WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I went to apply for an auto loan with a dealership known as XXXX XXXX XXXX having good credit, I allowed them to run my credit once, and they ran it four times, once through the dealership and three through various banks. So, my credit score dropped from a XXXX to a XXXX with TransUnion as a result. I did not content to them running it multiple times and am upset since I was under the impression it would just run once. Any recourse? 


XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX is the various banks that have placed hard inquiries on my credit profile.
We are processing a short sale wi th Fifth Third B ank. On  XXXX   XXXX ,   XXXX  , they issued a counter offer of {$190000.00}, and we initiated a value dispute. On  XXXX   XXXX , the value dispute was completed and the market value was reduced to {$170000.00}, which is the EXACT amount of our offer. I asked if we could proceed with this offer and received no response. I emailed our representative  XXXX   XXXX  again on  XXXX   XXXX  asking if we can proceed and received no response. On  XXXX   XXXX , I calle d 5th 3rd  and spoke to  XXXX  ID #  XXXX . She confirmed value of {$170000.00}, but showed nothing more recent than last week so reached out to the " specialist '' working on the loan/offer. He could n't reach him but gave me his direct contact info for  XXXX   XXXX  yet again. On  XXXX   XXXX , I emailed  XXXX   XXXX  asking if we can proceed with the offer and copied his supervisor  XXXX   XXXX . I FINALLY received a response from  XXXX  indicating the " investor '' has reduced some fees, but did NOT indicate who the investor is. I emailed him back requesting this information, but AGAIN no response. On  XXXX   XXXX , I emailed  XXXX  the requested documentation and informed him I did not have approval to reduce the fees, since we were not informed of the investor. I received the following response from  XXXX , " The review on the file is halted until the settlement statement has been adjusted to allow for investor review. '' When I asked him to clarify this statement. He responded, " Until the seller provides a settlement statement that meets with the investor guidelines and directives then I do not see what can be done at this point? '' I c alled 5th 3rd to s ee who the investor is. I spoke with  XXXX  and asked for  XXXX   XXXX  ' supervisor since it took him a month to return my phone calls or emails and they want me to cut our fees in half without giving me any information as to who the investor is. I was transferred to  XXXX   XXXX , she said the investor is  XXXX   XXXX , and she will have  XXXX   XXXX  call me back regarding the delayed responses from  XXXX . I subsequently received approval to reduce the fees and sent the revised settlement statemen t to 5th 3rd .  XXXX   XXXX  did not return my phone call and instead sent me an email indicating he would contact me on  XXXX   XXXX . He did not call me and when I emailed him to find out when we could speak he insisted he DID call me. And argued that my loan number was wrong and he could n't find the file. I asked him to call me so that I could provide the SSN instead and he said he would have to do this tomorrow. I called in, trying to get in contact with someone who can discuss this file with me and aft er 40 min utes on hold, I was informed no one is available and I will have to leave yet another voicemail. It is completely unacceptable to refuse to communicate.
I mailed a request for a copy of my credit report using the form provided and completed the information they requested. Experian was the company I requested the report from. 
It has been over six weeks, and I have not yet received a credit report from them and they have not been in contact with me.
I was approved for a total rewards visa at XXXX balance in XXXX XXXX I used the card I paid off the balance in full. Today XX/XX/2017 I tried to use my card and it was declined so, I called and they said they closed my account because I had to many entries on my credit. I thought once you have a credit card and use it never been late and was previously approved your fine. But they decided to close the account so, with that I have an inquiry on my credit and no credit card. How is that fair
I have only ever borrowed a total of {$65000.00} of student loans from ALL of my previous institutions. I contacted each institution and had them send me a copy of the disbursed loans. The total amount added up to {$65000.00}. Somehow, Navient says I owe {$93000.00}, and can not explain exactly HOW I owe this amount. They tried to tell me it was accrued interest.. I asked how it was possible to accrue {$30000.00} in interest in 3 years at a 6 % rate, and then they told me it was due to the loan consolidation, and blamed University XXXX XXXX for overstating disbursed amounts. SO I contacted University XXXX XXXX who assured, and sent me proof they ONLY added the total amount I actually borrowed. I would like
I, acting on behalf of a student organization that I 'm a part of, was XXXX-charged for insufficient funds by Chase bank. I had enough money in the account for XXXX transaction but not the other. I tried to have the smaller payment go through the system first, but the automatic payments did not work that way. When I asked them to refund me the overdraft fee, they did not. They cited that their company policy when transactions come in without timing information is to process the bigger transaction first, which seems very favorable for them, and very detrimental to their account holders. Obviously I agree that I should have been charged for the XXXX, larger item, but being charged for both just makes it harder for me to pay for either.
I was told by a bank that I can't open a bank account due to money owed to TD Bank in NY. I called TD bank on approx. XX/XX/XXXX and was advised that amount owed is {$370.00} and if I paid {$200.00} within 30 days it would be marked as paid in full and I would be removed from the " blacklist '' that is holding me back from opening any bank account through out the banking system. On XX/XX/XXXX my sister walked into a bank branch and paid the {$200.00} which I have a reciept for. On XX/XX/XXXX I called wondering where my paid in Satisfaction letter is and why I haven't been removed from the " blacklist '' since I was told by a bank that I still can't open an account. I was told by Recovery Department that they made a mistake and didn't mark it as paid in satisfaction and that he would mark it as paid nd request chexit system to be updated so I can open an account. On XX/XX/XXXX I called back requesting a update for a letter. The guy said a request has been made and I should've gotten a letter from the branch where I opened an account. He said he would put another request in. I called the branch today XX/XX/XXXX and the branch said I'm not getting a letter cause I still owe {$170.00}. At this point I'm furious cause there obviously not caring or know what there doing. I again called Corporate TD bank again and they said no request has been put in to update the chexit system " blacklist ''. But according to corporate it's paid in full. I asked them to call the branch to let them know and he refused. He said they don't do that. So as of today I can't open a bank account to do business, the branch isn't on the same page as the recovery department of TD bank corporate,  and it's very obvious that they don't care even though I gave them there money and have been extreamly patient. Also I was advised today that no one in recovery made any notes to update the chexit system or " blacklist '' system. PLEASE HELP ME!!! I can't open any bank account to do business. ThANKS
I have fully repaid the loan I received from this company. The company will not release the debt. Actually, I have triple repaid the full loan amount and the company insist that the full monthly payments of {$510.00} be made. I obtained a loan in the amount of {$5000.00}, XX/XX/2015. The monthly payments were {$510.00}. I've paid a total of {$15000.00} which is three times the amount I borrowed. I am struggling to make the payments and the company refuses to take an extension or let me make partial payments.
XXXX XXXX CA I have contacted this company at least 20 times. They are reporting my account as Paid, was a charge-off. My account was paid in full prior to charge off. I even received a refund check from the company for overpayment. How can they charge off an account I overpaid? I have requested them to update my reports and they are stating that the charge off is correct. If this was charged off, why do I still have my vehicle?
My home is being foreclosure on with a robo signed assignment. The loan was acquired by XXXX XXXX, and it was one the loan that was apart of the XXXX XXXX settlement with the Department of Justices. The assignment was created XX/XX/XXXX and the cutoff date for the trust filed with the U.S .SEC was in XX/XX/XXXX. The agreement said it had to conveyed 90 days befor the cut off date. This assignment was conveyed 5 year after the cut off date in section 201 of the pooling and Service agreement. I mailed both XXXX XXXX XXXX XXXX, and Bayview Loan a QWR / Proof of Claim request. I also asked that the loan be restructured with a lower rate, so my payment will be affordable
Equifax is refusing to remove old accounts. XXXX XXXX and XXXX XXXX are reporting fraudulent payment history. According to the FCRA I can request for accounts to old to be removed and XXXX is reporting fraudulent history to keep on credit reports. XXXX XXXX is reporting accounts from 2011 when I had been out of school a few years so I could not have receive funding when I was not in attendance of school. Debts began 6 months after school. so either way their is some fraudulent debt reporting, nor do I know anything about funding from this organization. I have never had any payment history with the organization. I have never received any payment information from this organization.
Chexsystems took longer that 45 days to reply to my dispute. Once I noticed them that they have to delete the information they sent a reply for the dispute in with the same information provided before. They set a deadline and missed it. Per their website : " your dispute will be considered as received on the following business day.   If you provide additional information or documentation relevant to the dispute while the investigation is pending, the investigation time frame  may  be extended by up to 15 days to give the source sufficient time for review.   Once it is completed,  XXXX  will notify you of the results of the investigation by mail at the address you provide ''.     30 days plus  15  additional days were also past they resonponed on   XXXX   XXXX   I disputed in late   XXXX   XXXX     when I placed a security freeze on my report. I received a confirmation of the freeze and my PIN on   XXXX   XXXX   XXXX     and never heard back until   XXXX   XXXX   XXXX      two  days after I filed a dispute against them and their reporting. In their packet your information was included. I mentioned I am going to report this as well. They can not just help banks out, this is not fair. I can not open a chekcing account due to errors and {$0.00} balance bank account reporting on  XXXX   Reference  :   XXXX   XXXX     XXXX   XXXX     XXXX
My mortgage company would not take my payments, I missed the due date by approximately 1 week. I called to arrange. I simply lost track of the dates. which I do sometimes. I called and requested to speak with a supervisor to see what I could do.I was denied the opportunity to speak to a supervisor and the person on the phone reported if I wanted to hang up the phone I could. I was speechless and upset. I proposed to pay now and in tow weeks to catch up for the month and told NO. I would have to do a loan modification. This process took over 13 months, ruined my credit, went to court to be insulted by the mortgage company rep who stated to me the mortgage company has no intention working with me, the judge said he could not stop foreclosure. The only choice i had at the end pay XXXX or pay {$2400.00} an month for over 2years. I did not get a chance to speak to anyone to report my case verbally to anyone. This leave me just enough to pay gas, utilities and some food.my mtg was approximately {$1200.00}??? I expected maybe {$1500.00}, but not {$2400.00}?? I have lost a lot of then put my house on the market before anything was finished. People walking my yard, all times on Saturday around the house. I was afraid. I hae tired to ge to the so called rep and each time I am giventhe 3rd degree and never is the phone answerd, I have leve message and just stopped. People are still comeing once a moth putting door hanger on the door for me to call and not be able to speak to the rep. Told me my house is still is the forclosure stage for the next 2years. This is crazy. I could pay and they are forcing me out in the worse way. i have there for 8 years. Great neighborhood and good neighors. Sad. I try to be responsible, I am a veteran with XXXX and try not to use that as an excuse. Done. I along with others would like to be heard by someone who cared and could explain without attempting make me feel like I am a nobody. i make a good salary, I am intelligent, but hits unbelievable. I want to know who owns my loan. This mtge company is the Worst. I go to a doctor for the stress and it is just too much. If they I have requested time and XXXX to walk away. I am tired and mad, and hurt, the country and a lot of the companies. here have lost sense of community and working with people. I am not asking for a hand out. Even if I get no help I will make sure many people here the story and name of this mortgage company an NEVER work with them. VA did not to assist in counseling and helping me through this mess ... va loan joke.
I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with XXXX and XXXX with Capital One. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want XXXX and Capital One to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.
I received notice on my job about a wage garnishment. However, I was not notified of a court hearing. This debt is on a credit card which I have not made any payments for over 10 years which far exceed the statue limitation on a debt in the state of Delaware. I have lived at my present address for over 8 years. I was not contacted over this time period. Nor did I make any payments. I was not notified where to send money. I do not remember having an account with this company.
I do not recognize any of the hard inquiries on my credit report and have never heard of those type of places and I've never applied to any of them and not sure what or who they are. I feel some has used my identity in the year XX/XX/XXXXand XX/XX/XXXXbecause I did report identity theft back in XX/XX/XXXX. IRS called me back in XX/XX/XXXX to notify me someone was indeed using my information and for me to make a police report in which i did. The problem I have is why are these hard inquiries still their if its due to identity of my information being used without my consent or me even being aware of this. Please help me get rid of these unknown inquiries that don't imply to me and never have. Thanks
I opened an account last year, the lady that opened my account took mmmmymymmy information and okayed it just to find out that she opened it knowing it a check I received was a check drawn on wells fargo and finalized it just for it to go agaiinst mee plz helpinst me and my credit, plz help ... ..
I had  XXXX  walmart cards that was offered to be upgraded prior to getting the card I called to make sure my history for the cards  XXXX  and  XXXX  would stay on the card that I was being upgraded too. The information I was sent did not state anything that is why I called. After getting the card I activated it and the other cards were closed. Now I do not have history on the new card shows I have had the card since  XXXX  and  XXXX . After calling today to Syncrony bank I was hung up on by  XXXX   XXXX  in OH, called back and when asking for a supervisor to correct this was told I could not speak t o one the y would tell me the same thing. Now I have  XXXX  new accounts after calling before and now I am being told I misunderstood.
I have contacted Experian and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. XXXX, is reporting my account opened and XXXX XXXX is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
The debt is for breaking an apartment lease. They want 2 months rent plus clean up and {$600.00} to change a carpet ( which is the one part I am trying to fight ) ..About  XXXX  all together for the debt. This debt collector is beyond harassing. The first day they reached out to me was on    X/XX/17      at  XXXX . I missed the phone call, they left a message on my voicemail which SPECIFICALLY says 'you have reached  XXXX   '.  I called them back by  XXXX  to talk to them. Within that half hour, they already called my parents and brother to find me. REALLLY? Not even 30 minutes and they are calling my relatives to find me. They knew they had the right number, my name was on the voicemail. I called them back within  XXXX  minutes, this was before I knew they called my family. They have called me every 3 days from this point as if I have never spoken to them. I told them that there was a specific charge within the debt ( changing a carpet that was perfectly fine when I moved out ) that I dont think is fair. Instead of going back to the client to negotiate, they just flat out refuse and said I am not in a position to negotiate and that I had to prove that the carpet was fine. They also said its all part of the lease. **new carpet is not in the lease*** carpet cleaning is in the lease for around 100.. AND for them to say Im not in the position to negotiate, thats exactly the position I am in, to negotiate. They act as if they want to help, the guy said what can we do to fix this. When I tried to negotiate that one point, he didnt even want to talk about it. So apparently, they dont want to help. they want the whole amount. I am now on the federal do not call list, and they are still calling. As I said, its every 3 days. I speak to them every time they call.. they are very harassing. They refuse to cooperate on anything. I never refused to pay the whole thing, If I am questioning the carpet, shouldnt they be required to discuss with their client? Apparently when they say that if anything is incorrect to let them know, they dont really care.
We used payday loan service XXXX years ago and paid off our remaining debt. Halsted financial services has called us XXXX yr later saying that we owe them money. We do n't owe them money or have we used payday loans for XXXX yr
I opened a PNC bank account online. They verified my identity by asking me specific security questions and I funded my account with an instant transfer through a debit card. I then received my XXXX and account number and started to setup my direct deposit. A few days later, I got my ATM card and tried to activate it and was told to contact the bank. At the bank I was told my account was closed due to risk prevention and an incident I had in 2011 which was fully resolved. My direct deposit was already setup. I never received any communication from PNC that they are closing my account. I still have n't received any communication about the closure, but I have received marketing material and instructional mailings on how to use my new account. My money ( both my funding and my payroll ) is now in the PNC account but it is on hold. I have no access to it unless I take time off to go to the branch and get a check for my money. If they were n't going to open an account for an incident 3 years ago, then they should include that check in the opening process. They had my SSN, they ran a credit check, they could add their own security check into the process.
On XX/XX/XXXX, I contacted XXXX, Equifax and XXXX  in regards to an item that is appearing on my credit report from a company called XXXX XXXX XXXX. I mailed letters to each of the three credit bureaus, letting them know that the information that was reported is incorrect. These letters were mailed certified XXXX and I received confirmation that they were delivered to their respective addresses successfully. On XX/XX/XXXX, I received notification from all three credit bureaus, that XXXX XXXX XXXX was contacted in regards to the debt that is being reported, and the debt was validated and they stated that it was being reported correctly. The information that is being reported is not being reported correctly. They refuse to explain to me how the debt was validated after multiple phone calls and letters requesting the above information
I started calling Fifth Third Bank at XXXX on XXXX/XXXX/15 I attempted XXXX times to logon to my account and it would not. Hence I attempted to reset my password on the third attempt and it failed. I called the toll free customer service line XXXX XXXX times and XXXX XXXX times but to no avail was I able to reach them. Their customer service center was not to close until XXXX or XXXX. I ended at XXXX because I needed to pay my credit card at least something at {$100.00} until Fifth Third Bank attempted to resolve the financial mismanagement problem. Again XXXX XXXX and his XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are involved in this scam.
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All Ireceive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap : XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX