WillisBack/dataset-financial-user-claim huggingface dataset:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
LVNV Funding LLC has listed a {$820.00} collection to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report. They failed to do that, sending me the letter on XXXX XXXX 2017,  without my signature on it, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. They have also put a wrong name, since my name is XXXX XXXX XXXX and they are reporting XXXX XXXX which is not my name and it is not my debt.
i found the a have a debt in my credit report i never not once received any letters about this debt, the debt is from a rental property i left without a walk out inspection.Now i have call the collection agency multiple time and ask them to please send me a statement like that i can mail my payment, the told me the send it in the mail on XXXX/XXXX/16, today is XXXX/XXXX/16 and i never got anything in the mail, the keep telling me i can use my debt card or bank account to pay i explained to them i did not want to do that, i am willing to pay but the refused to send me a statement for me to be able to mail the payment how can i make them send me the statement
On XXXX/XXXX/16 and XXXX/XXXX/16 I received phone calls from Barclays XXXX XXXX Master Card reporting charges to my account which I declared as fraudulent. On both cases new cards were issued and an investigation supposedly took place. On XXXX XXXX I received two letters declaring those purchases as valid. When I called to inquire why, I was told that " the cards had a chip which rendered them incapable of being copied ''. Never mind the magnetic strip on the card. I requested disputed forms which I filled out and return along with explanatory letters of what I had been enduring from other credit cards and my belief that I had been scanned because I only used the card once for a minor purchase with the State of Florida. Now they have obviously ignored all the explanations and are harassing my phones with calls from different numbers. Probably my credit will be impacted as well, even though I had nothing to do with those purchases. Even when I ask to see the signatures and videos on the purchases, the clerk I spoke to said that " it did not matter. ''
On XX/XX/XXXX I received a warrent of debt letter when trying to call the lawyer I was connected to the debt collector they are impersonating a law firm the debt collector is XXXX XXXX XXXX this account has already been charged off
I have made two bill payments for {$3900.00} to XXXX XXXX, and they were not completed. MoneyGram issued refunds for the transactions, but when trying to process them at the register, it gives an error and will no process. MoneyGram is holding my money and will not give it back.
I have received and successfully completed a trial loan modification with my servicer, Wells Fargo Home Mortgage/ASC. Wells Fargo now requires an arbitrary and highly unusual condition in order for me to obtain a permanent modification. Wells Fargo had made the out-of-ordinary demand that I obtain a subordination agreement from the existing XXXX mortgage lien holder. Prior to this unusual requirement, Wells Fargo demanded I obtain a lien release. I was working on the XXXX requirement for the lien release and suddenly the XXXX requirement for a subordination agreement was presented to me. The XXXX requirement came with a deadline - end-of -month XXXX 2015. Failure to provide this unusual requirement will cause Wells Fargo to declare an unjustified default. Wells Fargo is in XXXX lien position and the modification has not changed that. Wells Fargo demanded this arbitrary condition because they prefer to profit from foreclosure. I should be able to provide the necessary items to obtain the subordination agreement but because of the manner in which this demand was made, more time is needed. Wells Fargo is treating me differently compared to almost all other borrowers who have obtained a loan modification.
there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX Transunion XXXX XXXX XXXX XXXX 3 times XXXX 2 times network crs XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information
This vehicle loan was closed as paid in full as the original loan was transferred to another party. I was the co signed on this account. 

XXXX XXXX continued to report this loan/account as late payment/missed payment to the three major credit bureaus and has since caused major decreases in my credit score. 

XXXX XXXX provides documentation stating that the loan was not in my name at the time they were incorrectly reporting it as late.
ACS ( XXXX XXXX ) is intentionally and fraudulently misreporting information on my credit reports. In XX/XX/XXXX, I noticed that late payments were reporting on a CLOSED account that had an account status of PAID AS AGREED. Those late payments were negatively impacting my credit score so I wanted them investigated. 
It should also be noted, this account has been reporting as PAID and CLOSED since XX/XX/XXXX. 
In XX/XX/XXXX, the result of the dispute was verified AND the ACCOUNT STATUS was fraudulently changed from PAID AS AGREED to PAYS 60-90 days late? How can a PAID AND CLOSED account status be changed to PAYS 60-90 days late, 5 years after the account was closed? 
I initially filed a complaint against XXXX XXXX because I had no idea who ACS was? XXXX XXXX, in fact, confirmed that they never reported ANY account delinquencies to the credit bureaus regarding ANY of MY ACCOUNTS ; supporting documentation attached. However, the account continued to report PAYS 60-90 DAYS LATE so I decided to do additional research on ACS. 
According to XXXX, ACS took over accounts from XXXX XXXX in XX/XX/XXXX which was 3 years AFTER my account was PAID and CLOSED so how could they " verify '' or CHANGE my ACCOUNT STATUS from PAID AS AGREED to PAYS 60-90 DAYS Late? 
This does not make sense therefore I am filing a CFPB complaint against ACS for fraudulent misreporting to the credit bureaus that is NOT in compliance with the METRO 2 Reporting Guidelines and a direct violation of the Federal Credit Reporting Act.
Company continuously call me everyday, 4 times a day, trying to collect a debt that has been discharged in  bankruptcy. I have asked them to stop contacting me and referred them to my lawyer, but they continue to call!
Extended overdraft fees. Bank of America has been sued before for doing such things but still charge these fees to customers.
I believe that I as victim of a scam regarding this payday loan. Multiple threatening calls were made to myself and multiple members of my family including my ex husband from 20 years ago. Arrest was threatened along with a law suit. The name of the personsI spoke with are XXXX XXXX and XXXX XXXX ( not sure of the spelling ) and the comany name supposedly XXXX XXXX ( XXXX? ) XXXX XXXX. at phone no XXXX. I was asked to provide bank account or credit card information but purchased a pre paid credit card only. The money has been debited to the card as soon as the information was provided.
I will attach all my correspondences with United Resource Systems , Inc whom I allegedly owe {$4800.00} to. As you will see, I have offered on numerous occasions to settle the amount allegedly owed in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. On every occasion, they have either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially at XXXX hours on XX/XX/2018. You will see that their company attempted to communicate with me via telecommunications during the dispute process. You will also see that after time has expired to exercise equity in redemption, they post dated a response to fall within the time frame, forgetting or failing to realize that the electronic delivery method leaves a time stamp.
It is time for me to recertify my Income Driven Repayment plan for my student loans. I submitted my request on XX/XX/2018 and I was told I would receive a follow up email a month ago, each day the due date keeps getting pushed back. Now I am supposed to receive email on XX/XX/2018. I haven't received an email. I've asked them what is going on, and haven't received a reply. 

Please help. Thank you.
Walmart was advertising a {$25.00} credit on a new card account if the customer bought so much in merchandise. The promotion read something like, " Open an account today and get a {$25.00} credit when you purchase {$50.00} or more. ". As it turns out the customer only gets the {$25.00} if he makes the purchase that same day. If I had known that I would have waited until I was ready to buy. After XXXX statements and about {$1000.00} spent, I contact Walmart to ask where my credit is and I get the " gotcha '' news.
I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is emporium and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete it immediately.
Since I am selling my house, I requested the payoff letter to the lender ( Astoria Bank ) several times. The lender sent me the letter but it did not indicate the payoff amount clearly for XXXX recapture loans that were filed by the lender. So I asked to indicate them on the letter and also asked the details of how the lender came up the amount for XXXX recapture loans. The representative could not explain the details and kept saying the lender do not have the record of XXXX of recapture loans. Also, she did not let me talk to the person who has better understanding of this. She told me that she will note it on my file and it will take another 14 days for further investigation which I requested almost a month ago. If I do n't receive the payoff letter within 24 hours, I have to postpone the closing or I may lose the buyer. then, I also may lose my down payment of new house. The lender will ruin my life. Please help me.
Equifax held my financial data without my consent. They now say it was taken in the recent massive data breach.
This debt collector XXXX XXXX XXXX, XXXX keep harassing me by telephone every other day by having different people to call me about a XXXX bill that was not settled back in XX/XX/2012. I inform the creditor then that I was not responsible for them given an authorization regarding this account to another person, therefore I could not afford to pay the debt then or now. I am XXXX years old XXXX on a fixed income. I barely can pay my rent, buy my meds and food with what I have in income. I could not possibly give them over a thousand dollars not ever. But these different people from XXXX keep calling asking personal questions, refuse to stop calling me after I tell them not too! It is harassment ; disrespectful and it upsets me with my current medical condition. I have ask them to stop and have blocked their number, but somehow they keep calling and even have tried to send me mail. I will not respond to their threats and offers of solutions because I can not afford to pay for someone else 's mistake on this very old account with XXXX.
This complaint is a response in regards to a correspondence received from RISE ( dated XXXX/XXXX/XXXX, received XXXX/XXXX/XXXX ) in regards to an alleged debt. I received a correspondence from RISE requesting a photo ID and Notarized ID Theft Affidavit. I am not certain what prompted RISE to contact me with this request, but there is a CLOSED account ( truncated number on report XXXX ) listed on my credit file ( s ) that I recently disputed that states this item/account was closed on XXXX XXXX, XXXX as a paid in full charge off. If RISE is claiming that there is an outstanding debt to collect ; the debt will need to be verified. I agree to discharge any debt that can be properly and lawfully verified. What is specifically being requested as valid verification of the alleged debt is numbered and listed below. 1. A legally binding contract signed by both parties, which would include myself ( XXXX XXXX ) and an authorized representative ( an actual living human being ) of RISE which would reflect that two living people actually had an understanding amongst each other and made a binding agreement ( contract ). To be clear ; the wet ink signature document is being requested and is the only acceptable document. Copies of documents can be forged so a copy of a document may possibly be a forgery, therefore I will not accept any document as valid except for the wet ink signature document or a notarized affidavit that confirms that the original wet ink signature document is in possession and can readily be produced in case this issue has to go through a litigious process.
2. If there was an actual loan provided by RISE and there is actually a valid debt that can be verified, I am also requesting the actual accounting that reflects that RISE or any other relevant party actually loaned their own pre-existing money or assets ( including money or assets the Bank may have sourced from another institution )?
3. If RISE is unable to produce any of the above requested items, this alleged debt has not been lawfully verified. If RISE declines to properly address the above mentioned requests and ignores this correspondence completely or the questions posed in this correspondence, their ( RISE ) SILENCE IS AQUIESSENCE and this will in fact reflect that RISE is in agreement that a loan was never provided and that there is no lawfully binding contract that reflects a loan was provided, therefore RISE must cease and desist any further collection activities and also cease and desist reporting to the credit bureau ( s ). Any correspondence that is sent by RISE also needs to be signed by an authorized representative of RISE to be valid. Any correspondence that is not signed by an actual living human which may state something like Sincerely, RISE, Thank you, RISE or, Yours Truly, RISE etc ... is unacceptable. RISE is a CORPORATION and not a living human being, so RISE can not send nor sign documents, this can only be accomplished by and through living human beings, so the only acceptable correspondences sent by RISE must be signed by an actual authorized representative ( living human being ) of the CORPORATION known as RISE.
I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXXbecause of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran of this country! You can't report both loans! Thgis is Fraud!!!!!
I applied for my free credit report on XX/XX/2016 but never received it from Equifax
On XX/XX/XXXX I took advantage of a balance transfer option with one of there checks. They then charged me the balance transfer fee and also interest on top of it. Resulting in me losing {$1300.00} in fees and interest. Bank of America said that the check wasnt supposed to be written out to me for deposit but it didnt state that anywhere and the check in front states to deposit or cash and I did just that. When I tried to get this resolved they said I wouldnt get any refund since I used the check wrong, when I asked for evidence of the legal terms they refused to provide it. Then the crazy thing is that they send me another check offer and it doesnt state not to deposit for myself anywhere.
While on board a US Airways flight on XXXX/XXXX/XXXX, I received an offer from US Airways representatives on board the flight for a MasterCard. They provided me with the attached flyer that describes the benefits of the card and stated that we would receive these valuable benefits if we applied for the card while on board the flight. My wife and I each applied for separate cards during the flight and tendered the applications to the US Airways representatives. We each received separate cards in XXXX XXXX ( The annual fee of {$89.00} was billed on my account on XXXX/XXXX/XXXX and on my wife 's card on XXXX/XXXX/XXXX. The attached flyer provided by the airline references benefits of the card that include : - {$99.00} companion certificate. The application states '' Every year you will receive a companion certificate that allows up to XXXX guest to travel for {$99.00} each, plus taxes and fees ... '' - Complimentary US Airways Club day pass -First Class Check in and Zone XXXX boarding. 
-first checked bag free for me and up to XXXX travel companions I received the companion certificates and other described benefits for my first card year, commencing XXXX/XXXX/XXXX, as did my wife. According to the brochure, we are to receive the companion certificates on the anniversary date for each card. I was charged another annual fee of {$89.00} on XXXX/XXXX/XXXX. I contacted US Airways BarclayCard tody to request my companion certificates and other benefits for XX/XX/XXXX and I was informed that they have changed the program and these benefits are no longer available. I received no notice that the benefits were changing prior to being charged the annual fee. This is a classic bait and switch scam.The value of ( XXXX ) companion tickets in the US can be as much as {$1000.00} per ticket or more, depending on dates of travel. I request that US Airways honor the benefits that we were promised to my wife and I for our respective credit card accounts.
Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.
Bayview loan servicing and their foreclosing firm, XXXX XXXX has wrongfully collected funds from the sale of my foreclosed house. Bayview billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, Bayview billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, XXXX XXXX. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by Bayview for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

XXXX XXXX also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by XXXX XXXX is unfair under FDCPA and I do not agree.
I request to dispute the payment late for XXXX days that has been appearedIn my credit score information. I have some reason why I late to pay. 
The reason is when I got accident my insurance company said thatThey will pay off my car so I delay my payment. 

The XXXX reason are I have already pay for the insurance full coverage withXXXX XXXX but my lenders which is BECU still charged me for full coverages insurance. 
In that time I need to pay XXXX for the insurance. After I talked to themThey said that they will reduce my monthly payment but the monthly paymentStill in the same amount. Then I delay again my payment. 

Thanks for ur attention. I ll wait for ur best resolution and suggestionBecause this case has already ruined my credit score so much.
in XXXX 2017 it was revealed that Equifax had been hacked almost six months prior to the date of the public revelation of the leak. My personal credit information was included within the leak, but I was not contact or made aware of this leak until long after the leak had occurred.