WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.
I contacted XXXX to tell them that I wanted any payments in excess of my minimum payment to be allocated to specific loans ( ie the loans with the highest interest rates ). They told me there was no way for them to do that and that additional payments would be treated as payments in advance and such additional amounts would be allocated equally among all loans of various interest rates. I told them that this was unacceptable and that alternatively I could provide the exact amounts each month that should be allocated towards specific loans from the aggregate autopayment. They said they could not set this up in advance and my only option was to call them by phone each and every month after the date on which an additional payment had been made and request that such additional payments be reallocated after the fact ( which would require the phone representative to email their accounts team who would effect the reallocation within 3-4 business days ). There would be no confirmation provided to me and if any error I would be forced to contact customer service again. 

This process is administratively burdensome ( I spent 40 minutes on the phone with them ),  potentially fraught with human error and I feel designed intentionally to prevent me from allocating additional payments to my highest interest rate loans.
Discover card was paid almost 2 years ago and they continue to update monthly and damage my credit. It is affecting my financing and they are in violation of the FCRA.
Sent letter to transunion asking them to remove certain personal information off my credit report such as incorrect addresses and any accounts associated with them as they are fraudulent. I got my response back on   XXXX   from transunion showing that none of the personal addresses and accounts were removed and the information i requested they investigate was not done at all. instead their response was dispute information updated or verified as accurate yet i asked them for their method of verification and what was updated and verified. I do n't believe anyone or at least a human person even looked at my letter because i do n't know what was updated or verified as none of this is clear and simple to understand. looking over my report its obvious there are things that are clearly incorrect and not accurate. I would  hope  that the CFPB can knock down the doors at transunion and ask them to do their jobs and truly clean up the errors on my account.
I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX/XXXX/2003, I am requesting this be removed from my credit report.
I returned from  XXXX  in  XXXX   XXXX , and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a   XXXX   XXXX   from  XXXX   XXXX  until  XXXX   XXXX , and then returned in  XXXX   XXXX  through  XXXX   XXXX  to teach  XXXX  and  XXXX  at   XXXX   XXXX   XXXX  .     - According the credit reports I have managed to obtain, all accounts were opened and used while I was in  XXXX . I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the account s - two have been re moved from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from  XXXX  that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account.     - The disputes came back from each CRA, including Equifax and  XXXX , with no changes. I have sent all CRA 's, including Equifax and  XXXX , substantial proof that I was living in  XXXX  at the time the accounts were opened and used in the United States. Regardless, Equifax and   XXXX   have not fully investigated the issue or accounts nor removed the fraud from my credit report permanently.  XXXX  only finalized this issue because of the complaint with CFPB because they realized they did not follow the law in completing the investigation. Equifax and  XXXX  are also not following the laws in credit reporting by not accurately and completely investigating the issue despite all of the documentation provided.     - Becoming hard-of-hearing as an adult and not able to use TTY service s ( or ESL ), i t is very difficult to communicate with the credit card companies myself. I send everything through letters or fax but those documents are not accepted as they will only " speak '' with me over the phone in order to validate my information.     - There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.     - I have again attached documentation of proof of   XXXX   XXXX   timeframe from  XXXX   XXXX  until  XXXX   XXXX  in  XXXX , police report, and FTC Affidavit.
On    XXXX   XXXX   XXXX   this company received a letter requesting validation where I asked themn either provide me with proof of m y liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809
M & M added a medical bill to my credit report. This bill was paid in full with the company. I have spoken with the company, billing department and the collection company. This action caused my credit score to lower. I would like this matter resolved and removed from my report immediately. The charge is for {$53.00} with XXXX urgent care bill was paid in full XX/XX/2018.
I am currently on an Income Driven Repayment ( IDR ) plan and I agreed to electronic and direct deposit. I firmly believe that these plans are created to lower payments to a more manageable XXXX ( of course interest still accumulates ). I pay XXXX a month and woke up this new year to a XXXX withdrawal. Not only was Fed loan rude but they put all the blame on me. I spent the afternoon stopping payment from my bank and dealing with Fed loan trying to still attempt to not default but was not able to reach any type of compromise. My only question is its 2017 is the best form of communication an email over the holidays with no marker of importance, no title in the email stating my rate would go up, not a prerecorded phone call or send a text ( they do of course offer texts for promotional services ). I understand of course as they stated this is all my responsibility but with such a significant increase in payment I definitely think a better effort on their side communication wise is definitely warranted. I feel the worst for the call center employees since they are forced to deal with unnecessarily upset customers. I mean where is the logic here I 'm on and IDR because I ca n't afford a regular payment so go ahead and instead of charging me XXXX charge me XXXX. I guess understanding of my situation was just to hard for them. I was not notified of forebearance till the 5th time I called TODAY! I am definitely reconsolidating and looking for a better servicer. After all was said and done I attest that this process took 6 hrs today and by the time I called back the calling center was closed!
I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return P.O. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.
I have a case against me for a past medical bill, total amount was {$5000.00}, now its {$4700.00}. 
I have been able to make payments. I have want to get this taken care of. 
Since XX/XX/2018, i have had some issues like : change in job position -- which i make less money now, death in the family & some health issues. I have not fell behind on purpose. I received paperwork not negotiating but ordering me to pay a certain amount on a certain date & I thought if i didn't do that, I would be in bigger trouble. 
So some issues recently forced me to fall behind & now they want my personal finance info. 
case # they gave me -- case # XXXX
SYNCB/CARECR ACCOUNT NUMBERs : XXXX XX/XX/XXXX C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CARECR or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CARECR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
For the past two months i have gotten in touch with Ford Credit to report my payments to the credit bureaus. it has fallen on deaf ears. i am current on my car loan and i am even paid ahead. this is not helping me build any credit.
Loans were taken out in my name fraudulently by XXXX between XX/XX/XXXX - XX/XX/XXXX. I have tried to combat that, and the issue is n't moving. My loans were listed in the XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX loans in my name, Many with no signature, I ca n't get approved for anything.
My wife and I were denied a mortgage by EverBank because they would not consider her employment income while using their " asset depletion '' income calculations associated with my savings and retirement accounts. Our FICO scores were in excess of XXXX ; my requested loan amount was only XXXX % of the property value. My income was computed under their " asset depreciation '' computation ( they used only about XXXX % annually of my cash and other liquid assets for qualification and my liquid assets are XXXX times my loan request! ). They refused to consider my wife 's ( and co-applicant ) salary to qualify us for the loan. My wife has been teaching at the same place for more than XXXX years and has no plans to retire. This is blatant age discrimination! EverBank said that it is their underwriting policy to not consider a co-borrower 's income if they utilize retirement income under their " asset depletion '' for another co-borrower. Obviously, this is not only ridiculous but it has a disparate effect on older credit applicants because they surely more likely to be retired.
We submitted a short sale offer at {$200000.00} to GreenTree on XXXX/XXXX/2015. The file was assigned to a XXXX XXXX. On XXXX/XXXX/2015 GreenTree countered our offer at {$250000.00}. We received a copy of the BPO and the value was {$230000.00}. Our buyer increased their offer to the appraised value of {$230000.00} on XXXX/XXXX/2015. The file was transferred internally at Greentree to a new negotiator by the name of XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX sent another counter offer of {$250000.00} on XXXX/XXXX/2015. We have received an updated copy of the BPO that shows the updated value is now {$230000.00}. GreenTree is clearly committing fraud. based off the appraised value each time our offer met or exceeded value, yet each time GreenTree counters above appraised value.
I stayed at the XXXX XXXX XXXX from XX/XX/2016 ro XX/XX/2016. The front desk had some issues charging my credit card for some reason but they did not contact me to advise me of such issues. On XXXX/XXXX/2016 I received a notification from my credit monitoring application stating there was an open collection filed with Allied Collection Service. I called XXXX to ask why they did not contact me if they had issues with payment prior to sending a bill to collections and I was told by XXXX XXXX from Business Corporate Office that they are not obligated to inform their guests of such issues. I believe the XXXX violated FCRA and Unfair Collection Practices Act. I also believe they violated Regulation Z, the truth and lending act. Upon contacting Allied Collections I was told they sent a letter of validation however I never received this letter nor did I receive any other kind of attempt to contact me. I can not pay a balance or bill if i do not know it exists.My credit score has now suffered due to the inability of XXXX XXXX XXXX to notify me of the issues they had.
On XXXX/XXXX/2016 I ordered a trial size of XXXX dietary supplement from what I thought was a XXXX web site, which was actually an impostor. I paid {$4.00} for that transaction by Citi credit card on this fraudulent site. At XXXX I received an email confirmation from XXXX for this single transaction. 
The Seller, which was identified by Citi as XXXX : XXXX, represented by XXXX XXXX and XXXX XXXX XXXX were running this fraudulent web site with fake testimonials, where I bought from, which was designed to imitate official looking XXXX website complete with XXXX logo and layout XXXX The web site is no longer operational. But judging from the other customer reports on XXXX this scam might be run by multiple sellers on multiple short living web sites. 
XXXX provided a description of this scam on their web page XXXX On XXXX/XXXX/2016 the Seller made an additional charge of {$89.00} using the same credit card I supplied with the first transaction, now for subscription, which I did n't authorize and disputed with Citi. 
The Seller responded to the Citi request providing information from their real web site XXXX, claiming that I ordered subscription from that site, which I did n't. Citi declined to issue a credit for this fraudulent transaction.
Reference : Acc XXXX XXXX XXXX XXXX XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX is in violation of the Texas finance code Sec. 392.101 this  company does not have an active surety bond to collect a debt in the great state of texas and Section 392.101 of the Texas Finance Code clearly prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
While reviewing my TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiry conducted by XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry and this gross negligence on the part of XXXX employees is a serious breach of my privacy Act and in violation of FCRA Section 1681 b ( c ). 
I did not sign any written consent authorizing employees of XXXX to view my credit report for any purpose, thus, the inquiry was an illegal conduct.
I got behind on my mortgage in XX/XX/XXXX, due to Wells Fargo said they did not get a payment that would have kept me out of foreclosure of over {$1400.00} the XXXX county Veterans services had help me with. So the XXXX county Veterans services gave me an affidavit to send to Wells Fargo, and never got a response from that neither. I was only making {$9.00} a hr and paying child. So I lost my job in XX/XX/XXXX, due to workman 's comp. injury. I received unemployment until. XX/XX/XXXX. I haven't got a job yet but am due to start one next week. I had XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX help me with getting a modification. He can tell you all about my situation. His ph number is XXXX. I was told to get a job/decent income to stop foreclosure by him and Wells Fargo. I been having car problems but like I said I start a job next week. Wells Fargo did send me the {$1400.00} back. XX/XX/XXXX. So they did get the money XXXX county Veterans services sent them, but told me and XXXX XXXX They did not get it on time, XXXX County Veterans Services sent it the day before and would have stop foreclosure. Now they telling me my house is sold. I asked XXXX XXXX to ask Wells Fargo for a few more weeks, two weeks ago. But they did not respond back. I did not get the letter about a sale date until this week after it was sold. I lived at this house since XX/XX/XXXX. I was in foreclosure before in XX/XX/XXXX due to divorce. My ex-wife was responsible for the mortgage payment then and I was not living here, she was paying for it over a year but stop paying before she moved back to XXXX XXXX. After the divorce. So Wells Fargo took almost three years to do the remodification then and was told by them not to send no money until it was over. But I was working back then and sent money twice and they spent some back to me. That was in XX/XX/XXXX/XX/XX/XXXX. When they did completed the remodification my Mortgage payment went up from {$290.00} to {$360.00}. per month. I should have reported that back then. I was told that was not right. My question is why they such in a rush to do this remodification now, when it took longer the first time.??
I XXXX XXXX have a collection placed on my credit report with National Recovery Agency located in XXXX PA. I have never opened an account with this corporation and they have failed to provide me with a proof of debt. This negative information was placed on my credit report on XX/XX/2018 for the amount of {$540.00}. I have been hindered in opening credit lines purchasing a new vehicle because of this negative information on my credit report. I am including tracking numbers that proves National Recovery Agency has received my dispute via USPS # XXXX this dispute letter was received on XX/XX/2018. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.
I found out on XXXX XXXX 2017 that Equifax potentially leaked sensitive personal information about me, and that the security breach had been open for 5 weeks. I am worried that I may become a victim of identity theft, which puts me at risk for loss of thousands of dollars and ruination of my credit.
This account was paid off In XX/XX/2017. Since then I have been contacted by Three different collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
I received a call from XXXX regarding a debt with Continental Finance. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from Continental Finance.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXX {$760.00}
I never received a letter in the mail about this account. And I never received a collection notification letter as well. I 'm very disappointed how agencies can just put you in collections without letting me know by phone or mail.
Case # XXXX, XXXX XXXX XXXX Sold to Nationstar Mortgage DBA XXXX XXXX XXXX. 
Plaintiff Attorney : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I am a victim of fraud and deception on my primary mortgage loan. My lender misrepresented the terms and conditions of the loan. My loan as to my understanding was with XXXX XXXX XXXX for my reverse mortgage. They failed to notify me to confirm the occupancy of my home and made a decision to declare it as vacant/abandoned which was inaccurate. I am filing a complaint to have this investigated immediately to avoid losing my home.
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX XXXX County told me that they do not verify that information. 
XXXXXXXXXXXX
I had accident while working as an employee XXXX. The medical bill was taken care off by workers ' compensation but later on i received a letter from a law firm stating i am responsible for another bill. I called the law firm and provided them with the workers compensation company, the name of the benefit counselor. I was told by the law firm that they just needed the name of the workers compensation, the billing code and everything would be resolved. I never heard from them again. 

I checked my credit report and found out that the said amount had been sent to collection in the new amount of {$230.00} and has damaged my good credit score. I never owed this amount. I have been unable to find a job in my field because of my credit score. 

I would like your assistance to please help with the removal of this negative report on my credit information. 


Thank you