WillisBack/dataset-financial-user-claim huggingface dataset:
Dealing with Experian is like pulling teeth! I am tired of them ignoring my disputes and saying they " respectfully deny your request '' regarding deleting inquiries. They stated in a complaint response to me regarding these illegal inquiries : " The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. '' WHO WERE THE INQUIRIES MADE BY, Experian??? You don't even know, nor do you have proof! You are NOT supposed to keep false, unauthorized information in people 's credit files and wiping your hands clean as if you have nothing to do with it! These inquiries are affecting my credit report! Experian, you say " factual record '', but please tell me how an inquiry I DID NOT AUTHORIZE is factual, let alone verified & legal. JUST BECAUSE AN INQUIRY IS REPORTING DOES NOT MAKE IT MINE or legal. Addresses, dates, and account amounts are ALSO " factual record '', but if any of that info is incorrect, false, unverified, etc, then " PURSUANT TO FEDERAL LAW '' THEY MUST BE DELETED! Experian even admitted in their response to my CFPB complaint ending in XXXX that THEY DON'T EVEN HAVE APPLICATIONS FOR THESE INQUIRIES. They are the reporting company, yet THEY HAVE NO PROOF NOR DO THEY DEMAND PROOF FROM THE REPORTING COMPANIES. This is negligence! Experian, are you telling me that " pursuant to federal law '' INCORRECT, ILLEGAL, FALSE, INVALID, UNAUTHORIZED information, including inquiries " must remain '' even though they aren't mine and are illegal??? Furthermore, what's also illegal and a violation of 'federal law ' is the fact that you all DID NOT EVEN INVESTIGATE THESE ILLEGAL INQUIRIES. I demand that the inquiries are deleted immediately. They are NOT MINE, NOR do they even have permissible purpose to be there! I've already contacted the companies and you both are telling me to contact the OTHER!
In the middle of XXXX this year, I received a text from the Citicards Fraud Department. I immediately called that department to investigate what was going on. They informed me that there were some charges on my account that 'they ' suspected were fraudulent charges. When I logged into my account on line I immediately noticed that there were XXXX ( XXXX ) charges that clearly indicated that someone used my credit card to pay New Jersey XXXX. I was told by the dispute department that they closed the account and issued a new card. I was told that when my XXXX XXXX, 2016 statement would reflect that these charges would be subtracted from the account.
In the year of XX/XX/XXXX, I was having great difficulty making payments after Navient, XXXX XXXX at the time started requesting me to pay after I graduated. I could not afford the monthly payments and asked them if it could be lowered. Customer serviced explained my only option was to go into forbearance. With this option all payments will be stopped for a period of 6 months. They explained that {$50.00} would be applied as a fee and is non-refundable if I am approved for this " program. '' After 6 months, my payment increased to {$250.00} and I entered into forbearance again because I still could not afford it. And was only paying the minimum {$50.00} towards interest. Even so, my balance still increased significantly. For the past 4 years I have been in forbearance because of there being no other option to lower my payments. A loan that I only borrowed {$31000.00} has increased 100 % in 4 years to {$61000.00}. I sent in paper work back in XX/XX/XXXX of XX/XX/XXXX to Navient to request lower payments based on my income, but I was denied with no explanation. It is now affecting my credit because I have no way of paying {$800.00} per month. I have minimum amount of {$7000.00} due and in serious trouble of this going DEFUALT. I tried talking to companies to help consolidate or help work a settlement to lower my balance but nothing seems to work in my favor. Please help!
The bank JP Morgan on the recording on the phone number on the back of the credit that was given to me from JP Morgan stated that I owed XXXX on my account on XX/XX/2018 I sent XXXX XX/XX/2018 XXXX XXXX XXXX  JPMORGAN CHASE PAYMENT $ XXXX- copied from my personel Bank XXXX . I have asked JP Morgan about the funds and they don't know anything about it, then I asked why do I have a credit- JP Morgan said they don't know why, so I have requested my XXXX  back and they have given me the run around.
On XX/XX/XXXX I sent a registered letter to TD Auto Finance registering a dispute about the account they have listed on all 3 credit monitoring companies. I disputed two things ; first a 30 day late and the second as the account was charged off. I asked for validation bearing my signature showing that I even had a contractual obligation to them. 

I did receive a response from them with some signatures that were copied but could not be verified. That letter did not list my obligation to them as I have never signed an agreement with them for payment for anything. 

On XX/XX/XXXX I sent a second letter, again disputing their reporting to the credit bureaus with the same result. Neither time did they list with the credit reporting bureaus that this was in dispute which is in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Agency.
I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.
On XXXX XXXX, 2016 I received an alert from XXXX stating that a new collection account was added to all XXXX of my credit bureau credit reports. I saw the name of the collection agency and I never received anything from stating that they were collecting anything. And also they are collecting for XXXX and I never had XXXX. If they would have communicated with me I would have been able to dispute the collection and send them the police reports and FTC affidavit. I have been victim of identity theft and this is another account that is part of it. I have attached my police report and FTC affidavit which includes Convergent Outsourcing
I called to increase the limit for a withdrawal out of my Coinbase account from XXXX to XXXX. A person answered and helped to assist me. 

I just noticed that instead of assisting me he stole XXXX XXXX {$9800.00} from my account. 

He initially said he was initiating withdrawal to my bank and I had XXXX XXXX XXXX account and to expect the money shortly. I had no reason to doubt that I was being conned or scammed. 

He disconnected the phone call around XXXX and never answered again. 

His phone number is ( XXXX ) XXXX and he went by the name of XXXX XXXX. 

His location is in XXXX NY Coinbase California, XXXX XXXX, United States XXXX XXXX United States of America California XXXX XXXXXXXXXXXX wwww.coinbase.com Are there any other witnesses or victims to this incident? 
XXXX XXXX XXXX representative was on the phone during the conversation on a 3 way call If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
XXXX Police here in XXXX and XXXX
I have a checking account with PNC. I withdrew my funds earlier this month ( on XX/XX/XXXX ), with the intention of closing the account immediately thereafter. 

However, PNC does not allow consumers to close accounts online or via email. You can ONLY close an account by calling during their business hours - which is ridiculous. Their phone lines were also unavailable for the XXXX XXXX holiday weekend. 

Because their phone lines are not available 24/7 & long hold times during their operating hours : I was not able to reach a phone representative until today ( XX/XX/XXXX ). Upon calling to close the account, I found out they charged me a low balance fee yesterday ( XX/XX/XXXX ) for the month-ended XX/XX/2018. 

They refused to let me close the account today ( account # XXXX ), and refused to reverse the fee that they posted - despite the fact that it was caused by their decision to only make their phone lines available for limited hours & eliminated the option for consumers to close their accounts online. Its almost as if PNC wants to make it harder for consumer to close accounts & easier for PNC to slap consumers with fees ... 

TLDR version : PNC doesnt allow consumers to cancel checking accounts online - only by phone. Their phone lines have limited hours. They charge fees when you cant call them during their phone hours. Refuse to let me close the account when I finally get through their hold times & am able to call during their phone hours.
I have received my credit report from Transunion, XXXX, and XXXX. I have contacted XXXX XXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to Transunion and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
I work as a XXXX. I disclosed to 'cash call ' that the phone number being called was a XXXX phone number. I confirmed the person they are calling for does work for this department. I am aware other XXXX have made similar requests. I requested XXXX ' delete the number from the system as it was being made illegally. 

XXXX was XXXX that 'the call was illegal '. I called back and followed up with XXXX 's supervisor, " XXXX XXXX '' whom informed me she would listen to the phone call and talk to XXXX '. I requested no more phone calls be made to the number listed as it is a XXXX number.
I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XX/XX/XXXX XXXX XXXX closed my account. I started to get monthly deductions on my my military pay ( LES ). I have the LES that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my LES XX/XX/XXXX it shows the balance owed to the XXXX XXXX at XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter saying that I had a balance of XXXX. owed on my XXXX XXXX and they were collecting it. I informed them it was paid off and had my pay stubs ( LES ) to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XX/XX/XXXX to XX/XX/XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XX/XX/XXXX XXXX XXXX took my wife 's and my XX/XX/XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my military pay statement deductions. If it turns out after making the comparison between my LES 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company Transworld Systems. Can you please help me?
My mortgage is with CMG Financial and they are violating my HIPPA rights and the California Homeowner 's Bill of Rights by dual tracking. <P/>Due to a XXXX medical diagnosis in and treatment I had fallen behind in my payments. <P/>In XXXX of this year I submitted a loan modification. CMG had a sale date of XXXX XXXX. I was told my paperwork was complete and the sale date was postponed. <P/>I was later told I needed more documentation and that was sent. <P/>Again, told my file was complete. Again then asked for more documentation. <P/>All the while my primary contact at CMG was impossible to reach. When called I 'd always get her voicemail, left messages but never a return call. The exception being on a Saturday when she left a message. I called that day, again voicemail. Called again twice the following work week with no return call. <P/>The cycle of my file being complete followed by more requests continued. This past XXXX I again was told all documents were in but just today ( XXXX XXXX ) I was told I needed updated documents as they were expired with dates from XXXX. These documents were sent in XXXX ( I have a fax confirmation ) Additionally they asked for my medical documentation ( doctor bills, prescription invoices and the like ). I told them this violated HIPPA. They still insisted. <P/>They also continue to hold my current sale date of XXXX -- just next week! regardless of the fact it violates the CA Homeowners Bill of Rights by dual tracking.
<P/>They have left me completely frustrated. By stalling in their decision making, they then request updated documents. They are always provided promptly by me but ignored or lost. We continue to go in circles with no relief in sight for me. This has made my recovery all the more difficult due to the stress they have created.
I have exhausted all avenues with Experian to obtain my credit report online. I have been unable to purchase the report online and have been unable to contact them by phone. This is a simple request that should be easily handled. I have obtained my credit reports from XXXX and XXXX without any problem. I am working to dispute information on all three of my credit reports and this issue with Experian is causing me great inconvenience.
I got an email saying I need to update my information on a bank website but I do n't have an account with that bank. I feel that someone tried starting an account with this bank with my name. I 've kept the email just in case and the attached pictures are screenshots of the email on my phone.
XXXX and XXXX are reporting duplicate accounts for the same account that has been paid in full.
My address is incorrect on my credit report. I called all three national credit bureaus. Once, I was asked the security questions, in which, were answered correctly my address has still not been updated to reflect the correct address on XXXX of the XXXX leading credit bureaus. Those bureaus who did not update my current address is Equifax and XXXX. I am attaching the proper documentation to update my credit report. I would like my employer to be added to my public file also.
Ditech financial has been giving me bills that change the amounts at least twice a month. They have also added fees to my mortgage account and have not applied my payments correctly and do not answer my complaints except with " we have received your complaint and it is under review '' The last answer I got stated that they felt they answered all my questions previously, that came from a paralegal. I am so frustrated with this company. I am attaching my latest correspondence.
I received a collection notice from Solomon and Solomon P.C. of XXXX XXXX XXXX, XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX loan that was apparently originated around XXXX. I have not received any information about the original loan, no copies of the original loan application or documents and no proof that this loan is indeed my responsibility, but it is certainly not my personal debt since I have n't been a student since XXXX. I have helped my XXXX sons get through college, however, and XXXX of them did attend college in XXXX until XXXX, but again, I have n't received any original loan information, so I have no way of knowing if this is his debt. All I have received is collection notices demanding {$22000.00} of which they now claim {$21000.00} is principal and {$430.00} interest. In XXXX XXXX, they claimed {$12000.00} was principal and {$7500.00} interest. In XXXX, they raised the interest to {$7800.00}. So now they 've changed the interest due into principal due. 
Secondly, in XXXX XXXX, Solomon and Solomon served me with a Civil Summons for which I had to file an " Appearance '' with the " CLERK, SUPERIOR COURT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX '' by XXXX XXXX, XXXX, which I did. I also sent Solomon and Solomon a copy of my " Appearance '' form. They then asked the court for a " Motion For Default - Failure To Plead ''. The court responded thus : " The foregoing, having been considered by the clerk, is hereby : ORDER : DENIED. The person sought to be defaulted is not a party to this case ''. Then on XXXX/XXXX/XXXX, Solomon and Solomon filed yet another " MOTION FOR DEFAULT FOR FAILURE TO PLEAD '' with the court against me for " failure to file an Answer in this matter ''. I have n't been asked to plead to anything. The only action requested of me was to file an " Appearance '' by XXXX/XXXX/XXXX. Since I have n't been told anything about the original loan and nothing about how I may have acquired this debt, I consider this not only heavy-handed, but also a devious tactic because they are requesting something that has already been denied, perhaps in hopes that the court will inadvertently contradict its prior ruling. 
XXXX, I am considered " Totally and Permanently XXXX '' by the XXXX and also by the XXXX. To continually harass a XXXX American over a debt he knows nothing about is outrageous. I am considering what options I may have against Solomon and Solomon for their intimidating tactics and constant correspondence demanding more and more money including attorneys fees and absurd interest charges ( that somehow turn into principal debt ). 
I will gladly forward copies of any paperwork I have regarding this matter as well as proof of my XXXX status. Thank you for taking the time to review my information. Please help me if you can.
I was trying to make 1/2 a mortgage payment each time I got paid ( bi-weekly payments ) starting XXXX 2016. This was paying early, but I wanted to even out my bi-weekly budget and wanted the payment to come out early in the period. For payment due XX/XX/XXXX and late XX/XX/XXXX, I was paying 1/2 after XX/XX/XXXX the previous month, with the 2nd half paid after XX/XX/XXXX - so that the second payment would be received by the mortgage co. shortly after the XXXX. 

XX/XX/XXXX I got a call about being past due. I explained the situation and was told it would be fixed. I made an effort to pay 5 days later than I had been doing thinking that might help, but then I got a call XX/XX/XXXX saying I was past due. I agreed at that time I would not pay 1/2 payments anymore, and was told it would be resolved by XX/XX/XXXX. As of a late notice dated XX/XX/XXXX, I am late a full payment ( not just 1/2 ) as well as having late charges in the amount of {$99.00}.
This was originally a debt from " XXXX XXXX XXXX '' whom would not give me a Itemized bill. Part of the bill was itemized but at the bottom was a charge for " other charges '' I asked them many times for a itemized bill, when they would not sent one I told them I would not pay anymore. The debt was sold to " Bay Area Credit Services '' whom contacted me repeatedly with offers to settle the debt for a lesser amount. I explained that I would pay the bill when I received a itemized bill. They sent me a new bill which was not itemized either, in fact it was less itemized then the original. I again explained that I would pay when I received a proper bill. To this day I have yet to receive one. The debt was reported to the Credit Agency 's and now I have a negative report on my credit. I do not believe this is a fair business practice and NO ONE should have to pay charges that are not given. " other charges '' tells me nothing. Nor do I think they should be able to impact my credit standings, It is just not right! I still have all the correspondence and bills regarding this matter.
CITIBANK STILL OWE ME {$200.00} BECAUSE I OVER PAID THEM.I SEE THAT THEY HAVE DELETED SOME OF MY INFORMATION TO SUIT THEIR GREED..I WAS WAITING FOR A REFUND CHECK WHEN INSTEAD I SUDDENLY RECEIVED A CITI BILL FOR XXXX XXXX.I ACTUALLY STILL HAVE CITI STATEMENTS PROVING MY POINT.MY ONLINE CITI ACCOUNT HAS BEEN CHANGED SEVERAL.I HAVE PAPERWORK SHOWING THAT THEY SUBTRACTED INFO AND ADDED CHARGES TO MAKE A POINT THAT I MUST PAY OR I WILL RUIN MY CREDIT IF I DON'T.I AM WRITING YOU TO AVOID THAT FROM HAPPENING.I HAVE ALREADY FOUND THE EXACT SAME COMPLAINTS ON THE CONSUMER WEBSITES.I HAD NO IDEA THAT CITIBANK WAS A SCAM.I NEVER WOULD HAVE APPLIED FOR A CREDIT CARD, IF I KNEW BETTER.I HAVE FINALLY BUILT MY CREDIT UP, AFTR A LIFETIME OF IDENTITY FRAUD FROM UTILTY BILLS ALL THE WAY TO TAX REFUND FRAUD ISSUES.I AM VERY HURT AND DISAPPOINTED THAT CITIBANK WOULD SINGLE ME OUT TO CHARGE MONEY I DO NOT OWE..ANYWAY THAT YOU CAN HELP ME, PLEASE DO.THANK YOU IN ADVANCE.
I owed a debt for a motorcycle t o Midland Credit Management,  acct #  XXXX  that they acquired fro m   XXXX   XXXX   se veral years ago. 10 months ago, the account was settled and I requested the title for the motorcycle. They would not send it. After a couple months, they informed me I only needed to fax a letter requesting the title with the motorcycle VIN # and that I would get my title in 30 days. I did so on  XXXX   XXXX ,   XXXX  , and supplied a copy of the initial registration as well. I also had them change the address to send the title as well because I moved recently. After not receiving the title, I called about it and was told I did not send the letter. The story hanged several times while on the phone. Initially, they said they had received the letter, then I was told it was illegible, and finally that they never received it at all. They did, however, change my address on file to the one I requested in the letter, so obviously they received it and it was legible. They are still refusing to send me my title even though they have not held a lien on the vehicle in almost a year.
A collection agency keeps re-aging an old account each time I speak with them about it. I 've been disputing the charges because I feel that I do n't owe them.. We had no settlement agreement at all.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged balance owed : {$660.00} Original Creditor : XXXX
Capital One offered a credit card & I accepted. I had a good history for several months & then I moved. Notifying them online of my new address. I received a call from a toll free number. I was told it was Capital One & they needed to verify personal information over the phone. I refused & asked to speak to a supervisor . In that process I was disconnected. I tried calling back a couple times BOTH TIMES being disconnected.  <P/> My account was locked out as under possible FRAUD because I refused to give personal information to someone calling me claiming to be from the credit card company & I had no way of verifying that. I finally moved ag ain, back to my original address on file when I opened the acct. I chatted via the cap one website, they asked a few questions to verify me. THe chat box said verfied but I had to contact another dept to unlo ck my card. After some time I connected & was told provide photo ID with the address that matched my acct. I did that days ago! I am still locked out & they claim FRAUD!  <P/> They were trying to force me to share private information in a dangerous setting and I want everyone to know how stupid such actions are! They lost all this business because another bank provided a better card & I just use them!
* My reports continue to incorrectly show me 30-days past due XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my Ford Credit account. 
* Attaching letter dated XX/XX/XXXX requesting correction of these items including supporting documents, i.e. bank statements showing no interruption in payments for period XX/XX/XXXX-XX/XX/XXXX. 
* As of XX/XX/XXXX, I have not received a response to my XX/XX/XXXX letter. 
* REQUEST : Please help me get these items corrected on my credit reports.