WillisBack/dataset-financial-user-claim huggingface dataset:
I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX XXXX. XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX. XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX BANK. XXXX/XXXX/XXXX XXXX And XXXX XXXX. XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
On XX/XX/XXXX, I disputed hard inquiries on my Experian credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to XXXX  XXXX XXXX to remove the unauthorized inquiry. I then filed a CFPB complaint against Experian and XXXX  XXXX XXXX on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX Experian replied to my CFPB complaint file # XXXX, I was informed through Experian reply to contact the furnisher of the inquiry. Which I did. 

( XXXX  XXXX XXXX ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

XXXX  XXXX XXXX did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, Experian insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( XXXX  XXXX XXXX ) giving me the run around back to Experian that also did not investigate initially to see that XXXX XXXX XXXX can provide proof of consent according to FCRA laws.
I noticed in XX/XX/XXXX of this year that I have a credit balance of {$240.00} on my Macy 's American Express Card. I called them and requested to receive a refund for that. I was told that I should expect a check within 7-10 business day. Nothing happened for a whole month. I called back again, I heard the same thing over and over. Then they told me that they are going to direct deposit to my checking account, which has never happened either. Then I requested to at least to have my credit balance being applied to my balance on the credit card, has not happened and I also got fee charged for missing the payment. At the same time I noticed that my credit balance disappeared from my statements. The new theme is that my cash was checked. I requested a copy of cashed check which like usually promised to receive it in the mail. <P/>I talk to Macy 's credit card services at least 100 times so far, was told different scenarios and has not received my credit balance. It does not seem that they care about refunding my balance nor reviewing the cashed check story. <P/>I would like your assistance with resolving this issue and get my money back. <P/>Attached please find my personal bank account statement as well as Macy 's credit card statements.
I was informed that XXXX had changed to Navient around 2010. It was at this time my loans was in default, with both the college and the Federal Government. As a result I was not able to request official transcripts from my XXXX and XXXX schools. 

When I had contacted Navient, to " bring my account up to date '', it was a verbal agreement ... agreement that was not made clear of how much interest would be accrued, nor alternative ways to get my account out of default. However, I was told I was not able to receive financial hardship because I was employed, and now that I have exceeded the verbal agreement, I am now responsible to pay an unreasonable monthly payment later this month. 

I tried explaining how the I paid my own college tuition, and how I worked 3 jobs to actually persist to graduation. I went to XXXX after earning my XXXX and began working in Higher Education. I am now a single parent, working in Higher Education at a XXXX, and am barely making ends meet with the cost of living and child care, let alone attempting pay off a {$93000.00} unpaid principal. 

If I was made aware of other options, I would have taken them into consideration without unknowing agreeing to have to pay so much interest, not the actual loan ( s ) itself, just to bring my account up to date. Please advise! 

Respectfully,
In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports.
On XXXX XXXX 2015, I made a money transfer ofr {$100.00} through Western Union to XXXX. Western Union gave me an exchange rate of XXXX XXXX to the dollar. I later found out that the exchange rate at the time of this transfer, was XXXX XXXX to the dollar. This means I was ripped off to the tune of XXXX XXXX at the point of exchange. 
Millions of XXXX immigrants, remit money to families to the tune of millions in a day and Western Union charges fees for these services. To shortchange customers in addition to these fees, is unconscionable and a fraud. 
1. I am requesting an investigation of this transfer and countless others transmitted by Western Union. 
2. I am demanding a refund or transfer of the balance unpaid. XXXX XXXX. 
3. Western Union to be compelled to remit funds in XXXX dollars or at exactly the exchange rate in the country where money was transferred to. 
4. Western Union is to be made to pay restitution to everyone cheated in this manner. 

Transfer completed at XXXX XXXX XXXX XXXX XXXX XXXX Co XXXXTracking Number XXXX
After 10+ years of banking at Wells Fargo they closed my account due to a " business decision ''. Meaning, a relative gave me a check and it bounced because she did n't have enough money in the account and they had to return the check, so they charged me {$12.00} and closed my account. They never gave me any warning or alerted me. I was told in the branch they would send me a letter explaining everything and a letter was never received. Additionally, they will not allow me to access the money in the account, which I desperately need to pay bills, causing over {$200.00} in late payment charges. After calling multiple times and being transferred over XXXX times to different departments I never got an answer. After closing my checking account and freezing my money they subsequently closed my credit card causing multiple declined purchases.
Dear CFPB Staff, I am in the process of purchasing a home with PNC Bank Mortgage Division. Based on the recommendation of my real estate agent, I had notified the PNC bank on XXXX XXXX, 2016 to go ahead and order an appraisal and I signed all my mortgage paperwork on XXXX XXXX. My contract was ratified on XXXX XXXX and the appraisal contingency was due at XXXX on XXXX XXXX. Despite my reminders to the PNC loan officer about the appraisal due date multiple times, I did not receive the appraisal report until XXXX XXXX on XXXX XXXX. I went over the appraisal report the first chance I got and had noticed some gross mistakes, including " full size washer and dryer in bedroom closet, '' and " whirlpool tub '' which neither exists. I sent the loan officer an email with full description of the mistakes among others at XXXX. Almost a week later now on XXXX XXXX at XXXX, I still have not received a correct appraisal report. The loan officer was trying to argue that the appraisal report WAS sent before the deadline -- -but with multiple mistakes that could indeed impact the appraised value?? PNC bank while having had my ratified contract around XXXX XXXX still missed the appraisal contingency which resulted me not being able to negotiate to the potentially lower appraised value. I have contacted the PNC customer service who was supposed to connect me with the supervisor of the branch manager as the brank manager ( XXXX ) has been out of town all week, but the supervisor, XXXX XXXX XXXX refused to speak to me and ended up sending someone from the Branch who sounds very young and completely inexperienced on management skills. XXXX XXXX XXXX did not introduce himself when he came on the line for who knows how long after I had waited for several minutes. He basically had nothing to add but just told me to keep waiting. I am curious in this case, what rights do I have as a consumer and what recourse do I have that a bank such as PNC which failed to meet the appraisal contingency and pretended that the grossly inaccurate report was their extent of obligation to fulfill the appraisal contingency? I am XXXX for 4 years and just returned to the XXXX area and a bit puzzled about the mortgage business practice. Sincerely appreciate CFPB 's help.
I noticed XXXX Credit Card today that I am unable to meet the minimum payment requirements. I had a change in income due to someone in my family losing their job. They informed me that there was nothing they could do and that they would not lower the monthly payment.
I have contacted Experian, XXXX and XXXX  to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/XXXX, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX   said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/XXXX, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.
We mortgaged our home with XXXX on XXXX/XXXX/XXXX. XXXX assigned the loan to XXXX Bank. XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX. XXXX escrowed {$26000.00} from XXXX XXXX to replace our XXXX. XXXX released {$8900.00} on XXXX/XXXX/XXXX. The XXXX replacement was completed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX transferred the loan servicing, including the insurance escrow funds, to Green Tree Servicing on XXXX/XXXX/XXXX. Green Tree did not advise us that they had the XXXX escrow funds and has refused to release the escrow funds to pay XXXX Roofing.
On  XXXX   XXXX ,  2017  I contacted the company Carrington Mortgage Services to request a payoff notice and also verify we could sell the property. I was informed that I would receive the information via email shortly and that the actual legitimate information woukd come in the mail. The one that came in the mail would be the one used for the title company and otherwise. When I received that paperwork in the mail on the   XX/XX/XXXX   I then passed it on to my realtor and title company so they would know the payoff. I was also told that information was valid for 30 days after I received it in the mail, which would mean it was valid until  XXXX   XXXX ,  2017.  A few days before closing I called to make sure that the information I had was valid and that all the numbers still matched. They refused to speak with me or my wife. Stated that we had the information and that we were n't to bother them again. So the title company did up the interest amount a smidge just to be on the safe side. We sent the payoff amount on  XXXX   XXXX ,  2017 to  the company. When we did n't receive any returns, email, or phone calls we assumed we were done and it was over. We were wrong. Monday the  XXXX ,  2017  they returned the payoff stating that we owed  XXXX  more than what we sent. I spent 3 days trying to speak with the company and they refused to speak to us. Finally, I was able to speak with someone, the woman I spoke to said she would send a new payoff notice and it woukd state we were  XXXX  short. I never received it. So I called back. They informed me that if I continued to contact them they would have me arrested for harrassment, just for calling to find out about our payoff on our mortgage. I received the new payoff yesterday,  XXXX   XXXX ,  2017 , and they have changed the payoff to state that we owed almos t 1800  dollars. I called the company again. They have informed me that they will not speak with me or my wife. They will not tell me what the changes were for and why the added price. They have stated that they wo n't and do n't have to give me any information. My wife is the owner of the house per a probated will and we have shown them these papers proving it at least 4 times. My realtor has proof of it. They still wo n't speak to my wife at all. They have continued to force us to own this house for almost a month now. They wo n't let us pay them because supposedly we are n't paying the right amount, however we have asked for the right amount repeatedly. Please help us. They are continuing to extort more money from us. Everytime it is more but with no explanation.
On or about XXXX/XXXX/16, XXXX XXXX from Aldon & Associates contacted my aunt XXXX XXXX by phone stating that they were looking for me for a legal case # XXXX. XXXX XXXX has never been listed on any application I have submitted. This creditor is randomly contacting individuals with the last name XXXX disclosing personal information relating to a debt I do not know about. She resides in XXXX, MO and I have not lived in XXXX in over 12 years. Furthermore, XXXX XXXX is a mental health patient whom suffers from XXXX, XXXX and has a XXXX issues. XXXX XXXX contacting her has caused her to have a XXXX and she was XXXX on XXXX/XXXX/16 because of the threatening nature of the call which set her off on worrying that there was a legal case pending against me. On XXXX/XXXX/16, XXXX XXXX received a call from the same company but from a XXXX telephone number but they left the same XXXX number for me to contact them. They are operating outside of FTC guidelines for debt collection practices and disclosing personal information to individuals that they are not legally authorized to do so.
In addition to a complaint already filed, # XXXX ... .we have noticed and retain proof of paying {$300.00} before the 30 day mark. The company has not accepted the payment and by XX/XX/2018 the payment has not been ACH debit from our account as it has for the last 16 months. We are paying the loan off with Prestige Financial and will record and track each step of this transaction. We would like them to respond as soon as possible with payoff instructions.
I attempted to apply for a {$500.00} loan on line with and then received a call on X/XX/2017 from a representative from Western Finance in the XXXX, Texas location inquiring for more information. I went to the location on X/XX/2017 to provide the information they needed, but I before letting them submit the application, I asked if they were going to do a soft inquiry or a hard inquiry on my credit. The representative assured me that it was going to be a soft inquiry and they look mainly on my payment history which I was fine because I did not want a hard inquiry because I was going to refinance my car and I did n't want my credit to be affected. I provided the information needed, and the manager verified my employment and stated that due to company policy I could not be funded because I do loans as well. When the manager made that statement, the representative that assisted asked her manager about what she just said because it was even obvious that she did not know about that policy and also stated, " I did know that. '' The representative apologized and I left the establishment, but a couple of days later I noticed that the company did a hard inquiry which affected my score. I contacted their corporate office ( Western Shamrock Corporation ) and left a message since I called on a Sunday. I received a call back the next day and was told I was going to receive a call the next day from a representative that handles these situations. A week went by and I had not received a call yet so I called the XXXX location on X/X/2017 and spoke with representative that assisted me and notified me they were aware of the situation and that the District Manager was suppose to contact me. I explained to the representative why I was upset and she even told me that the company tells them to advise their customers that a soft inquiry is done on their credit because only a few points go done. I told her that is wrong because its shows up on my credit score and a hard inquiry and that is providing false information. I also stated that she should have known that applicants that do loans will be denied so this whole situation could have been avoided. Another week went by and no one had called so I contacted the corporate office on X/XX/2017 and left another message. I finally received a call from the District Manager on X/XX/2017. I explained to her the situation and I told her the exact same thing that I said to the corporate office. While speaking with the District Manager, it was obvious that she did not know the difference between a hard inquiry and a soft inquiry on your credit. She even had the audacity to tell me how the inquiries in my company work. The District Manager then stated that there was nothing they could do because I did apply. I told her I applied because I was provided with false information and they should not have even ran my credit as soon as they saw where I worked. She said that they still could not do anything. I yet have received any type of documentation from their office stating they ran my credit.
A check drawn on a local bank that I deposited on XXXX XXXX is being held until XXXX XXXX, even though with the advent of electronic banking checks are clear in one to two days according to the FDIC. Thus, the banking industry is " floating '' these collected funds while harming my credit or exposing me to overdraft fees.
I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.
Today I received in the U.S. Mail a letter dated " XXXX XXXX, 2015 '' from " Equifax. '' Under the " Previous Address ( es ) : '' lived at column it states that I once lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. Reported : XXXX. '' I have never lived in " XXXX, California '' I have lived in XXXX, California for the last 31 consecutive years. I am the victim of Identity Theft. When I called up " Equifax , '' they refused to " Delete '' this Identity Theft address of " XXXX XXXX XXXX ; XXXX, California ; XXXX '' from my " Equifax '' credit file in the Federal Credit Act law.
I recently refinanced my home with only 4 years left to get a better interest rate. XXXX XXXX XXXX and XXXX XXXX XXXX of Regions bank, XXXX handled my case. I had to go to XXXX XXXX, Manager, because NOTHING about how my loan process was supposed to go had been as I was told. As manager I was having HIM check behind XXXX XXXX XXXX. I was promised over and over again that upon signing my interest rate would be reduced lower than 3.5 % once my loan was set up on automatic bill pay. When I was forced to pay almost XXXX unexpectedly in this process, I went back up to the bank only to learn that they were blaming this on another department and disavowed any knowledge of this little " glitch '', my auto bill pay was set up for the wrong time of the month, and most importantly is was set up WRONG, by XXXX XXXX so that I WILL NOT be getting the reduced interest rate through NO FAULT of my own. When I suggested today that I may need legal council since no one seems to have any answers for me, XXXX XXXX informed me that he would no longer talk to me. I am leaving the country in the morning for an extended amount of time and they know this. I think they just expect me to go away and let them get away with this, but that is not going to happen. I need to report this to you for processing.
Transunion had a computer glitch that caused inquiries to be deleted. Transunion later added them back onto my credit report without giving me legal required written notice 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. On X/XX/2017 around XXXX XXXX I spoke with a Transunion rep name XXXX and later that day around XXXX XXXX spoke with a XXXX to advise them that I checked my credit report and found unauthorized inquiries on it. Both reps declined to remove inquiries off my credit report. I advised both reps that these inquiries has had a financial hardship on my life because it lowered my credit score that made it harder for me to purchase a home. I told them that they were violating my rights, but I was told by the rep XXXX that this was Transunion 's problem and it does n't matter. I 'm asking the CFPB to help me stop Transunion from continuing to victimize me.
Received a letter from Enhanced Recovery Company LLC indicating I have a balance with XXXX for {$92.00}, but can settle it by paying them {$55.00}. That amount has never been my monthly expense, XXXX XXXX confirms my account is current and they 've never authorized this collection agency. Their account number on the collection notice in no way is similar to my XXXX account.
I recently discovered on my credit report, XXXX collections accounts from Southwest Credit and XXXX ( XXXX ) regarding a XXXX XXXX debt. I do not owe XXXX XXXX anything and would like to dispute both accounts in the amounts of {$400.00} and then {$250.00} both of which again, are regarding XXXX XXXX. I spoke with a XXXX Representative about the said amounts XXXX of which they verified in the amount of {$250.00}. The amount of {$400.00} they stated they were unaware of. I was told that I once I returned equipment boxes and XXXX remotes, the charge would drop off. I returned the equipment and am still seeing the fee of {$250.00}. Additionally, the charge of {$400.00} is still sitting on my credit report and both charges have been sold separately to XXXX separate collections entities. 

This complaint is not regarding a loan, but rather a inaccurate collections debt. I did not see this type of complaint available under the section entitled, " which of these best describes your issue '' so I selected one of the options in order to move to the next phase of reporting this inaccurate charge.