WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX: an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX: an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
Municipal Services Bureau as is the case from the other companies I have complained about is harassing me about a debt I know nothing about. They call and leave messages when I try and call them back their message reads that if I 'm calling them back then I acknowledge that I am the debtor. Once I complain here and I am removed from their list they sell my " debt '' to another company.
My complaint is with M & T bank about their 'collection ' calls. I was out of work for 4 months and got behind on my mortgage payments. I am now back to work, getting paid every other week. Even though I have provided a payment schedule to the bank for the next 3 payments, they continue to call me. The calls yesterday and today (XX/XX/XXXX ) were about my XX/XX/XXXX payment being late. I have filled out a complaint form on the M & T website as well. There is no reason to repeatedly call me when the situation or payment schedule I provided is not changing. Their calls and behavior constitute harassment and I want it to stop.
On XX/XX/2018 the amount of {$1100.00} was paid on my behalf to a XXXX  office. The XXXX have been made twice because the first set did not fit properly the second set is a worst fit than the first. To make a long story short I have no teeth as of today and a set of XXXX  that are of no use to me. I have asked several times for the XXXX  office to refund the money to the credit card agency and they have refused.The credit card agency is siding with the XXXX  on all of the disputes that I have made with them.
I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}.
I've been attempting to have this debt removed from my credit history due to the collection company failure to show origin for the last six months. I personally contacted them on XX/XX/2018 and prior months before through XXXX XXXX. I requested a copy from the representative which she replied she would send almost two months ago and I haven't received as of yet. I asked why I never received any notice of this debit to which she replied a notice was sent to a XXXX XXXX which I haven't had in over 25 years. I gave her the address to send the bill to and also stated that if this was a medical bill I'm sure there was an address I stated when registering. She stated the bill was from XXXX Hospital Center. I went to the XXXX billing office and was told I had no fees owed to them. I relayed this info to the collection agency but their only response was to resubmit these bill to all three credit bureau agency as if they were new account for which I took a hit on my credit reports and believe that was there intention.
I have disputed with Equifax XXXX accounts that appear on my credit report. Partial Account numbers XXXX and XXXX and XXXX for a collection agency called XXXX collecting for XXXX XXXX XXXX XXXX XXXX. Equifax received my Dispute XX/XX/2017 and they state that they received verification from XXXX of a debt XXXX XXXX, 2017 - that does not belong to me. XXXX could not verify my SSN on these accounts. The information they have in their office that Equifax is reporting on my credit report is not my info yet an Equifax representative and Supervisor XXXX XXXX states that XXXX sent them electronic info with my DOB, SSN, name and address. In speaking with XXXX XXXX a collections agent with XXXX he confirmed with me that the last four digits they have on all XXXX of theses debts attached to my name is not my SSN. XXXX from XXXX then proceeded to tell me to send in my Id and my ss card so they could cross reference their records in order to get it removed. I refuse to provide them with my personal information when they are a company that I have no business with. I spoke with another rep weeks prior to XX/XX/2017 employed by XXXX, who also confirmed that they do not have my information on file yet they are on my credit report and that the error is on Equifax. I have repeatedly told Equifax that they are reporting information to my report that does not belong to me and they have not removed it as of XX/XX/2017. I have not received anything from Equifax with an update on this matter. And the letter received from XXXX requesting for debt Validation has not been received from Equifax or XXXX connecting me to this debt. I am respectfully requesting for Equifax to remove these XXXX collections accounts that do not belong to me that have not been validated.
XXXX XXXX representative came to my house told me nothing would effect my credit in any type of way and if I did n't want to continue with the package to call him. I had the cable for a two weeks and I called him and said he would cancel the plan. A few days later I recieved a bill over XXXX dollars.
Attention : On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX XXXX/ XXXX XXXX regarding a debt collection. The creditor referenced is XXXX XXXX XXXX XXXX ( {$520.00} ). On XX/XX/XXXX, a correspondence was submitted inform of certified letter with Tracking # XXXX regarding validation/verification of debt. ( Please refer to upload ) I have submitted additional correspondence regarding validation on account which yielded any information regarding above referenced company being legally able to collect on debt. ( View Attachments ) On XX/XX/XXXX, correspondence received from collector. ( View Attached ) On XX/XX/XXXX, a correspondence was submitted certified with Tracking # XXXX. On XX/XX/XXXX, XXXX XXXX XXXX attempting to sell collections to XXXX XXXX XXXX   while still reporting on all ( 3 ) credit reports. A debt validation letter was submitted to XXXX XXXX XXXX with no response back regarding validation/verification. ( Tracking # XXXX  ) On XX/XX/XXXX, XXXX XXXX has XXXX XXXX XXXX XXXX, XXXX  attempt to collect on a debt which they are appearing on my credit report. On XX/XX/XXXX, a certified correspondence was sent to XXXX XXXX XXXX XXXX XXXX ( Tracking # XXXX ) The above referenced collector failed to provided valid claims to collect on debt by providing documentation. XXXX XXXX continue to sell debt while reporting on credit profile. I have sent numerous letters to credit agencies and collectors regarding this matter and the negative entry remains on profile.
On XX/XX/XXXX I sent a registered letter to XXXX XXXX XXXX regarding account # XXXX about their reporting of this account with all 3 credit reporting agencies. My complaint was their reporting a late payments some 8 times. I requested validation that this was even my account by proving my signature and while this was going on to list this as disputed. This account was also listed as the credit line was closed by the grantor. 

I sent a second letter on XX/XX/XXXX giving them an additional 30 days to provide this information and informing the credit bureaus that this is disputed. 

Since they have refused to provide proof that this debt is/was mine they are defaming me and my name, lowering my credit score which requires me to pay much higher interest for any future loans and the inability to refinance my home.
1.This is regarding case number on file # XXXX & XXXX. Bank of America sent XXXX letters dated XX/XX/2016 and I received today. Per my XXXX above complaint file number, as mentioned per Bank of America and at the same time in these XXXX letters, there was returned payment. I am requesting and demand that Bank of America sent proof from bank that there is returned payment for both amount to confirmed in writing by bank that such returned was on certain date to finalize. I am attaching these XXXX letters for your record that you can investigate Bank of America of such. These will be sent via fax to you at XXXX with a cover letter. 
2. Desired resolution is that Bank of America have to get it done as requested with written letter confirming the return payment from the bank with the letterhead showing as coming from that certainspecificbank. 
3.My information have all on file with above mentioned case number. 
4.This is regarding Bank of America fraudulent adding, deleting, removing, closing account, changing numbers of balance of credit card account. 
5.I want the public to know that this is going on with the banking system within Bank of America XXXX corporate office do not answer calls and customer service calls roam around the world!!! ... minimize call center at least to where the corporate office is so that callers can be confident that it is not coming from fraudulent group of people in operation against the public and that there will be given address and phone numbers online or on the statement.
On XX/XX/XXXX I disputed a charge for {$270.00} from XXXX XXXX XXXX, a store in XXXX, MD. I was given temporary credit by Chase XXXX, was requested to send additional information, and was informed that I would be advised about the final determination on the dispute. Beginning on or about XX/XX/XXXX I began calling the Chase Bank Dispute Resolution Department to inquire about the final determination. I was told that it takes tow billing cycles for a final resolution ot the dispute. 

On or about XX/XX/XXXX I began calling the Diuspute Resolution Department to find out about the status of the final determination. Every agent on the phone ( conversations were recorded ) advised me that it would take a little longer. Eventually, I filed a complaint with the Federal Reserve about Chase 's inability to resolve the complaint. 

On XX/XX/XXXX XXXX XXXX XXXX from Chase 's Executive Offices called me and insisted that a letter with a permanent credit had been sent to me on XX/XX/XXXX. I  argued that, if so, it is curious that other people on the Dispute Resolution Department were not aware of it and kept saying that the letter will be sent soon. Nevertheless we agreed trhat he would send me a copy of the XX/XX/XXXX letter ( he refused to send me a scanned copy by email ). 

As of XX/XX/XXXX, I HAVE NOT RECEIVED A COPY OF THE LETTER THAT CHASE ALLEGEDLY SENT ME ON XX/XX/XXXX. I called XXXX XXXX XXXX ( extension XXXX XXXX ) and left a voice mail message, but he did not return my call.
Trying to get PMI removed and went through Ocwen 's process to have a new appraisal. Once that was done we had to put {$780.00} more toward principal to have PMI removed, sent in {$800.00}, they put it toward escrow. Got that fixed then they went back to our appraisal from 3 years ago. Now trying to get it removed before the 90 period is up for them to use the current appraisal.
Received a phone call from a representative of XXXX XXXX XXXX advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from XXXX XXXX XXXX, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!
CAPITAL ONE AUTO FINANCE I owe a balance of XXXX I paid this off XX/XX/2018 please have the correct on all three of my credit reports
Navy federal Credit union has been reporting for almost 2 years the following account : XXXX, {$500.00} credit limit, {$270.00} Delinquent Balance, open XX/XX/2013. I'm listed as an authorize user, on my XXXX  Credit report. It has been verified as my account for about a year, when I finally contacted Navy fcu, on XX/XX/XXXX, and spoke to XXXX. The had difficulty locating the account ( I do not have any open accounts ), and ask me quite a bit of my personal information which I didn't feel comfortable giving. They informed me its not my account, I'm listed as authorize user, and that I had to submit a fraud Claim with them to get it remove from XXXX. XXXX informed me they would contact me after they complete a 90 day investigation. No correspondence whatsoever, and they continue to verify it when I dispute it. Even worse in XX/XX/XXXX or XX/XX/XXXX of this year, they made the late payment history more extensive, by literally adding an extra year of late payments which cause my score to drop a 100 points. They are directly responsible for me not being able to use my credit, and only getting approved for {$1000.00} limit credit card. This is abuse of reporting at its finest, and worst of all XXXX  constantly refused to delete this item, even when I clearly showed them it was not mine and what they did.
Since graduating in 2010 I have been paying a monthly bill thinking that I have been pay off some of the principal balance but it looking further into it, my principal balance as been increasing. The way they setup payment plans is set only to have you paying off interest to the loan so they can extend the interest for as long as possible. It extremely deceiving and unethical.
I am concerned about the validity and accuracy of XXXX recent investigation conformation # XXXX of this account # XXXX with XXXX that is reporting on my credit report. In XX/XX/2018 I requested an investigation because I felt the item was not being reported legally. XX/XX/2018 I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!? SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature on it with XXXX ) you have on file of the account # XXXX. 
Furthermore, XXXX account information was deleted from XXXX   because the fraudulent account could not be legally verify.
I was using the suggested deferment options and when I lost my job I called to tell them. They told me to use another deferment and I said yes. Thy dint tell me that the papers where going to come by mail and they sent them to a wrong address and the deferment don't go in to action. Now I have two late payments in 11 different accounts from them and my credit is in bad shape because of that. I have called and they just don't want to hear or help.I think this a horrible thing to do to young students.

What can I do?

Thanks
I have been attempting to send Account Resolution Services ARS my identity theft affidavit and fix some of this fraud stuff but the address they published on my credit report is wrong. Please help.. this is killing me. I 've attached all supporting documents.
( Hunter Warfield Inc ), continued attempts to collect debt I do not owe.
I have disputed ( Hunter Warfield Inc ),   account number  XXXX  because the debt is not mine with the  XXXX   XXXX  credit bureaus on  XXXX ,  2017 ,  XXXX ,  2017 . But to no avail the item remains on my report an d ( Hunter Warfield Inc ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
This is a follow up for a prior case for CFPB XXXX. I am providing my credit report and the last four digits of my social security number. 

XXXX Inquiry 2 Inquiry Date - XX/XX/XXXX Creditor Name- SYNCB I filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX of XXXX for a travel/entertainment card. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
XXXX  -  Contacted  Bank  Of America to  inform them that i was selling my condo and to not pay my flood insurance early, policy effective is   XXXX   through  X/30 . When closing date was set, I contacted BOA on   XXXX     to confirm that they would not be paying for a policy that was not due for over a month. They told me they had already mailed the check and that i would have to get the refund on my own. They have constantly been making mistakes while I held a mortgage with them that has cost me hundreds of hours of my time. 4 weeks later I am still trying to get my refund for a policy that would n't even be in effect for another week. In addition, as soon as my mortgage was closed -  XXXX , all of my mortgage documentation was removed from the website. This included year end tax statements that are required to file taxes. How are they allowed to remove the tax documents over a week before taxes are due?     Also, in the closing process they repeatedly sent an expedited payoff amount to my buyer 's closing agent. I contacted them in  XXXX  that I do not authorize any expedited payoff amounts until closing. Any payoff amount should be in the form of the free, non-expedited version At that time, they removed a {$30.00} charge. I did not authorize them to send 3 expedited payoffs, only a final one is required. At closing, I had an amount of {$150.00} to pay instead of {$60.00}  ( {$ 30.00} for the mortgage and {$30.00} for the secon d )  This cost me {$90.00} additional out my pocket at closing. The closing agent confirmed that they did not request additional ones, that BoA just sent it to them.     As a result of their practices and poor customer service, I did not even contact them for the mortgage of my new home that I bought. If they could 've offered me a better interest rate and/or lower closing costs, there is no way I would ever utilize BoA again.
We received a notice that our monthly mortgage payment would increase by {$100.00} in XX/XX/2017 due to escrow balance being short. This is not the first time that we have received a notice like this. FNB noted in the documents that we could either pay the entire shortage of {$1700.00} or our monthly payment would increase by the {$100.00}. We are already stretched to the limit. The increase in payments happened as well when we had our mortgage with XXXX ( purchased by FNB ). Our original payment with XXXX ( purchased by FNB ) went to {$1600.00} per month. I went to XXXX and we modified through HARP program. Two years later we modified due to hardship as we fell behind because my husband loss his job. Our modified loan has a 40 year term and the interest rate is lower but our term is stretched longer with a still high payment. I will be XXXX when it is paid off. FNB gave us two weeks to sign papers and get them back or the alternative was immediate foreclosure. I was never sent a copy of the paperwork. This latest notice is just the icing on the cake. We are still struggling.
In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.
I contacted Alpine Credit Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX CO XXXX to request a paid in full letter after making my last payment to bring my account to a XXXX balance. A gentleman who identified his self as the owner of this collection agency by the name of XXXX ( who did not provide a last name ) informed me all I will receive from their office is a receipt showing I made the last payment and that will be it and proceeded to hang up in my face with a very unprofessional attitude. As a consumer that took the time to contact this collection agency to take care of her dept should not be treated so rude be a professional company that is licenses by the state of Colorado to perform such services. If collection agencies are permitted to conduct business in such unprofessional manners, people who have debt to this Alpine Collection Agency Inc. does not have a chance of being treated fairly. I believe every collection agency should be required to use recorded lines, just for reasons like this one and this company does not support recording their conversation with their debtors.
Charged interest after promotional APR ended. I paid in full before due date. Still hit with interest charges of {$64.00}.