WillisBack/dataset-financial-user-claim huggingface dataset:
Today XX/XX/2018 I called Transunion to see if they could of removed the inquiries in my credit report because my wife and I are trying to buy a house. So they said they wouldn't because I need to call each creditor. I called the creditors before calling Transunion to get them to delete them. They all said they love to help me but unfortunately Transunion is the one that erases the inquiries. I called Transunion and they didn't help me with my issue the representative didn't help me speak to a supervisor either. She insisted that I call all the creditors back. I told her that they told me to call them that they will erase the inquiries if I spoke with a supervisor. 
Obviously nothing was solved I don't like to complain but at this point they are keeping me from bettering myself and is not fair. I also was one of their customers that got a charged off account erased of my report and then a week later they put the account back with out telling me anything about. Why would they remove something of my credit and then put it back. That does not make any sense.
To whom reads, I have account with capital one, I have 2 of there credit cards one of  them for 3 years. Through the years of having that card I always every 6 months ask for credit increase and never receive I constantly get the run arounds and get told over the phone with the company, they say my account is great and pay Bill 's on time and I ask for increase they pass me to another operator ( robot ) answer questions and I'm being told few days later I've been denied but the ( real ) operators tell me I'm eligible to receive increase 3 years still no increase, been stuck at {$300.00} for 3 years! No loyalty at all! 

Also the biggest problem I have had recently ( with month of XX/XX/2018 ) after another day paying my bill off 2 days later I get a notice to check my credit score, Capital one completely screwed me over knocked me down 64 points when I worked so hard every month to earn my points, but they completely knocked me 64 points on my credit score. I worked very hard to earn and my score is very important for me, keeps roof over my head I do alot of investing and need my credit score to provide banks for loans to invest more for me to have a easy financial future. 

To whom reads please help me I've spoken to capital one about these issues and its same old story all the time they cant fix credit score and cant increase me credit. Please help! Thank you very much
In XXXX of 2015 I applied for a home loan through Wells Fargo Mortgage, my loan representative/officer was XXXX XXXX, Branch XXXX, Wells Fargo Mortgage in XXXX, CA. The home I purchased was a new condo being built with a completion estimated at mid to late XXXX, 2015. First off, I had never met XXXX personally so for him to refer to me as bud, which he did often when responding to texts/emails ( if he responded at all ) was very unprofessional. He often ignored texts/emails/phone calls and lacked proper communication skills. He rarely kept me informed of my loan progress and only provided updates when requested and sparsely at best. As earlier stated the completion was set for mid to late XXXX so I had 7 months to get all the necessary information to XXXX. I was always prompt providing the necessary information/docs to XXXX as to avoid any miscommunication/setbacks/delays in the loan process. I asked for updates on a weekly/monthly basis ( which often went ignored ) and I was assured by XXXX XXXX that we were on schedule, at XXXX point he stated we were 2 months ahead of schedule. We were scheduled to close on XXXX XXXX, 2015, but due to XXXX 's inability to perform his job the closing was delayed to XXXX XXXX, 2015. When XXXX was unable to perform his job I requested another XXXX to handle my loan, at which point XXXX stated " you 're not going to want to hear this but no one in this office can do what I do '', at which point I requested his supervisors name XXXX XXXX XXXX XXXX and number. I contacted XXXX at which time XXXX took the lead on my loan process and without XXXX efforts I do n't think my loan would have closed when it did, if at all. On XXXX XXXX, 2015 I received a text from XXXX regarding an issue with the tax rate. During a telephone conversation between XXXX, XXXX and XXXX XXXX stated that the rate utilized by XXXX during loan approval was 1.5 % not the actual rate of 1.9 %. When I informed XXXX that I had provided XXXX that XXXX XXXX openly lied to XXXX and I, stating he did n't know the tax rate was at 1.9 %. However ; XXXX was provided the tax rate information via email on XXXX XXXX, 2015. This lie, XXXX 's inability to perform his duties and his unprofessionalism cost me an additional {$7800.00} in closing costs and placed unnecessary burden on several others who had to work unnecessary hours to insure my loan closed by year end.
Account not being updated. my deposits are n't being  showed to 3rd  party companies to allow their records to be updated
My Fortiva credit card payment is due on the XXXX of each month. I paid my account via by bank 's bill pay feature on XXXX/XXXX/16. The bank verified that they mailed a check to Fortiva on XXXX/XXXX/16. On XXXX/XXXX/16, I received a call from Fortiva claiming that my account had not be paid and asking me to prepay for my XXXX XXXX payment. I called my bank, and they verified that payment was sent and even called Fortiva with me on the line to confirm that payment was XXXX Fortiva rep said that it may take 7 to 10 days for the payment to poast, and she would notate the account that payment was processing. Later on the XXXX/XXXX/16, I received yet another demand for payment call from Fortiva. I was told that I had to set up automatic recurring payments to ensure that my payments are processed on time because check payments do not post for 7 to 10 days even if they are received by the due date, and if the payment has n't posted, I will receive demand calls until it does. I feel that this is abusive behavior by Fortiva in an attempt to force me to set up automatic payments rather than using my bank or paying my mail. Fortiva seems to be holding onto checks and claiming that they have n't been received in an attempt to charge late fees and force consumers to give them banking account information. I was forced to make another payment to stop the phone calls, so I 've essentially paid Fortiva twice this month as my bank has already debited the original payment amount from my account.
I submitted a previous complaint on Transunion and they responded and it was closed. 

According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
I paid Navient for over 11 or 12 years faithfully no break in time believing that I had been on a forgiveness repayment loan being that I had a job in XXXX and for that reason never wavered from leaving the job I worked at since graduating as well as paying month after month and year after year, to be told that I had the wrong loan after over a decade.
My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX. Received notification on XX/XX/XXXX by XXXX  ID monitoring that new Collection has appeared on Experian Report. Collection shows XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. Contacted on XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. CSR was unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. Contacted Experian to make sure was properly disputed as well as to place a fraud alert on my account. Was told by Experian that XXXX XXXX XXXX, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with Experian as I have lived at my current address for 6 years and have never had the alias XXXX XXXX XXXX. Experian dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted Experian to redispute. Experian states that XXXX XXXX XXXX has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with Experian on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and had a similar issue in the past. Concerned that XXXX is using information contained within XXXX breach to attach a debt for XXXX XXXX XXXX, that has a similar name to mine, to my SS #. Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that XXXX is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.
i have been getting calls from CAPITAL COLLECTION SERVICE 3x a day one time i answered my cellphone while at work which we cant use during working hours so I was telling to one of representative i will try to make a payment. Today XXXX XXXX, 2016 they call at my cell phone and call at my work her name was XXXX phone XXXX my supervisor answered the call and now my supervisor told me and says I can not get personal or business call unless if emergency. This is harassment and bullying from CAPITAL COLLECTION SERVICES I could get fired and loss my job so now how I could try to make payment to them if I loss my job..
Problem with J.P. Morgan Chase. 
Our business, the XXXX XXXX XXXX XXXX XXXX, has held accounts and credit cards in good standing with J.P. Morgan Chase since XXXX and until now they have acted efficiently and professionally. 

However, on XX/XX/XXXX, our CPA asked when we would mail payment for his tax preparation. We asked if he had received XXXX # XXXX, dated and mailed on XX/XX/XXXX. When he replied that it hadnt arrived we immediately contacted Chase and placed a stop payment on the check and mailed our CPA a replacement that he received and deposited. 

Out of curiosity I used Chases phone access to see the status on XXXX # XXXX and learned that the check was cashed by one XXXX XXXX who is unknown to us and the original sum of {$2300.00} had been forged to {$5100.00}, which he received. 

Contacting Chase on XX/XX/XXXX, we reached their fraud departments executive headquarters at XXXX XXXX ext. XXXX where XXXX was assigned to our case and sent an affidavit for the payee and us to sign, mentioning a check image would be enclosed. By Friday no affidavit had arrived and he said it was mailed and did arrive the following day. He created a case number : XXXX and said it would require them to contact the defrauders bank to discuss the transaction and it could take weeks or months, unlike their immediate response to return stolen funds when credit card theft occurs. 

We called on XX/XX/XXXX to ask about the missing check image and reached XXXX voice mail stating that he out until XX/XX/XXXX and XXXX, a colleague, stated that our case had been closed without explaining why and said that they can not provide an image of the forged check. It should appear on our next monthly statement that hasnt arrived yet but Chases evading to make good on a stop-payment check that was forged to more than the double requires investigation!
In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, Transunion, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.
I continue to get calls from a company called Enhased Recovery regarding a debt I dont owe, for a person I dont know. My number is unlisted and I can not get a person to answer if I lrt the call come through to ask them to please stop calling me!!
My name is XXXX I am having a considerable amount of issues with XXXX XXXX XXXX   when I called to inquire about loan they said what to bring and where I arrived at the office and was taken care of by a trainee who wasnt quite sure how to do everything XXXX the manager I believe was there but as uninformatice as the other lying to me that this was in fact a title loan if approved I would get a XXXX card which I was not approved so they gave me a paper check which it took me over an hour calling places due to the check looking fraudulent they told me my payments each month which I made on time and then I find out that Ll I have paid went to nothing on my loan this is a scam fraudulent to prey on people who need the money I am dealing with XXXX and didnt need to be frauded lied to or deceived and believe that they need to be represmaded for this it is inexcusable to put less fortunate in this position as I never would have taken the funds had I known this was an interest only loan I then requested to change date as it interferes with my rent I am on XXXX only and not married my roof over my head comes first but they refused to accommodate my need to change the date by one week I spoke with many people working for this company and a different story always in 2 days my pay off went from XXXX to XXXX and each payment made increases the loan I am sick over this mainly due to being lied to and scammed into accepting something I should have never received due to my status
We are receiving calls daily from a company called, Pioneer Credit Recovery.
Their number is XXXX. I finally called them because they would not stop calling. The recorded message sounded shady so we never called the number until we finally had enough. I spoke with someone named XXXX. He asked me if the number I was calling from was this number. Then mention me by my first name, but then asked me for my name. I asked him why he did n't know my name since he knew my first name. He then said they we were listed as a possible landline number linked to a person that we have never heard of. They 're look to collect for her apparently. I told him to take us off of their call list, and if they continue I would report it to the FCC, ( not being sure which federal agency would be able to help me ).
He, ( XXXX ), then accused me of threatening him by saying that I would report his company to the authorities, FCC or now FTA. Through additional searches on the internet I found many other who have been wrongfully contacted by this company. This to me is unscrupulous and probably illegal. I do n't want to receive these calls anymore. I have no debt other than my Truck payment, which I am way ahead of. Can you please help me and the other like me?
I continually get harrassing phone calls from a company called the NP group, and the phone numbers they call me from are phone number associated with companies who are on the FTC 's banned list. They claim that I took out a payday loan in 2011, which I did not. I have never taken out a payday loan in my life. They tell me that there are charges going to be filed against me and my husband for fraud and that if we do not pay them, they are going to have police officers show up at my house or my place of employment. They also call numerous family members and leave messages of this nature on their answering machines. I have several of the messages saved to my cellphone that they have left. I have asked them numerous times to stop contacting me by phone, and that if they believe it is truly a valid debt, to send me paperwork in the mail to substantiate that. That question only leads them to cuss me out and call me every name under the sun that I will not repeat.
In XXXX of 2016 a formal notice of dispute was sent certified mail to Bank of America demanding the validation and verification of an allege loan debt, Bank of America failed to respond. In XXXX of 2016 a second notice was sent demanding validation and verification of an alleged debt, Bank of America failed to validate the debt. in XXXX of 2016 a third notice was sent and Bank of America did not validate nor verify the debt. 

Bank of America is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Bank of America is harassing me, conspiring to defraud me out of my property, and violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Bank of America continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under Frauds and Swindles laws. Bank of America is sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my credit report and noticed Bank of America published negative remarks to all XXXX credit agencies. This is defamation of character and a violation of Fair Credit Report Act
When borrowing from Navient we were informed that there would be various repayment options, that they would work with us to make sure we can afford payment after graduation. Now that I have graduated and am looking for help with repayment ( specifically lowering my monthly payment ) there is " nothing they can do. '' Each representative we have spoken with is rude and takes no interest in helping their consumer. My cosigner and I were told separate things by separate representatives -- one taking information to help accomplish an income driven payment system and the other informing us there was no option for income-based repayment. When asking to talk with a supervisor, I was denied such privilege and was told there was nothing they could do for me. I have never been treated so poorly and lied to so blatantly by a company. They promised to help with repayment after graduation and when that day comes show absolutely no interest in helping their consumers. They would rather consumers default on their payments than make any sort of payment.
My school, XXXX XXXX XXXX of XXXX XXXX, Tx filed for bankruptcy after going to court for an abrupt closure due to mishandling of student funds. Court is in process for the school closure. But due to this I have been left with a loan on my name that I need help clearing.
Despite numerous attempts to resolve the issue with these extortionists they refuse to provide me with adequate proof required under law that the debt actually belongs to me. First and foremost at the time of the alleged debt I was fully insured by XXXX XXXX and had no debt owed to any hospital as far as I know. I have asked memories times for Proof since my wallet had been taken that year, a report made with the police and was fully employed and insured at the time of the alleged debt. 

XXXX  must honor there non compliance issues by following the law as well. If the can send me my signature on the paperwork that outlines the debt I would be happy to let it go. I have moved since then and had received nothing on the mail to constitute the recited bad payment history as well.
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
I notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
To Whom It May Concern : Comenity- My XXXX XXXX XXXX XXXX XXXX 2017 This is customer, account ending # XXXX .... I just finished a conversation with XXXX XXXX XXXX XXXX XXXX phone number, Account Manager XXXX # XXXX and Floor manager, XXXX # XXXX, about my interest charges. We make our payments on time and pay in full every month. I was told that we are being charged interest on the purchases made between the closing statement date that are NOT on the statement or reflected in the amount due. ( Trailing interest )??? If the amount due is paid in full and received on time, HOW IS THIS LEGAL, to charge interest charges which ARE NOT on the statement. I was told that I could call every month to see what purchases that have been made and the amount owed in addition to the STATEMENT AMOUNT in order to avoid interest charges. These terms and conditions, stated by the account manager, were changed in XXXX 2017 without my consent. Thank you XXXX XXXX XXXX XXXX XXXX XXXX
was to have forbarance in 2016 till i got on my feet but before i knew what happened it was transfered and the reported negative on credit reports it over 14 yrs old and have not been notified to what office its in, to even have a chance to make payment to clear it up,
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Numerous calls to myself and family members saying that there is legal action being taken against me and the local sheriffs department will be notified. Phone number is XXXX. They have even started to call family members employers.
I bank with State Farm Bank. Last night my debit card was declined for insufficient funds. I checked my balance using the most recent version of the State Farm Pocket Agent app for Android ( version 5.3.0 updated on XXXX XXXX, 2015 ) and it showed sufficient " available '' funds. It turns out that the dollar amount shown in the app is actually the " current balance '', but the description of the dollar amount the app gives is " available balance ''. ( I double-checked this against the website and the website showed the correct " current '' and " available '' balances ). This app has over one-million downloads.