WillisBack/dataset-financial-user-claim huggingface dataset:
Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION INTERACTIVE, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX CA XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
On XX/XX/XXXX, XXXX XXXX XXXX, the auto loan borrower, received the aforementioned vehicle from XXXX and an auto loan from XXXX XXXX XXXX, now known as Bridgecrest Acceptance Corporation, with the following conditions : Vehicle Sales Price : {$13000.00} Annual Percentage Rate : 20 % Finance Charge : {$6600.00} Amount Financed : {$13000.00} Total of Payments : {$20000.00} Down Payment : {$1200.00} Total Sale Price : {$21000.00} Terms of repayment : Number of Payments : 109 plus 1 Final Payment Amount of Each Payment : {$180.00} Bi-Weekly Beginning XX/XX/XXXX Amount of Final Payment : {$180.00} on XX/XX/XXXX Please see attached .pdf document for full description of issue ( s ) concerning : ACCOUNT # XXXX VEHICLE DESCRIPTION : XXXX XXXX XXXX XXXX VIN # XXXX Thank you.
Navient is unable to prove who owns my student loan ( XXXX XXXX XXXX XXXX XXXX issue recently seen in the media ). They have been collecting regular payments from me since XXXX XXXX, and over half of the payment amount goes toward interest. If myself or my loan servicer ( Navient ) does n't know who my loan belongs to, how do they know how and where to allocate the money they collect from me every month? They are collecting interest illegally.
I received a notice dated XX/XX/2018 from XXXX, XXXX XXXX : Creditor : XXXX Link, Creditor account : XXXX ; XXXX Acct : XXXX ; Balance Due : {$270.00} I have never had a Century Link account. This is a fraudulent attempt to collect money I do not owe on an account I have never had. 

I have requested further information from XXXX including dates of alleged service, alleged service address, etc. I believe they are trying to collect on a name similar to mine and have contacted me in error.
Equifax failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX were never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
We filed a claim the other day due to the way we were treated by Bank of America when my brother and I went to obtain our money as POD 's on our dads account. That is case # XXXX. Today I received a call from XXXX XXXX at Bank of America, phone # XXXX ext XXXX to try to resolve the cfpb claim. XXXX XXXX did n't know my dad 's name, account #, dob, or SS #. She asked that I give her the information to which I refused. This adds insult to injury that Bank of America would have the audacity to call me with the intent of resolving a claim through cfpb without having researched the claim or the need for the complaint. In am infuriated and insulted.
A background check was done under my name on XX/XX/2018 by First Avantage National Criminal File Plus and found a record on my file. 
( DATABASE SEARCH XDB- FLORIDA XXXX XXXX  REGISTRY ) Case Reference # XXXX.
I am submitting a complaint, firstly here, then to the BBB, after this I will be seeking more aggressive routes as this is criminal in my mind, in order to hopefully get some kind of relief from the damage this company I C SYSTEMS has done to my credit. I have asked many times to verify the debt of {$1100.00} as well as show the contract that I have signed with them and not any other company. Without any proof sent to me. They have changed the dates on the debt. They have repeatedly reported it as new debt in my reports and I have watched my score drop at least 11 points each time that have done this. Most recently they didn't even wait a week before slamming me with this tactic twice. Which I will send proof of with this complaint. This damage will take me years to fix. I believe this is an illegal practice and not the least of which immoral. I don't know this debt. I will NOT pay this debt. I will not give any money to anyone that is trying to strong arm me. I have lost way more in time spent trying to repair my credit and interest rates due directly to their actions. This has been going on far to long.
On XX/XX/XXXX I placed a credit freeze with One of the main 3 credit reporters. This was because I received a letter in the mail saying my old company I worked for XXXX had been hacked in XXXX and they just now found out. I signed up because my info is on the dark web, i have been hacked earlier in the year, and a car and insurance from XXXX was purchased. I still am seeing credit inquiries nearly everyday that I am not familiar with at all and nobody is calling me to verify if it is me! Please remove all ( HARD & SOFT ) of these inquiries from my reports and freeze my credit now. If the Inquirer DOES NOT HAVE MY WET SIGNATURE, OR IDENTIFICATION WITH THE APPLICATION. ACCORDING TO FCRA SECTION 604 THEN IT IS NOT VALID ... I AM DEMANDING ALL INQUIRIES BE LOOKED INTO FOR PREVIOUS 2 YEARS FROM TODAY XX/XX/XXXX. 

THANK YOU, XXXX XXXX
I had a third party write me a check that bounced. Because of immediate availability of funds, I used some of the money. Bank of America then closed my account and reported me to XXXX XXXX XXXX after banking with them for XXXX years. I have never once received any communication about the account, and bankers there can not even tell me what I owe or where to send money to pay off the account. Now XXXX XXXX is closing my relationship there as well because of this report. I have perfect credit and have worked in the XXXX. I am in shock that an institution can have so little communication with a long term client, let alone XXXX mega-institutions.
I INCLUDE MY ADDRESS EVERY TIME I SUBMIT A COMPLAINT,. I AM REQUESTING THAT MY ADDRESS BE CORRECTED. I DO NOT AND NEVER HAVE LIVE ON XXXX XXXX. IN XXXX. THAT IS MY EX HUSBANDS ADDRESS PLEASE MAKE CORRECTION
I was contacted in I believe XX/XX/XXXX from XXXX XXXX or I may have noticed it on my credit report, I promptly contacted XXXX and had to fill out a Fraud Packet and file a police report. This was removed from my credit. The account was opened in XXXX Florida and they would not even tell me the type of credit it was I assume cable or wireless due to it being XXXX. Fast forward to XX/XX/XXXX and I am then contacted by a credit agency and once again dispute the validity of the debt. It was once again removed from credit. I wake up this Sunday morning and once again it has been added to my credit from a new credit agency. Not only are they reporting this account but have the account as being opened in XX/XX/XXXX when in fact I called and spoke with a customer Service rep at XXXX XXXX they told me it was the same XX/XX/XXXX account. How many times can this be sold out of different companies to ruin my credit? I have credit protection and fraud alerts everywhere and it doesn't seem to matter. And this last agency never even contacted me prior to adding this to my report and specifically in the disclaimer told me they would sue me. How do I stop this nightmare?
I have been receiving calls from a local number, XXXX and it is an automated number stating that this message is for me and that this is XXXX XXXX and she is a processor and that she tried to serve me sealed documents at my home yesterday. She stated in the voicemail that this her 3rd time trying to do so. She states that she will be checking my other known locations trying to find me. She states that if I do not accept these she will have to inform the filing party and to contact her at XXXX.
ON XXXX I sent letters to XXXX all ACH debits from my account for Payday loan companies ... sent a letter for each company as I got into a Payday Loan Consolidation program ... On XXXX I called Huntington and closed my account ( while it was still positive balance ) on XXXX and now XXXX they continue to take ACH Debits out - which now has my " so called '' closed account at - {$2000.00} ... this is not acceptable - I did everything on my end as I was told to.
After reviewing my credit report, I discovered that Target has been adding new " Key Derogatories '' when I settled on this account two years ago. This is inaccurate and only serves to lower my credit score. I have been disputing this account for a few months now and Target has done nothing but damaged my score even more. There can not be ANY " payment history '' entries AFTER the account was paid because this is a closed account and there is no balance due. I am also attaching a copy of my credit report showing their updates in my payment history. Their inaccurate reporting is unfairly damaging my credit score and needs to be removed!
I have been trying to do a short sale for my property. I have lost an offer due to unnecessary delay of servicer in reviewing submitted documentation. I resubmitted and offer again and the short sale package was deemed complete in XX/XX/2018 and as of today the file has been escalated for internal review five times to no avail. I am again about to lose a second prospective buyer due to loancares negligence.
Coinbase s uspended my account access and I ca n't log into the account at all. They asked me to upload my ID to allow an increase in transactions and as soon as I uploaded my valid ID they suspend my acco unt. TI st ill have funds in my account and I have no way of accessing them or removing them at all at this point. I 've sent several emails over  a 2 week time frame asking to resolve this issue and restore my account access but only got one automa ted reply with information about ID uploads ... none of which applies or has anything to do with my requests. They have n't addressed the issue and have not replied to any communications.  <P/> I would like to have someo ne at Coinbase restore my account so that I can log in and remove my funds that are still there.
This is my parents phone number. I setup a payment plan and gave them my phone number and told them that I ca n't be reached at the number they have been calling and to stop calling. They stopped for awhile but are now calling my parents multiple times per day.
I sent letters to the 3 credit bureaus ( XXXX, Transunion, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, Transunion & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18, Transunion : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, Transunion : XX/XX/18 & XXXX : XX/XX/18 XXXX letters XXXX ). 

XXXX : XX/XX/18, Transunion XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for Transunion, XXXX, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Transunion : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.
Got a phone call from XXXX No listing on Caller iD as to name I looked the number up online and It belongs to Aargon Agency. I do not have bills past due. or any reason for a debt agency to call me. It was a robo call, for me to call a number about this debt. Call was XXXX XXXX/XXXX/2016
To Whom it May Concern : I am writing to make it be known that both XXXX and Transunion have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XXXX and XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.
Hi, I recently paid my credit card payment with capital one XXXX XXXX thru auto pay. My auto pay payment was posted for {$35.00} and to my understanding, I didn't needed it to worry about my payment until the following month. To my surprise, two days later I received an email stating I was late on my payment and that I needed to pay an extra {$2.00}. 
I did end out paying the extra {$2.00} but, I later found out I received a {$25.00} late fee. I contacted customer service and she explained how the system fluctuate on a monthly basis, and that my payment was supposed to be {$37.00}. 
She later explained for future reference, she could increase the minimum payment on my auto pay but, she couldn't not issue a credit. I asked to talk to a supervisor and I went over my case to him. He listened a mere 30 seconds to my complaint and transfer me to another agent with the claims department. He went on to said the same thing the first agent said to me. At that point, I felt I was not going to get a fair resolution regarding my late fee charge. 
My questions are : Why Capital One allow in their system to set a minimum payment if the amount fluctuate on a monthly basis. 
If auto pay is set for an account, why the system doesn't adjust the payment accordingly. 
There was no notification stating minimum payment was {$37.00}. 
Auto pay is supposed to be a tool to avoid late charges and remind payment for those that have a busy life. 
No empowerment to make sense of what's right to consumers and realize of the situation. ( No agent or supervisor explained clearly of why I was being charged ) How many cases like mine are being processed and consumers being charged for this loophole in the system. 
This is a complete rip off from a so called respected financial institution.
In XXXX my grandmother filed for chapter XXXX bankruptcy. She did not put our home under the bankruptcy and was given a loan modification. This was due to an income change because she had a series of XXXX. She XXXX XXXX in XXXX. Right before she XXXX she was a couple of months behind on her mortgage payments. I contacted the company to resolve the issue and take over the loan. My sister and I applied for a loan modification and it was granted in XXXX of XXXX. When the XXXX payment was to be made the relationship manager assigned to my case do n't send in the payment until further notice because there was a mixup with the paperwork and someone would be in touch with me. The verbal reason I was given after many attempts was that I initiated the payments too early. They then said we skipped steps. I did everything that was asked of me. They then said the debt was discharged in a bankruptcy but the house was n't entered under the bankruptcy. I showed them proof from her lawyer that it was n't. I 've been fighting Ocwen Loan Servicing LLC for the last for years and the company has foreclosed on my home. We 've had this home for over 40 years and I feel there was a predatory scam ran on me to keep the home. We have been at this for years and I just want to retain the home. There was a company that did an initial look into the matter but wanted {$3000.00} with no guarantee of results. The loan amount has gone up to {$150000.00}. XXXX XXXX is the bank that held the loan. We 're raising an XXXX child and teenager and our home is security and stability for the children. When I went to the court to stop the sale the company adjourned the sale and pretended to want to work with me but I had to get in contact with their lawyers to find out that was n't happening. No one contacted me. Every contact was initiated by me.
The account listed below is fraudulent and was created without my consent I would like it removed from my credit report at once. I am a victim of identity theft and have several police reports to verify this. I have tried contacting this company many times in this matter. This account does n't belong to me please remove it at once because it 's not mine and was fraudulently opened. 
XX/XX/2018 Collection Agency ABILITY RECOVERY SERVICES , LLC Balance {$1400.00} XXXX XXXX
I received notification from ABR Recovery Services in   XXXX   2017. They stated that I owed them {$1300.00} for a debt owed to   XXXX   XXXX  .
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I immediately disputed this account on  XXXX   XXXX , 2017 through email. I stated the reason for the dispute is that this company was the 5th company trying to collect on this debt, in which I had already made a payment with another agency and had a future payment plan.
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I received notification that the email was delivered on   XXXX    XXXX , 2017, but ABR Recovery Services failed to respond to my dispute. At the time I had an agreement with   XXXX   XXXX   whom was working on behalf of   XXXX   XXXX  .
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I received a call from ABR Recovery Services on   XXXX    XXXX , 2017. They were continuing to try and collect on this debt. I stated to them that I disputed this in   XXXX   and had no response from them. They proceeded to pass me along to an " account manager. '' The man stated that he owned the debt and would delete the debt off my credit report and offered me a 20 percent discount. I stated I was making my final payment to   XXXX   XXXX  . I made the final payment to   XXXX   XXXX   and have settled the account.
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On   XXXX    XXXX , 2017 I received alerts from   XXXX   XXXX    indicating a new collection account. ABR Recovery reported this debt to   XXXX   XXXX   and  XXXX  credit agencies. I instantly disputed the disputed this with  XXXX  Bureaus.
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ABR Recovery continues to submit false information to the credit bureaus and this is affecting my credit and making it impossible to achieve good rates and difficulty obtaining loans.
I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXXwe had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
I dont know why this company is callling my home. I have a perfect credit record and I dont owe any company any debt. I answered the last time they called and I kept saying hello hello and then I just heard a click in my ear. They never said a word.
PREVIOUSLY DISPUTED THIS INFORMATION WITH THE CREDIT BUREAU. THE BUREAU REMOVED THE INFORMATION AND REINSERTED THE INFORMATION WITH OUT GIVING ME ANY NOTICE OF THE INFORMATION BEING REINSERTED TO MY CREDIT REPORT. INFORMATION IS AS FOLLOWS : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN ADDRESSES XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX , XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX SOCIAL SECURITY NUMBER *********** *********** *********** *********** I HAVE SENT IN A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD AS PROOF OF MY IDENTITY SEVERAL TIMES. I AM NOT ASKING FOR A REINVESTIGATION I AM ASKING THAT THE CREDIT BUREAU FOLLOW THE LAW AND REMOVE THIS INFORMATION FROM MY REPORT
I sold my property  XXXX    XXXX  ,2017 and on  XXXX   XXXX ,    2017  requested a Breakdown of the {$60000.00} charged for the " Shared Appreciation Amount '' from Ocwen  Loan Servicing.    XXXX  On  XXXX   XXXX ,  2017 I received a letter ( a ttached ) stating that I only should have paid {$9800.00} for th e " Shared Appreciation Agreement '' ( a ttached ). Ocwen charged me {$60000.00} through escrow and I have not received a refund.   XXXX  On  XXXX   XXXX ,  2017  I requested a refund on the {$50000.00} for over payment. ( attache d ) No res ponse from Ocwen.
Opened a Macy 's credit card to get the 20 % discount - I have an XXXX credit score, so was not concerned with a hard check no my credit. As intended, I paid the outstanding balance in full immediately upon receiving the first bill. I checked my credit report, randomly, a few months later and noticed they had reported at 60 day overdue balance of {$18.00}. When I called, they informed me this was interest charge ... interesting how interest can accrue on {$0.00}. When I let them know this was fraud, they immediately back tracked and did everything necessary to remove the charges, report the correct info to the credit agency and close the card ( as they were previously instructed ). They also proceeded to say they had the wrong address on file - also very interesting bc the first bill had no problem finding its way to me when they wanted to get paid the initial balance. 

If you have a retail card from Macy 's - review your statement carefully ... likely interest and late fees on their that are fraudulent.