WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX, I obtained a copy of all 3 of my credit reports and showed NUMEROUS unauthorized inquiries via transunion, XXXX, and XXXX. I contacted all three of the credit bureaus starting with XXXX. XXXX had me get letters that I had to get sent into them and as a result of that they removed XXXX inquiries that were not allowed in my credit. I contacted TransUnion this morning XX/XX/XXXX and was told that I would have to get those letters again even though I 've already explained to them a XXXX has already sent me proof that they 've been deleted and be that XXXX has those original letters. TransUnion does not seem to want to comply and follow suit with the other creditors so I 'm left with no other opportunity but to file a formal complaint at this time. The creditors in question for TransUnion or XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX through XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX through XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX through XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX for XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX my social security number is XXXX my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX in my date of birth is XX/XX/XXXX
XXXX sent an account to collections. Then the account went to a collection agency. I called XXXX to settle the account and XXXX told me to call the collection agency- XXXX   XXXX. I called XXXX XXXX and a representative told me that they no longer had the account and to call XXXX back. I then called XXXX to verify address. I mailed a settlement letter to XXXX on XX/XX/XXXX, in which XXXX accepted the {$550.00} & terms on XX/XX/XXXX. I have the letter and the cashed check from XXXX. The new collection agency is Diversified. Since XXXX accepted the terms in the Settlement letter - I no longer owe XXXX or any collection agency any money. If XXXX did not accept the terms of the settlement then they should not have cashed my check.
XX/XX/XXXX Complaint Against Experian and XXXX  for the past 10 months have been requesting to dispute unknon inquiries. When I lifted my credit freeze in XXXX, XXXX and thereafter ( XX/XX/XXXX ), at least 10 inquiries from companies, banks and loan servicing entities that I had not applied for credit from and I had not filled-out any type loan application in person or online.Complaint- Experian and XXXX  refused to allow me to dispute the unknown and inquiries that I had no knowledge as to why they pulled my credit without my permission : banks, credit unions, and loan servicing companies. I had not applied for credit with these entities in my dispute or given them approval to run my credit at all. Experian and XXXX  refused to allow me to dispute these unknown inquiries would not even bother to investigate this inquiries as requested. Complaint Against Experian and XXXX for the past 9 months as they have not allowed me to dispute unknown inquiries as follows : 1. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 2. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 3. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 4. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 5. XXXX XXXX, inquiry XX/XX/XXXX, not my approval 6. XXXX, inquiry XX/XX/XXXX, not my approval 7. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 8. XXXX XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 9. XXXX, XXXX, inquiry XX/XX/XXXX, not my approval 10. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXXnot my approval
The original creditor is called XXXX XXXX XXXX XXXX XXXX. The collections agency called Credit Clearing House of America has reported account # XXXX with a balance of {$730.00} to the credit bureaus. My credit file shows that this account will be removed XX/XX/XXXX. This implies that the account was delinquent from the year XX/XX/XXXX. However, this information is inaccurate. The medical service was performed, and subsequently became delinquent, in XX/XX/XXXX, which means that this account should be removed from my credit file at the credit bureaus in XX/XX/XXXX. I contacted Credit Clearing House of America, and I spoke to one of the agents, whose name is XXXX XXXX, and I told her that not only did I not have the medical services done in XX/XX/XXXX, but also I was not living in the Kentucky-Indiana area in XX/XX/XXXX. She actually confirmed that the account/services were from XX/XX/XXXX. She told me to write a letter to her agency, so that the matter can be looked into. She also said for me to ask that the correct date of delinquency be updated on the account. She also said that she would forward that letter to another person in the office who can/will " take care of it, '' as she puts it. However, when I call Credit Clearing House of America,  the employees are unwilling to help me.
OnXX/XX/XXXX an authorized chase pay ( XXXX  ) removed {$400.00} from my Chase Checking account. I advised Chase immedialty I did not authroize this transaction. Chase advised me I would need to sign an affidavit of dispute. I went to the branch within an hour signed the affidavit and faxed it over as requested by Chase. Chase advised me and the branch VP that a credit would be issued to my account for {$400.00}. The credit appeared in my frozen checking account on XX/XX/XXXX. I proceeded to check my account onXX/XX/XXXX to see the credit removed. After spending multiple hours on the phone with Chase, they advised me it was an emergency credit. I dont understand how you can issue a credit and remove it. This is my money. No one has called me back and everyone gives me different stories.
My mother passed away on XX/XX/XXXX, and I am the executrix of her estate. When I I was cleaning out the effects in her home, I found a bill from XXXX that had a due date of XX/XX/XXXX, regarding my mother 's credit card account with them. I called XXXX customer service on XX/XX/XXXX, to notify them of her death and asked what I needed to provide them in order to manage her account ( as the executrix of her estate ). I was told I needed to take my documentation ( death certificate, short certificate and proof of identity ) to a bank branch for verification. So, I drove the XXXX mile round trip to the XXXX, Pennsylvania, branch that was closest to my home and met with the branch manager, XXXX. He took a rub of the seal on my short certificate on the copy he made of my drivers license, made a copy of the short certificate, took an original death certificate and also took my mother 's card and locked all of this in the vault. He also faxed the documents to XXXX 's collections department. At this point I assumed her account would be statused appropriately and I would get a final bill to pay from her estate. I have since received XXXX additional bills for her account, each assessing late fees and finance charges despite my in-person notification to a XXXX employee that she had died, and her account should be marked " deceased '' and written off as such. After the receipt of each bill I called XXXX customer service to ask why her account was not closed and I was still getting bills. I placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and was continually told I was not authorized to speak about her account even though I personally took acceptable documentation into a XXXX branch and it was visually inspected by the branch manager. I was finally told on XX/XX/XXXX that they considered me eligible to speak about her account, but I 've received a contractual charge-off statement on the account because it took them over two months to deem me eligible. Her account should have been written off in XXXX when XXXX was notified of my mother 's death, and the account should not have had the additional ( and potentially illegal ) late fees and interest assessed that they piled onto her balance.
When I voiced myself with the woman- please note- this time I did not catch the name, had it been 2 months prior- I would have, along with an employee ID number or something, because as mentioned before, I am just about done. The purposed of my call to XXXX had to do with me attempting to speak with XXXX XXXX because the CFPB notified me that DFS- XXXX XXXX ... requested for a 60 day extension. This information was given to me hours AFTER I had sent my 2nd follow up email to XXXX the first was more of a thank you but both emails did request for DFS to update me about any new information regarding my concerns- at their earliest convenience. Whoever I spoke with in lieu of XXXX though that she was doing the right thing by CALLING THE LOCAL POLICE TO HAVE THEM COME AND DO A WELLNESS CHECK ON ME- SO ONCE AGAIN, THANK YOU DFS- DISCOVER CC- DISCOVER BANK FOR MAKING ME FEEL AWFUL. XXXX, I just needed a break- and seeing that my issues started ( LIKE FULL MOMENTUM ) in XXXX I THINK THAT IT MIGHT BE OKAY TO FEEL A LITTLE DEFEATED. 
I would like to state that I DID SAY I NEEDED HELP- NOT THE POLICE 's TO COME AND MAKE SURE I DO N'T XXXX- I NEEDED DFS and the people who work there, SAY WHAT THEY MEAN, AND MEAN WHAT THEY SAY. IF I DO NOT KNOW WHAT I AM PAYING FOR- ACCORDING TO THE FTC- I DO NOT HAVE TO PAY. SOOOOOOOOO- XXXX XXXX is coming up soon- and my inquiries about my TRANSFER BALANCES- were initiated on XXXX XXXX with clear PROMISE that I would be provided an answer in 72 hours. IT HAS BEEN ALMOST A MONTH- and 6 billing reps later- THE SUPERVISOR- XXXX assured an answer by XXXX DO N'T TELL ME THESE THINGS WILL HAPPEN- and then DROP THE BALL, ESP BC IT WAS ALWAYS THE REP WHOM I SPOKE TO, that put themselves in that very situation. 


Regardless, I did need help- I NEEDED A BREAK, bc MICROMANAGING MY DFS ACCOUNT has been a NIGHTMARE. AND HONESTLY- WHOEVER CALLED THE POLICE TO COME CHECK UP ON ME, PROBABLY SHOULD HAVE UNDERSTOOD A LITTLE BIT MORE ABOUT WHY I WOULD CLAIM TO BE TIRED or state that I HAVE LOST SLEEP. BUT NO- did n't look up my info, just sent the police instead. SO THANKY YOU - FOR ONCE AGAIN, MAKING ME FEEL LIKE I AM XXXX, FOR THE MOST PART- I AM JUST ASKING FOR INFORMATION REPS HAVE PROMISED, BUT NEVER DELIVERED- of course there are other issues but ONCE AGAIN- I AM TIRED- DFS has WORN ME OUT- and I CAN NOT WRITE ABOUT THIS ANYMORE. I WOULD TO STATE- ON THE RECORD, NOOOO - ME WRITING THAT I CA N'T DO IT- as in I CA N'T CONTINUE WRITING ESP NOT ANOTHER REPORT- DOES NOT MEAN I WANT TO XXXX or ANYONE AROUND ME.
Finance charges applied to account when I had signed up for free financing for purchase of computer. Also automated bill pay does not work and no customer service representative picks up forcing consumer to pay late fees. Very disturbing. Finally got one " XXXX '' who advised lots of consumers were complaining about this. Advised her I was making a complaint. Please investigate.
I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three  credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXXI signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Hi, I called to XXXX XXXX, but XXXX XXXX 's phone number is not correct. I found in my experian credit report. 
Remove from my credit report. 
Why are they keep checking my credit till XXXX. 

Thanks
I recently pulled a credit report and saw that XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida.
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX
On XXXX XXXX, 2016 I leased an Infiniti XXXX from XXXX XXXX, California. My monthly payments are {$370.00} which I have been paying on time to Infiniti Financial services. On XXXX XXXX I received a letter from Financial services stating that I was delinquent in one payment. Upon reviewing my records I found out that I HAD NOT RECEIVED the XXXX invoice, instead I had received a recall notice from Infiniti stating that there were some issues with the passenger airbag which could increase the risk of injury to the passanger.I DID NOT RECIVED THE INVOICE. However Infiniti Financial charged me two months " or else, My account would be deemed delinquent.On XXXX/XXXX/16 I sent the requested payments in the tyiotal amou nt of {$740.00}, check # XXXX. On Sunday XXXX XXXX, I received a couple of phone calls from Infiniti Financial collections agency. A gentleman who identified himself as XXXX XXXX, stated that " this is a call from a collection agency attempting to collect a delinquent debt ''. I explained to him that XXXX was a Sunday and very early in the morning. I also explained him that I had already made the payment and that I rejected these tactics from Infiniti. He went on demanding me to provide him with other telephone numbers I may have and confirming my address. I told him that these tactics are illegal and that I would lodge a complaint. That was the end of our conversation
XX/XX/XXXX, a series on letters to XXXX XXXX XXXX XXXX to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. 
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.
Predatory lending violation to the XXXX elderly via telemarketing. Two telemarketers called my XXXX & XXXX yr old parents from another state and coerced them into taking a 30yr refi. Never offered mtg protection ins. or another program to better suit their needs, never had an attorney present to look out for their needs. There was no way my parents could live 30 yrs.to repay the loan & the fraudulent telemarketers knew this. Not repaying the loan due to one 's death & less income would subject the survivor to foreclosure or homelessness. Upon my parent 's death, the home was quit claimed to me & is where i reside. Helping my dad financially ( who died after my mom ) made me wonder why he had this loan burden to repay. I looked into it & began calling, faxing & mailing Wells Fargo w/questions they refuse to answer. I even paid for 3 & 1/2yrs. on a loan that is not mine. Upon learning many yrs. later of the loan 's fraudulent inception, I refused to make another payment. Wells violated Connecticut 's predatory lending law & is guilty of equitable estoppel, unclean hands & unconscionability. This was a bad loan from the beginning. Wells was pd {$71000.00} on an {$81000.00} loan. Under stress & pressure from Wells, I offered {$20000.00} as A " short pay-off ''. This would bring the amt. to {$91000.00}. Wells refused the offer. I will not pay for a criminal offense.
m writing this complaint as my second complaint against both XXXX and Experian credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.
I believe Wells Fargo owes me in the neighborhood of {$420.00} ( I earn {$130.00} an hour ) for time wasted attempting to resolve this issue. I sent a request to its board because I could not get satisfaction from anyone at Wells Fargo despite repeated calls, messages and letters. 
Yet, Wells Fargo contends it puts Customer Service first above all else in its XXXX and Values statement. 
Obviously, that is not true as can be attested to by the recent accounts scandal. But Wells Fargo 's scandal does n't end with employees increasing their salaries by opening accounts in customers ' names without their knowledge. I have discovered that Wells Fargo refuses to reduce the APR of any customer even those with good credit so it can reap the large fees of those who carry a balance. At least that is what XXXX of its executive staff told me last week. Apparently, if you get a high initial APR when you open a credit card with Wells Fargo, then that is the APR you keep for life regardless of how well you manage your account. 
My issue, is this : How can a bank get away with this? Is there any logical reason other than filling its coffers that would prompt a bank to increase a person 's credit line by thousands of dollars but refuse to lower the APR? The only reason I could come up with was the bank 's culture of greed. 
It is not employees taking advantage of customers, it is the culture of the bank itself. 
It is illogical for a bank to raise someone 's credit limit if a person 's credit is bad. 
People with bad credit are high risk and so banks charge exorbitant interest rates to protect themselves. In fact, many banks wo n't even give people with bad credit anything but a secured credit card. 
The first time I requested a reduction of APR, I was told it was because I had poor credit even though my credit score at the time was over XXXX and my credit with Wells Fargo had been impeccable. The fact of a bankruptcy in 2010 was the reason behind the initial rate. ( I lost my job during the economic downturn, like millions of others, which caused the bankruptcy. ) Each time I requested a reduction after that, I was told that there is nothing anyone can do about the APR. I totally understood that reasoning initially. That was until my credit line began to climb. From {$2500.00} to {$10000.00}. over the last few years. 
My question then and now is : Why, if I have terrible credit would a bank give me a {$10000.00} line of credit? And if it did give that to me was it not telling me that the bank was more than willing to give me that line of credit because I was a good credit risk with the added benefit of being able to extract huge interest rate fees? 
And how are these actions different from employees opening unauthorized accounts? 
The credit card executive staff employee, XXXX XXXX was unable to answer my questions or do anything about the issue because it was not permitted. 
XXXX came back with the same response. Please get back to me with an explanation as to why Wells Fargo has the right to exploit its customers in this manner.
I am in remediation for debt collection. Some creditors have settled. They have not. They are only supposed to contact me through the lawyer, but I am getting harassing calls on my cell, at home and at work.
I want to cancel the monthly automatic ACH from my BB & T bank account and switch it to another one ( our property manager ), but BB & T 's mortgage division 's answering service will not connect me to an agent and keeps telling me to call back. My account has been overdrawn 3 times now as a result.
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my Experian report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to Experian and XXXX ; thus harming my FICO score and my individual credit rating at Experian and XXXX at 60 days since I paid off the balance.
XXXX  Disputed {$1000.00} collection on my Equifax and   XXXX   reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX  Equifax sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the Equifax removal to   XXXX    XXXX  Checked my credit reports and both Equifax and  XXXX  had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX  Equifax reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidence  to Equi fax and   XXXX   to dispute again
I am disputing an account/collection that was opened in  XXXX  of  2016 with a  company known as    Convergent Outsourcing. Th ey are claiming that I owe the amount of {$670.00} for which I have no knowledge of.