WillisBack/dataset-financial-user-claim huggingface dataset:
Multiple unauthorized credit inquiries. No response from credit bureau.     This letter is another formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX  Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.     In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.
This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the Fair Reporting Credit Act. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well.

I hope this get this problem solved thank you
On or about XX/XX/XXXX, My concern is Loan & card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan and card credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan and Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XXXX.
Today XXXX XXXX was attempting to make my monthly payment to my HSBC Platinum Credit Card. Then I get this ridiculous error message : " *You may submit a payment for Today until XXXX MST. '' At the time of my payment it was XXXX EST which would make it XXXX MST plenty of time you 'd think for me to submit payment, right?????? BUT NOOOOOOOOOOO!!!!!!!!!!!! Even though minimum was not due today I make the effort to call HSBC to settle the score. What followed for me was a nightmarish series of questions when even though I had established my ID the indignant HSBC rep proceeded to ask me if I have any other bank accounts ; if I have direct deposit and if so whom it 's from and for how much. ALL THIS BECAUSE THEIR BACKWARDS SYSTEM WOULD NOT ALLOW ME TO MAKE A PAYMENT!!! 

This is a tale of horror from an indignant banking institution that needs to understand what good customer service means and not proceed to torture a paying CUSTOMER WHO WANTS TO SETTLE HIS BILLS!!!!!!
During the week of XX/XX/XXXX, my husband asked me to fill out a credit card application for him for an American Express Platinum business card. The app was done on line, using his name and business. However, when I received the card it was made out to me instead. This was not a preapproved form. This was from their website.

I have been trying for 2 days to fix this.

I was transferred to 10 different people.

I was told I used the wrong phone number to reach them and then they gave me the same phone number I had dialed.

I was told the name couldn't be changed for 6 months.

I had to explain the problem to each person and then I was told I had the wrong department I was asked my social security number and my husbands several times and then they would transfer me.

The last 3 people I talked to I told them I was fed up and just wanted to cancel the card, and they would just keep transferring me. I finally hung up because he was going to transfer me again.

The card had an offer of XXXX miles but that ended on XX/XX/XXXX.

And I still have to figure out how to cancel the card so I am not billed their fee., I have never had such horrible customer service except maybe from XXXX XXXX .

In completing this form it asks if someone else is involved and are they an additional card holder or is it a joint account. It is neither, it was to be a credit card in his name only.
In XXXX I applied for a payday loan on-line with XXXX ... I did receive the money ; however, I had problems paying it off because of the high interest rate and exhorbitant fees so I enrolled in a Debt Consolidation Loan company in XXXX ; and they negotiated with XXXX XXXX XXXX creditors at the time ( I had several ) ; and worked me out a plan where I paid them XXXX monthly payment ; and, they paid each of my creditors. It was my understanding that XXXX was one of those payday loan creditors. I successfully completed the program. 

That was XXXX years ago. Until XXXX weeks ago, I had not received a phone call or any mail from XXXX saying that I owed them money. Now, they are threatening to sue me if I do not pay them XXXX  which I can not afford to pay in XXXX lump sum.I can not afford the payment arrangement of $ XXXX XXXX @ XXXX XXXX ) XXXX. 

I do not think it is right for this creditor to seek payment from me when I in good faith made payments to them back in XXXX. If they were not acceptable of the payment arrangement with the debt consolidator I used at the time, I was not aware of that. 

Please help me with this matter because I have worked hard to rebuild my credit in the past 3 years ; and I do not want this matter to show up on my credit. 

Thanks, Distressed Consumer
I keep getting calls from Portfolio Recovery for a debt by someone with the same name as mine. I keep informing them that I 'm not the person they 're looking for. I even gave them the last XXXX digits of my SSN, which of course, did n't match the person that they 're looking for, but they still continue to call everyday. The number they 're calling from is usually different every time but the caller ID shows that the calls are from Portfolio Recovery.
SLS - Specialized Loan Servicing We have varied " to bring our loan current statements ''. 
The amount goes up and down for no apparent reason. 

Statement on XXXX is {$250000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached Statement on XXXX is {$240000.00} with past due amt {$230000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached These variations are completely unreasonable, without any explanation. and make no sense. This is most unfair to us. We have not received an itemized charge sheet as we requested in a qwr in XXXX XXXX. We get the run around when we try to talk to anyone about this. I am sending this complaint and will follow up with a lawsuit. How can we bring our arrears current? This is beyond unfair to consumers!
I had a credit card with XXXX XXXX several years ago, it is reported on my credit report as XXXX separate accounts. Yes I know I need to repay it, but XXXX bad items vs XXXX is killing my score.
I have been over seas since XXXX of last year on XXXX. I was relying on my people back in the united states to make sure my account was setup to auto pay and payments were being made. I got back in the United States in past few months and recently am in the process of being relocated to another city and tried to apply for another mortgage and found out I have 30 day lates for XXXX and XXXX. I now cant purchase a home because of these lates on my credit report. I sense am in the process of selling this home and loan will be paid off within next 30 days or less. I have called and asked with help with this because I was out of country on duty and unaware.
I ordered a credit report from Experian for {$1.00} on XX/XX/XXXX. When I checked my credit card bill on XX/XX/XXXX, I discovered an unexpected charge for {$21.00} from Experian. I contacted the company the same day and was informed by the customer server representative that I was now enrolled in their Experian Credit Tracker program for {$21.00} and that they would not refund the charge. 

The customer service agent informed me that I was sent an email notifying me about the enrollment. I located the email ( in my junk mail folder ). That " notification '' omits any mention of a {$21.00} charge or any other charge whatsoever. 

On returning to the original Experian website, I discovered a difficult-to-read statement in fine print explaining that I would be charged {$21.00} monthly if I did not cancel within seven days. It is hidden away in small, gray type on the gray background of an otherwise brightly colored webpage announcing in enormous type : " '' What 's your FICO ( R ) Score? Find out now when you check your credit report for {$1.00}. '' This page is designed to mislead consumers, and in my case it succeeded. I actually thought I was ordering a credit report for {$1.00}. Silly me. 

It is impossible to cancel a membership in seven days when the consumer does n't know they are being charged for something. Since their own follow-up email does not notify the consumer of the charge, they are left in the dark until after the seven-day period expires. 
I neither requested nor want this so-called membership. 

When I spoke with the consumer service agent, on XX/XX/XXXX, she cancelled the monthly membership but refused to refund the initial {$21.00}. I asked to speaker to her supervisor, who also refused to refund charge. She referred me to an email address, and I sent them a written request the same day. On XX/XX/XXXX, an agent replied in writing again refusing to refund the charge. 

I believe Experian, dba Experian Credit Tracker, is engaged in a classic deceptive business practice. The company has a lengthy history of such practices, as I have since learned, addressed in the Credit Card Act of XX/XX/XXXX. 

I want a refund of {$21.00}, minus the {$1.00} fee they claimed I would be charged. 

Attachments : screenshot of Experian webpage ; " Welcome to Experian Credit Tracker '' email ; Email correspondence with " XXXX '' from Experian Consumer Billing Department.
I had contacted equifax on a collection by XXXX, they had bought this from XXXX and are reporting the wrong amount.
Sls is my mortgage servicer and they are incompetent. I received  XXXX  from the state of New Jersey to save my home and once sls applied the funds my mortgage increased  XXXX  dollars. They paid past due payments and paid down the principle but left my escrow short  XXXX  short causing the increase of my payment. I asked if they could readjust the monies but they told me no. When asked why they did n't do an escrow analysis before applying the money they stated I did n't ask. They were suppose to run the analysis to see where I stood but never did. I received my first bill and they showed the breakdown of the  XXXX  and there is an amount of  XXXX  that they can not explain when I asked about it.. yet another ticket to be opened!
On XX/XX/XXXX, XXXX  XXXX XXXX sent me a letter approving my Income-Driven Repayment plan for the total amount to be billed monthly at {$320.00}. After getting a one-month forbearance, I paid the total amount with two separate payments electronically by the due date. The first payment ( electronic debit ) was {$210.00} and the regular bill was {$110.00}. This totals the agreed amount of {$320.00}. A day after the due date, after I paid, I checked my account and saw that my account was delinquent. I was told I owe {$75.00}. This is not part of my payment agreement. 

I called customer service on XX/XX/18 and spoke to a person named XXXX at XXXX   XXXX XXXX. She told me that XXXX XXXX has two systems. In the system I see, I am overdue ; however, in another system I can not see, I am up to date. She said she " is going '' with the one that says I paid. I told her that when I call or log in to my account, it shows that I owe {$75.00} and that my account is delinquent. I asked if I should just pay the amount. She said I can or not, it does not matter. I said I am worried that my credit will be destroyed, that my loans at my current graduate school will be canceled, and being in default could prevent me from getting a XXXX XXXX. She said that they would not report me until 90 days, so I SHOULD be okay. She apologized, but I was left hanging. 

I did email their advocacy hotline ; however, I am very, very worried because if this continues, XXXX will cancel my aid, and my credit will suffer. I don't have much time. I have had repeated problems with XXXX XXXX XXXX. It makes no sense that they can not fix this problem. I got a text dated XX/XX/XXXX that told me I am five days late on my payment. I am not and paid according to the terms.
I received a credit report a saw that Progressive Mangement Services of XXXX XXXX, CA has reported a debt and trying to collect on it, I had advised them in the past the debt is old and and the statue of limitations in California is 4 years and can no longer collect on it, when it was reported to the credit agencies there is no account number attached. I did send them a email asking that they remove the account.
XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries
I filled out a contact form two times and never received a response from my loan company. I would like to find out when my Yearly Escrow Analysis is. I just had to pay two supplemental tax payments for around 2300 each. I would like to know when I would be receiving my escrow over payment. The company is called Loancare. I 've read hundreds of reviews about Loancare and they are all horrible, they all say the company never responds.
My loan was recently transferred from XXXX XXXX XXXX to Shellpoint Mortgage Servicing. The transfer was effective XX/XX/18. I am current on all payments except the payment that is due XX/XX/18, which I have not made yet due to confusion in the transfer process. 

For some reason, my payment history with the previous lender was not transferred to Shellpoint Mortgage. They are showing my account as XXXX   months past due. When I call Shellpoint customer service, they are unwilling to resolve the issue ( all they need to do is get in touch with my previous lender ). Instead, they continue to refer me to a debt collector. 

The service from this Mortgage Servicer has been awful from the beginning. To this date, I have not received any contact from the company besides the notice informing me of the coming transfer. I had to call them repeatedly for a week just to obtain my loan number so that I could create an account online and set up bill payment. 

I have no idea where the transfer went wrong. It is possible the error is with XXXX XXXX XXXX  or with Shellpoint. My previous lender, XXXX, provided me the following contact information associated with the transfer : XXXX XXXX ( XXXX ; XXXX ). I have sent XXXX an email detailing my situation and the attached payment history screenshot. I am waiting for his response.
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
A company called XXXX reported on my credit report. On their website it stated. Checking your offers will not impact your credit score.  **The process uses a soft credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process and accept a loan offer, we will pull your credit report and credit score again using a hard credit inquiry. This hard credit inquiry may impact your credit score.
I had a mortgage with XXXX acct. # XXXX which was sold to Caliber acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now Caliber ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to Caliber they kept returning them to me stating the payment was not enough to cover the debt. 
XXXX sent the reimbursement check made out to XXXX AND THEY ( XXXX/Caliber ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for Caliber and even he can not get an answer from Caliber. 
Caliber states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by XXXX. 

What I need:1 ) XXXX to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to Caliber. 
2 ) Caliber to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.
Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX advanced causing me to lose my job and file for XXXX ( which still has not been approved ). I advised XXXX on my conditions and a forbearance agreement was animated on my account sometime in early XX/XX/2017. Ultimately I was forced into bankruptcy. XXXX was aware of my bankruptcy proceedings. shortly after my bankruptcy was XXXX I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this poppycock. 1st the XXXX of a private school loan not being XXXX in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does XXXX get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to XXXX  it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked XXXX on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to XXXX and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to XXXX that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? XXXX has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO XXXX ITS CITIZENS?
Credits Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.