WillisBack/dataset-financial-user-claim huggingface dataset:
Inquiries are showing more than once on my credit. Some of which I do not recognized.
XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto  Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
Selene Finance is the service my loan was transferred to, by XXXX XXXX. I spoke with XXXX at Selene today to indicate I was wanting to participate in the modification program that was offered to me in their letter dated XXXX/XXXX/2016, which I received on XXXX/XXXX/2016. He told me I was not allowed to participate in it because the house was already foreclosed on. The letter said I had until XXXX XXXX, 2016 to decide and have the paperwork to them by that date as specified in their letter. Why was this offered to me if they had no intention of allowing me to participate? Why did they inform me I had until XXXX XXXX, 2016 to get them the required documents?
Correspondence was sent to  NCC  on  XX/XX/2016    inquiring about a {$10000.00} debt reported to   XXXX  ,  XXXX   &   XXXX . I requested information regarding the company to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NCC has never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for NCC to continue reporting this debt.
I contacted Navient on XXXX XXXX, 2016, regarding my options for lowering my payments. I was transferred to several individuals until a man named XXXX provided me with an option of lowering the interest rate for 14 months. He told me to call in XXXX to finalize the option since I had already made a payment for XXXX. He provided me with a number ( XXXX ) XXXX extension XXXX. 
On XXXX XXXX, I called the phone Navient to finalize the process. The man I spoke to told me that XXXX was unavailable and that I would need to complete the financial verification process again. I refused as I was already qualified. 
Previously, Navient, then XXXX XXXX, had offered me low interest payments on the same loans, however, I was told to call back because I had already made a payment for that month, similar to this incident. When I called back the previous time, I was told I had to complete the financial verification again, which I did, however, the amount I was offered when I called the first time was increased by {$50.00} after completing the second verification. Hence the reason I refused a second income verification process. I asked the customer service representative for a supervisor. The supervisor told me that I did not qualify for the interest rate reduction and that XXXX had noted that in the system that someone should call me back, " at the beginning of next month. '' It is currently XXXX XXXX, 2016, and my payment is due XXXX XXXX. I was told I do not qualify because my federal student loans were not showing in a repayment status on my credit report and that I should call the Dept. of Education to ask for lower payments. I said that was not an option because I was already on income-based repayments. The supervisor also noted that I had a car note on my credit report and that purchase disqualified me from the assistance option that was previously approved. I needed a larger vehicle because my fianc and I were expecting XXXX. 
I believe Navient 's internal practices are deceptive and discriminatory. 
Previously, when I asked for a copy of their policies regarding lowering my payments, I was told they could not provide me with the information. I have no guidelines to review for lowering my payments. 
A promise of lower payments was made and then rescinded because I purchased a vehicle that I needed. Had I been a single person with no children, I believe that my vehicle purchase would not have been considered. 
Further, based on my experience, it is clear that Navient makes every effort possible to avoid options to lower loan payments by making it difficult to contact specific customer service professionals. At least XXXX XXXX had a dedicated phone number you could call to speak with someone in their credit services office regarding lower payment options. All calls to Navient are routed through a main line and you are forced to speak to low level customer service reps who try to coax a payment out of you rather than resolving any issues. It is extortion.
TransUnion is reporting over 80 unauthorized hard inquiries to my credit report. Just TransUnion. Not XXXX  or XXXX. I have not authorized these inquiries and I have explained this to TransUnion. I want these inquiries removed because I have not authorized anyone to run my credit over 80 times. Other reporting agencies removed to as unauthorized but TransUnion has and will not. Please help me have these removed.
This company is calling me constantly even after i told them to stop calling me. They are also threatening me!!!!!!
Equifax is reporting a negative account ( # XXXX, {$7600.00}, XXXX XXXX XXXX XXXX ) on my Equifax credit file as a " Charge off, '' when in fact the account is a civil judgment ( see attached court document proving this account is a civil judgment ) that does not contain the proper identifying information. This account is being falsely and inaccurately reported as a charge off. This is a civil judgment and not a charge off. It does not contain my social security number, my address or my date of birth. I have disputed this account with Equifax several times and each time Equifax responds with a notice that the account was verified by Equifax. ( See attached response from Equifax, page 3 ) Equifax provided no documented proof that it should have requested and received from the creditor as a part of its investigation. Equifax has no documented proof that this account is not a civil judgment and it Equifax has not conducted a proper investigation of my disputes according to the law. This account is not being reported by the other two credit reporting agencies.
Chase Bank refused to honor the stop payment request that I made with regards to this transaction for {$660.00} and my bank is giving a control of my bank checking account to the merchant XXXX XXXX XXXX. XXXX attached documentations from Chase Bank and XXXX XXXX XXXX. Please help. Thank you.
Universal Premium Fleetcards / Mastercard   XXXX   UPF auto signs up their clients into programs ( in this case a percentage of our bill going to planting trees ). I have never heard of this program nor did I sign up for it. {$57.00} was charged to our account. They credit it IF you discover it and IF you call in to get them to credit it. However they credit takes 2-3 billing cycles or 30-45 day s. If they have  XXXX  clients they fraudulently sign up, at {$57.00} each, that 's $  XXXX  they control for  XXXX  ... at 1 % interest, they just cleared {$570000.00} for fraudulently charging clients. This ca n't be legal, can it?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  XXXX  XXXX
Back in XXXX of 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting outlined criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the points to be deposited into my account by the XX/XX/XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in the XX/XX/XXXX. Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 7 months ago showing the offer. Who keeps junk around that long and why was n't that mentioned before? Now I have {$60.00} of fees and I will not be getting my points. I am still to date asking them for the points and wanting to understand how three people saw that I qualified but am being turned away. It has become apparent that I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thank you & regards, XXXX XXXX
The facility did not adequately disclose the cost of the expected services after presenting insurance card. There was no other financially obligation discussed. I was not contacted regarding any additional balance until it was in collections. My flex spending account would not accept the balance due to timely filing. I also received the explanation of benefits months after the date of service. This letter stated do not pay as it was just an explanation of benefits.
Controlled credit corporation has been calling my place of employment repeatedly times throughout the day. Until it is interfering in my job and I 'm at risk of losing my job. We are not allowed phone calls of cell phone use at work.
In XXXX of 2017, I provided the XXXX XXXX and Experian with documentation sent to XXXX XXXX XXXX ( a debt buyer ) requesting verification of an alleged debt which was being reported to the bureaus by them, including : 1 ) signed agreement between them and creditor granting them authority to collect on alleged debt ; 2 ) proof of assignment or sale of alleged debt from original creditor to them ; and 3 ) complete payment and accounting history of alleged debt. I requested that the information be furnished within thirty days, or the account removed from my reports. In XXXX of 2017, I submited additional correspondence to XXXX XXXX XXXX informing them that they had failed to comply with my verification request, and, as such, the item should be removed from my reports immediately. I provided copies of all correspondence between me and XXXX XXXX XXXX to Experian, XXXX XXXX XXXX on XXXX XXXX, 2017 ( see attached ) and requested that they remove the item from my reports. In response, all XXXX bureaus opened disputes on my behalf, and all of the disputes have since been closed by all XXXX bureaus based on statements they received from XXXX XXXX XXXX stating that the debts had already been validated. I contacted each of the bureaus and asked how the investigations were conducted, and I was advised that they notified the XXXX of my dispute electronically, and in return, XXXX provided a statement certifying that the account had been validated. I requested copies of the communications between them and XXXX ; however, each agency advised me that they were unable to provide me with copies of any electronic communication sent or received from XXXX. I voiced concern to all XXXX agencies expressing, what I feel is, a conflict of interest between them and XXXX XXXX XXXX ( and all other debt reporters ), since these reporters pay a fee to establish an account with them and are required to pay additional charges each month in order to maintain the ability to provide reports to them concerning consumers. I advised the bureaus that this conflict of interest, in my opinion, would make it non-beneficial to them monetarily to have inaccuracies removed from a consumer 's credit report, since removal of these items could possibly result in the closing of a reporter 's account with them and a possible loss of revenue on their part. I further advised them that I felt their investigation process was discriminatory because of this, and did not allow consumers the right to a fair and impartial investigation, especially given that all they required from XXXX XXXX XXXX ( and other reporters ) was a response to the dispute. I do not feel these agencies did their due dilligence in investigating my claims, and I also feel that the conflict of interest that exists between them and reporters who are paying for their services will prevent them from ever doing so. As such, I would like proof of the certifications and any contracts or assignments provided to them by XXXX XXXX XXXX proving my legal liabilityto them for the alleged debt they are reporting against me, and in the absence thereof, immediate removal of this item from my report.
Citibank response to complaint number XXXX handled by XXXX XXXX from Citibank was inaccurate and incomplete. I have never been given a Client Manual of Consumer Account from Citibank for any of my checking accounts. In his response to my complaint he supposedly downloaded this manual for for my review of Citibank policy in regard to stop payment of checks, but only the cover page of manual was enclosed. ( I wonder if this was done on purpose and used as reference just to deceive CFPB and me ). The records on my checking account were modified in regard to check number XXXX for {$1700.00}. Teller # XXXX does not appear on the records anymore and neither a copy of the check is available for my review unlike with previous checks I have written.
Moved from an apartment that I lived in XXXX, Fl. Companies name was XXXX XXXX and I was laid off of my job and rent was more than unemployment gor the month. I wrote them a letter expressing my concerns and got no response I moved out XX/XX/2014. I put down a {$1500.00} deposit when I moved in they took that and said i owed for {$1700.00} misc. Things that were not true. I tried calling the company to show I left the apartment in mint condition. All they sent me was the lease. I have made numerous attempts to get this off of my credit because its the only collection I have. I am looking forward to buying a house and I need this removed.
XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting m y credit score  on all of the major credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.
The following Creditors XXXX XXXX XXXX, XXXX and Chase bank have " charged off '' my debt to the IRS ( not to be confused with discharged due to bankruptcy ) they are listed on my attached credit report line item # 3 XXXX ) line item # 8 XXXX ) and line item # 13 Chase Bank. I have attached the bankruptcy documents signed by Judge XXXX. Since these creditors had already charged off the debt prior to the settlement, these funds forwarded to the banks by the trustee need to be returned to the estate in full and closed out. The addresses and contact information are included on my attached correspondence. Thanks you in advance for your help with this situation. regards, XXXX.
On XX/XX/2018, I notified Equifax via certified letter, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, I have not received anything from Equifax regarding this Dispute. It has been over the 30 days and my dispute has not been validated. This is clearly a violation of the FCRA and FDCPA.
I once stayed in XXXX XXXX XXXX XXXX Apartments in XXXX XXXX, Texas. After I informed the apartment manager that I was moving out due to crime in the area and apartment complex. I gave them a written notice that I was moving out. The apartment complex was going up for sale to a new owner and the tenants were given a chance to move out based on the crime and things that took place in the complex. I took them up on the offer that I wouldn't be responsible for the remaining balance due to the sale of the complex. After moving out of the complex I got a bill from a collection company. Everything I owe was put on the loan of the sale of the complex and the complex is not trying to collect any funds. So, I don't know why I have this collection company calling me.I like to provide my credit report to show that they are on my credit report.
On XXXX XXXX 2017, I received a phone call from XXXX XXXX XXXX XXXX stating that they had removed me from the Public Service Loan Forgiveness ( PSLF ) program without my permission after 5 years and 8 months of on-time payments. I filed a complaint with the Department of education whom just referred the matter to a Great Lakes representative. That representative said they had no records of me ever being in the PSLF and unless I provided proof, I was stuck. They said if I wanted to be placed in the PSLF it would restart the clock back to XXXX and I would have to pay for an additional 10 years. Shame on them! I re-contacted Dept. of Educ. and stated that no one has contacted me regarding this complaint. I have not spoken to anyone researching or investigating my complaint. They simply restated information received from Great Lakes as valid, which is far from the truth. The information stated by Great Lakes is not true and is fraudulent and is the basis of my complaint. I did not at anytime authorize or agree to be taken out of the PSLF program. I would never do that. Any information to the contrary is false. It is my opinion that Great Lakes is a dishonest, lying, crooked company, and their intention is not to help the consumer at all. Conversely they have done everything possible to drive me into default even though I have never missed a payment. They deceived me and told me I was not eligible for any other program, and that I could not have my loan serviced by anyone else, and I just had to cooperate and pay the new raised amount for the next 10 years. I have contacted Great Lakes multiple times with No success, No options provided, no sympathy, absolutely terrible customer service, rudeness, and straight up LIES! I will never do business with them again and I STRONGLY warn anyone else of the same. Especially Veterans and Federal Government workers, BEWARE!
XX/XX/2018. I saw that a payment was withdrawn from my bank account for {$140.00} from XXXX XXXX. I am not signed up for auto-pay with them. I called the company and spoke to representative. He said as well that I was not signed up for auto-pay or what they call convenience pay. However, the man said they still had the right to deduct a payment. I informed him that was not legal and they could not take a payment automatically from my account if I was not signed up for that service. He kept arguing with me that they did have the right to take the payment without my permission. After going back and forth, I told him I was contacting my bank and hung up. I am attaching a screenshot showing that I am not signed up for the service.
In XXXX of 2017 I applied for a mortgage from Integrity First Financial Group. 
I was told that I would easily be approved for a mortgage and after submitting the required documents, my mortgage was approved for {$800000.00} with a 15 % down payment. Then company charged me {$400.00} for a professional appraisal. The appraisal came in as expected but the approval was withdrawn when I refused to accept loan conditions different then what was specified in the approval letter. I was not refunded the {$400.00} that they charged me for the appraisal as I requested.
XXXX is continuously adding falsifying information to my report without validation. For example on case with CFPB XXXX, a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me. XXXX stated that they will remove the alert. Well on XXXX XXXX I received an alert from a credit monitoring agency that something was added to my report. After contacting XXXX to ask what was added XXXX stated that they received an update from XXXX for an extended fraud alert was placed on my report. I also received in the mail from XXXX a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked XXXX to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by XXXX that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file # XXXX states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was VALIDATED not Verified but VALIDATED. XXXX is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that XXXX  contact the other agencies to have them update my information as well. Also please note that in XXXX XXXX was sued by XXXX XXXX when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in XXXX she disputed with XXXX about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year XXXX and XXXX are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.
A collection just appeared on my credit file from this company ERC, not once have I been contacted I disputed this with the credit agencies as I never received verification, notice and it is inaccurate.
Purchased a comforter and some sheets from the XXXX website, upon arrival of the items, I notified the company they needed to be returned because it was NOT what I purchased and sent them back. 

A week or two later the XXXX folks called in a very hateful manner saying they would refuse to issue a refund or replacement because what was sent back was not what I ordered -- - tried to explain that the problem was exactly that, the items they sent were NOT what I ordered, therefore they were returned and wanted a refund at this point ratehr than a replacement due to their hateful attitude. 

They said too bad, that they were rejecting the items back and that I would be forced to pay for the items I sent back.
I was never notified that my interest rates increased for XXXX my loans near the end of last year. As such, my payments went up and I did n't know that until I just happened to look in the portal. Essentially, I could have been seen as delinquent on my loans if I had n't caught it due to the lack of communication from the loan servicer. As a side note, it is generally not a profitable practice to leave your borrowers in the dark about rate changes, it is advised that a form of electronic or paper communication be sent before the next pay date that the rate increase affects.
It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in equifax, XXXX, and XXXX. 

Attached proof of removals and disputes
A company called PORTFOLIO RECOVERY ASSOCIATES reported I owe XXXX XXXX XXXX , account start at XXXX XXXX, 2016! <P/>The truth is I never use XXXX XXXX service, and I do n't never owe XXXX $ from them. <P/>This is a scam. I already filed dispute.