a small period of time, but the card was stolen. I reported the card stolen to the original creditor and continued to pay towards the amount that I owed after I was told the other charges would be removed, they never were. The account has previously been removed from XXXX for the same reason on XXXX XXXX, 2016.
I did not receive anything from Ditech last month. I had my billpay set up for mortgages and they sent out on XXXX XXXX, 2016. Apparently, Ditech updated its computer system for the XXXX week of XXXX. I could not even log in to my account. In addition, Ditech changed all of my account numbers and despite receiving the billpay checks, Ditech " rejected '' payments for XXXX mortgages for ( new ) account numbers. Then, Ditech assessed illegal late fees for each account and proceeded to harrass me by calling me 3 or 4 times a day demanding payment despite the fact they received billpay checks on time. The checks had the old account numbers before XXXX XXXX, 2016. I paid all XXXX over the phone, then XXXX of the XXXX billpays were finally cashed on XX/XX/2016 and it does, in fact, state that the check was sent on the XXXX of XXXX. I had to cancel the payments over the phone because they were essentially double payments. Since then, I made sure every account is current, even making payments a second time for the month of XXXX for XXXX accounts, which billpay checks are being retained by Ditech, but not cashing them. The representatives I spoke with stated that I would be credited back the late fees. However, this has not happened. All I get over the phone is transfers to full VM 's or I leave a message to be not returned. Further, their " new system and website '' keeps kicking me out. Please CREDIT me with the illegal late fees and TELL ME what you are going to do with the XXXX remaining bill pay checks.
XXXX XXXX is reporting derogatory on my credit report, for a XXXX  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Tried to utilize my credit card in XX/XX/XXXX, card declined, I noticed the card was expired, called to have a new card sent out on XX/XX/XXXX, was advised to allow seven business days. Upon ordering this replacement card, i was advised one had been sent previously in XX/XX/XXXX, rep assured me it wasn't activated so everything was fine. Received a letter dated XX/XX/XXXX advising they can't send a replacement card because the account was closed. I called customer service yet again on XX/XX/XXXX and rep advised at that time that i was sent an email dated XX/XX/XXXX advising me the card had not be utilized and that could result in account being closed ; i never received that email and even when back to view my email account after rep verified the address, that email was not located, asked rep if he could resend for verification he stated no and advised i should have received a letter in XX/XX/XXXX about the account inactivity, advised i didn't receive that either as i try to make sure i utilize each of my credit cards/debit cards at least once a year. I asked rep how can i appeal this he advised he would escalate to the office of the President at the organization and i should receive a letter in approximately seven business days of the determination, we verified the address and thus far nothing has occurred. Closing of this account has caused my credit scores to drop over 20 points. I work hard to maintain a great credit history and believe companies, especially those where members are long standing and in good standing should have to validate/approve for an account to be closed before companies close an account for due to inactivity. that 20+ points is very quickly loss, yet very difficult to recover.
I regularly check my credit report via XXXX XXXX, i continue to see old credit accounts that have been paid off but still show on my credit reports and continues damage a once good to better CREDIT SCORE AND IS TROBLING TO CONTINNUALLY GET TURNED DOWN FOR A LINE OF CREDIT OR LOAN TO PAY OFF MY CREDIT DEBT I AM RUNNING OUT OF OPPORTUNITIES TO ELIMNATE THIS CAN YOU HELP.
I received a letter addressed to me in the mail that states I was pre-selected for a low interest credit card from Bank of America, specifically a Master Card. The letter also says it is a " special offer for me. '' Because the interest rate was low I wanted to transfer a higher interest balance to this card. When I applied I was rejected for the balance transfer.
Equifax Inc. said its systems were struck by a cyberattack in 2017 that affected my personal credit information. Intruders had access to my name, Social Security number, birth date, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed.
Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling.
I was contacted by I.C. Systems about a year ago, they called my cell phone repeatedly until I picked up. They asked me to confirm my information, to which I asked who they were. All they said was I.C Systems, I said " OK. And who are you? '' They told me they needed me to confirm my address, after multiple attempts I got fed up, and gave in to giving them my address. They told me that I owed them money from a previous doctors bill. I asked them to verify the information they were talking about. They could n't. They just told me that I owed them money from a doctors office. I told them they needed to send me information on this, to which they responded " We sent out a letter yesterday, we need you to make a payment. '' I told them I was n't making a payment to them without any information. They told me the letter was in the mail, to which I replied " ok, when I get the letter in the mail and review it, I 'll call you back. '' They called me again and again, same song and dance, telling me I owed them money and I needed to pay it. I told them I never received any paper work form them. They got very nasty with me and told me that it was sent out and that I needed to make a payment. I told them I would review the paperwork when I received it, and I would call them back. They kept calling, and I did n't pick up. It 's now a year later and I still have not received anything from them in the mail, even after confirming my address with them. 

This is harassment. They are non-stop calling, have n't sent me any information, they do n't confirm that they are a collection company or that they are collecting a debt and are very nasty. I have no problem paying my debt, but it wo n't be before I have any written information. This is now destroying my credit, because it 's been on there for a year, and I have n't received anything in the mail. I really hope that you can do something about this company because they have tons of bad reviews and do n't seem very reputable.
I have sent a payment in as I always do. I have been using the   XXXX   XXXX   for years. I do not know why my bill was sent to collections ( that is what I asked them ) When I am sending payments. It went to collections without notice to me. Again I just made a recent payment on this account I have NEVER not paid a bill at   XXXX   XXXX   XXXX   as I said I use them often. When I called Transworld they acted like they did n't even know what they were doing. The guy kept asking me for  a 5 year old address??????? After 20 min. on the phone he then told me he could n't take any payments I do n't know if this company is legit??? I did call   XXXX   XXXX   as well and they told me they do use Transworld but the call to the m was very fishy?? Just a confusing experience. My bal. is  XXXX . I usually get a settlement offer caus e I p ay cash. I made a payment of  XXXX  when I received the first bill. I usually get another bill and I always summit another payment. This time it went Straight to collections after the first payment?????? The first bill was on  XXXX  /  XXXX  /  2017 . The guy I spoke with  at Transworld was very weird. Thank yo u for your service!
XXXX XXXX keeps adding SEVEN year old debt to my EQUIFAX credit report as NEW debt. I have not had a XXXX XXXX account since XX/XX/XXXX. I defaulted on a contract in the amount of {$1400.00} which was subsequently dismissed in Bankruptcy court in XX/XX/XXXX. EQUIFAX will not validate nor remove the debt even though I have disputed it at least 6 times in the last two years. I have dispute records. I want this illegal debt removed because it is now over SEVEN years old.
I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.
I have a Navient private student loan that was co-signed by my paternal grandfather aunt in XX/XX/XXXX for {$16000.00}. I have been paying an interest rate at 8.625 % since XX/XX/XXXX. The interest type is variable. I completed graduate school to become a XXXX in XX/XX/XXXX. Prior to completing school, I was required to pay monthly interest payments of {$110.00}. Upon graduating XXXX school, I had to pay interest + my monthly payment. I could not do so. Since XX/XX/XXXX, I have secured employment, but was unable to pay the full amount. I explained this to Navient on multiple occasions. I inquired about consolidation and income-drive repayment plan due to only making {$42000.00} a year. They said those were not options for my loan. I stated my federal loans were consolidated. Again, Navient stated the loan I have does not allow me to consolidate or complete an income-driven repayment plan. Navient has caused tremendous amount of XXXX on myself and my family. I have no financial help to keep up with payments, nor is the loan decreasing. My current amount in XXXX/XXXX/XXXX due is {$17000.00}. Both my grandfather and aunt of passed since XX/XX/XXXX. I was not there when my grandfather took out this loan. My grandfather, XXXX was from XXXX XXXX. He did n't read XXXX and XXXX was his first language. I honestly feel like he was directed into signing something he did not understand. He wanted me to finish college and I could not do so without a loan, which makes all of this even more sad if Navient did this to make more money. I saw Navient in the news and wanted to file a complaint. I knew something about this loan was not right, but I am not a finance major. I work with XXXX-XXXX year olds with XXXX and it never crossed my mind I could have been wronged.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # XXXX
I have disputed XXXX a collection item on my credit called, XXXX XXXX XXXX with Equifax. However, Equifax results of the investigation were that the collection item belonged to me. On XX/XX/2015, I disputed the collection item pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ). However, two days later Equifax came back and stated the item belongs to me. Equifax failed to provide me with the request information pursuant to 15 USC1681i ( 6 ) ( b ) and 1681i ( 7 ).
On XXXX/XXXX/2016 I applied for a Citigold Checking Account online and provided the code I received for a promotion of XXXX XXXX after spending {$1000.00} dollars in purchases and making XXXX direct bill payments. Citibank accepted my application and I printed the page where it stated that I had responded to this promotion. ( see attachment ) I completed the requirements for the promotion. ( see transcript of chat attached ) I sent a secure message to Citibank asking when the miles would be deposited and they answered that I " was not targeted for the promotion ''. 

This answer is not acceptable. They accepted my application with the promotion and their customer service representative confirmed I met the requirements. 

I opened XXXX investigations and still have not received a favorable result. 

I expect Citibank to honor this promotion. This looks like a dishonest marketing strategy to attract customers to open an account that has a $ XXXX monthly fee.