WillisBack/dataset-financial-user-claim huggingface dataset:
Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, experian and XXXX ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & Experian that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Nationstar Mortgage is trying to get me to buy more flood insuranse than is required by my mortgage contract. They have sent XXXX this XXXX letter which states " Your flood insurance poliicy coverage limits must be at least equal to the lowet of the following : 100 % of the replacement cost of the property, as determined by your homeowners insurance provider, or the maximum limit of coverage made available from the XXXX XXXX XXXX XXXX, which is currently {$250000.00}. '' Where as my mortgage contract states on page XXXX '' 1. The Borrower ( s ) must provide satisfactory evidence of hazard insurance coverage and flood insurance coverage if the Property is located in a special flood hazard area. 
2. Dwelling coverage must be equal to rhe lesser of the loan amount or the full replacement value of the property improvements, ... '' I have provided Nationstar with a fax from my insurance company stating thaty I have {$110000.00} worth of flood insurance and only owe approximately {$100000.00} on the loan. 
This is a ploy by Nationstar to buy me flood insurance at an outrageous rate. This is the same sham that XXXX XXXX XXXX pulled a couple of years back which resulted in a class action law suit against them.
I informed the collection agency that my insurance company would be handling the account and that they should contact them. I gave them my insurers information and they failed to contact them and continues to call me.
A check was written to pay for day care services for {$600.00} I signed the check the same way I sign every check. The check was returned due to an invalid signature. The signature is the same signature as other checks that paid recently and the same day. No one reached out to me to ask if it was valid. Spoke to client esacalations and played phone tag with rep. Called back and got a different rep and he said there was nothing he could do to cover the {$25.00} charge that I am being assessed by the payee. This is  PNC 's fault. PNC needs to pay the charge.
I was subjected to a fraudulent closing on a bank note with XXXX XXXXon XXXX XXXX. AFTER XXXX GMAC and XXXX XXXX all got involved. 
I filed TILA lawsuit XXXX in Fl. XXXX Circuit, and GMAC XXXX XXXX filed case XXXX, and OCWEN later allegedly tried to purchase mortgage servicing rights, but was stopped by Consent Orders with the US Treasury, Federal Reserve, and your office. 
All the issues that created your office came from me and others like me with XXXX XXXX complaints.Today I was subjected to an illegal judgment to sell my home, AFTER these consent Orders, especially on XXXX XXXX. So I want you to intervene with an XXXX XXXX by your attorney or stop them from the proposed XXXX XXXX sale.
I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( XXXX and Experian ), XXXX XXXX ( XXXX, Experian and XXXX   ),  XXXX ( Experian and XXXX  ), XXXX XXXX  ( XXXX, Experian and XXXX  ),  XXXX ( Experian and XXXX  ), XXXX XXXX ( Experian, XXXX  and XXXX ), XXXX ( XXXX, Experian and XXXX  ), XXXX XXXX XXXX ( Experian, XXXX  and XXXX ),  XXXX ( Experian and XXXX  ), Bankruptcy : Voluntary CH-XXXX ( XXXX, Experian and XXXX ).
I had my account verified in XXXX when I signed up with Coinbase. I made a number of transactions without any issues, but was in the process of making transactions on XXXX XXXX when Coinbase required that I re-verify my personal information. My account had been completely frozen - no trades or money transfers - until the re-verification process was complete. Over a few weeks, I tried every combination of spelling my full name and every address I 've lived in the past 10 years, but the only response I got back from their verification service was 'Could Not Locate That ID '. I even tried to close my account, but could not transfer my cash out of Coinbase. I called 6 times and was put on hold for over an hour each time. I finally reached someone and explained the situation ; they asked me to send in additional proof of residence. I sent in the information but have not received any update on when my account will be unfrozen.
I was on payment plan with  XXXX  for overpayment of benefits that i was paying $   XXXX   month for  $ 700+  overpayment. I received a credit alert th at Harvard Collection ag ency was reporting this debt as collection item in  XXXX .  XXXX  has con tinue to accept payments under the agreement we had. I do n't have a debt with Harvard Collection and they have caused my credit to suffer significantly by reporting this derogatory account.
Sprechman & XXXX has made another attempt to collect on a disputed, non-validated personal alleged debt. I have repeatedly requested that they validate the alleged debt. Their reply is that it is a commercial debt, and therefore it is not necessary to validate the debt. This alleged debt was to protect my personal property rights for my primary residence. I did not engage the original law firm ( XXXX and XXXX ) to set up a bed and breakfast. I had a contract to sell my property but because it was proposed that this right would be taken away in my XXXX XXXX XXXX, the sellers canceled the contract. This was for the sale of my personal residence. Had XXXX and XXXX been successful in defending my personal property rights, then I would have been able to sell my primary residence. 

In the Fair Debt Collection Practices Act, Section 803. Definitions. ( 5 ) " The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgement. '' Hiring a law firm to protect the sale of my personal household is practically the verbatim definition listed in this Section of the FDCPA. And Sprechman & XXXX 's refusal to validate the disputed alleged debt is a clear violation of the FDCPA.
I 've spent 4 hours trying to freeze my credit with Trans union. There 's not a free way to do it with them anymore. The representative on the phone told me to call back and enter my credit card information into their automated system in order to manage my credit. I 'm so infuriated since freezing my credit with them is impossible since equifax poorly handled my most private information. I do n't know what to do about this.
I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you
On XX/XX/XXXX I failed to pay my monthly amount due of {$620.00}.
On XX/XX/XXXX, I requested my original loan documents via fax and they were never produced.
On XX/XX/XXXX I received the first collection call at XXXX XXXX from XXXX. 

On XX/XX/XXXX I received a collection call form XXXX. 
I spoke to a representative of AES and told her that I could not continue to make payments because I had been unemployed and would not be able to catch up until XX/XX/XXXX at the earliest. She told me she would send it to the workout team and let me know. I asked them to stop calling me. I never heard back other than the constant harassing phone calls. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received collection calls form XXXX at XXXX and XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX. I placed a call to XXXX and spoke with XXXX, Agent ID XXXX. I told her that my request for original loan documents had not been received and she said I would get them in another 10 days. I reiterated my request that they stop calling me since I was unable to pay my loans and that I would not be able to begin making payments until at least XX/XX/XXXX. She said they would not stop calling me until the loan was " processed out of their system ... in approximately 180 days. '' On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. 

On XX/XX/XXXX I missed another installment of {$620.00} plus late fees from the missed payment in XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received a collection call from XXXX at XXXX XXXX.
I HAVE A TD CHECKING ACCOUNT WITH MY KIDS AS BENEFICIARIES. 

MY KIDS WERE SENT UNSOLICITED, TARGETED CREDIT CARD OFFERS FROM TD BANK. 

I WANT THIS PRACTICE - OF BANKS USING PRIVATE BENEFICIARY DATA TO MARKET THEIR ACCOUNTS AND SERVICES - TO STOP.
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with XXXX, XXXX  and Transunion credit reporting agencies. I requested verification of the debt and account however XXXX XXXX   failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I have received a decision by Experian that they had verified that the account is mine. 
I find it interesting because I had disputed with XXXX XXXX XXXX on the CFPB interface and they had confessed that they do not have or could not provide the original instrument of indebtedness in its original form or in any form for that matter. 
It further proves that Experian has not done its proper due diligence in verifying the accuracy of the information that they place on the credit report. 

It is sad that there are multiple people in the world who experience id theft and instead of going after the real culprit, they go after the victim and try to force the obligation on the victim.
In contrast to as recent as XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against XXXX XXXX XXXX in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. XXXX XXXXXXXX XXXX XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX   XXXX, XXXX XXXX and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to Fay Servicing. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court . 
In the case of Fay Service, we have served written letters ( see attached ) begin XXXX of XXXX to cease and decease all collection attempts on our XXXX XXXX XXXX Account since Fay Servicing is third party to a debt already in dispute with XXXX XXXXXXXX XXXX, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, XXXX XXXX XXXX in its deceptive attempt to unload a questionable debt to a third party debt collector Fay Servicing which in turn recruited XXXX XXXX an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX XXXX of California. 
Fay Servicing on behalf of XXXX XXXX Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX, XXXX XXXX XXXX, XXXX. 
In summary, the same fraudulent activity perperatered on us in XXXX by XXXX XXXXXXXX XXXX in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX Bankruptcy Court.
In XXXX XXXX we purchased a house through quickens loan. This company was unprofessional and could not seem to get our paperwork together and delayed the loan process to the point that we had almost lost the house we were trying to buy almost making us homeless. We finally got it worked out and closed on the very last day of the extension we had with the bank of the house we were buying. Then XXXX XXXX ( a year later ) I received a call from quickens loan stating my mortgage payment was not made. I make my payment through an accelerator program were they pull the payment right from my account so I know the payment was made. I have never missed or had a late payment on any house that I have bought. After several calls to quickens they did not seem to know why my payment jumped up XXXX dollars a month. I continued to get person after person and each one had a different reason as to why the payment went up. During this time I pulled my closing paperwork out to comparing the numbers and come to find out quickens used the assessed value of the house instead of the actual tax numbers that were supplied to them from the township tax assessor. In my closing package it did not have the assessed value paperwork it had the actual tax paperwork. When this was brought up to quickens they stated that they were aware of making some errors on our loan. And they way they offered to fix it was to remortgage our loan. I do n't think I should get charged again for their mistakes. Quickens falsified our numbers in order to close the deal with us knowing full well that it would come back on us. I believe they completely mislead us and caused us so many frustrating nights. XXXX XXXX XXXX we have remortgaged our house through another mortgage company. But I continue to get threatening phone calls from quickens stating they are going negatively affect out credit if we do n't make the XXXX extra payment even though their system shows that the balance will be paid in full. The new mortgage company contacted quickens and adjusted our new mortgage to cover all monies owed to quickens. Again quickens is aware of this but they are still threatening me on the phone.
I sent a written request to AARGON AGENCY INC at : AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX   NV XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector.

Creditor Information AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX NV XXXX   {$520.00} Original creditor : XXXX XXXX XXXX After AARGON AGENCY INC did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX and XXXX removed the info from my CBR permanently. XXXX  removed the info then added it back to my CBR after a couple months.
On XX/XX/2018 I paid a {$950.00} settlement payment to XXXX XXXX and removing the inquiry from all three credit reports which was agreed upon by both myself and the company. However, the additional amount of {$230.00} remains requested on my credit reports and this is not cooperative with the settlement agreement that we made.
Penn Credit has on several attempts attempted to collect a debt from me from someone who lives in Texas. She has a similar name to mine. I never gave Penn Credit or the original creditor my cell phone to contact me regarding any debt.
I mobile deposited a check from   XXXX   XXXX   dealership for  XXXX . The check was deposited in my account on  XXXX / XXXX /  XXXX  . The check was drawn on   XXXX   XXXX   of   XXXX    va. The check was then withdrawn from my Pentagon federal credit union account on  XXXX / XXXX /  XXXX   for duplicate deposit. I 've contacted both banks and the issuer and keep getting the run around. The check was apparently deposited in  XXXX  accounts. My car was stolen and the check was in my vehicle glove box at the time of the theft. Please help
On XXXX/XXXX/XXXX I settled a collection account with XXXX XXXX XXXX, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by XXXX was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled on XXXX/XXXX/XXXX, XXXX had not yet been reporting the collection account on my credit report ( see attached XXXX credit report showing collections only, dated XXXX/XXXX/XXXX ). However, in XXXX, over a month after I paid the XXXX collection account, the collection agent XXXX XXXX XXXX reported a new collection account to the credit bureaus with a retro open date of XXXX. 
In XXXX XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX XXXX collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted XXXX again on XXXX/XXXX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the XXXX collection agent on XXXX/XXXX/XXXX via credit card. Additionally at the time of payment I inquired with the XXXX collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the XXXX credit bureaus, and in XXXX XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the XXXX collection was settled prior to the account being reported, I filed dispute with the XXXX major credit bureaus, XXXX XXXX, Experian and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.
During the XX/XX/XXXX, I called XXXX ( XXXX ) to inquire why my XXXX check ( # XXXX ) payment had not been withdrawn from bank account at about the same time as in the past. The XXXX customer account personnel advised me to wait a few more days perhaps the mail delivery was delayed because of the XX/XX/XXXX holiday. When I called a week latter, the check had not been received, and the customer account personnel directed me to make the payment at the XXXX XXXX branch in Maryland. I made the payment ( check # XXXX ) which was drawn from my XXXX XXXX XXXX account on XX/XX/XXXX. The amount due on XXXX XXXX ( late charges on XXXX XXXX ) was {$790.00} but I paid {$800.00}. Despite the three phone calls that I made concerning this payment, XXXX did not notify me but charged me a {$25.00} late fee, applied the extra amount that I paid ( {$800.00} - XXXX = {$21.00} ) to the {$25.00} late charge and filed a report on my credit report stating that I was more than 30 days late. The credit reporting agency stated that the lender ( mortgage ) needs to submit a corrected report. Here is a direct quote from them : *Please note : Experian has a new policy effective XXXX/XXXX/XXXX : For all dispute removal requests a letter from the creditor specfically stating that the dispute on file is to be removed and that the account is no longer in dispute is required. A signed letter from the borrower will no longer be accepted by Experian*
I signed a modification agreement ( HFA Modification ) with the federal government that supersedes any other agreement. It was for the entire loan balance at that time. My original mortgage note was fixed, I never had an adjustable rate loan. The agreement I signed states that the interest rate is 2.375 and it may be adjusted only if my original note was an adjustable loan. That is not the case Every year Mr. Cooper FKA XXXX XXXX tries to increase my payment. I made a complaint previously about them and they apologized and fixed it. Now they are doing it again. Please help me.
XXXX garnished my wages from XX/XX/XXXX to XX/XX/XXXX of this year. In XX/XX/XXXX, I asked this company to verify the debt and they sent me a letter on XX/XX/XXXX stating they were unable to do so, and that collection was removed. In XX/XX/XXXX I received a garnishment notice from this company for the same debt. I sent a certified letter XX/XX/XXXX requesting debt verification, on XX/XX/XXXX they sent me a copy of a judgment which is not what I asked for. I requested the name of the original creditor, or company, what it was for, copies of any information or signed documents, ect. They failed to provide me with any information that I requested and violated my rights. XX/XX/XXXX I sent the same letter to their attorney via certified mail, she refused to sign for it. XX/XX/XXXX, I sent another letter certified mail tell the Credit Collections Bureau that since they failed to verify the debt they must cist and desist all garnishment until they are able to do so, they never responded and they did continue to garnish XXXX until XX/XX/XXXX. This caused me great hardship. I was unable to pay bills, or rent due to this and was charged many late fees which caused my finance situation to become ever worse.
Wells Fargo is a t it again! They have been lying to me ever since I refinanced with them 4 years ago. The most recent issue, they gave me specific instructions on how to pay off a loan. When I called today, they said that was not how mortgages are paid off and that I needed to send additional funds to a different address with a loan payoff letter. The loan has been paid and there is both money in the escrow account and extra funds that have been sent to the lender to cover all fees.
XXXX removed {$290.00} from account without written information a debt or request to pay debt.