WillisBack/dataset-financial-user-claim huggingface dataset:
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX website.
THIS DEBT WAS DISCHARED THROUGH A COURT RULING AND I WANT IT TO BE REMOVED FROM MY REPORT
Debt collection company, makes harassing phone calls at all hours, applies misleading and incorrect representations of accounts, by posting the same account under different account numbers in excess of XXXX times to each credit bureau. refuses to acknowledge or verify debt is actually mine to the individual credit bureaus, under the laws of Identity theft.
I had cable service from XXXX that was contracted through XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL about 3 years ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called XXXX has sent me a letter attempting to collect the debt. I filed a complaint against XXXX ( See Case Number XXXX ) Guess what? Stellar Recovery, I want you to know I am stellar and will never pay this. Tell XXXX XXXX that they can keep doing this for another 4 years, I will keep filing complaints. STELLAR! If Stellar Recovery contacts me again, I will take legal action for violations against the Debt Collection Act.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
I wrote a XXXX check # XXXX to Chase Bank on XX/XX/2017. 
Someone changed the to name from Chase to Chase re : XXXX XXXX and Chase submitted it to XXXX on XX/XX/2017 and it was paid from my acct. 
Someone also changed the account number in the memo section. You can see this in the endorsed check that came back through XXXX and a copy of the original check as written. 
I wrote this check to Chase to be credited to my mortgage with Chase. Chase did not credit my mortgage. 
Chase did present this endorsed check for payment to XXXX which XXXX paid out of my account. 
What did Chase do with the proceeds from check XXXX. Its clear that they credited it to someone else that I didnt intend for. 
XXXX submitted a claim to Chase to return my money but Chase has not returned my funds. 
Its clear that Chase credited this to another unintended Chase account, actually fraudulently done. What and when will I be remedied.
I received this gift card as a  XXXX  gift in  XX/XX/XXXX . I opened the card that day, never used. I did not try to use the card for close to a month? When I did finally try to use it, I kept getting an error with the card telling me I was not able to use it or it was denied. I tried the card i n  XXXX  sep arate stores total thinking it was the store.   I finally called the number on the back. The company told me the card had a   XXXX    balance and when I spoke to the customer service agent, they looked up that the card was used on I think either   XX/XX/XXXX   XX/XX/XXXX   or  XX/XX/XXXX , in California. Not only did I not have the card in the mail as of yet, but I live in Oregon.     I filed a complaint, the  US Bank/ Visa company said they would have me fill out the paperwork. I filled out the paperwork. We are now at  XX/XX/XXXX  and I still have not received my replacement card.   I have called and  US Bank/ Visa said they are still researching the card. I have already been told over the phone they saw charges of the card used in a state I do n't live in. I do n't understand why this has been impossible to get my replacement card.   i feel like  US Bank/ Visa is acting fraudulently by keeping the money from the card and refusing to send a replacement.     This is a  Vis  a Debit Gift Card    XXXX    XXXX  issued by  US B ank
I called CIB credit collections for the doctors business bureau. I got hung up on the first 3 calls by a XXXX XXXX. I finally found a different number online to call. I was told by XXXX there was no supervisor available, then when I called another number I got a supervisor who kept asking if I had the call on speakerphone letting me know that she wanted to not be on speakerphone. I advised her that if she had something to say she could say it no matter what the phone was on. She seemed irritated and did n't like that. She stated they had been mailing requests for payment to an address I have n't had for years. This is on my credit, and I have n't even received proof of debt. I also refused to give my card number over the telephone due to not being sure it 's even a legitimate business. She did n't have anything to verify their legitimacy other than " well we are on your credit report ''. I now owe {$28.00} to a company that I ca n't reach 4 out of 5 times and I ca n't get verification is even legitimate. I feel like this is deceitful and fruadulent.
BAYVIEW LOAN SERVICING LLC THROUGH ITS CRIMINAL DEBT COLLECTION ATTORNEYS, XXXX XXXX  STOLD REAL PROPERTY FROM ME, THROUGH AN ILLEGAL FORECLOSURE WITH OUT STANDING, PAYING OFF JUDGES TO BLOCK ME FROM .LITIGATING AND DEFENDING MY HOME. TO STEAL WEALTH THIS IS THE CURRENT SITUATION IN FLORIDA THE GOVERNMENT IS IN IT WITH THIS PREDATORY CORPORATIONS IN CONSPIRACY TO STEAL AND DEFRAUD PROPERTY FROM ITS CITIZENS, THEY VIOLATED MY FIFTH AMENDMENT AND FIRST, THEY ARE CURRENTLY TRYING TO SHOT ME UP AND LET THERE CRIMINAL ACTIONS GO UNTOLD AND UNPUNISHED. THE CFPB MUSY OPEN INVESTIGATION AGAINST THESE COMPANIES IMMEDIATELY. AS THEY HAVE NO RESPECT FOR THE LAW AND CITIZENS. AND ARE CRIMINAL THIEVES WHO STOLD PROPERTY AND EQUITY AND THEY HAVE NO TITLE AND ARE TRYING TO SHORTSALE THE HOME SO THEY CAN GET A HOLD OF THE CASH AND RUN LIKE THIEVES THEY ARE. THESE PEOPLE HAVE CAUSED GREAT HARMS TO ME WITH THE HELP OF THE CORRUPT FLORIDA CRIMINAL JUDICIAL SYSTEM. AS THEY ARE ALL AGAINST ME CAUSE I FIGHT BACK AND THEY DONT LIKE THAT, THIS CRIMINALS MUST BE INVESTIGATED AND HELP ACCOUNTABLE, AS THEY ARE THE CAUSE OF THE 2008 CRASH AND CONTINUE STEALING EQUITY AND MONEYS FROM CONSUMERS LEFT AND RIGHT FOR GREED WITH OUT BEEN JAILED.
Hello, I submitted a payment to Bank of America for my XXXX  XXXX credit card through my credit unions billpay on XX/XX/XXXX for {$700.00}. On XX/XX/XXXX, Bank of America debited my checking account on file ( from previous payments ) without my authorization for {$700.00}. I called Bank of America to notify of the error and dispute to have this double payment/double debit to my account resolved. I was notified that I would receive a credit/refund of this double payment in 5-10 business days. in this process, my credit union memo-credited me {$700.00} in the meantime until the refund was received. XX/XX/XXXX, 7 full business days later there was still no credit from Bank of America so I called to confirm of refund of double payment. Was notified by a separate employee that I did not provide a checking account number so no refund would be issued. I notified the employee that in my previous call on XX/XX/XXXX that providing an account number for refund was not given to me as an option. I was notified a check would be mailed within 5-10 business days. Gave employee checking account number for credit to once again be credited back to me from double payment made on Bank of America 's behalf without my authorization. Was notified this time, that the credit would be issued within 15 days ( by the latest date of XX/XX/XXXX ). My bank retracted the {$700.00} memo-credit to my account so I have still not been credited back for an un-authorized debit to my account by Bank of America for a double payment to this credit card account. This is a violation of my rights as a financial consumer as well as a Federal Regulation E violation. Regulation E ensures that the day a consumer ( myself ) verbally notifies the financial institution they have 10 CALENDAR days to notify of resolution with an absolute maximum of 45 days IF provisional credit has been made and I received error resolution notification within 2 days. This is a disgrace as a provider of financial expertise as well as a disgusting practice. It has now been 27 calendar days since my original notification of error with zero resolution from Bank of America and I have now been shorted {$700.00} wrongly with no sight of resolution.
I am being reported as 30 days past due by Ally Financial for XXXX incorrect months to all three of the major credit bureaus. I was told by Ally Financial that I fell behind 30 days past due for the month of XXXX but it is currently being reported for the month of XXXX and XXXX. I have been contacting them since XXXX in regards to the mistake and they have failed to fix this as it still shows the incorrect months. I disputed the information with them again on XXXX XXXX and it is now XXXX XXXX, 2015 and they just keep telling me they are working on it. According to the ( Fair Credit Reporting Act ) a company has 30 days to respond to a dispute and they have still failed to do so. I was never 30 days past due as my account was refinanced with them and all months were rolled over to the new contract. They are taking their time to correct the error and has not did anything to fix the issue and only makes excuses to buy more time.
Experian is showing 8 negative items. Each item could be substanuated by a police report or letter. Experian still did not delete the items. They do not care what they report. I have sent them police reports dealing with identy theft. XXXX XXXX is still on my credit. dated XX/XX/XXXX. It is XX/XX/XXXX delete it. XXXX XXXX is Identy Fraud. it is dated XX/XX/XXXX. XXXX XXXX was taken off the other two credit bureaus, not Experian. why, they do not care about the consumer.
I closed this account YEARS ago and continued to get XXXX balance statements. Finally last month I received a statement that had a small charge that had been reversed. I decided to call and find out why this account was evidently still open, even though I closed it YEARS ago. They said it was still open, I just received another statement. Saying my balance was XXXX. Minimum payment listed and everything. I am concerned that this company is refusing to close my account. Much like XXXX XXXX, they want a certain number of customers and accounts to look good on there business prospective. The name on the card is XXXX XXXX. My name before I married several years ago.
According to XXXX, XXXX and TransUnion my report publish information should be removed. Inquiries on my XXXX  report by XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these inquiries were not authorized by me. A collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.
XXXX XXXX XXXX re-aged XXXX of my accounts from XXXX XXXX. I sent copies of a credit report provided by XXXX with correct and original dates which stated that they wereto stay on my reports until XXXX 2016. XXXX deleted them on XXXX XXXX, 2016 but since put them both back onto my credit report. Equifax only deleted XXXX, refused to recognize the correct dates, stated that they lost my documentation eventhough they deleted XXXX off. XXXX is still reporting XXXX, after investigation they deleted the same account twice. I want to file complaints against all XXXX credit reporting agencies as well as XXXX XXXX XXXX for continuing to try reinsert these accounts knowing full well that they are in fact inaccurate. The very ones who are charged with theresponsibility of ensuring the accuracy of information continue to be totally inaccurate themselves.
Hello, I currently have student loans totaling about {$28000.00}. My loans are being handled by Navient.com. It was suggested that I apply for a Income Based Repayment plan, so I did. 
I currently do not work and our only income is my husbands income. I feel that it is not right to figure the payment amount based on my husbands income. I do not have a problem making a reasonable monthly payment or trying to figure out how to get student loan forgiveness. 
Navient calls me everyday from different numbers usually without leaving a message or they leave a computerized voice message. Navient sends me monthly email statements with different payment amounts every month. Some amounts are high and some amounts are low, never XXXX set amount. If proof is needed, I have saved every email that Navient has sent me. 
Please help me find a solution that everyone can agree on.
My information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late
please find attached the letter from the creditor Nissan Infiniti, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and XXXX. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
XXXX sold my loan to XXXX who sold to XXXX. BK was filed w/ XXXX so should never have sold. Experian is reporting it as a foreclosure and not bankruptcy status ( see attachments ).
XXXX sold loan to Carrington Mortgage Service, LLC on XX/XX/2016 -- -- XXXX last statement to me was dated XX/XX/2016 which listed my XX/XX/XXXX Payment. I had to contacted them about my XX/XX/XXXX and XX/XX/XXXX Payment which were never generated on a statement which I thought was a banking requirement. They were eventually able to give me my balance after I complained. I believe XXXX should have been required to give out a statement with the Balance Amount at the time of the transfer of both Principle and Escrow. 
ISSUES with -- -Carrington Mortgage Services , LLC . My problem is with making PRINCIPLE ONLY PAYMENT. Their online payment system only allows additional principle payment in conjunction with full monthly mortgage payments. They have an Other Amount option but have gives you know way to identify where or how you want that Other Amount of money will be applied ( additional Escrow, Principle or Monthly Payment ). I believe I 've found a work around with the online system that may work but why do I have to work this hard to make PRINCIPLE ONLY payments!!!! I have several payment that were not process correctly. The time frame for the correction was stated as 20 BUSINESS DAY which is a full month to get funds removed from regular payments to PRINCIPLE ONLY payments. I was later told the processing time is only 3 to 5 BUSINESS DAY, however that has not been the time frame for my two prior issue with the payments. I have issue making my principle only payment online and with a real representative by phone. I 'm not received any paperwork on any of the PRINCIPLE ONLY issues or correction of those issues. I would think correspondence would be required by law. My complaint main is that PRINCIPLE ONLY OPTION should be required to be easily available to facilitate early loan payoffs and debt reduction.
A lack of clear options and poor communications. Navient kept advising me to sign forbearance paperwork instead of taking the time to help me apply for an income-based repayment plan -- a better option ( less fees ) for which I did qualify. 

Tough to contact them in person for questions ; I feel like they always try to funnel all my communications to digital web site -- instead of talking to a real person who could help me.
Walmart was running a promotion on a credit card. Save {$35.00} when you open a card and use it for your first purchase. I applied and got granted the credit card and bought my first item on the same day. They are not honoring the promotion due to what they say " It is policy to use the promotion on the same day of opening the card. Due to the fact that your purchase was made on XXXX XXXX and payment was processed XXXX XXXX we cant apply the promotion ''. 

They wont honor the promotion even tho i opened the card at the time of checkout and used it to purchase an item on the same day because it took them 5 days to process the payment. The Item was ordered and Payed for using this new credit card On XXXX XXXX 2015, however they decided to process the payment on XXXX XXXX 2015.
XXXX is reporting my high credit as XXXX. Instead of XXXX as the high because of this it is damaging my credit. I originally had a student loan with XXXX XXXX who then assigned it to XXXX XXXX XXXX XXXX who set me up with the rehabilitation program which I successfully completed and then they assigned it to XXXX based on the paper work sent to me was XXXX/XXXX/XXXX. XXXX took my loan it was XXXX but they reported my high has XXXX starting me off XXXX down on my loan XXXX percent when they took the loan over and created a new XXXX which should have shown my high as XXXX with me paying the amount that they set up for me I still would not be able to pay it off unless I paid hundreds of dollars extra. I need this fix it is severely damaging my credit.
I contacted the credit burea u ( s ) and  inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX   XXXX   XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
1. I had a second mortgage on a property that was discharged in a chapter XXXX bankruptcy in XXXX. 
2. The lien on this property was settled and removed in XXXX. 
3. SLS, mortgaging service company, and debt collector, sent a fictitious bill dated XX/XX/XXXX. The outstanding principal showed approximately XXXX but the principal on the bill showed {$1.00}. Despite the principal obviously being XXXX SLS did not acknowledge the chapter XXXX discharge and was falsely attempting to get me to reinstate the debt. 
4. I informed SLS of their error and SLS sent correspondence dated XX/XX/XXXX acknowledging their error and informing me they would update their records. 
5. On XX/XX/XXXX SLS attempted once again to tempt me into reinstating this debt, failed to obey bankruptcy laws, etc. This is a deliberate and systemic collection practice that needs to be addressed.
My complaint is against XXXX and Experian. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.
I call Account control Technology XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX on and XX/XX/XXXX to get a pay off and the transcripts of my loan where the payment was going and interest. because they are taking XXXX an month out of my check and only haft is showing on credit report. i told the lady i was thinking about getting a loan to ay this off and was told i was not allowed to do that recorded phone call by them. Never received the papers call again on XX/XX/XXXX, to see where the papers was was told by XXXX that i only owed XXXX i asked what i owed and and that is what he said i asked him again and he said yes recorded phone call again by them. XX/XX/XXXX i got papers in the the mail to request a hearing i never asked for these again i called asked again for the interest and payments was told by a supervisor i owed over XXXX dollars. i told her what i was told she put me on hold to pull the phone call said she could not pull it. that XXXX  miss spoke. all these phone calls are recorded but they can not seem to get this one. this call can be used in court. i told the that this company works for the federal government when i told them that they said you would use the federal government. thay are not the federal government but that act as thay are.
A new collection listing on my TransUnion credit report under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and XXXX   has no business placingn it back on my file. I intend to file charges against XXXX for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of my credit file.
This was was associated with XXXX XXXXXXXX XXXX I received a notice that comenity was closing my card as much as I wanted to kee it I had no choice I started struggle with my account and had problems making my payments because of a hardship and a hospital bill for family health issues. 
I tried to explain that to the guy but he was very rude and got mad at me and hung up because my phone had an app that was also recording the phone call This was was very rude Ive called before for help and they never help me out now they have transferred my account to a third party collector agency. 

I want to enroll into a program payment plan that can help me reduce my payments and interest