WillisBack/dataset-financial-user-claim huggingface dataset:
I received an offer for a US Bank credit card@14.49 % tied to confirmation code : XXXX. The offer must be accepted by XX/XX/2017. I applied yesterday XX/XX/2017 and the rate jumped to 14.74 % I work in the mortgage business so I would think the code locks me in at the 14.49 % rate and will change based on the Prime Rate after introductory signup. How can my rate change because the Prime Rate went up last week. That is n't stated on my bill. It states APR will vary, but no where does it state that the introductory APR will change based on the Prime Rate or what 's the sense of having a confirmation code locking in a current rate? On top of it when I accepted the card at the 14.74 % the print out stated my rate is 10.74 %. I do n't know what 's going on, but I do n't like the fact of not knowing what percentage my card is tied to and why cant I just get one rate quoted to me like the offer stated. I 'm also reaching out to the Attorney General. At this point I 'm not sure if this is fraud or why is US Bank continuing to change the APR in this case three times??? I feel this is VERY MISLEADING & CONFUSING on a consumer. If my term and conditions state 10.74 % on the accepted card and terms when my card was accepted. I would think that US Bank should be binded and honor their own terms and conditions!
Dear XXXX. EQUIFAX. XXXX I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you
On XXXX XXXX, XXXX, I called Sears customer Service to ask them about making payment online which was n't due until XXXX XXXX. I spoke with Representative XXXX, whom informed me that I would n't be able to make payment online because I do n't have the credit handy and she said she order new cards for me and I told that yes I would like to order new cards. So after ordering the new cards, I told her that I would like to make payments on my Sears Regular Credit Card Ending in XXXX for {$150.00} to post on XXXX XXXX, XXXX and she went ahead process the payment with confirmation # XXXX and she said everything look good the payment will posted within 24 hours. After making sears regular credit card ending in XXXX, I told XXXX XXXX that I have another Sears Mastercard ending in XXXX and that I would like to make payment on that card for {$100.00} to postdate on XXXX XXXX which was 7 days and the payment were above minimum amount ; which she did and told me that everything look good and the payment will be posted within 24 hours with confirmation # XXXX. On that I made other bills payment which posted to my bank account smoothly with no problems because I was keeping checking my bank account daily. So on XXXX XXXX, when I was looking at my bank and saw that sears cards payment didnt went through I got panicked and called sears customer service ; and ask them to let me speak with their management, and as soon as I spoke with management they told me that my payment did n't clear from my bank, and she said there was a reason. So asked the management for the reason, so they said that the reason my payment didnt clear my bank because my address change which I have n't I havent made any address change since XXXX when I opened my bank account. I have worked in the XXXX XXXX for longtime to know thats completely not true because I have made payment with them before and had no problem with the payment. so she said that theres nothing they can do and its reported to Credit Bureau as late payment. I went ahead made payment on XXXX XXXX on card ending in XXXX for {$160.00} ; and same date on card ending in XXXX for {$120.00}.
On XX/XX/2018 I applied for a loan with Justice Finance, they took my information and stated I would get a call back. XXXX, the manager ; called back stated that he was not going to loan to me because he knew my coworker and she was in bad standing with the company. XXXX then stated my coworkers name and that the co worker did not pay her existing loan so that why he would NOT he give me a loan. XXXX told me that I was guilty by association and chuckled. To my understanding this is a Act of Equal Credit Opportunity, I feel discriminated against. I was NOT Provided with  a notice of DENAIL.I requested a notice of Denial and they will not give me one.
Several items on my credit report with this company are for years prior to XX/XX/2011. I have written this company twice asking that these items be removed from my record to no avail.
Bank Of America, credit card. interest rate was 31 % and monthly payment was {$700.00} per month. Years of XXXX to XXXX I was strangling with personal financial situations, I work on commission and little money I was producing was just enough to eat and pay some bills. In XXXX XXXX I called Bank of America a few times asking to please reduce my payment to {$250.00} x month until I 'll recovered into a better financial. Instead of received help, the bank sent my account to Charge Off Account. 
On XXXX Bank Of America reported Charge Off Account to the credit Burrows, and stop sending me monthly bills statements and phone calls. On XXXX XXXX the bank started to report every month late payment to this date XXXX. 
After account is reported as Charge Off, can the creditor report late payments to the Burrows? these late payments is horrible damaging my fico scores.
Last year Account Services started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and XXXX I have n't been able, as they stated that ACcount Services needs to be the XXXX requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.
My monthly mortgage went from {$480.00} to {$870.00} over the past two years. I have a fixed interest rate loan and the mortgage company listed the extra money due as Escrow for insurance and taxes. My property taxes are less than {$400.00} a year. I have called the lender numerous times only to get transferred to the " correct '' department that places me on hold for over an hour, then disconnects. This happened over the course of two days and more than XXXX phone calls.
inquiries that i didnt initiate are on my report and TU is n't removing and stated i need to refer to creditors. i have and was referred back to them and told that it stays for 2yrs. it should be deleted as other bureaus have done. If i never called these creditors and asked for the inquiries i shouldnt have to call and go back and forth between companies for a removal. TU has sent me back and forth needlessly. my dispute should n't have to take all year to complete nor even a week.
I filed a complaint on  XXXX / XXXX / 2017   Case  #  XXXX . I received an unsatisfactory response from Ditech. I spoke to them since and they said they would have someone from their escrow department call me. No one did.     The numbers do n't add up. I have asked  them ( several times ) to expl ain, in layman 's terms, the specific increases that add up to the large increase in my mortgage payment. I AM DISPUTING THEIR RESPONSE TO MY COMPLAINT As a side note I called CFPB today and I 'm not sure why but when she looked up my case she gave me a totally different case number. I was given case #  XXXX
I signed up american express delta skymiles card late in XX/XX/XXXX, which offers sign-in bonus for XXXX miles after meeting {$1000.00} in spending. I met the spending amount in XX/XX/XXXX. I did n't see the bonus being posted. Called customer service 4 times since, each time I was given a different excuse on why it is not posted on my account. Last two conversations, I was told that they have technical issues and no idea on when the miles can be posted. I am going no where with the company and no idea when this can be resolved or the whole thing is just a scam.
Experian stated via phone conversation they would not dispute nor would they explain/provide any info to assist in the matter of XXXX accounts. The account for " XXXX '' is unfamiliar to me and I know nothing of them or a debt owed and want proof of debt and dates, etc or I demand it be removed immediately. XXXX and XXXX have both removed it but Experian refuses to investigate. The XXXX account for " XXXX '' is reflecting incorrect information. The " DATE OPENED '', " BALANCE '', " PAYMENT STATUS '' etc. No balance is owed to them, there is no late payment and its much older than the re-aged lie that it reflects on Experian. Please hold EXPERIAN accountable to correct these issue immediately. Perhaps both accounts should be removed. Experian is my issue here! I would like to see the justice here in reporting true and accurate info as well as due diligence in an honest attempt to collect facts and protect the consumer rather than damaging my credit.
After sending information to verify myself ( XX/XX/XXXX ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX not mine XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine PERSONAL FINANCE XXXX not mine
My identity was mistaken by a debt collector named Debt Recovery Solutions , LLC ( " DRS '' ) of XXXX, XXXX, XXXX XXXX. DRS claimed I owed a debt for medical services that in fact were not related to me and that I did not incur. I disputed their claim in writing and requested that they provide supporting documentation verifying the accuracy of the debt collection. Subsequently, the supporting documentation they provided reflected information of an individual with a similar name as mine, but with a different date of birth and an address at which I have never resided. Thus confirming that DRS 's attempt to collect this debt from me is erroneous and baseless. 

Nevertheless, DRS has negatively impacted my credit report, by recklessly reporting this debt collection to my credit report. I have disputed this debt collection and erroneous credit reporting to both XXXX and DRS and have provided DRS with documentation that contradicts and disproves their claim of my obligation to this debt.
XXXX states that I owe them {$390.00} for discontinuing service with their company while under contract. I claim that I was not under a contract when I discontinued service with their company. I have asked XXXX XXXX to provide proof of contract, and they can not. They have turned my account over to numerous debt collection agencies, and one of them ( Enhanced Recovery Company ) has listed the unpaid debt as a negative on my credit report.
I am being charged for a bill for XXXX that I did not have on the date it is said never had XXXX during that time or address I was living at.
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have tried repeatedly to have these medical Bill 's removed from my credit. Multiple times I've been contacted and threatened to have my credit damage unless I paid the Bill 's. I am a XXXX   veteran and Medicaid paid the Bill 's. Also the va made a payment but they still refuse to remove the medical Bill 's from my credit.
Open account on XX/XX/2018 through the Citi bank official {$400.00} promotion link. Deposited {$18000.00} on XX/XX/2018. Fulfilled the requirement of maintaining a minimum balance of {$15000.00} in my linked checking and savings account for 60 days on XX/XX/XXXX. 
Still have not received the {$400.00} promotion bonus yet. 
Have chat with agents many times. I believe the promo code is : XXXX. Could you help me solve this and post the {$400.00}?
After 9 months of providing volumes of information to facilitate a loan modification on a XXXX mortgage of {$23000.00}, we were informed in XXXX by Wells Fargo that our request was declined. The reason given was " Your loan with us is not a XXXX lien mortgage ''. Wells Fargo took us down the path of requesting financials and making us believe the loan would be modified when they knew right from the onset that this was a XXXX mortgage and had no intention of modifying or assisting us in our financial hardship. 
We submitted Loan modification documentation to Wells Fargo in XXXX and XXXX, XXXX, respectively, and made subsequent follow-up calls to the Home Preservation Specialist ( See XXXX ) and left voicemail messages which were never responded to. On XXXX/XXXX/XXXX I received a voicemail asking for some minor updates and clarifications which I responded to the same day only to be told on the next day that they were too late to be considered. We have been harassed with foreclosure action for the last several months when in fact ASC ( Wellsfargo Home Mortgage ) has had all the necessary documentation to facilitate a modification of the loan as sought. We would like for our request to be reviewed in light of the unfair treatment we have been subjected to, which has further compounded the hardship we have been experiencing. We were forced to borrow from our 401 ( K ) to make a {$5600.00} payment on XXXX XXXX, XXXX to avoid foreclosure, which included foreclosure fee/cost - {$920.00}, unexplained Unpaid Advance balance- {$1500.00} and Escrow Advance - {$73.00}, to reinstate account due to Wells Fargo 's failure to complete the review of the modification request as promised. We will appreciate if the {$5600.00} is refunded back to us and account modified and/ or reaged as previously promised. Furthermore, we have paid more than the original XXXX amount at the usurious and predatory lending rate of 13.29 %. Current Principal Balance {$22000.00} ; Loan Origination Date XXXX/XXXX/XXXX ; First Payment Due Date XXXX/XXXX/XXXX Maturity Date XXXX Effective Interest Rate 13.29000 % Original Loan Amount {$25000.00} ; Amount paid since origination {$40000.00}. While the account was being reviewed for modification, Wells Fargo accelerated the loan and started foreclosure action even while telling us that the property would not be foreclosed on. It is apparent that Wells Fargo causes my aggravation than assistance to it 's customers as evidenced by the numerous complaints some of whom have lost their homes to foreclosure, which seems to be the business model that Wells Fargo uses. Our credit and financial situation was worsened by Wells Fargo 's unfair and deceptive practices. It should further be noted that Wells Fargo would not even offer a deferment or payment plan to us to get caught up on the past due amount, which lends credence to the notion that Wells Fargo uses foreclosure as a cash cow! The holder of the XXXX mortgage ( XXXX ) were extremely helpful and completed the modification in 45 days.
This company no stop calls me almost daily! I and my wife have both asked them repeatedly not to contact us by phone only to contact us in writing. We both receive calls almost daily! If the cant get me they try my wife then call Me back! It is out right harassment! They keep threatening to place the item on credit report! I and my wife had told them go ahead! They keep calling non stop! We have told them several times no contact butnin writting. They keep calling
EQUIFAX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XX/XX/XXXX. Collection XXXX reports twice a month, and they refuse to remove the paid collection! This is unacceptable and violates FCRA laws! I reported these discrepancy XX/XX/XXXX. EQUIFAX continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report XX/XX/XXXX and having my credit scores raised for the months of XXXX and XX/XX/XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XX/XX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XX/XX/XXXX and EQUIFAX wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XX/XX/XXXX. Moving forward I have substantial documentation for each creditor to validate my claim to no lates on auto loan and the XXXX XXXX library fines are paid in full at the beginning of XX/XX/XXXX.
On XX/XX/XXXX I sent out validation Letter to the company whom have been requesting me pay a debt of {$170.00}. On XX/XX/XXXX the company SouthWest Credit (  collection agency ) sent me back on letter that enclosed the account, company, policy number and dates for the coverage they claim I owe. However they have failed to validate this account belongs to me. I am requesting this collection be removed from my credit report with all three CB 's. This is destroying my reputation as a credit worthy individual.
I have a settlement that I am paying off through Attorney XXXX at O & L Law Group XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.
I found and contacted the seller of a XXXX for {$1200.00} on XXXX on or about XXXX XXXX, 2015. The seller is listed as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXXAfter a series of communications, the seller gave me an XXXX Payments Order ID XXXX, asked that I send the purchase price through MoneyGram to that company 's attorney, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. This was done on XXXX XX/XX/2015. 
I learned that the funds were picked up by XXXX XXXX in XXXX XXXX on XXXX XXXX. 
I have sent a number of emails to XXXX XXXX asking for a status report with no response. 
I want to knowXXXX Is this a scam or not,XXXX If yes, how do I get my money back? 
XXXX How can we stop this experience help stop future scams
My loan is with Santander Consumer. I bought the car at the dealership and the bank opened 2 accounts for the same car. I referred to an oficial of the bank and they said that the dealership created the problem but they will fix it. Santander oficial instructed me to stop payments until one of the account was closed, I follow their advice as told, I paid around 3 payments in just one time and my credit report took a dive from XXXX to low 600. I have called them many times and now they said that they do not have a record of all that happened. I have had credit card denials because my score shows a charge off which is incorrect. Santander Consumer has not give me an answer or return my calls in the last 3 months.
Experian continues to report a negative payment status ( XX/XX/XXXX ) on a XXXX XXXX account that was settled in XX/XX/XXXX. I have disputed this error twice before, most recently on XX/XX/XXXX. Experian 's response was that it would take up to 30 days for them to contact XXXX and to complete their investigation. It has been XXXX days with no correction of this error and, in fact, Experian continues to move the delinquency to the most recent month ( now XX/XX/XXXX ) for the apparent purpose of causing the most damage possible to my credit. My dispute submitted on XX/XX/XXXX included a reference to CFPB complaint XXXX which was my dispute directly with XXXX. XXXX XXXX response agreed with my complaint and stated, " On XX/XX/XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XX/XX/XXXX. '' XXXX and XXXX did correct this error, however, Experian has simply moved the delinquency to XX/XX/XXXX. They have arrogantly ignored the intent of the instructions from XXXX and now falsely claim that they are " contacting the information furnisher '' to complete their investigation. The response from XXXX clearly indicates the wishes of the information furnisher ( XXXX ) to remove the delinquency so Experian has absolutely no excuse for continuing to report this error. This is a clear and intentional violation of the Fair Credit Reporting Act Since the CFPB has, by federal law, responsibility for the oversight of the credit reporting agencies, I request that the CFPB take action beyond just forwarding this complaint to Experian. It is evident that Experian has no intent to take action to correct this erroneous reporting and is in violation of FCRA sections XXXX and XXXX ( willful and negligent noncompliance ).
Closure Date : XX/XX//2016 Charge off Amount : {$1000.00} I contacted them to understand the charges but they refused to disclose the information and said it was sent to collections.
I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under medicaid/ caresource but the companies refused to resubmit it and caresource has no record of it being submitted.