WillisBack/dataset-financial-user-claim huggingface dataset:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX, and XXXX credit report. 

2. The inquiry was not authorized XXXX Cards Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX and XXXX   credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XX/XX/XXXX Please remove it from my Experian, XXXX and XXXX credit report. 

4. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

8. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

11. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

15. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 

16. The inquiry was not authorized XXXX XXXX CH Account Number : XX/XX/XXXX Please remove it from my credit XXXX report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, experian and XXXX credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
i paid my lease in full and XXXX XXXX is reporting a voluntary repossession on my credit. this has damaged my credit score.
After first consolidating all of my loads with Fedloan Servicing, I have been attempting to get on the Income Based Repayment program since I received my new federal government job and my income increased and I qualify for the 10 year loan forgiveness repayment program. I submitted my documents twice. Every month they say they will calculate and notify me of my new payment but every month all they do is send me the same bill with the same INCORRECT amount due. This has been happening since XX/XX/XXXX and it is now XX/XX/XXXX, and I am really frustrated. I just want to repay the amount I owe, not have to call and re-explain everything every month.
I have tried contacting the company to enable some of the features on my account and/or to close my account. I get put on hold and never got to a resolution.
Our current mortgage is with Seterus out of XXXX XXXX, Mi. About a month ago we applied to XXXX XXXX Bank in XXXX, Ohio to refi at a lower rate and shorter length. A request by the XXXX to Seterus was summited twice and and it has been almost 3 weeks and still no payoff has been sent to the XXXX. I called yesterday to Seterus and was told it would be XXXX to 2 weeks more before they could process the payoff. This is not acceptable
Posted a cash deposit on XX/XX/2018 in the amount of {$800.00} well before the XXXX XXXX cutoff. Regions did not post this deposit to my account XX/XX/2018. The money just saw there even though, it was coming directly from my checking account. 
On XX/XX/XXXX, I was told by XXXX, the credit card supervisor that it takes 48-72 business hours for cash deposits to post to an Explore account. I  attempted to explain that I had never experienced this type of undue delay with a cash deposit. She was rude.
XX/XX/2018 I go to XXXX to get a free credit report for TransUnion. I get the report.

I then want to see the score. I get a page that prompts for credit card info, I see NO indication that I'm paying {$19.00} and that I'm signing up for a SUBSCRIPTION.

I then try to cancel my order / subscription at TransUnion website. It is not possible.

TransUnion requires people to call a toll free number, which requires a very long wait.

1 ) It is VERY MISLEADING to not say that seeing your credit score requires signing up for subscription service.

2 ) The page did NOT show how much the cost is.

3 ) It is TOO HARD to cancel the subscription or order.
Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX  ,   XXXX  ,   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Ag encies are supposed to verify received from creditors before this information is added to your credit file.   Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
I was contacted by XXXX XXXX XXXX Village Capital & Investment LOAN Originator on XX/XX/XXXX about refinancing my mortgage stating we can setup the loan you will not have payment for 2 months. Then on XX/XX/XXXXanother email stating that I could lower my interest rate to 4 % and payment could be lower as much as XXXX per month.You do not need to re-qualify with income, credit, or an appraisal. You are not obligated to do a mortgage just because you start an application. We can set up the loan so you will not have a payment due for 2 months. On XX/XX/XXXX after I ask him could my interest rate be lower to 3,75 % and he replied that it could be reduced as much as XXXX. Then on XX/XX/XXXX he stated the need for documents and 2 separate utility bills and declarations page for your home owners insurance.The refinance document was attached to the email which I completed and email back to XXXX XXXX onXX/XX/XXXX. I receive a letter from Village Capital Investment LLC out line your mortgage loan application if you have question please contact your Loan Officer XXXX XXXX XXXX  by calling XXXX. This letter showing a project payment amount of XXXX for 1-11 years and XXXX 12-30 year. I then tried to contact XXXX XXXX  from the date XX/XX/XXXX to XX/XX/XXXX but by then I receive late payment that damaged my credit. Then they submitted the report to the credit bureau as I have refinance my home that isn't true
I received a letter which was a notice of unpaid electronic fund transfer. The letter did not state who this debt was owed to. They indicated the amount due was {$270.00} with a late check fee of XXXX bringing the total to XXXX This company has paid {$3.00} XXXX dollars in the past for fraudulent activities.
I received {$24000.00}. from my insurance company for damages to my home. The checks I received had to be endorsed my myself and Loancare. I sent loancare the checks and insuranceclaim check, required an inspection which passed 100 % and I sent supporting documents to show I paid my contractors. I sent all paperwork, they have had my money for 6 weeks ( XX/XX/18 ) and I already paid for all the expenses to my house through my equity line and I am now paying interest as well. I keep getting the runaround with XXXX  regarding my monies. Please help, I have recently read reviews about them online and many many people are reporting similar problems with this company. Thank you XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, XXXX I contacted Experian regarding several medical collection accounts by XXXX XXXX XXXX appearing in my credit file. I have requested that Experian disclose to me all of the documents that they have recorded and retained in their file verifying that these collection accounts belong to me. On XXXX XXXX, XXXX I contacted Experian again requesting the same information and asked for the names of the representative they spoke with to verify this information. On XXXX XXXX, XXXX I mailed Experian proof that there is know way they verified this information, due to the fact that XXXX XXXX has no record of these accounts. On XXXX XXXX, XXXX I received a letter from Experian stating they are still investigating my dispute. But they had already sent 2 letters stating this information had been verified, so all they have to do is look in their records and advise who they contacted and send me the information. Experian has had since May to verify this information and send me the documentation. Now today I check my credit score with no changes my score has dropped XXXX points. I am working hard to clean up my credit, pay accounts on time in order to purchase a home for my family. If you look at my credit file you will notice payments on time, utilization is down. Then for Experian to drop my score because of these unverified medical collections is unfair and unethical.
Wells Fargo Home Mortgage Has a Correction Agreement Limited Power Of Attorney that is not legally stamp nor sign by a Notary which is left blank. There is on the page sent to me by Wells Fargo Home Mortgage limited certificate attach to what page or what document there is no such page or no reference to what page or what document it is attach to. Wells Fargo Home Mortgage just sent this document after years and 7 months of filing with CFPB requesting documents. The Correction Agreement Limited Power Of attorney is not legally binding due to errors no Notary stamp nor sign by the Notary. As to the California All Purpose Certificate of Acknowledgement document is not my signature and is forged as if it is these to documents that Wells Fargo Mortgage is stating there both in error as well as forged any one can see that the California All Purpose Certificate of Acknowledgement is filled in and sign by the same person. The Correction Agreement Limited Power of Attorney has a total different signature that is the CAPC to make the loan legally binding. That document is not my signature nor sign by me to make the loan legal and as to the Correction Agreement Limited Power of Attorney is not notarized by no notary nor stamp by no notary which both documents are not legally binding there was forgery by the notary in which I have had file with the Secretary of state to the notary that filed and sign my name and said I personal appeared if I was there why is the Correction Agreement Limited Power of Attorney not sign by the notary and stamp and why did some one forge my name and said I personally appeared and sign any one can see that the documents I sign is all the same and this document has been forged as well this is not no legal binding contract. 
Wells Fargo Home Mortgage has yet to provide from a document place that the CAPC of Acknowledgement is my signature and has not yet provided no such proof to make this loan legal and the instrument a legally binding contract. There has been forged documents by the Notary/ Wells Fargo Home Mortgage XXXX Now that this last document was sent I can pursue legal matters and legal action on Wells Fargo Home Mortgage
I made a security purchase on XX/XX/XXXX using my chase Checking account I was alerted on XX/XX/XXXX that the payment was declined by Chase due to insufficient funds. I immediately got concerned and called Chase. 

Chase had issued a Court Ordered " Hold '' on my account for {$12000.00}. They also mistakenly " debited '' {$12000.00} out of my checking account. They agreed the total amount was {$12000.00} and that they mistakenly tied up {$24000.00} causing the stop payment for insufficient funds. 

The Brokerage now has fined me for failing to settle the transaction, not to mention {$1600.00} in lost gains and they closed my account. 

I spent hours on the phone with various Chase customer service representatives and Court Order and Levies representatives. They admitted to the problem and said they would reissue the payment for the securities within 24 hours. 

Fast forward to XX/XX/XXXX, and Chase has completely changed their story saying there is nothing they can do, the payment can not be resubmitted. 

I am extremely troubled by the lack of sound information coming from various Chase representatives. I 've spent hours on the phone with Chase, and I got 3 different answers when talking to 3 different reps. The latest call was ended after the rep told me there is nothing more they can do and she hung up ( XXXX XXXX - XXXX ) I have been a Chase customer for almost 20 years and this is the last straw. I am going to start closing accounts and moving business elsewhere. Somewhere that can service the customers it has. These banks are becoming too big for their own good and it shows. They hide behind phone calls and there is ZERO accountability. Everyone operated behind a phone and computer and no one actually cares when the customer gets burned. 

Between XXXX XXXX and Chase, they cant get out of their own way.
I have been a Bank of America customer for over a decade, and my wife has been XXXX for longer than that. I was pre-approved for a mortgage by XXXX at Bank of America in XX/XX/XXXX of this year. I was very up front about my income XXXX salary, bonus, cash, stock, etc. ) which did not change through the underwriting process. Over XXXX weeks with very limited communication from underwriting, XXXX assured me that I did not need to apply with another bank ( where I had been preapproved as well XXXX and that this was going to work out. The only reason I applied with Bank of America was the competitive rate and your assurances that the loan would close. 

In an email from XX/XX/XXXX, XXXX told me that she checked on Bank of America 's treatment of my bonus income and " we should be fine. '' When I called her to follow-up, she told me that she had spoken with the loan processor and even though the bonus was down in the most recent year, the underwriters would take an average of the last XXXX years and we would be fine. 

In actuality, she informed me on XX/XX/XXXX nearly a month later and just 10 days before close that the underwriter would not use an average and would actually not give me credit for any bonus at all even though I was preapproved, none of my information changed, and we had talked about the declining bonus specifically and she told me it would be OK. She also told me in the XX/XX/XXXX email that I had to pay off my car loan, which I did on her advice, but it was not necessary because Bank of America never made the mortgage loan. In the end, I nearly lost the house, and incured thousands of dollars in extra closing costs. 

Adding insult to injury, Bank of America charged me {$870.00} in fees on XX/XX/XXXX, which I do not believe is fair, as I would have never applied with Bank of America if I had not been preapproved by XX/XX/XXXX and assured along the way by her that Bank of America would be able to close my loan. 

I ca n't tell you how frustrated I am by this, not because I was not approved, but because I provided everything up front, was told it would work. I had other options, but I went with Bank of America as a customer given the preapproval and repeated assurances that things would work out. I almost lost the house and was charged fees by Bank of America for this disservice. 

I am asking that Bank of America reimburse the {$870.00} in fees I was charged, as I would not have applied with the bank if I was not preapproved and assured it would close. I asked XXXX by email to reverse the fees, but she told me that was not Bank of America 's policy. I emailed her XXXX XXXX twice to review the situation but never even received any response.
I have a loan with XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Per my credit report, it has been report my GM Financial auto loan # XXXX was charged off for bankruptcy. However, I never filed bankruptcy and have continued to make regular payments. My loan is not scheduled to mature in 2018. In reality, I have been paying more than my scheduled payments and have a balance of {$1700.00}.
XXXX/XXXX/15 We paid {$5000.00} to XXXX XXXX XXXX via out Citi Card Credit Card. 
XXXX/XXXX/15 Called Citi Card to dispute amount secondary to advised by our health insurance company we were not obligated for the full {$5000.00}. 
XXXX/XXXX/15 Received letter from Citi Card requesting we provide them the name of our insurance company, settlement date of claim, amount Insurance Company paid and our obligationXXXX/XXXX/15 Faxed over all requested items, stating our responsibility to XXXX XXXX XXXX was {$2600.00}, there leaving a credit due to us for overpayment of $ XXXX Received credit on credit card of {$1200.00} from XXXX XXXX XXXX Received letter from Citi Card asking if the {$1200.00} settled our dispute, replied back to letter via fax on XXXX/XXXX/15 stating no this did not settle our dispute as the total amount of dispute is {$2300.00} therefore we want to continue dispute for the additional $ XXXXCiti Card has had all information to process this dispute since XXXX/XXXX/15. There is still no remedy to this matter.
On XX/XX/XXXX, I received a call from XXXX XXXX with Radius Global Solutions. XXXX stated that he was attempting to collect a debt in the amount of {$660.00} that was incurred on XX/XX/XXXX ( 2.5 years ago ) at the office of XXXX XXXX. I asked who the creditor was and XXXX said it was XXXX. 

I advised XXXX that I previous sent XXXX a certified letter explaining that this alleged debt was from a XXXX XXXX performed at my son 's pediatrician 's office and not at XXXX. I further explained that even if the pediatrician 's office sent the XXXX to XXXX, XXXX was within our insurance network and tests were covered at 100 %. XXXX stated that his information showed that the {$660.00} was " patient responsibility '' according to info. in his system from " XXXX '' ( which he said was XXXX XXXX ). 

XXXX further stated that his company began collection on my date as of XX/XX/XXXX and that before then it was collected on by another company for six months but he did not know what company that was. 

XXXX said that this account could be reported to credit reporting agencies. I advised XXXX that I wanted him to validate the debt, for his company to cease calling me, and for the company to note that I dispute this debt should it be reported to a credit reporting agency. 

I do not owe this debt. First, I did not agree to have XXXX XXXX provide services to me and XXXX will find no agreement between XXXX XXXX and myself. I agreed to receive lab services from the lab in my son 's pediatrician 's office, which were covered at 100 % by my insurance company. Second, under my then-current BCBS insurance plan, all XXXX XXXX costs should have been paid at 100 %. Therefore, it is my assertion that this is AN ATTEMPT TO COLLECT A DEBT NOT OWED in violation of the Florida Collection Practices Act and the Fair Debt Collection Practices Act. 

I hope that you will be able to assist with resolving this matter. 

Thank you. 
XXXX XXXX
Banking employee agreed to aplly a fee reversal of {$99.00} and he didnt make a effort to finalize that credit and union bank has charge XXXX XXXX overdraft fees with no covered sercvice and banker said the computer wouldnt allow that fee credit of my XXXX dollars and hes was very treatning and scaring me and forcing closer on my account and takinng my banking account prevalige away and iam XXXX and on fed govert XXXX and ssplimental security state payment s and iam very shoke up after my visit to the XXXX branch my name is XXXX XXXX XX/XX/XXXX co joimt truttee payee account co/XXXX XXXX XX/XX/XXXX act # XXXX time with union bank since XX/XX/XXXX with cheking account and direct doposit co overdraft coverage and line of credit or fare treatmejt i was treated discrimated on my vitit i dont remember the guy banker employee name and i lost out on the XXXX. XXXX dolars wnen it was aproved by banking guy emplyee for fund credid XXXX and i still l need that XXXX please i was trated very porly i am a XXXX man i would like that monyey thqt the banker couldnt aplly plese call me XXXX XXXX XXXX and i hav e subm8ted a formal online telephone complaint on union bank customer support servises about last week with XXXX in the retail sales dept with union bank on XXXX complaint confirmation # is XXXX please fix this issue before i enforse my XXXX rights with XXXX dept fair banking with XXXX client XXXX attorny general .gov