WillisBack/dataset-financial-user-claim huggingface dataset:
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

EQUIFAX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX  ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  (XX/XX/XXXX 5. XXXX  ( XX/XX/XXXX).

Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
The accounts XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
I had hired a Law Group that I had hoped could assist me with mortgage fraud that has been perpetuated against me for more than TEN years. After a discussion of my case with XXXX XXXX XXXX, which I was given the impression would direct me to a local attorney to assist me in my plight, I discovered they are ONLY in California, do NOT provide one with an attorney. At this juncture I had only given then a copy of ONE mortgage statement and some basic information. I divided the cost of {$750.00} between two separate Debit cards. Once I advised XXXX that I had fired this company and was repeatedly told by XXXX XXXX XXXX that " accounting would refund my money as nothing was done or submitted on my case. This went on for nearly a month and nothing was refunded. I finally had to deal directly with the banks independently and the charges were reversed. 

Apparently XXXX XXXX XXXX provided a retainer agreement to XXXX who without consultation with me reversed the fees and charged me once again. You should know that the retainer agreement DOES NOT HAVE MY SIGNATURE ON IT!!!!!!!! It was typed my XXXX XXXX XXXX and NOT signed by me. XXXX has refused to return this money or cease activity on my account and in fact charged me HUNDREDS in overdraft fees that I never should have been charged!!!!! 

Mind you I survive on Social Security XXXX and now can not afford heat my home or pay for electricity in my home because of XXXX XXXX  lack of due diligence and fiduciary responsibilities to me as the client!!!!!
XXXX is by far the worst mobile phone company in the nation. I spent thousands of dollars on their service and products over the years only to deal with call drops, account overages, and poor customer service. It is a small amount in dispute and they have dropped my credit score over XXXX points in a matter of 1 week. I have been working hard to build my credit over the past year just to have it ruined by a XXXX company. I will never do business with XXXX again and will persuade all of my family and friends to switch to any other carrier.
Another problem with Capital One Credit Card Division. 
I ordered services from a company XXXX. 
This company deals with, XXXX, a credit card processing company. 
Capital One internal fraud division put this account and another of my account on lockdown for a very stupid reason. 

" My credit card is not used frequently for Capital One 's standard '' is the excuse the fraud department told me on XX/XX/XXXX at XXXX. 

I alternate my credit cards so I do not overspend or go above my limit. 
I am XXXX and ill and have limited income and use my credit card for usual expenditures and large expenditures when needed. 
Capital One makes money from from interest charges, yearly fees and a rare late payment ALSO makes money from certain insurance policies premiums. 
Capital One cancelled this transaction without notifing me and also XXXX ( who is awaiting payment approval ). 
This is the SECOND TIME Capital One Fraud Department did this to me. 
The other time was in XX/XX/XXXX and Capital One was totally ignorant and could not find their records on the conversation by telephone and e-mail'So Capital One refused that payment to an apparel company in XXXX. 
Capital One customer service agents, in the Fraud Department are extremely poorly trained because they can not use their computers to find supporting documents OR Capital One illegally deletes those supporting documents. 
I am afraid if I use my credit cards for a large purchase, the purchase will not go through and I will not received the item ( s ).
I tried to deposit check into account on XX/XX/XXXX ... ATM stated hold til XX/XX/2018. Upon waiting for check to clear BOA stated they were closing my bank account without notice I inquired as to why their response was my check was fraudulent and could n't be verified bank check was issued from XXXX XXXX XXXXXXXX in which XXXX XXXX XXXX XXXX XXXX gave me the check. I was able to call to verify check thru XXXX XXXX XXXXXXXX. After back n forth calls with BOA they still have n't told me what happens to my money NIR have they stated when I was to receive me funds. I 've lost a lot of gas patience bills are backed up and I dont know what to do.
I foreclosed on my FHA home loan in 2012. I was not approved for the harp refinance program. Although, citimortgage received government funding to assist struggling home owners. I should have qualified but they made it difficult for struggling homeowner to get assistance. 

I reached out several time and filed a complaint. Then, I received a letter requesting document to be signed and returned within two weeks. The letter had a contact number listed to call for questions and information regarding the documents. I have called the number several times and have not been able to get assistance with these document they are requesting. I have spoke with several Citimortgage employees who are unable to assist me with these document and the department they came from will not answer the phone or return my calls. 

This is an example of how citimortgage makes it difficult to refinance and get assistance with document they are requesting.
I was sent to collection by XXXX XXXX for a debt the was supposed to be sent to XXXX XXXX. XXXX never forwarded the bill to XXXX XXXX, but instead put me in the hands of XXXX collection and now Overto Russell & Doer. This account is XXXX years old. I have documentation from XXXX XXXX
Capital One mislead me and had me under the assumption that my account was protected under their payment protection plan if I ever became unemployed and could not make my payments. I was unemployed and could not make my payments for three consecutive months. I was never notified by Capital One that the payment protection plan was no longer existent.
TransUnion is reporting account number XXXX with XXXX that is an Authorized User account and is not mine. This account was never mine and should have never been on the report.
Honestly I do n't have the dates. I thought this matter was resolved. I placed an order using a XXXX card for a portable air conditioner. After almost a month, I called to cancel due to the fact it was a heat wave coming and my family had no working air conditioner. I had to purchase one immediately, there for I no longer needed the one I ordered. Also, I had received no word from them as to the status of my order. When I had XXXX years ago, They would send out a card, keeping you abreast of the status of your order. When I called, the young lady informed me that the item had been delivered. I said, no, I am XXXX and I am home all day. No one has come to my door. She then proceeded to tell me to wait 5 business days and call back while they work on finding the information. I called back on the 5th day. I was spoken to in a most demeaning manner. The guy was rude beyond words. He told me that it was delivered to my door. I told him. I am XXXX and I am home all day. No one has come to me door. He proceeded to shout at me telling me it had so been delivered. Then he asked, did I ask my neighbors. Why would I? I have never had an issue with a purchase. I also, purchased from XXXX for several years, with no problems. Now I see on my credit report that I own them {$600.00}. I refuse to pay for an air conditioner I never received. XXXX should not be allowed to place that purchase on my credit. They are trying to hold me hostage unjustly!. I have had no one come to my door. I did not sign for any purchase and they should be made to remove that product from my credit period! I have had to take extra XXXX medicine because of this injudicious matter. Please help me!
I Disputed with XXXX in Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. So I Called XXXX  again about why my dispute was not investigated correctly on XXXX/XXXX/XXXX at XXXX. Spoke with XXXX. She stated shes putting in another direct dispute and it could take up to 60 Days. Because I sent in proof of payment from a letter from E*Trade showing they confirmed my payment on XXXX/XXXX/XXXX. Also that the payment was taken out from my XXXX XXXX Checking Account with my online dispute from Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 
It still wasnt removed as a delinquency. 
As of when I received my updated experian credit report they sent me on XXXX/XXXX/XXXX. This has been hurting my credit since XXXX. I am fully XXXX and to sick anymore to fight these companies. Which E*Trades Number on my Credit Report is disconnected. 
Please please help me fix this. Im in dispert need of your help. Also with other problems that they wouldnt fix as well on my 3 Credit Reports that I 've been trying for about 2 years now. But it becomes to overwhelming for me because Im very sick. 
Thank You and XXXX Bless, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX H : XXXX C : XXXX XXXXXXXXXXXX I have proof of all my payments. 
Please just tell me where to forward them.
XXXX XXXX submitted her debit card information to XXXX credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.
Several attempts in writing were made to Navient to provide original master loan instruments of debt to verify and validate. Documentation was not received in timely manner. Sufficient original promissory documentation listing them or the loan amounts and terms were not received. Navient is reporting duplicate and false info to credit bureau 's severely hurting my financial status with Navient deceptive practices. Navient sent a printed statement. Need quick help. Thanks,
I have had a mortgage for many years, and the escrow has always been adjusted once a year with either an increase in the escrow or an escrow refund ( depending on taxes ). That escrow rebalance has always been done in XXXX with the new payment in effect as of XX/XX/XXXX. My last re-adjustment was in XX/XX/2018, with an increase in payment for the tax escrow on XX/XX/2018. 

Even though these adjustment are supposed to be once a year, the bank just increased my escrow amount effective XX/XX/XXXX - the second increase in just a couple of months. So I guess this means banks can now increase escrow payments any time they want to?
This XXXX account does not belong to me. This account belong to my ex partner, this was a business loan that he opened, I was the owner of the company, however, I never personally sign a guarantee for this account. All of the sudden, after he defaulted, this account appeared on my credit report. In the past, Experian removed the account, but it was then reported on the report without prior notice. According to the FCRA, FACTA, they were supposed to send me a 5 day notice reinserting the account, however that was never sent. As I was in the process of purchasing my home, this account appeared again, and I was declined for the home loan. This account has cost me suffer, and a lot of money, knowing that it is not mine. In addition to that, section 623 of the FCRA requires the CRAs and furnisher, to reporting accurate information, this account is definitely not accurate, the dates dont match up, and the balance is also incorrect. I dont know what else to do, please help me remove this account from my report.
On XXXX/XXXX/XXXX I made a payment to my XXXX XXXX through my Paypal account. Instead of taking that amount from my bank account, Paypal fraudulently took an additional amount of money from my bank to pay for a debit balance that I had previously accrued because of a disputed transaction on XXXX. I had sold a product on XXXX and the buyer did a chargeback with his credit card. Then Paypal wanted the money back from me and also charged me {$60.00} because of the chargeback fees even though this was created by the buyer, not myself. So, I disputed this amount with Paypal.
I paid off XXXX of my credit card accounts with Bank of America XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Bank of America. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating " too many late payments '' on this account. The fact is that there were ZERO late payments for this account, so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank, and she said that the XXXX account was in good status, however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX ), even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account, I was still being prevented from Bank of America from accessing the account to make online payments, Again, after XXXX months of internal online correspondence and multiple phone calls, I was able to once again access my account and changed my profile back to my original XXXX and password. Then, and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Bank of America and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Bank of America dated XXXX XXXX, XXXX stating that they " were unable to approve my recent request to reopen '' my account, citing " too many accounts with balances and the amount owed on revolving accounts is too high. '' This is, of course, inaccurate and a false statement relative to my income and past history of credit card use and accounts. They also blamed XXXX XXXX, the company they provided with the false negative reports of " late '' payments citing a report received from them.
My Daughter is being Charged for some XXXX? that we did not consent to or order they have been after her for 6 years She is now XXXX I want her to be left alone
I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. TransUnion, XXXX, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : XXXX : XXXX XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). 

XXXX : XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX  XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

TransUnion : XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.
I have been unemployed since XXXX : Navient has been sending me harassing letters and calls every week saying they will take me to court if I ca n't come up with {$300.00} a month for their payments. I have contacted this company several times to tell them I am unemployed and have still received
Navient received a total of XXXX payments from me that were never added to my account. The money was withdrawn, but my Navient Account history did not show them. I called ( with a wait time of over 1.5 hours ) to find out what was happening. XXXX of the many phone calls I made said an extra digit was added to my social security on my end. This was just not the case. They saw the money was taken and processed by Navient, but they never contacted me or tried to add this money to my account. I accrued more interest, since these payments were not processed. After another phone call they said XXXX of the payments would get processed soon, and to wait on the other payments. None of the payments ever came through again. So once again I called. Finally they found the payments and said they will be added to my account with expedited processing request. ONLY ONE PAYMENT GOT ADDED. The other payments are STILL not being processed. The only advice I was told by Navient was to CANCEL autopay, and re-enroll in order to lower my payment amount. I followed there direction, but my interest rate when up after removing autopay. I tried to re-enroll in autopay to get my interest rate lowered again, and they said they ca n't process this for two months. I filed a formal complaint with Navient, and they stated they will put another request to process my payments with an expedited request, but still no payment has been processed!
Walmart has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
My husband qualified for homestead exemption, and we have tried since XXXX to get Caliber home loans to readjust our mortgage payment. Nothing has happened. Trying to reach these people is horrible. You have to know ahead of time which division you need before calling. Their phone system is confusing and getting to a real person is time consuming. We have spent hours trying to talk to someone. We are paying {$380.00} more than required. Also, my husband likes to send extra money but they wo n't apply it to the mortgage unless it is a full payment.
I've contacted XXXX many times, regarding information currently being reported on my credit file I've informed that this information is in the result of identity theft I've sent them my credit report, my dispute letter, my FTC affidavit, my police report, I've also sent them a copy my other report so they can verify that the accounts I reported as fraud had already been verified and removed by the other credit bureaus and they are still refusing to remove the accounts! 

The accounts are 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX   4. XXXX XXXX THEY ARE REPORTING MY XXXX CARD WITH LATE PAYMENT WHICH IS NOT CORRECT ALSO I HAVE 51/ WHICH 48 ARE INQUIRES HAT ARE FRAUDULENT!
I received an unsolicited XXXX branded credit card from Chase. I called Chase at ( XXXX ) XXXX. I submitted the card number and was asked to verify my personal information. The information was correct except for the telephone number. Scary. I was given the telephone number of XXXX credit reporting agency and told to request a credit freeze. I did as directed. XXXX sent a confirmation letter with instructions on how to navigate the credit freeze. No information was given as to how this account was opened. 
I learned from news media that another bank has been fined for this practice. Evidently, this is an industry practice that CFPB should be correcting.
Hello, I hope this letter finds you doing well.
XXXX is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as Equifax, XXXX, and XXXX. During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX,  XXXX is reporting to credit reporting agencies such as Equifax, XXXX, and XXXX, that I was late on each of my six  student loans in question.
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InXX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, XXXX granted me a retroactive forbearance in XX/XX/XXXX that lasted from XX/XX/XXXX to the end of XX/XX/XXXX <P/> Thus, XXXX  is aware that I was supposed to be in forbearance, they approved said forbearance way back in XX/XX/XXXX, and XXXX has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end of XX/XX/XXXX. <P/> However, despite my numerous efforts to get XXXX to update the credit reporting agencies to remove these late payments because I was in forbearance, XXXX continues to refuse to updated the credit reporting agencies if these inaccurate late payments.
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I have called XXXX to dispute these late payments, and I have supplied XXXX  in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied XXXX with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information.
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Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-XXXX XXXX continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.