WillisBack/dataset-financial-user-claim huggingface dataset:
Greetings I have initiated a dispute with Trans Union to remove unauthorized Inquiries they have failed to validated that I initated. I have asked and requested for Trans Union to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to Trans Union including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove. 

Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX  - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX  - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX/XXXX, XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX/XXXX  - Date Filed : XX/XX/XXXX 7 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX
On numerous dates as recent as  XXXX / XXXX /   2017  and  XXXX / XXXX / 2017  I 've submitted DISPUTE letters to Nationstar Mortgage, LLC regarding the amount they charged during my sale of the home at the closing through  XXXX   XXXX   XXXX  ; in the amount of {$10000.00} for Escrow Advances.     I was forced to pay above amount on  XXXX   XXXX ,    2017  or be in  " Breach of Contract '' with the Buyer of our home .
I took out a low interest loan to pay off my credit cards including my pay pal credit account. At the time the paperwork was processed for the loan, I had a balance of {$5200.00}. A check was mailed out on XXXX XXXX pay pal credit for XXXX and posted to my account on XXXX XXXX stating it was received on XXXX XXXX. I was not aware that this balance did n't reflect a credit for return that I did in early XXXX or a payment that I made in early XXXX. Now, I have closed my account and there is a credit balance on my account. I called and emailed Pay Pal credit on XXXX XXXX and requested my refund be mailed. I was told it would take XXXX10 business days. I received an email in response yesterday stating that the refund would not be processed until XXXX/XXXX/16 and from there it would take an additional XXXX10 business days to process. I was not told this on the phone. When I called pay pal credit on XXXX XXXX, I was told that they have to hold my refund in the amount of XXXX until XXXX/XXXX/2016 due to money laundering laws. It is my understanding that these laws apply only to transactions over {$10000.00}. If the laws do not apply to my credit, I request that the refund be processed immediately and received within the XXXX10 business days as originally promised to me. In addition, pay pal credit will not close my account because of the credit balance. Thank you for your time and consideration.
On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX  XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( Equifax, XXXX, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
I use BB & T for a supplemental checking account. The auto deposits from multiple companies I wrote insurance products for caused me keep the account open. I have about XXXX transactions on the account per month. An annual review and reconciliation of the account works for me. When I infrequently looked at my statements I would note XXXX charges for {$7.00} per month. These charges are for interfacing with XXXX software. However I do not need or use XXXX to keep up with the minimal accounting requirements of this account. Everytime I noted the charges I would go to a branch to complain and they would refund only a few months worth of charges. In XX/XX/2016, I spent an hour with BB & T on the phone, flagging my account to never get charged for XXXX again. I never authorized these charges and have never downloaded anything from the bank to XXXX. I have paid hundreds of dollars in XXXX fees for nothing in return. In XX/XX/XXXX I discovered that I had been charged monthly since XX/XX/2016 when the account was changed by BB & T. I complained on-line and BB & T sent me a letter telling me I had logged into their system and gave two times where they said I had logged in. One time was when I was in church and the other was when I was at work. XXXX and BB & T were not, could not, have been accessed by me at these times. Nevertheless, the bank used these false log-in times as justification for not refunding the fees. I am in the process of fighting the denial. The BB & T employee who wrote me did not supply a direct dial or email and I have invested time telling my story and having more investigation only to be told the letter writing employee was the only one who could help me. I have to call again on the next business day as the employee is out of the office.
I recently began to check my credit reports when I discovered a charged off account from Collection Bureau OF America alleging that I owe {$260.00}. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collection Bureau of America responded to my validation request with an invoice alleging i owe a debt. They can not be allowed to simply invoice me an alleged I owe a debt. There is no agreement or anything produced as requested within my validation letter. Collection Bureau of America has not removed this trade line from my credit as requested. My request was submitted via certified mail with proof of delivery. This company continues to add damages with their violations of collection and credit reporting laws. I notified XXXX credit bureau of the dispute. Upon investigation the account was deleted. However, as of XXXX/XXXX/2015 the Collection Bureau of America is now reporting to XXXX credit bureau. They are also reporting a different amount stating that there is a debt of {$340.00}, and causing further damages.
Loan Hero contacted me claiming/stating they was part of the federal government. They said that I can re finance my loans with the government. They stated that the service was free. They told me that I would have to make a separate payment and that payment will be the interest and that I will make a regular monthly payment for my loans. But the separate payment was n't for the interest it was for the fee they charge me to set up my repayments. After I made 1st payments and started receiving letters for the fed loans ( government ) they said that the service is free and that loan hero never should have charged me. Loan hero is using a collection agency to collect {$1300.00} from me. I attempted to not pay and tell them the service was suppose to be free and that loan hero lied to me / mis lead me but they threaten to ruin my credit if I did n't pay. They said they have all personal information including my ss #. 

Loan Hero mis lead me into thinking that the {$1300.00} was not a fee and it was part of my loan interest. But in reality the {$1300.00} was a charge for them to obtain my personal information and forwarded it over to fed loans ( Government ). Loan Hero charged me for a service that suppose to be FREE.
I did attempted to resolve this with Loan hero and XXXX XXXX XXXX. But companies threaten to ruin my credit, sue, etc if I did n't pay.
Re : Central Mortgage Company of XXXX XXXX, Arkansas, bought my mortgage from original lender. Despite industry practice and what they specifically state on their website, they have reviewed and changed monthly payment, purportedly resulting from a change in either tax or insurance escrow. They failed to correspond with my husband who had been given authority to do so with Central Mortgage, in writing. They have failed to provide the requested backup as documented evidence of so called reported changes. 
Additionally, a previous complaint was made by my husband. SeeXXXX. This was dismissed because XXXX stated a response that they were unable to respond to the complaint without authorization from the consumer, FALSE AND UNTRUE IN EVERY RESPECT. CFPB erroneously fell for that and apparently can do no further. I have attached a letter stating such.
I emailed XXXX on XX/XX/XXXX about setting up automatic payments. I received no response. 

I used the chat function on XX/XX/XXXX. I was told my application for automatic payments had been received and was being processed currently. 

Today, XX/XX/XXXX, I received an email that said there was no application on file, and to set one up. 
I went to the website, and it still said my application was sending. There is no way to create a new application when one is pending.

I am very frustrated with the incompetent people working at XXXX. One of them was not telling the truth. The application is either there or not. 
Please fix this. 
Thank you.
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I submitted payments of {$800.00} dollars to Credit Acceptance Corp in regards to a loan I aquired on a used car. The monthly car note is that of {$520.00}, and I made the initial {$800.00} payments as a safety net for if I came upon financial hard times. As of XX/XX/XXXX, I have been unable to make the {$520.00} payment, so I contacted Credit Acceptance and asked that the initial over payments of {$800.00} be applied to the car note currently due, and I was informed by Credit Acceptance that those initial {$800.00} payments were deffered back to the account from which the came. Credit Acceptance Corp has not provided me with any proof that those payments were deffered however, and are currently charging me late fees that have succeeded my monthly car note, placing me further in debt.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i  ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX, account number XXXX ; 9. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX   {$1200.00} ( shown as {$1200.00} on my XXXX, XXXX and XXXX   credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. Copies of a billing statement do not constitute adequate validation.
A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.
Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only one reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all XXXX credit bureau. Thank you.
This debt collector keeps calling my family my work place threatening me that the will be looking for any contacts keep contacting my employer and others.
I had charges on my card that I did not do and theres no way I could do them because I was at work. They denied my claim now Im stuck and cant pay my bills because they dont have extra security for there bank which is US bank
XX/XX/XXXX       XXXX   XXXX   Once again a major mess with   XXXX   and  one  takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again  WAIT AGAIN! WAITING.  AGAIN!!!!   1-  XXXX  UPDATED  XXXX   XXXX   XXXX  INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO.   XXXX   WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT.  3 - NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED  60-90  DAYS --  4-  BEING DENIED CREDIT SINCE XX/XX/XXXX    READY TO SUE ALL!
I was applying for a {$500000.00} HELOC on an investment property with TD Bank. I was conditionally approved based on the information I provided on the application pending review of the docs. 
They came back with a counter offer of {$25000.00}, saying that they have to keep the DTI below 43 % according to the banks guide lines. 
I 'm well below 43 % and certainly meet to banks guidelines, and I provided the additional proof they had requested for some of the income that was n't considered - after providing all docs trying to prove that I 'm far below 43 % DTI - they denied the application all together because my rents are being paid, and my mortgages paid using a 3rd party - they were clearly aware that the rental income will be filed under my personal tax return ( they asked for clarification ) since these properties are all being owned and financed personally.
RE : PREDATORY LENDING COMPLAINT To Whom It May Concern : I am writing to file a complaint against ECMC because of their predatory lending practices. I mailed out two certified letters, the first letter was a debt validation letter via cert number : XXXX XXXX XXXX XXXX XXXX and the second letter titled Notice of Estoppel via cert number : XXXX XXXX XXXX XXXX XXXX. ( Please see attachments A & B ). I  started my credit restoration with a Certified Credit Counselor in XX/XX/2018, come to find out that I have a total of 6 collection agencies trying to collect on the same school loan from XXXX XXXX. Out of ignorance, I was forced to make payments to one agency titled XXXX XXXX that collected from my weekly paycheck. This withdraw from my paycheck has caused me a real hardship, having no choice to make payments or I couldnt stay employed. I too mailed out a debt validation letter via mail cert : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX and the second letter titled Notice of Estoppel via cert # XXXX XXXX XXXX XXXX XXXX ; they finally stopped collecting after my second letter of almost 5 months of paid payments collecting {$1100.00} ( See Attachment C and D ). I went through the proper channels by asking Human Resources to provide me the Order for payments. You will see that ECMC is mentioned  within the order from XXXX XXXX, ( See Attachment E ). It clearly states that XXXX XXXX is the assistant company to collect on the debt for ECMC with a new loan number. ECMC created TWO loan numbers, trying to collect on two payments on ONE loan owed to XXXX XXXX. It was never announced to me that ECMC and XXXX XXXX are working as a brother company collecting on the same debt ; separately. XXXX XXXX is announced as a referred company assisting ECMC to collect debt. ECMC is now announcing the same attempt to collect payments dated XX/XX/XXXX from my paycheck ; without answering any of my  questions or concerns from my letter ( s ) ( See Attachment F ). Since ECMC can not produce any information or material to validate that I rightfully owe them the debt, responding back with frivolous letters ( See Attachment G ). They are now maliciously going after my income yet AGAIN but this time under ECMC directly, not mentioning that their referred company XXXX XXXX collected any payments in the past 5 months. Lastly, I mailed copies of all my communication with the creditors ( ECMC and XXXX XXXX to all three credit bureaus. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
I check my Equifax Credit Report and I have a split/duplicated credit profile and one is XXXX XXXX XXXX and two is XXXX XXXX and they need to be merge together and Equifax refused to do so and it damaged my credit score and it went down to XXXX points and I ask Equifax several times to merge my credit profile together and they wont do it and it need to be merge
Navient has been a problem and I have filed multiple complains about them in the past. 
Navient misallocated payments and steered me through multiple forbearances instead of income-driven repayment plans. Then, they started mailing letters to me at a previous address and had the wrong telephone number to reach me. This resulted in mis-allocation of XXXX seperate loans that I was consistently paying ( as was agreed, and they do not dispute ), and hit my credit score hard. When I reached out to them and tried to resolve this issue, they could not pull up my account because they had the wrong address and telephone number on file. 
It took multiple complaints to the CFPB to get them to even communicate with me ( thanks, CFPB ). We worked through this issue, all of the fees that they charged were returned, and I refinanced the student loans with a different servicer. By the way - no issues so far from the new servicer. 
What this complaint is about is the fact that Navient was supposed to expunge my credit report, and they did not. This was their mistake, they acknowledged as much and returned the fees ( on paper ) they had charged me. And yet, I'm still paying for it. I can't call them, because I'm not a customer any longer. Maybe the CFPB can help me expunge my credit report from Navient 's mistake. 
I can show a current credit report showing XXXX loans that have XXXX hits that are 90+ days old - 84 times I was reported and it hurt my credit. Aside from that, my credit is spotless. However, this mark on my credit is costing me thousands of dollars in a refinance of my property.