WillisBack/dataset-financial-user-claim huggingface dataset:
So Ive recently checked my credit report on XX/XX/XXXX, and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be XXXX credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, Experian and XXXX explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX, XXXX for Experian, XXXX for XXXX  they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : Experian/XXXX/XXXX : 1. ) XXXX XXXX XXXX  Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date : XX/XX/XXXX 11. ) XXXX XXXX XXXX Date : XX/XX/XXXX 12. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the XXXX inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX Email : XXXXXXXXXXXX Phone : ( XXXX ) XXXX
I drove up to the ATM machine at the XXXX BB & T. I used my XXXX XXXX XXXX card ( XXXX XXXX XXXX XXXX ) to withdraw money on X/XX/17. I asked for {$300.00}. It went through the whole process, asked me if I accepted the fee and I did and it said to take my money. No money came out. I walked into the bank to report it and the teller said to check with my card. I called the card and it posted that the money was taken out. I went back in and told the teller and she went to speak to a manager, or someone in dispute and she came back and told me she was told there was nothing they could do since I was not a member of the bank that I needed to file a dispute with my card. I called my card and they said I was doing the right thing and they took all the info and told me it would be investigated. I got an email after 12 days and it said the dispute was denied. I called and asked why and they said based on info the bank sent them. I called the bank to tell them I was denied. The teller again went to talk to someone and came back with sorry we cant help since your not a member. I got a number for customer service and explained to them what happened. I told her the day and time and asked why no one cant look at the cameras to see I did n't get any money. I asked for ATM number and was told they could n't give me that. I asked why they had the machine if they was n't reasposible for it and was told its a courtesy. I said there was no warnings that if youre not a member and something goes wrong that you would not be helped by that bank. They just apologize and say since Im not a member there is nothing I can do. on X/XX/17 I had a withdrawl of XXXX from BB & T ATM on my XXXX XXXX XXXX card.
I received alert from XXXX XXXX of an inquiry from XXXX, Avant and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
In XXXX we took a Home Equity Line of Credit out on a property. There are XXXX people on the loan. We did n't realize at the time we signed a home equity loan with interest only for the first 10 years and principal and interest the remaining 10 years. Then in XXXX of XXXX we were slammed with a new payment of {$2600.00} from interest only of XXXX. We were never notified ahead of time our payment was changing due to this issue. We fell behind and immediately requested a modification from our lender. We were sent the package and completed it and returned it. We were approved in writing for the modification on XXXX XXXX, XXXX. Verbally we were told to make XXXX trial payments of {$1600.00} for three months. We agreed and made our first payment on XXXX XXXX, XXXX. On XXXX XXXX we received a letter from our lender that they were unable to offer assistance. This letter was dated XXXX XXXX, XXXX, XXXX day after we made our first trial payment. The reason for denial was Unacceptable Collateral. Who does that? This is wrong on so many levels. I also believe only XXXX couple was included in qualification for the modification. PNC does not seem to handle more than XXXX people on the loan with their computer system. So I know the XXXX couple 's income and ratios were not even included in the decision. At this point we were 5 months behind and left with no options. We did make up the deficit and are now current but I need PNC to answer for what they did and was the XXXX couple involved in the decision making.
Hi, My name is XXXX XXXX one of the user of CoinBAse. 
i had participated one of the ICO ( initial coin offering ) from XXXX. And I had transferred XXXXETH and Tx status is succesfull. 
As per the etherscan it is showing that COINBASE had recieved XXXX tokens to their coinbase wallet. However COINBASE team is not helping to send it over to my personal etherwallet. 

After doing proper research over internet, there are plenty of users with such an incident. 
Please help me to get my hard earned money back to me. 

Regards XXXX M
I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but   XXXX   will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
I just received notification that this account was added to my credit report. I did not receive a dunning letter. The address that they are reporting is not my address and I have never lived at that address.
I leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( Experian and directly with XXXX XXXX ) to no avail. The results of the most recent Experian Re-Investigation is included.
Equifax has not been any help to me I called to let them know that my student loan which is in good standing is appearing on my credit report numerous times and its all XXXX loan.It has been consolidated. I provide them with all the information that I could and they still did not remove anything.I have called my student loan company and they stated they submitted all my paper work to the credit bureaus and it should not be reflecting on my credit.I let Equifax know what my loan company said and still got no help!
This is a continuation of my previous complaint #  XXXX .  Nelnet  did not explain why my loans are being reported as  XXXX  different accounts on my credit report. They claim there are  XXXX  accounts. I uploaded a copy of my credit report showing  XXXX  accounts and did not receive an y further response from Nelnet.
I got a XXXX  XXXX XXXX credit card and paid it off, thinking everything was paid there was a past due amount for {$19.00} back in XXXX. It went past due for 30 days and then for 60 days so I called and they took off the late fees and I paid the {$19.00} but they still put it towards my credit score. I called them but they said they cant do anything.
On XXXX XXXX, 2017 I borrowed a XXXX loan from this company, now they are saying I owe over 2,000 dollars. I have attempted to contact money lion several times and I have n't gotten a call back or answered call.
Fortiva is the servicing company who handles my XXXX card. I 've had other issues with this care, one that I had to report previously to your agency. I am back to file a complaint against them for how the handle the payments that are made toward the balance. I made the minimum payment due on XXXX XXXX, XXXX and the funds were removed by XXXX on XXXX XXXX, XXXX. I reviewed the account online and it says I have {$84.00} available to use. I went to a XXXX store close to my residence today and tried to purchased {$81.00} worth on cleaning products for my home. The cashier was great and tried it twice. After that, I pulled my phone out to confirm the available credit. During this time, their front end is getting busy. Here I am standing in line with my XXXX XXXX XXXX son wondering why my purchase keeps being decline. The cashier called them for me and when the representative came on, he proceeded to tell me that even though the payment was made, the funds would not be available to me until XXXX XXXX, XXXX. I was livid and most importantly, embarrassed. He proceeded to tell me that he knew how I felt and I was like no he did n't. I told him how embarrassed I was and that they 've had my money since XXXX XXXX. They are illegally holding my money. I am including the screenshots of their website, my bank account and their card agreement posted on their website. I need this policy reviewed. I want an apology for the embarrassment I went through.
XXXX, from Pioneer Credit Recovery XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, contacted my husband XXXX on his cell phone XXXX XXXX, 2016 telling him he was responsible for a debt that I, XXXX XXXX, allegedly owed because we are married. XXXX explained he owes no debt and is not responsible for any allegeded debt of mine ( XXXX ) and asked XXXX not to call him again and hung up. Ten minutes later XXXX called XXXX again and demanded payent for a debt I am alleged to owe. Today, XXXX XXXX, 2016 XXXX called and stated XXXX called her telling her falsely she called her because she was my ( XXXX ) landlord and I owed a debt. XXXX, we own our home and have never rented from her.
i had to pay {$750.00} to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XX/XX/XXXX.They transfered it to Rash Curtis & AssociatesXXXX XXXX XXXX XXXX, XXXX, CA XXXX i paid Rash & curtis {$750.00} on XX/XX/XXXX.after paying bill also they did n't send me a receipt and did not provide me a bill for it, still they sent this as negavtive item to XXXX credit baurau.

i requested XXXX to remove it from my credit report they said they ca
n't do it though it is paid, Rash & curtis associates and XXXX XXXX XXXX XXXX XXXX said same
I tried to opening an checking account and was not able to open the XXXX account at Washington Federal.
The company coinbase charged my {$16.00} to send {$2.00} to my friend. There was no transparency on the fee being {$14.00} prior to the transaction. That 's unreasonably excessive. I ca n't cancel the transaction either! It 's not fair to charge me way more than what I sent and charging me without my authorization.
XXXX XXXX XXXX XXXX IL has reported monthly that I am late with my payments. I want this removed from my Experian report. I am in a chapter XXXX bankruptcy and XXXX XXXX is in my package to be paid thru the trustee. I have several other accounts listed in my XXXX and no won else has reported negatively on my credit report. You know why because it 's against the law to report negatively when your listed in a chapter XXXX.
My home has been in pre-foreclosure since XXXX 2014 because of the situation my estranged husband put me in. I am a victim of financial abuse and have been working with several government agencies to recover from the economic burden he has left me and my XXXX small children with. The concern I have with the current mortgage company is the time frame that this pre-foreclosure process has taken and we still have not even had an underwriter give me any options to keep the house. They keep asking for more, and more and more. Anytime there has been a request I have given it to them in a VERY timeley fashion. I feel as though I am being drug through the mud so that I am forced to give up the house and walk away just by there tactics of wearing me down and draining all of my free time getting them silly documents and then they never received the first ones so i have to XXXX or fax them all over. I have very good notes of all they have put me thru, it actually fills an entire brown grocery bag. Please help me to get to the end of this lenghty process and hold them accountable for the time they have drug this out. I need a roof over me and my kids heads and at the time this started all government programs were full and could not help me. I am now going back and asking them for help since this has been a complete nightmare trying to XXXX, care for XXXX kids and give this bank all my free time to get nowhere.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I checked my credit report and all of my inquiries were deleted. I login today and now they are back which are affecting my credit score.
In XX/XX/XXXX The Moore Law Group in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with XXXX XXXX that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time limitation and over 10 years had passed from the date of last activity inXX/XX/XXXX 
I was injured in XX/XX/XXXXand had to have several XXXX. I was not physically able to return to work until XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay XXXX XXXX after XX/XX/XXXX. 
Prior toXX/XX/XXXX, The Moore Law Group had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money The Moore Law Group stole from me was my rent money and they caused me severe financial and emotional damage. 

The XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that The Moore Law Group would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX The Moore group seized {$24.00} from my account and are harassing me to make a payment plan with them for the XXXX XXXX debt that the last day of activity is over ten years old.
In XXXX XXXX I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX Frequent flier miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least {$500.00} in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX and received verbal confirmation that the offer was attached to my account and I funded the account on XXXX/XXXX/XXXX. I quickly completed the requirements. 
On approximately XXXX XXXX, XXXX I contacted Citi and spoke to a representative named " XXXX '' who assurred me that I had met all the requirements and the promotioal code was attached to my account. She stated I should see the miles post to my account by XXXX XXXX, XXXX In XXXX I secure messaged Citi and received a reply stating : " Our records confirm you met all the requirements for promotion code XXXX. 
The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you completed all offer requirements. '' In XXXX I secure messaged Citi again the reply was " After further research we see you used a promotion code when the account was opened, however this promotion code was not sent to you by Citibank, regrettable you were not targeted for this promotion. '' I immediately appealed this citing verbal and written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account and both verbally and in writing in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least {$500.00} worth of frequent flier miles
I will try to be brief ... On XX/XX/2017 around XXXX. I received a phone call from my girlfriend stating that an investigator was trying to reach me. She told me that he needed to talk to me about a matter that will be held downtown in court tomorrow. While on the phone with her, I received another call on the other line from a man who claimed to be a " Fraud Investigator '' for XXXX. He insisted that a fraud case was coming up the next day in court and that I needed to be present .. This was a lie and I found out that he was an employee for Devon Financial a XXXX. I then related to him that any XXXX i had was discharged with my bankruptcy. I also explained that I was a retired XXXX XXXX and what he was saying wasnt true. He became irate with that and proceded to call me a " XXXX! '' My immediate response was " What Did You Just Call Me? '' To which he responded, " You Heard Me! '' I then told him I will be making a complaint and hung up. Now this type of conduct is very unacceptable, unprofessional and above all " XXXX '' and needs immediate attention and more screening of your employees. I really look forward to hearing from your office regarding this matter. I thank you in advance. 
XXXX
XXXX XXXX messed up their accounting when I closed my account with them and they have told me on 3 separate occasions this year that I do not owe the debt. Unfortunately XXXX assigned the debt to a collection agency who will not stop threatening me despite multiple calls from me explaining the situation. Each time the collection agency says they will contact XXXX to confirm the status but XXXX has no record of them doing so. The collection agency is Credit Protection Association L.P., XXXX XXXX XXXX, XXXX TX XXXX. The amount I am being told to pay is {$40.00}. Their reference number for the collection is XXXX. The phone number for the collection agency is XXXX. Constellation has assigned me a reference number for this issue - that ref number is XXXX. I feel like I am being extorted for this sum and wish to file a complaint against Credit Protection Association L.P .
In reference to CFPB case noXXXX and Bank of America case no XXXX. 
BOA has deliberately refused to address my dispute. This dispute has been going back and forth until present. The bank responded to a dispute that has already been resolved, and irrelevant or illegitimate documentation has been submitted to cfpb. The dispute about the cancelled ticket from XXXX XXXX has already been resolved. The tickets were used the following year ( XXXX ). Again my dispute is a charge of {$7300.00} on my card dated XX/XX/XXXX for a PURCHASED round ticket for XXXX from XXXX. I did not or ever purchased a ticket on the said date. I did not acknowledge any purchase of such and never received a MERCHANDISE. I can not stress that enough. I am therefore requesting proof of purchase and merchandise delivered for that payment. That is what BOA should have requested from a merchant before paying money out. Merchants should not charge to please themselves because they have a consumer 's card information on record. To avoid legal fees and any inconveniences, I want this to be settle amicably. I can not not stress that enough, that the charge on the card dated XX/XX/XXXX was not a cancelled transaction but a claimed purchase by the merchant which is in dispute. So for BOA to send a mail out indicating the rights of a merchant to operate business independently and set cancellation policies is preposterous and not holding for a charged item. The bank can not pay any money out to any individual or company without my concern and inform me to take it up the merchant when there is a fraud.