WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX did XXXX hard inquires in 4 days. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist
I am am making payments on a weekly basis but yet they call from various numbers several times a day even after I make a payment when promised. Regional acceptance auto is the company
On XXXX XXXX, 2016, with the help of Wells Fargo XXXX XXXX ( over the phone ), I created new accounts for XXXX XXXX stock that I owned. My purpose in doing so was to have XXXX siblings included as Transfer Upon Death ( XXXX ) recipients. At the time of creating these accounts I called Wells Fargo XXXX XXXX and was told to use Wells Fargo 's Stock Power Form. The guide to completing this form is XXXX pages long. 

In order to correctly complete the form I asked the Wells Fargo XXXX XXXX assistant for help. When I came to Section E of the form ( which deals with a XXXX form making the account tax certified ) the Wells Fargo XXXX XXXX assistant tole me I did n't have to sign that section because I already had an existing account. ( XXXX XXXX form is specific to verifying a Social Security number and provides tax certified status to the account ). 

Under the guidance of the Wells Fargo XXXX XXXX representative, I did not sign Section XXXX of the XXXX XXXX XXXX and then submitted the entire XXXX XXXX XXXX to Wells Fargo via mail. 

In XXXX XXXX XXXX XXXX XXXX merged with XXXX, which involved an exchange of my current shares of XXXX XXXX with the new company now called XXXX XXXX XXXX. But because my shares of XXXX XXXX XXXX XXXX were not tax certified when the new accounts were created, I was taxed on all my existing XXXX shares and again on proceeds from the sale the XXXX XXXX stock itself. 

On XXXX XXXX. 2016 I called Wells Fargo XXXX Services and spoke with another representative over the phone. She pointed out to me that in lieu of sending in a XXXX document, I could have accomplished the same purpose of achieving tax certification status on-line almost instantly. When I originally called Wells Fargo XXXX XXXX in XXXX, I was not told this was an option. 

According to a Direct Registration Account Statement mailed to me after the fact, Wells Fargo XXXX XXXX sold XXXX shares of my XXXX XXXX XXXX XXXX to cover these tax bills, at a cost of {$2300.00}. 

I have been in communication with representatives of Wells Fargo XXXX XXXX by phone to confirm that they sold XXXX shares of my stock and that I paid {$670.00} in withholding tax to the IRS.
My bank overdrafted my account by taking out a {$35.00} overdraft fee before taking the charges out therefore I was over 2x which started a snowball of overdraft fees and issues. They then charged me overdraft charges for my overdraft charges, thus charging me 2x for XXXX overdraft. The put a check thru my account, overdrafted my account, bounced the same check and charged me a returned check fee 2 days in a row for the same check. The continue to charge me overdraft fees and sustained overdraft charges. They are now threatening to close my account and denying my automatic charges when the account is current.
On on around XX/XX/XXXX, I sold a {$100.00} XXXX gift card on XXXX. I used a company called PayPal to receive payment for this purchase. Once the item was sold, I received the Payment through PayPal and was notified that I had the green light to ship the item. As it is commonplace in the XXXX market place regarding sales of gift cards, I was asked to email the Gift card to the buyer of the auction which I did. Approximately on or around XXXX XXXX XXXX, I received an email from PayPal stating that the purchaser that used PayPal to pay for the gift card had fraud on their PayPal account and the purchase was being debited out of my account. PayPal also said they are levying a {$20.00} chargeback fee on my account. I relied in good faith on Paypal 's instructions to send an item that I sold in good faith. When I sell items on XXXX using PayPal, there is a seller protection display that is advertised prominently all over the website. I, being a valued customer of XXXX and PayPal for almost 20 years, counted on this protection. Instead of protecting me however, PayPal has referred to an obscure technicality that says non-tangible goods are not protected by their seller guarantee. If I just mailed the card through the mail, I would be protected, but as I emailed the card, I 'm somehow disqualified from this protection. This is a truly non-customer friendly situation that PayPal needs to own. The true issue is that I 'm being punished for their mistake of allowing a fraudulent transaction to go through creating this mess in the first place.
MY PAYPAL ACCOUNT XXXX Here are case details : Case ID : XXXX Buyer 's name : XXXX XXXX  Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$120.00} USD Disputed amount : {$120.00} USD
Chase Bank Servicer - Investor XXXX XXXXMy state is listed as the hardest Hit States and was specially designated a fund since we had the highest foreclosure rate in the country. Orginally contacted HOPE NOW and was told they could not help me. Was denied XXXX times by Chase for a modification due " the investor '' does not participate. All along, I have basically had to " steal from XXXX to Pay XXXX '' and have credit cards and owe debts to family members that I know now I will never be able to pay back just to stay current and was told by Chase that I had to be late to qualify for any home retention options which would distroy my credit. I cant afford higher interest rates on credit cards, auto insurance, and many other items that will require deposits if I have to move. XXXX will eventually cause me to lose my home and have to file for Bankruptcy. I am already on food stamps. My hardship began in XXXX 2013 when my husband passed. He was the major wage earner of the home. I begged my family to move in with me to help me with expenses and help me with the grief of losing my husband. There was no will or probate. I lost 85 % of the household income. ARM loan.
I had a bank account with Wells Fargo, through which I also had a linked credit card that had a " protection plan '' on it for if I was ever hurt or laid off, and therefore unable to make payments. After years of paying the fees for it, when it came time to use the service ( I was laid off ) they made one payment for me then refused to pay any more. I sent in the appropriate paperwork then XXXX letters requesting the service be turned on, before I finally had to file bankruptcy and lost everything I owned. This was not my only credit card at the time, but it was one of the few with payment protection and it could have made a large difference, especially because I ended up being overdrawn and losing the bank account due to their overdraft fees - they would not stop charging against the account, *even after it was closed*. I never received a single response to any of the letters I sent requesting the service I had paid them for years for.
5 months ago or so i was checking my credit and found all of these fraudulent medical accounts on my reports, i have and still have full coverage no deductible insurance coverage with XXXX XXXX and i have had it from the beginning around 10 years.i reported the fraud to the police in my area, also made a affidavit with ftc plus made numerous reports with you, all the fraud info was finally taken off .know i goto my XXXX credit report and they are all back on plus a new one, which i was told buy that company XXXX XXXX XXXX it was sold to them by XXXX XXXX the same company that did the past frauds on my account. XXXX credit reporting agency is the only one that has not put them back on most likly because i have to pay them monthly to check my own credit file, but XXXX and XXXX keep putting these same old fraud accounts back on my file they have been sent police reports, ftc affidavits, everything and they keep ruining my credit until i start paying them please help me enough is enough i am so tired of having to do this over and over every three or four months thank you
I have been receiving threatning phone calls and messages from Orions Managment Group XXXX concerning a charge off on my credit history which was paid through another company in XXXX. The continue to threaten me and has advised me that legal action will be taken to collect the remaining balance? i have no record of owing any further payments or any letter concerning the new collection agency. I have never beeen contacted from Orions until XXXX and they continue to harrasse me. They have contacted my daughter telling her it was an emergency that they reach me. I have been upset every night with the fear of the threats. The last call came on XXXX XXXX, XXXX from someone named XXXX? The number came from a cell phone XXXX registered XXXX. The company number is XXXX. This account was opened in XXXX with XXXX. I did not learn that it had been charged-off until XXXX XXXX after the other company had taken my money. The companies name is XXXX XXXX XXXX XXXX XXXX. They took over a thousand dollars to settle this account. I did not know that this money was not being paid to XXXX until I inquired the status. That company misrepresented who they were and told be specifically that they were collecting for XXXX. Now, here it is another fraudulent company trying to make me pay again. Orion 's has threatening to send me a warrant for court. Please help to resolve this issue.
I applied and was approved for CitiBusiness AAdvantage Platinum Select credit card on XXXX XXXX XXXX. As the part of the new account, I was supposed to receive XXXX bonus miles after spending {$3000.00} in 3 months after account opening. 

Terms said that business does not qualify for bonus miles if a CitiBusiness AAdvantage account has been opened or closed in last 24 months. I have attached the screen shot of the application and its terms. I HAVE NOT opened or closed a CitiBusiness AAdvantage credit card in last 24 months but representatives that I spoke with over the phone and via email keep suggesting that I do n't qualify for the bonus because I have opened or closed CitiBusiness AAdvantage credit card in last 24 months. I have repeatedly told them that I have not opened and closed a business credit card in last 24 months. On my last phone call I spoke to the supervisor XXXX XXXX XXXX ) and she told me that I am not going to get the bonus for the CitiBusiness AAdvantage credit card because I recently opened a personal credit card. 

That is absolutely false advertising when terms of credit card clearly state that I can not have opened or closed a business credit card with no mention of personal card. Supervisor XXXX proceeded to tell me that I do n't know what the terms say but Citi does not issue bonus miles for Business Card if you have even opened a personal credit card. This is grossly unfair and fraudulent advertising of trying to falsely get consumer to open new accounts and then not honor the terms of the bonus even when consumer has done everything expected under the terms of account opening.
I found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/2016 XXXX XXXX XXXX ... .XX/XX/2016 XXXX XXXX ... .XX/XX/2016 XXXX XXXX XXXX ... .XX/XX/2016 XXXX XXXX XXXX  ... .XX/XX/2016 XXXX XXXX XXXX  ... ... XX/XX/2016 I never applied for any XXXX XXXX cards at any of my old addresses .... 
I had just a car loan from XXXX  XXXX ... .and never missed a payment. 
I have 2 XXXX  XXXX cards at this moment in good standing and just received a credit line increase.
On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS mailed me a letter violating HIPPA and trying to collect a medical debt. On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS received a certified letter from me asking to validate the medical debt they claim that I owe. The first letter I received from them had diagnosis, doctor 's names, procedures, charges and codes in the letter which violates my HIPPA rights. I have also attached the only letter they have sent to me before my certified letter to them. They have not validated anything with me after I asked for them to validate the debt and it has passed the 30 day mark. COMMONWEALTH FINANCIAL SYSTEMS are still reporting this debt on my credit reports. I also mailed them a cease and desist letter on XX/XX/XXXX due to the numerous phone calls throughout the day. I also contacted XXXX, XXXX  AND XXXX  and asked them to delete COMMONWEALTH FINANCIAL SYSTEMS from my report as well.
I have been working with Greentree, now Ditech as the second lender on a short sale since XXXX 2015. We received approval from the XXXX lender in XXXX 2015 and this was forwarded to Greentree along with a full short sale package, then resubmitted on XXXX XXXX, 2015. For the next 28 days I have submitted and resubmitted the same documents no less than 3 times with no comments or response to the documents until after my approval from the XXXX lender expired. on XXXX/XXXX/15 we were advised by email that our file was closed because we did not submit the documents that had been requested within 30 days. I have all of my outgoing emails to the nongse email address verifying that all that was requested was submitted and that there were no requests for anything additional or any corrections until XX/XX/XXXX and XX/XX/XXXX at which time we were told that we had 24 hours to return the documents that were being requested. This is a violation of CFPB regulations for loss mitigation servicing and it is the same violations that lead to the national settlement. They have delayed reviewing my file for approximately 5 months and then claim that I did not submit the required documents the day that my approval letter from the XXXX expired. Today I had a manager review the file and all of the documents that had ben requested were there. I then had to go over all of the income statement by statement to show them that the RMA was correct. I do not understand why I was doing their job for them, but in the interest of getting this approved, I took additional time to tell them on what page of the pdf they could find the income statements that match up with the bank statements and also the RMA. The final straw came tonight when I received a counter offer for {$580000.00} for a property that is worth {$430000.00}. the XXXX loan is XXXX so effectively what they have done is countered so that the XXXX and XXXX loans will be paid in full with no basis in actual market value of the property. The comps support an offer of {$430000.00}, we submitted a successful value dispute to XXXX when they countered at {$470000.00} and they agreed the property is worth {$430000.00} and issued their approval. I need help escalating this issue as I believe that this current response is retaliatory for my threat to file a CFPB complaint and the fact that the manager could see that the assigned negotiator failed to do what she was supposed to do so they want the file closed.
I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from  XXXX ,  XXXX  and Experian to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with Experia,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with  XXXX . I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.
Payments were posted to the same billing cycle ( month of XXXX ) and not applied to the correct month resulting in past due status on the account. I noticed the recent statement had a larger payment due than normal and indicated the account was past due. I called Capitol one and they said they received and posted a payment before the XXXX day of the month the payment was due therefore they were applied to the previous months cycle and caused the account to become past due. A 30 day late on my credit report is reported on the account, it has dropped my score XXXX pts from a XXXX to XXXX. Requesting Capitol one to send me a letter indicating that they will remove the 30 day late at the bureau level with XXXX XXXX XXXX so i can remove and get the account updated and repair the damage done to my credit report.
Debt for.a payday loan i was not aware of for XXXX thru XXXX  which was at some.point bout It.to.commecct by ad astra in ks. To.collect i in.attempt.s to get loan saw it.an.disputed it.but.was not.able.to.have it.removed as it is not.a.debt I.made. in attempts to get it off my credi t i called them Explained this an we agreed an.I recorded the call that if u paid it in.full XXXX that day which I did they would.completely remove it.from.my.credi t. Which was to.be done. Within 30 days. its now.gone Past that plus.have tried to.direct dispute it again an ad astra is.reporting.it.is.a.valid.debt and.is.not.removing.it.as.agreed from.my file..I have called them.an.they assure.it will fall off not.to.dispute it.an to just wait. I.do n't buy it. I.need this.taken.off.my.the bureaus as agreed.
I do n't know how but PayPal said I opened a credit card with them and that I charged {$100.00} to a " XXXX XXXX '' in XXXX 2014. I do n't know any person and do n't think I made this purchase. After XXXX months they started charging me a late fee. I paid it off just to get them to close the account. Apparently it was some sort of deal where you got XXXX months of no interest and I reached that and started getting late fees.
I was reviewing my credit report and found this account, that i have never had and they have never contacted me. I am a victim of identity theft
I realized starting XX/XX/2015 that it seemed like I did n't have as much money as I had put in my Bank of America Checking account. By XX/XX/XXXX, I was unable to pay my bills even though I was working full time, and I was forced to take a loan out. At that point, the loan seemed to disappear. There were a few transactions that were n't mine, but not enough to equal to what was missing. I printed out my bank statements and realized that what I purchased was {$5100.00} less than what came out of the account. That was in XX/XX/XXXX. It seems like every time I buy something, double that amount comes out of the account. 
I have called Bank of America repeatedly and they wo n't do anything about it. 
I have lost my house, was forced to move away from my family, and have defaulted on all my bills due to this problem. I have serious health issues that are going untreated at this time. 
Someone I knew told me that they heard that people were stealing money out of the account in XXXX XXXX, and Bank of America has a picture of a person attempting to make a withdrawal out of my account for {$800.00} XX/XX/2015. I know this because they called and asked me to approve the transaction, and I told Bank of America it was n't me. This happened where I lived, in XXXX, CA. 
Bank of America told me I did n't have to do anything and they would take care of it. I continued to have theft on my account and when I finally asked them about what there investigation had turned up, they would not give me a photo of the person. They told me they were not allowed to and I should have made a police report at the time if I wanted the photo. But I was not told to make a police report to get the photo of the person at the time of the incident. They told me I would have a name as soon as they did. 
Due to Bank of America 's actions, my life is ruined. My credit is in shambles and my health is deteriorating. I have tried to make police reports but due to Bank of America 's actions, the police say I have nothing to report. Everything was take from me and Bank of America is complacent in it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by lending Club in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with lending Club and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),  and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
" Cooper, Hoffman, Klein and Associates '' continues to harass me by calling my cell phone in attempt to collect another person 's debt. They have yelled at me, misrepresented themselves as lawyers, threatened to take me to court and refused to stop calling me after I asked them to remove my number from the account that does n't belong to me.
I paid XXXX XXXX Hospital bill on XXXX/XXXX/2016 for the amount of {$7200.00} ( Confirmation Code XXXX ) with XXXX credit card ending in XXXX. Please find attached XXXX letter confirming the reception of this payment. However, for some reason the balance appear unpaid in my credit report. 
Please remove this wrong debt information of my report, since this is affecting my credit score. 
In, advance thank you very much, XXXX XXXX XXXX.
Someone used my credit card to charge for devices I did not. This was reported to the credit card company but the vendor has since referred this to a collection agency.
XXXX   XXXX ,    2017 fax ed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX   XXXX   XXXX  ,2017 that  XXXX   XXXX  reported the information a s discharged and that Case num ber  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   is currently not reporting on the  XXXX  credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,    2017 I  sent a reinvestigation request with a letter from Michigan  Federal Court stating they do not supply information or validate info rmation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.
Was checking free credit report and there is an address from XXXX that I never lived at. I have been living at current address since XXXX
Filled out application online for cheap car loans . .   XXXX   compa nies did a credit check without asking my approval.