WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
I sent a wire to completely pay off my morgage with Ocwen to their bank ( XXXX XXXX ) using the routing and account number they provided me in XXXX 2014. They stated that the name didnt match the account and XXXX XXXX refused to give me my money back and Ocwen has bullied and intimidated me ( an XXXX woman ) into continuing to make payments and refuses to apply the {$4300.00} to my mortgage balance. I am sick of being tortured and taken advantage of by Ocwen, they are truly an evil corportation that apaprently enjoys bullying and swindling XXXX women out of their money.
I borrowed {$1000.00} and got lender tried to charge my account for over {$3000.00} without my permission.
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report.

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, XXXX and TransUnion, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.
I was unaware of a {$74.00} medical debt owed from XXXX for dental work performed. I received a call from QAR Collections in XXXX NJ ( XXXX ) stating that I owed this debt and asking me to make arrangements to pay. I advised that I was unaware of the debt until recently when I saw my credit report on XXXX XXXX stating the amount owed was {$86.00} to a XXXX collection agency. I advised QAR that how could I owe XXXX agencies for the same debt and a debt I was unaware of until XXXX/XXXX/XXXX. 

QAR 's XXXX ( no last name provided ) stated possible debt was sold to both agencies. He gave me QAR 's website to make a payment and would not re-send any debt validation. In addition, he re-assured me that no credit bureau reporting had occurred. I disputed the debt on my credit report for XXXX and it was immediately removed by XXXX and XXXX and is still being researched by XXXX 

On XXXX/XXXX/XXXX, I spoke again with XXXX at QAR and advised that the debt was removed from my credit report for XXXX and that in analyzing QAR 's website, I could not pull my account information and their website was unsecure and I would not be willing to make any payments or submit anything on such a site. I again demanded a debt verification letter and he refused. I advised that I wanted something to prove the debt because I was unaware of the debt, had XXXX credit bureau agencies remove the record and their call tactics and website made me leery of paying such debt. He stated that he would have to ask his " director '' if he could re-send the debt validation or other notice. The next day, XXXX/XXXX/XXXX, QAR reported to the credit bureaus. I had it removed from XXXX and have disputed it with XXXX. It was not reported to XXXX
By mistake I made a payment to a closed credit card account. The closed account is U.S. Bank account number XXXX XXXX XXXX XXXX. The overpayment was for {$400.00}. U.S. Bank will not refund the overpayment and I have asked 5 times on the phone and twice via a letter. Three ( 3 ) months and no money.
Transunion was called and told that my payment with my loan were on time and never late once. Now they have changed it to all late and every payment late. I spoke with my bank and they said it 's transunion because they called and told them all payments were on time. And not XXXX payment was late. I think something is wrong with transunion because they made my moms credit drop and changed all her payments to late as well. Then when I called to complain I was told I would have to pay them XXXX to have my correct credit score. One agent told me that they saw it was reported wrong another agent said they could n't see I told and then another agent said that when I pay the XXXX it 's a different report and score than what 's online.
EQUIFAX is the company. 

They have confused my identity information and blocked the credit profile with them and noted it as a fraud alert. I started XX/XX/XXXX calling, speaking to people, faxing, and mailing. When we spoke to Equifax on XX/XX/XXXX and they told me all we needed was to create a profile with them which I did with them. Then on XX/XX/XXXX when our mortgage company said the problem was not fixed I spoke to Equifax again and they told me to send a cover letter, copy of license, and copy of social security card. I first faxed them the required documents to verify my identity XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We mailed the paper work XX/XX/XXXX regular mail and sent it certified mail that arrived XX/XX/XXXX @ XXXX. Weve called countless times throughout this time to verify that they received it these documents and to find out when they would resolve it. Weve had their employees say that they were still waiting on the documents and others saying that they did not have them after they told us they did and after it was sent certified. Weve also tried speaking to supervisors but they also been just as unhelpful in resolving this frustrating issue as we need this removed to buy a home.
My ex-wife claimed bankruptcy a little over two years ago. Included in the bankruptcy was a XXXX XXXX in which I was a co-signer. As a result of the bankruptcy, Ally started to report " late payments '' on my credit report. Which was a lie because they were receiving " on time '' payments through my ex-wife 's bankruptcy. My ex-wife 's lawyer contacted Ally directly. Ally agreed to stop reporting late payments in which they did. However, now they refuse to go back and correct the previous months. As a result, my credit score is low. I'm wanting to refinance my home and now I can't. 

Thank you.
Diversified Consultants apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XX/XX/XXXX, and they have reported the debt again as a negative item this month, XX/XX/XXXX. I have n't had a XXXX XXXX account since XX/XX/XXXX. I have had no recent account with them. The balance that was owed from XX/XX/XXXX was included in my Ch. XXXX bankruptcy filed in XX/XX/XXXX. I suspect that what Diversified Consultants and XXXX XXXX XXXX ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
I 'm still in school getting ready to do XXXX ca n't find a job anywhere. I 'm getting harassing phone calls I have told them I do n't have an job but they do n't care. I attend the University XXXX XXXX XXXX XXXX XXXX XXXX dad has lost his job 18 years his department has downsize he 's XXXX years old his lost everything house in foreclosure, car been reported, he just got out of the hospital XXXX. He 's was going to help me pay loan back but he ca n't find work because of his age.If anything happens to him I could n't bury him.
I had a phone bill on XX/XX/XXXX when the XXXX send us to XXXX, the account were Paid and closed. XXXX sold this account to multiples collections agencies. Damaged my credit report. I amdispute this account because the credit bureau supposed remove and delete on XX/XX/XXXX. Now I recieve multiples letters threatening me, from differents agencies push me to paid the same account, that the FCRA Law establishes they I get punished for 7 years allready completed by law. They have diferents account thats are not mine. And they said they gona damage my credit againg for the same issue. I am free of this account because they punished me during a lot years.
I called Transunion twice now about their inquiry issue and the rep XXXX XXXX told me he was unable to comment on XXXX and the inquiry issue that I needed to refresh my browser. I put a freeze on my credit because I did n't know what was going on and i called them again to report this and their Customer Service would not help and take care of the negative inquiries reporting to your credit report.
XX/XX/XXXX I WENT TO TARGET TO MAKE A PURCHASE WITH MY XXXX CARD AND IT WAS DENIED. ADVISED TO CALL THE ACCOUNT MANAGEMENT NUMBER WHICH XXXX, SPOKE WITH A MANAGER NAME XXXX IN XXXX AZ ID NUMBER XXXX, HE INFORMED ME TO CALL MY BANK SO THEY COULD HEAR MY ACCT INFO ADVS IM NOT BECAUSE A PYMT WAS MADE ON XX/XX/XXXX, AND FUNDS CLEARED MY ACCT ON XX/XX/XXXX, HE ALSO ADVISED THAT IT SHOWS MY CLEAR MY ACCOUNT PYMT WAS CLEARED. HE ADVS ONCE I CALL MY BANK AND HE HEARS MY BANKING INFORMATION THAT MY CARD WOULD BE ACTIVATE AGAIN. I REFUSED THEN ASKED FOR HIS SUPERVISIOR HE REFUSED TO TRANSFER ME TO HIS SUPERVISIOR OR GIVE ME THE COPR OFFICE NUMBER. I ADVISED HIM ITS AGAINST THE LAW AND HE STILL REFUSED ALL INFORMATION. HE ALSO REFUSED TO GIVE HIS LAST NAME AS WELL.
I have been dealing with debilitating medical issues since six months after graduating from college. I applied for XXXX clearance of my loans through SallieMae and was denied the first time around. I filed a complaint and within a week was asked by SallieMae to send in a new XXXX application. As frustrating as it was to have to ask the doctor to again fill out paperwork that she had already filled out I complied. My account was apparently placed on an administrated forbearance while the application was processed. However, I was not notified that this was the case ( and my elderly grandmother, who is the cosigner, kept receiving calls and mailings asking for payments, which she made ). After waiting for months for information on the application I received a bill for a very random amount. I called to inquire and after being put on hold for almost an hour and being transferred four times I was finally informed that my XXXX application had been approved. They told me to ignore the bill that everything would be cleared by the following week. After speaking to my grandmother I found out that she had made a payment of several hundred dollars just a few days before and the money was taken despite the XXXX application having been approved!!! It has been a few weeks now and I just received a statement that my monthly payment of more than {$500.00} is due in XXXX! I just called and was informed that I should just ignore it and that it should be cleared before the payment is due. I will try to explain this to my grandmother ( who is nearly deaf ) and hope that she does n't pay the bill again. The customer service and communication of SallieMae has been both manipulative ( in taking advantage of my Grandmother ) and lacking ( as no one informed me even when my XXXX was approved )!!!
I made additional deposits to my mortgage at XXXX and asked for my PMI to be dropped. I paid for and had completed I be removed in their appraisal and they told me the PMI would be removed in XXXX But they were " backed up ''. It was not removed and I placed several calls and emails. They promised to call me back and never did. 
I believe this is a stalling tactic designed to keep charging me unnecessary PMI. I have more than {$90000.00} in equity in the house XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX Thank you.
I am constantly receiving calls from this company about a debt I know nothing about. I have requested they stop contacting me because they call before XXXX Now I have received a collection notice that states they have not heard back from me and the unknown debt of mine is steadily gaining interest. It appears to be for a hospital bill when I have double coverage and I am a recipient of XXXX.
Three years ago, roughly, I partially applied for a loan at XXXX XXXX. As the final step the woman on the phone wanted to have a recorded conference call with my bank, XXXX XXXX XXXX. The bank rep asked some pointed questions, and I told them thank you, but I did not want the loan. No money was put into my bank account ( The bank closed and I can not get records now ). XXXX XXXX has declined to provide proof of their supposed deposits, and their own phone recording has me repeatedly saying " NO '' ( the woman would n't get off the phone and I finally hung up ). 

They became a nuisance in attempting to collect a non-loan, and I filled a police report with the XXXX County Sherriff 's Dept. in 2014. 

Now I am getting calls at work from National Credit Adjusters, XXXX.
Representative from this agency called my mother threatened to take legal action against me if I didn't call to make arrangements to pay off debt when I kept explaining I was out of work at that moment. I explained I'll be more than happy to make payment plan but I needed time to find a job. The representative kept pushing and tried to involve my family to help me pay off this debt. I finally agreed to a payment plan and she kept threatening to take legal action for a payment I wasn't able to make on time and repeating office getting fee for returned payment. I made them aware of my financial situation but they insisted on having me enroll in a payment plan when I was out-of-work. I'm very disgusted by their intimidation tactics. I'm not refusing to pay. I'm doing my best to catch up with my financial situation.
I received a phone call from ShellPoint Mortgage Servicing on XXXX at XXXX asking me to verify personal credit information and they referenced me to my previous foreclosed home at XXXX XXXX XXXX XXXX XXXX Il XXXX. The company Shellpoint mortgage servicing also know as Resurgent XXXX Servicing was a company inwhich I had a second mortgage and I filed Bankruptcy on or about XXXX inwhich the debt has been wiped out. 
They continue to call and harass me when they had a copy of my credit report which verifies and shows that I filed bankruptcy and the debt had been dismissed. I told them to stop calling me and harassing me to put me on their do not call list but they continue to call and harass me.
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
I have disputed the late payments on thisXXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car for XXXX
This letter is in regards to filing a complaint against Chase Bank. I have a Mortgage with them. They took my loan over from Wamu Bank in XX/XX/XXXX but per my creit report is says Chase has it since XX/XX/XXXX Since the change of banks there are several problems with this bank, Listed below are my complaints,1, They are miss applying my payments, See examples attached. I am paying extra escrow and they are not applying. it along with some payments Have sent receipt showing how much they show receivng but is not the amount applied. Want these funds back and the payments not applied to be applied2.When I started my loan with Wamu my loan was XXXX XXXX 5 years later it was XXXX XXXX. No one wants to explain this to me. 

3. Have paid extra funds towards my escrow, but it is not applied to any accounts please see examples. also dose not show the over paymentsSuspense AccountsAs the name suggests, a suspense account is an account set up by a mortgage servicer to hold a borrower 's funds in a suspended state until it decides how to allocate them. Suspense accounts are used primarily when the borrower XXXX a partial or incomplete payment, though it can also be utilized if you overpay as well. 

4.Shows many payments in suspense do not understand where these payments are going they are not and were n't short paid at any time. 
Misapplication of Payments or Inaccurate AccountingOne of the duties of a mortgage servicer is to collect and process payments from the borrower. However, in some cases, a mortgage servicer may : improperly apply funds ( in violation of the terms in the mortgage contract ) ignore a grace period, and/or fail to credit funds to the accountBank in question Wamu and chase Please look at all information attachedXXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXXLoan number XXXX
This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.
Discharged chapter XXXX should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.
I was charged a late fee for paying too early. In XXXX 2015, I made a credit card payment to Capital One. The payment arrived at Capital One on my statement closing date, so instead of applying it to the correct statement, they applied it to the previous statement and declared me past due when the payment due date arrived. I was charged a late fee and had my account suspended even though I paid EARLY!
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have repeatedly disputed erroneous information on my Equifax credit report that has adversely affected me and my credit worthiness. XXXX XXXX XXXX has re-inserted an account that was previously deleted by Equifax due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with Equifax and the CFPB directly, which has still not resulted in acceptable resolution. Equifax is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for XXXX XXXX XXXX ( XXXX ) has the following issues with their reporting : 1. Clear  violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2.  Creditor classification is listed as Banking - XXXX is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that XXXX is verifying this information and it's accuracy with the original creditor then? 
4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with XXXX 5.  Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is XXXX verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from XXXX! 
7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted. 
8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per Equifax 's own reporting. This should be deleted.
I have setup an auto draft for one of my student loans ( Perkins Loan being collected by XXXX XXXX ) which was only {$40.00} a month. In addition to that, whenever I could I made additional payments more than the required monthly payments to pay off the loan faster. However, few days ago when a mortgage lender pulled my credit we noticed that I have few late payments on my credit record all from this account. 
I called XXXX XXXX and for days they were not responsive and instead send me back and forth to my school or my bank. After few days someone finally responded to me and said that the auto draft was never setup and therefore I was getting hit for late payments. They claimed that I have been notified but I have been leaving in my current address for 4 years and not once I received a notification from them. 
I explained to them that this is a mistake or misunderstanding. I explained that I have other student loans with even higher monthly payments that I have never been late on ( in fact it is paid a head till 2020 ), I also have multiple bills that I pay monthly and I have never been late on anything ever in my life so why would I be deliberately late on this account. In addition, I offered to fix this by paying off the remaining balance on this loan in full today in exchange to get this inaccurate late payments removed from my account, but they just simply said no with no additional explanation. 

I have maintained a perfect credit score for years so that I can use it when it is finally the time for me to buy a house. Now I am in the process of buying a house but since my credit score is missing only 3 points I might not be able to buy the house or any house for now. I don't like complaining but I am being punished for a system error and XXXX XXXX is not willing to help me in any way so I am asking you to please please help me to fix this problem.
Borrowed money back in XX/XX/2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.
I have a bank account with TCF bank in XXXX. When trying to use may attached visa card it is declined because they think my purchase has high fraud activity. I was trying to make reservation for a hotel and then trying to by video games from XXXX different days. I have PLENTY of money in the account