WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a Fraud Alert with Equifax on around XX/XX/XXXX.
I have not heard back from them since then.
I did get a letter in the mail from XXXX on XX/XX/XXXX.
It is my understanding that if I have a Fraud Alert no one can open an account under my name unless they contact me.
Today, XX/XX/XXXX, I received and e-mail from from XXXX XXXX that XXXX XXXX/XXXX  and XXXX XXXX had run a Hard Inquiry on my credit. 
A few minutes later XXXX sent me a similar e-mail and called me on my cell phone. 

I call XXXX. They started an investigation in the Hard Inquiry.
A Hard Inquiry not only lower my Credit Score ; but, is also an  indicator of fraud. 

I filed and Identity Theft Report at www.ftc.gov. 
The FTC emailed me instructions to file a Fraud Alerts with the Credit Bureaus and later to contact the Fraud Department of XXXX XXXX and XXXX XXXX. 
so both companies could remove the Hard Inquiry off of my credit reports. 

I followed the FTC 's instruction and contacted XXXX the credit agency that conducted BOTH Hard Inquires. I filed an Initial Fraud Report with XXXX. 
They e-mailed me back quickly. 

I tried to file another Fraud Alert with Equifax today, and I received an ERROR MESSAGE. 
Something is WRONG with this Credit Bureau. 

I then called XXXX XXXX/XXXX, XXXX, Florida, XXXX at XXXX. 
After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

I then called XXXX XXXX, XXXX XXXX XXXX, Utah XXXX at XXXX After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
Again, I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

In summary, I need your assistance in ensuring that Equifax posts a Fraud Alert on my credit information. In my opinion, all government contracts should be pulled from this company IMMEDIATELY and an investigation on unfair business practices initiated. 

I also need you assistance in following up with BOTH XXXX XXXX and XXXX XXXX. I do not understand why BOTH are not interested in stopping identity fraud. 
I have a XXXX year old XXXX Veteran. It does not bother me to stay on the phone ONE HOUR to get things done. Hard working taxpayers do have the time to do this. 
The business practices of these two companies needs to be revised and changed. 

I do not understand why it will TAKE THEM 90 DAYS to fix my credit report. 
These two companies should also be investigated for unfair business practice. 
I appreciate you support. 

Very respectfully, XXXX XXXX, XXXX.
I deposited {$150.00} into a sole owner checking account and then they removed it from my joint account with my XXXX son. Huntington Bank ( XXXX supervisor ) filed a complaint internally with in the branch. I had purchased a money order which was lost. It returned to me via U.S. mail. I took the money order to the branch and they stated to deposit the money order. They then charged me {$10.00} for a return check fee. They reversed the {$10.00} fee but my {$150.00} is still missing.
I am contacting your agency in hopes you can help me with some charges on my Walmart Mastercard ( Synchrony credit card ). I would like to dispute all charges made by XXXX aka XXXX Web Stories LLC. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. Which I paid {$5000.00} on my Synchrony card. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized XXXX times and was sent to several XXXX and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done.These companies prey I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.
I have been attempting to save my home from foreclosure with a loan modification with Penny Mac Loan Services. They gave me a loan Modification in XXXX that was supposed to be for {$2100.00} per month per a phone conversation but was set at {$2700.00} and none of the Loan Amount and Past payments were reduced as also promised and I got no disclosure of what the Loan Amount was at all, just payment information only. I have been calling since XXXX to try to get a New Loan Modification set up with reduction in Loan Amount and Past Payments & fees by the guidelines of HAMP. Also my income and contributions from others has greatly increased.
all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
US COLLECTIONS WEST IN for XXXX XXXX XXXX account # XXXX. I disputed this account with us collections west I have called several time and spoken to XXXX regarding this account. When they sent me proof of the account they said I owed for a lease break with ( XXXX XXXX XXXX XXXX ) that XXXX XXXX XXXX took over at XXXX XXXX XXXX XXXX, XXXX AZ. I lived at that property for 2 years with a lease agreement of 1 year that I completed and emailed my 30 day notice to XXXX at XXXX XXXX XXXX and she is no longer at that company because it was sold. XXXX and her supervisor went of agreement and agreed that I completed my lease and XXXX XXXX XXXX sent me to collections for a lease agreement I completed with XXXX XXXX XXXX XXXX I never signed any agreement with XXXX XXXX XXXX and I completed my lease agreement with XXXX XXXX XXXX XXXX I have asked for this damaging collection to be removed from my credit report and they refuse and are still calling me to collect money when they already know its a wrongful collection and should have never been placed on my credit report. I have voicemails on my phone saved from XXXX and the agreement shows that dates that I completed with in the lease agreement and this collection is wrongful.
Booked a travel ticket with XXXX XXXX. Immediately canceled the ticket and never travelled with provider. Was never issued a refund. Initiated charged back which was then rebilled.
This happened during the night of XX/XX/2018 on the website store of XXXX XXXX XXXX/ So I tried to purchase the XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX using the XXXX code to knock off 40 % from the full price of {$390.00} down to {$230.00}. At the shopping bag page, there was a promo advertising that if I opened a XXXX XXXX credit card that another 25 % off would be applied to the purchase, bringing down the final price lower to {$170.00}. So I opened a XXXX XXXX credit card account, and took the subsequent credit score hit from the inquiry. 

Once I tried to checkout though, the 25 % promo would not apply. So I called their customer service line and I was informed that, even though it was clearly advertised on their website in the shopping bag before checkout, that they would not honor this promo. 

I am attaching a screenshot of the shopping bag page that was shown to me during my transaction. Please forgive the added text for emphasis as this is the same screenshot I sent them via email to emphasize their misleading promotion.
To Whom It May Concern : I have had correspondence with Wells Fargo over several letters and phone calls regarding account # # # # # # # # and the illegality of the foreclosure that occurred in XXXX. Again, this foreclosure was preventable, but Wells Fargo did everything in their power to make it unavoidable. The latest correspondence from Wells Fargo indicates that they offered a viable solution for us to stay in our home, but this is simply not true. The only modification we were offered on our home mortgage was for a temporary modification of $ XXXX/mo reduction of our mortgage. This was not a sustainable option and was only temporary. 

When we called Wells Fargo originally to discuss modification options, we were told we should not pay any amount of our mortgage in order to qualify for the HAMP modification. We were told to send many different sets of paperwork to Wells Fargo via fax. We sent all this paperwork in several times over and told almost every time that the paperwork was not received or was lost. Departments did not communicate with each other, so one person would not know what the last person had said or seen from us. We even sent things via mail because we were told so many times the faxes were not received or lost. We were told that Wells Fargo Home Mortgage could not communicate with Wells Fargo Home Equity so a combined decision on a loan modification was  impossible. 

Most recently, in the last letter received, Wells Fargo Home Mortgage indicated that the home equity loan was written off in XXXX. Unfortunately, we were not informed of this and continued to receive bills by mail for this loan. If we had known we could have only paid the home mortgage loan we could have afforded to stay in our home. 

Additionally, we qualified for a HAMP loan modification, but recently were told by Wells Fargo that they did not receive the required paperwork for this modification. We did send any and all paperwork we were asked to fill out and send because we were eager to stay in our home. We are so dismayed at the deceitful actions taken by Wells Fargo and have experienced a windfall of negative consequences due to this foreclosure that was preventable, but was forced upon us by Wells Fargos inability or their unwillingness to help our family stay in the home. 

Wells Fargo refuses to admit negligence in this matter and continues to ask us to provide evidence. Wells Fargo has evidence in their recorded calls and correspondence with us regarding the way they handled the matter. Faxes were lost, we were not informed in a timely manner, they did not want to help us stay in our home because we were paying Private Mortgage Insurance which  protected them from consequences of foreclosure, yet did not protect us as the homeowners.
What happened?   I dispute these Item NEGATIVE ACCOUNTS :  XXXX   XXXX   XXXX  : Account  XXXX  Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted.    XXXX   XXXX   XXXX  : Account  XXXX  Amount {$5000.00} I was never late on this Account :  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 60 days :  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 60 days.  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days and please remove all data of these late payment must be deleted Experian. Experian did not compile with the  State Attorney  General  Settlement Agreement and 609.  Disclosures to consume rs [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ],   clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 )   ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or   causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the  consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

RespectfullyXXXX XXXX XXXX XXXX
A XXXX door-to-door salesperson was attempting to sell me XXXX services. At first I agreed until I researched the circumstances on my phone and found there were some cases of fraud in a similar situation in my area. The sales representative called an individual on the phone who asked for my social security number in order to do a credit inquiry and I said no. The lady on the phone then said she could look up my 'secret questions ' to confirm my identity for a credit inquiry. I was placed on hold for several minutes and the phone hung up. At that point, I refused the service. I never game my SSN, and I never answered any secret questions for my XXXX account. I was alerted to a change on my credit report today ( 2 days later ) where XXXX had performed a hard inquiry.
XXXX XXXX XXXX XXXX XXXX XXXX/Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citicards/citibank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Citicard/Citibank. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citicards/Citibank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Hello I have a auto loan with T/D AUTO FINANCE THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX/ THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS
I received an alert from XXXX XXXX that there was a " Hard Inquiry '' on my credit report. There was a hard inquiry on XX/XX/2015 and XX/XX/2015 from XXXX XXXX. I contacted them and stated that I did not apply for any credit, do not have any accounts ( past or current ) with XXXX, and did not authorize XXXX to pull my credit. I was told they could not find an account and to send an email through XXXXXXXXXXXX. This is not a valid link. I would like XXXX to remove the XXXX hard inquiries from my credit report and inform me as to why they pulled my credit report to ensure I am not a victim of ID theft.
I was told I could change the date of my loan payment after the first payment was made so I called the agent as I was directed to and I set it up with a woman sadly to say I do n't remember her name but I 'm sure they would have some kind of record of it I told them I want to move my pay date to the XXXX and unfortunately that did not happen I 've been having problems with this loan company credit union since I bought the car they do n't have my right birthdate my maiden mother 's maiden name is wrong it 's been a complete nightmare so thinking I 'm making my payments on time with the 10-day grace. Actually it looks like I was late on my payments that is ridiculous and I 've talked to several people at the Golden 1 and last time I talked to somebody they said they took care of it obviously not because my credit score drop drastically. Also I had an incident with the water company where my mail was stolen and I had no idea that the bill was due super busy and it 's the last thing I even ever expected the previous tenants went down to the post office and put some kind of vacation hold on our mail and of course being very busy it just weeks went by and sadly to say I was n't keeping track and she was collecting our mail so again another late charge
I sent a debt validation to the collection company ( Diversified Consultant 's ) on XXXX/XXXX/2015 The company received the debt validation on XXXX/XXXX/2015. The company still has not responded to the debt validation received well over 3 months ago. The company still continues to update to the all XXXX credit reporting companies.
On XXXX XXXX,2017 I sent XXXX, Equifax, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX,2017 from XXXX, Equifax XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX
I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. NationStar paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either. I need this information corrected on my reports immediately.
i have receive a bill on XX/XX/XXXX stateting that i own money to the collection company EOS CCA reference off a XXXX account that i never open in my life and i never had a XXXX account before. 
In XX/XX/XXXX this collection company report this account to the 3 credit company and it damage my credit, i quickly disputed this negative item on my report and it was deleted because this is my believe is a false account or some one stole my information and created this false account.