WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I submitted an application or applied for an AUTO LOAN with my favourite Insurance co. USAA.com. 
I am a member of USAA since XXXX. 

When I applied for a Auto Loan with USAA, I submitted only 1 ( one )  application for AUTO LOAN. 
The date is XX/XX/XXXX. 

The loan which was offered to me had an APR something like 8.05 % or 8.09 %.

It was not affordable to me.

I choose another Auto Loan for 2,4 % APR and it was already paid off. 

I do not recognise second hard inquiry on my credit report, by XXXX. 

Second hard inquiry was made on XX/XX/XXXX. 

I already made one hard inquiry for Auto Loan, I received an answer that I can get a loan with interest rate over 8 %. I could not accept 8 % it is just too high for me. 

I did not made second hard inquiry for the same auto loan. 

I noticed that problem already in XX/XX/XXXX. 

but I was So OVERWHELMED with my new car XXXX and it is a space shuttle and not a car, and so I did not have forces to fight to remove second unjust hard inquiry. 

I also had a major XXXX in XX/XX/XXXX in XXXX XXXX Hospital for 5 hours. I was in recovery mood when i realized that there are 2 hard inquiries instead of 1 hard inquiry for auto loan. 

Now, in XX/XX/XXXX, I am much stronger and I see that all these double-hard-inquiries damaging my credit report. 

It damages my credit score. 
Including for USAA Auto Insurance company. 

I request USAA to remove second unjust hard inquiry for auto loan.
onXX/XX/2019 I contacted Experian because I noticed two of my accounts have not been updated with XXXX XXXX  on XXXX I contacted XXXX XXXX XXXX and XXXX XXXX XXXX to confirm my XX/XX/XXXX statements were sent over to all three bureaus Experian is refusing to update my credit reports my XXXX XXXX XXXX credit card should have a limit of XXXX not the old XXXX my XXXX XXXX  XXXX credit card should have a limit of XXXX not XXXX I attached statements
I have a credit card through XXXX XXXX and XXXX XXXX. They are constantly reporting everything on my report twice which affects my credit score in a negative way. I have ask them to stop doing so and they refuse. And the XXXX agencies will not removed double reports even though it is the same exact report.
I checked my credit report from XXXX, XXXX and XXXX. I have also submitted disputes with each XXXX but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within XXXX days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.
I purchased my home ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) on XXXX XXXX, XXXX. I financed my mortgage through XXXX. On XXXX XXXX, XXXX my mortgage was sold by XXXX to Carrington Mortgage Services , LLC . At the time this did not present a concern to me. I made my XXXX XXXX mortgage payment to Carrington and everything was fine. In XXXX XXXX I received my mortgage statement from Carrington and my payment had been raised from {$1100.00} to {$1200.00}. On XXXX XXXX, XXXX I called Carrington to inquire about the {$160.00} monthly increase. I was told that my insurance had not changed, but that my taxes had gone up {$790.00}. I verified the tax increase with the county, so I know that figure is correct. I then asked why my payment had increased by {$160.00}, since the tax increase should have only increased my payment by {$66.00} per month. I was told that it is their business practice to hold a " two month cushion '' of my escrow account. This is not in my original loan terms with XXXX and I never agreed to these terms. I am agreeable to pay the extra {$66.00} per month to cover my tax increase, but I do not see why I am required to pay an additional {$98.00} per month so that Carrington may have a " cushion '' for my escrow account. I was told by the customer service rep on XXXX XXXX that I could request to hold my own escrow account. On XXXX XXXX, XXXX I sent a letter to Carrington via fax as well as certified mail requesting that I hold my own escrow. On XXXX XXXX, XXXX I received a response via USPS mail from Carrington denying my request to hold my own escrow. As a XXXX female veteran, with a VA home loan, I am appalled by the business practices of Carrington Mortgage Services. They are STEALING money from their customers. I am not the only one to experience difficulty with this company. A quick XXXX search shows hundreds of people being taken advantage of by this company. My next step must be legal action, but I am hopeful that the Consumer Financial Protection Bureau will look into this and put a stop to this disgraceful company.
On XX/XX/2012 we mailed a payment of {$2900.00} to Provident Funding, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The monthly mortgage payment is {$990.00}. We marked the additional amount of {$2000.00} to be put towards the principal. The company made an extra month 's payment of {$990.00} and only {$1000.00} to the principal. We have talked to them but to no avail. We have not missed any payments and do not know why they did this. So since this date the amount that should have been put to the principal has cost us interest. They do not want to rectify their mistake.
I had a loan with a XXXX college in OR state but have been sent to collections because I have had a hard time paying my loans. Recently I missed XXXX non-consecutive loan payments and they are threatening to garnish my wages at XXXX the monthly loan amount. I can hardly ever get ahold of them and when I do, there 's only one lady who I can speak to about it and she is very difficult to deal with. I just want to set up a payment that I can afford. I do n't know where esle to turn. Any help would be greatly appreciated. Thank you.
I was contacted regarding this debt in XXXX of XXXX, the debt collector spoke with my wife, however I was present. We were informed they received this account in XXXX of XXXX and that it had not been reported on my credit report as of yet. We explained this was incurred due to XXXX our new phone company not paying off our account as we were told they would. It was still suggested we pay on the debt in the meantime to avoid it affecting my credit. We were told since we were making arrangements early on it would keep this off of my credit report. We scheduled the first payment for the end of XXXX XXXX, XXXX/XXXX/XXXX as it was stated something would be needed in the month of XXXX to secure the agreement. The first XXXX payment was for XXXX/XXXX/XXXX for {$75.00} and has been paid every two weeks for {$75.00} by automatic withdrawal. So XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX all for {$75.00}. Now imagine my surprise when I pulled my credit report on XXXX/XXXX/XXXX and not only seen this account on my report when I was told it would n't be, but also it is reporting late when I have made all scheduled payments as agreed! My wife called in my presence on or around XXXX/XXXX/XXXX and received very rude service. She spoke with two people who both stated that payments had been received and on time, but since they are collecting for XXXX and the XXXX account is not in good standing since it was sent to collections this is why the account has a negative standing. They stated they are reporting the payments, but have no idea how the credit bureau puts out info. My wife said the CB can only report what you tell them, but they insisted it was not their issue to correct and we should call the credit bureau. Of course I understand I am not in good standing with XXXX, but convergent should be reporting the on time payments to convergent that are being made. It is clear to anyone a collection account is a negative thing, but you dont get to report on time payments as late to punish a consumer. Included are bank statements for the dates listed above. Please note the payments listed under XXXX, which also has their phone number listed. Also I have attached email statement notices from Convergent. I can not go all the way back to XXXX as their links expire in 90 days. Also a copy of this item on my report.
Experian needs to delete and block the following fraud account immediately from my credit report : 1. XXXX XXXX XXXX XXXX
I XXXX XXXX, never authorized and or do not recognize these inquiries on my credit report from XXXX, OpenRoadLending LLC, and XXXX ( I have no clue what this is. ) on date XXXX XXXX, XXXX. I am not in search of a car loan and or refinance as I recently purchased and opened one in  XXXX of XXXX. Nothing was done purposely for my credit to be pulled.
Originally, I had linked my Chase credit card to my Chase checking account since they informed me that this would be convenient in case I get overdrafted on certain bills I have set up for auto pay. When I did get overdrafted, I was told that it would be charged to my credit card versus me getting charged for the overdraft fees, which was great. But soon I realized that every overdraft became a CASH ADVANCE towards my credit card, and I was never told that they would be cash advances at really high rates. Of course they have zero remorse for not informing me of this. I walked into a branch and demanded they remove the link from my checking account and credit card account, and to stop any overage charges or attempts. They say sure, and mind you this is a Chase Supervisor, female, within the branch and answers with such arrogance, and just rude as I ask a few questions, and adds that they would need to charge me XXXX ~ XXXX dollars to remove the link. Wow.. what thieves. Today I check my accounts and both accounts seems to be linked to my credit card STILL, and now again charges my credit card.. I feel this violates my rights and what was confirmed to have been done at a branch which I saw with my own eyes, and yet they decide to charge me again. I feel this is almost fraudulant, as this was unauthorized for Chase to do without my knowledge or my permission. And I have not even received a call from them, or any notices as of today. I am not sure who I can possibly report this to or how I can get this resolved other than having to stop banking with this fraudulant bank. I have banked with them for so many years, and yet they have no attempt of resolving any issues with me, whether it be over the phone or even at the branch. Nothing but bunch of arrogant supervisors which consumers like myself, have to deal with which is not very attractive, and very difficult to approach when dealing with this type of subject in the matter of our own money and funds.
Around the end of XX/XX/2018 I received a letter in the mail stating that I had an bill in collections with Southern Financial for a old utility bill. I immediately sent an money order and paid the debt. A few days later I called Southern Financial to make sure they received my money order. They ask for my personal info to verify the debt. They stated they received my money order & that it would be removed off my credit. Then I was told I had an old hospital bill in there system. I wasn't aware of nor informed previously about any old medical bill debts. I have health insurance. When I do go to see my doctor, I always pay my copay & whatever balance is due is sent straight to me from the orginator. The lady over the phone asked me was my birthday in XX/XX/XXXX & I replied no. So she was asking me for more personal info that I didn't feel comfortable giving over the phone. So I asked could she send something in the mail so I can verify these supposedly debts. About 2 weeks later I received a letter in the mail that didn't have the company Southern Financial listed on the evelope & the information was uninformative. Last night on XX/XX/2018 I received a notification from XX/XX/XXXX stating that my credit score dropped 23 points because a new collection was added to my report. I called Southern Financial the next day and asked to speak to the supervisor. The first supervisor XXXX hung up in my face because I didn't want to give any personal info. The second supervisor XXXX, who I talked to after I called back told me I need to pay my bills then I wouldn't have this problem and he also hung up on me. The third supervisor XXXX stated that he couldn't talk to me with getting my personal info & was also very cruel. I stated to XXXX I had a non personal question so you didn't need my personal info. After explaining what was going on & telling him regardless of someone's supposedly debt you can't treat people rude like that. Matters can be resolve with respect and communication but no one in that office holds a professional torch. They are so mean & hateful hearted. I had know issue paying my debt if it was validated. I wasnt given that option, I wasn't notified, they just slapped it on my credit report after knowing I was in a process of buying a house. They did this to be malicious because I was chose to be cautious about giving my personal information out over the phone.
I recently applied for a credit increase with my XXXX card I have had for 2 years with an XXXX credit score via their own Credit Wise site. I was denied with two reasons listed. The first was your average monthly payment has been too low which their solution stated as generally if you make more than your minimum monthly payment on time for three months you can reapply for a credit increase. During the entire time I have had this account, I have consistently paid 2-3 times the minimum payment every month which makes their first reason entirely FALSE. The second reason given was recent usage of this account for monthly spend has been too low so I am being penalized for wishing to pay down the balance on my account. I then called Capital One to speak with an agent who was incredibly unhelpful. Her only response was credit is very complicated and we can not discuss this with you and abruptly ended the call. This means there is no way we can even attempt to discuss the erroneous information given to me nor to correct it. Capital Ones arrogance in this matter is reprehensible with their attitude of whatever we say is the truth and we dont care of any circumstances that may need clarification.
I canceled service with XXXX and had a {$220.00} credit balance on my account, when they refused to send me a refund check, so I called my bank and denied the charge, then a few days later I got a check in the mail from XXXX which I cashed and got my credit card company to drop the charge-back. However, now XXXX is charging me back for another {$220.00} and send this to a collection agency which is threatening to ruin my credit.
I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to ATG Credit. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XXXX XXXX XXXX and I have not received a response to date. I know that this debt does not belong to me because the original creditor XXXX XXXX XXXX located in Indiana. I have never resided in Indiana.
I received a phone call from Synchrony Bank. The bank claims I did n't pay my bill payment of {$25.00} towards my Amazon store card for the months of XXXX and XXXX. I have a automated online bill payment, with my bank XXXX XXXX XXXX, that I use to make payments towards my Amazon store card each month. I contacted my bank XXXX XXXX XXXX with this issue, and my bank provided me with a bank statement that shows that I paid my bill during XXXX. There 's a inaccurate amount of {$63.00} dollars in late bill payments that Synchrony bank is claiming I owe.
The following account isnt not mine. Equifax deleted and permanently blocked the following account from my Equifax credit report between XX/XX/XXXX through XX/XX/XXXX : XXXX Child Support Enforcement. The account has been put back on my credit report, even though, Equifax deleted and permanently block this account from my credit report between XX/XX/XXXX through XX/XX/XXXX. The account is not my account.
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, Transunion, and XXXX, but I was unable to complete my request. The XXXX  site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.
The phone calls started last year. Not sure of the date of the first call but the first one I could find on caller ID was XX/XX/XXXX at XXXX from XXXX to our home phone number. I told them that we dont owe what they claim we do and to stop calling. XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX at XXXX and XXXX from XXXX, XX/XX/XXXX at XXXX from XXXX all to our home number. The calls continue getting more frequent until they call every day. They call our house, my cell phone and my husbands cell phone every day now. Phone numbers they use are XXXX, XXXX, XXXX. The guy said if we dont pay then they will take our drivers license away. I received a letter dated XX/XX/XXXX from XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX stating we owed {$2400.00} for some damages that we had nothing to do with. Ive been in contact with our insurance company, XXXX, and they sent them letters stating not to contact us and to contact our XXXX claims agent only. This company harasses us every day on all 3 of our phone numbers.
I submitted a letter asking XXXX/ DNF Associates to validate the debt. Neither XXXX/DNF Associates sent any information showing my signature on any contract that was sign with either of them. DNF Associated mail me a letter asking for a payment in the amount of {$150.00} as of this day I have n't received anything. I even sent a dispute to the XXXX credit bureaus asking for the same information and I have yet to receive it. XXXX said it was verified I asked how what documents were produce. NONE! so how was this account verified.
I became aware in XX/XX/XXXX that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier. I contacted XXXX XXXX XXXX - the provider in XX/XX/XXXX and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and XXXX and XXXX  removed the items. However, XXXX did not ( see attached ). In addition to collecting for a debt that is not owed, this is clearly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
tried to get them to verify XXXX XXXX XXXX  they continue to say they verified information and it is correct, but they could not verify the same information on wifes account and deleted it. they wont send information used to verify as i have requested. 
my next step to get it verified will be to file in court and sue both transunion and XXXX XXXX XXXX.
THIS IS NOT A DUPLICATE.  For the XXXX time in less than XXXX days Chase has processed a large item first so that they can then charge XXXX overdraft fees on small items.   A total of XXXX overdraft fees for $XXXX each totalling $XXXX was charged to my account.  Additionally the reverse positve pay that is on for my account is no longer working and does not give me the chance to review the checks before they pay.
I'm having extreme trouble having two items removed from my credit report of XXXX and Equifax. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both Equifax and XXXX to no avail. 

XXXX however removed them so I know its possible. I need help.
EQUIFAX IS NOT REPORTING PURSUANT TO THE FCBA THE XXXX XXXX XXXX OR XXXX ACCOUNT AS IN DISPUTE WITH NO INFORMATION. IT INSTEAD IS PUBLISHING FALSE INFORMATION THAT PURPORTS I OWE XXXX. IT ALSO HAS NEARLY XXXX FRAUDULENT AUTO LOAN INQUIRIES THAT USED THE FAKE MIXED FILE NAMES OF XXXX XXXX XXXX AND XXXX XXXX
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX***, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, and 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 looking to purchase a home.
I submitted a complaint on  X/XX/2016    thay was resolved as a company error by    Rooms to Go.  I recently pulled a credit report that showed I was deliquent on a payment I never owed. Please reopen the case as it was not closed propeely before. This must be cleared from the reporting agencies in order to raise my beacon score.
XXXX sold my mortgage to Statebridge. I had a financial hardship and got behind, making payments by money order, and tried to work with XXXX over the phone to get caught up. When I called Statebridge on 3 occasions, the rep would not take my payment, citing either lack of information about previous verbal agreements I had made, or the need to talk to a supervisor and get back to me. Each time, I would wait two days and then call, and always I was told supervisor was reviewing. I said I was just going to make a payment over the phone, but was told it would not be applied to catch me up. I should have contacted a lawyer at this point. 
The last time I made a verbal agreement to catch up on payments, I asked for an email or written mailed account of the agreement, and did not receive it. But again when I called I was told no agreement was in place. I then received a foreclosure notice.
I received a mailer from open road lending  on XX/XX/2018 that says they will lower my interest rate from 6.9 % to 3.5 % on my auto loan. It says my eligibility criteria is because i have good credit. I filled out the online form on XX/XX/2018 and got a text saying I was pre approved within a few minutes. 

When I called they ran my credit to several lenders and told be my rate would be 7.14 % which is higher than my current rate. Now my credit will take a hit due to the inquiries and I have the same loan. Their advertisement is misleading and I feel this is a bait and switch.