WillisBack/dataset-financial-user-claim huggingface dataset:
I received two notificarions from credit card companies : XXXX XXXX ( XXXX WI XXXX ) Of a credit inquiry in XX/XX/XXXXvia XXXX XXXX And XXXX XXXX XXXX via XXXX on XX/XX/XXXX Needless to say I havent requested any of these credit cards. In fact, I have been in XXXX since XX/XX/XXXX ( until XX/XX/XXXX ), and I am from XXXX XXXX. 
Therefore, it is my understanding that someone is trying to steal my identity. 
Please address this ASAP.. I cant afford getting my credit score damage.
My husband and I have recently successfully completed our chapter XXXX bankruptcy. During the bankruptcy the company demanded large payments throughout the entire year of XXXX of a total sum of around {$44000.00} that has not been accounted for. Toward the end of our bankruptcy we received letters from the mortgage company who took over or bought or loan stating our current mortgage, escrow was substantially increased and they demanded payment and recently we received a certified letter dated XXXX XXXX, XXXX, that they have not received most of our payments for XXXX and a ( Notice of Default and Notice of Intent to Foreclose ) on our property. Our bankruptcy attorney reached out to the company and so did I, but the company would not return or respond to our concerns or answer any of our questions. The company is asking for a sum of {$13000.00} which continually fluctuate. The company also said they did not know of our chapter XXXX had been discharged, but a CERTIFICATE OF NOTICE was also sent to their location. I have a letter that I 'm going to forward to their office which their office would prefer me to fax. I asked if they had a physical address and the reply was no they are a call center. I have supporting documents to validate that their accounting is not accurate. My loan is a conventional fixed loan, so I do n't understand the increased amounts of our monthly payments ; increased principal balance we owe ; increased escrow account ; the company is refusing to accept conforming payments an imposing unreasonable charges, fees and other charges I do n't feel we are legally obligated too. Please investigate this case I will forward the supporting documents I have. 
Sincerely,
1. Date opened XX/XX/2014 a credit card for XXXX i wasnt with spouse as of XX/XX/2014 so i never signed for a credit card we stopped living together as of XX/XX/2014 No actions taking by no one due to i am just now getting collection calls n i looked at credit report and seen about of stuff i didnt authorize
XXXX XXXX XXXX is reporting that I currently owe them {$1600.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.
I received a court document ( memorandum of cost after judgement ( Case # involved ) in the mail under my first married last name ( XXXX ) from XXXX XXXX XXXX in the total amount of {$2200.00}. ( XXXX XXXX XXXX in XXXX XXXX, ca ). I went to my local courthouse to see if document was legitimate the court document looked fraudulently no signature or no date stamp from the courthouse. they told me that I had to contact the attorney on paper. I called Midland and spoke with XXXX XXXX ( i believe that was his name ) and asked what is going on. I was advised that a XXXXXXXX XXXX XXXX XXXX was open in my name and this an attempt to collect debit. I told him i never had a XXXX XXXX account this is fraud case and nothing is on my credit report he then changed his mind and said that Midland would send me a fraud packet to fill out. its been almost a week and no packet, i was not informed of what the bank location it is or when this even occurred no dates or anything showing Information or of any charges made, the man on the phone then stated they were gon na issue a wage garnishment. I told Midland I would Sue them if they came after my wages. I filed a Police Report with XXXX Co PD i have a tracking number. i also looked up the case online and found some of interesting stuff there is another female name I saw ( Proof of service of summons and complaint filed showing substituted service on XXXX XXXX, occupant,, mailed on XX/XX/13 ) I don't even know who this person they have a fake address on this document, but whoever has done this has my whole Identity. I will Prosecute to the fullest extent.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX, in their respective states if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information XXXX! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
I sent in Information to Dispute 2 creditors listed below : XXXX acct # XXXX XXXX acct # XXXX And did n't receive any information nor documentation that the Items were verified, but a letter from Transunion stating that the creditors will remain ion my report. I sent the same letter to XXXX and these Items were removed from my report. attached is a copy of my report.
I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date 42 days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.
Wells Fargo solicited an application for a Home Rebate credit card. The employee who solicited the additional business from us misrepresented the terms of the card. 

He clearly and repeatedly said that the card came with a {$0.00} balance transfer fee, and confirmed it in response to my written question. Here is a chronology of his contact with us. I have the complete records in my files. 

Wells Fargo credit card offer timeline XXXX XXXX, 2013 - Husband receives a call from employee in the XXXX office. [ We had never heard of him and had not been in contact with anyone about the matters he wanted to discuss. ] He reviews our current business and says he has a good offer that will save us money : Among an assortment of several other dubious offers, he said that we could transfer a portion of our HELOC to a new " Home Rebate Credit Card, '' for which we are prequalified because we are " such great customers. '' The credit card will be 0 % interest for 12 months. 

Husband says to call me ( wife ). 

XXXX XXXX, 2013 - After I turned down the other offers the employee offered a " Home Rebate Credit Card '' that will rebate a certain amount of cash against our home mortgage. The interest rate on the card would be 0 % for twelve months. I asked about the balance transfer fee. He said it is {$0.00}. 

He then asks about our retirement fund assets and proposes that we bring our statements in for a review. 

I ask to see the credit card terms in writing. He says he will email them. 

He sends an email requesting certain documentation for the credit card application ( which I donot send but he finds the information within Wells Fargo 's own records ) and including a credit card disclosure statement. The disclosure says that there is a balance transfer fee of 3 %. I emailed XXXX questioning the discrepancy between the {$0.00} fee he represented and the 3 % balance transfer fee in the disclosure statement. 

XXXX XXXX, 2013 - He emails back that the fee is {$0.00}, which he writes, " was in the offer and will be in the disclosures that are being mailed to you. '' I still did n't see the XXXX balance transfer fee in what he sent, but decided to wait and see what the disclosure that comes with the card will say. 

A week or so later - The card arrives. Not only is the balance transfer fee not {$0.00}, it is 4 % -- higher than the 3 % in the disclosure that was sent. I made several calls to Wells Fargo to inquire about the discrepancy and was informed that there were no 0 % balance transfer fee offers and that I must have misunderstood. 

In the end I made a huge fuss, wrote to the manager and cc 'd XXXX XXXX, among others and received " an exception '' to allow me a 0 % balance transfer. My problem was solved, but I wonder if similar misrepresentations were made to others.
Westlake Financial is charging me more than 17.99 % on a used car loan. The interest rate of 17.99 % is already to much that they charge daily. My note is XXXX a month that started last XXXX. I started by paying XXXX a month to pay it off quickly but starting the first payment they took nearly 300 in  interest, and it increased. I stopped paying that amount and started paying less and they took more of that for interest. It 's to high of interest vs. Legal limit in my state of Louisiana and their 's in California. I  have paid a total of just over 4010.00 on a XXXX loan and my off as of today is XXXX. That is more than unfair. It is usury, not to mention pathetic.
Good Evening, Hi my name is XXXX XXXX, I leased apartment # XXXX through XX/XX/2015-XX/XX/2015 at XXXX XXXX in XXXX , Texas . I tried to apply at XXXX XXXX in XXXX XXXX, Texas and was informed that I had a broken lease from XXXX XXXX XXXX after investigating this what I found out. 


I gave a 30 day notice to XXXX XXXX XXXX XXXX/XXXX/2015 after I gave my notice I looked into a XXXX bed room unit at XXXX XXXX XXXX and gave them a {$150.00} transfer fee XX/XX/XXXX, before my move out date XXXX/XXXX/2015 I contacted XXXX and informed XXXX ( manager ) that I can not move into the XXXX bedroom XXXX ( manager ) then advised me ( XXXX ) that I would not get my {$150.00} back if I decided that I did n't want the apartment. I moved out of my apartment XXXX/XXXX/2015 as I was supposed to do. XXXX XXXX XXXX is now telling me that I have a broken lease because I did not give them a second 30 day notice. XXXX XXXX XXXX kept my money like they stated but then charged me {$550.00} for Insufficient Notice. I do n't see the reason to give another 30 day notice. There is no way that could work because based off that 1st 30 day notice you all could actually lease that XXXX bed room. I never filled out a lease or anything for that XXXX bed room. At this point I do n't think I was supposed to be charged XXXX for Insufficient Notice, because I strongly believe it 's not right, especially if I never signed any documents stating on that XXXX bed room. 

I contacted the collection agency and they refuse to get the issue resolved correctly. The collection agency stated the collection is valid even though I have evidence showing that it is fraud.
I received a telephone call from First Recovery regarding a debt that they claiming I have attempted fraud on a financial institution. They are unwilling to provide proof of the debt and have said they will turn it over to their legal team to sue me. I attempted twice to obtain information from them and twice they hung up on me. All they will tell me is that it was a payday loan with a company that I have never heard of.
XXXX XXXX did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.
On XX/XX/2018 I sent out a dispute letter to Experian to validity and accuracy of your recent investigation of these bankruptcies that is reporting on my credit report. I ask them to explain how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called Experian XX/XX/2018 asking them to how they validate these accounts. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.
Chase took {$300.00} out of my checking account they said because of inactivity. I had no warning so I went to the bank in XXXX XXXX CO, they said the {$15000.00} had been inactive so they took out {$300.00}, I then close my account before they took out more of my money. 2017
I contacted the company but to no avail. They have failed to return my calls or emails. 

This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against.

The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I have no idea how these inquiries got onto my report. I was alerted by the  Experian app of inquiries that are not recognized on the report. I do recognize them and i want them off my report.
Westlake Financial Services financed our XXXX XXXX XXXX, in XX/XX/2017, I called Westlake and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/2017, my husband contacted Westlake Financial Services to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered Westlake placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most Westlake representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.
I am reaching out to you today in regards to a credit dispute I am trying to resolve with our Mortgage company, Bank of America. I have tried to resolve this issue directly with Bank of America, but both times I have received letters from the Bank of America customer service department that states that BOA has completed a review and they feel their records have confirmed the information they provided to the CRA is accurate. I do not feel that the information is accurate. In fact, I feel that Bank of America messed up on their end and they are not taking any accountability for the miscommunication that was given to us at all. I pride myself on having great credit. Since this incident occurred, I have hit so many roadblocks with my company, applying for loans, and now I have a senior who is going to need our help for college loans. It makes me so angry that loyal, XXXX, hard-working people do not have a voice with these large mortgage companies. Not once was I able to even talk to someone directly about it. I was told the people that make these decisions are in a back office company for Bank of America. They do not take emails or phone calls. I do not believe that someone who receives their paycheck directly from Bank of America, should be making all the credit decisions for Bank of America, especially when they are not taking any accountability for their own mishap and miscommunication. I am coming to you because I need a strong voice to hear my side and hopefully help me. I have a Fixed, 15 year conventional loan with Bank of America. This is our first mortgage. It is sit up with automatic withdraw each month so a payment is never missed. I had requested that our 2nd HEL through Bank of America would also be established this way. A representative told us that this is not a problem. Just fax in a " Letter of Authority '' and the loan number and approval to have this established. We did that. The fax was received, but the phone call of this representative telling us to do this and that it could be done, has disappeared. I also feel that, once this fax was received, we should have immediately received a phone call or email to tell us that this service was not available for the HEL. We had left to travel for the summer to return to two missed payments and our credit messed up.
On my TransUnion report there is a late payment being reported by XXXX XXXX XXXX XXXX for a car payment..this is incorrect..I have never missed a payment..I spoke with the bank and was told to contact TransUnion about this issue ... I believe there was some confusion when my car got paid off by my insurance and Gap insurance.. none the less I have never missed a payment and would like for this issue to be corrected.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.
Fidelity Visa recently transitioned from having FIA Card Services service their Fidelity-issued cards to having XXXX XXXX XXXX service their cards. The transition happened on XXXX XXXX. On XXXX XXXX, a payment was sent from my Bank of America account to FIA Card Services to pay off a balance and Fidelity can not find the money. FIA Card Services, which is affiliated with Bank of America, researched the payment and found it, but told me it will take five to seven business days to further research and to apply the payment to my outstanding balance. It is bad enough that a financial institution lost a payment. And even worse when they themselves acknowledge the payment was successfully processed that it takes almost two weeks for it to be applied to my card balance. There 's more : on XXXX XXXX, which was AFTER the transition, I initiated two additional payments via Fidelity 's automated " Pay Card Balance '' option which is right on the Fidelity website. The payments were not processed until XXXX XXXX -- well after the transition -- but Fidelity sent those payments to the wrong credit card processor -- their own no longer valid credit card processor. So Fidelity broke ties with FIA Card Services, notified their cardholders not to use the old cards, but continued, via an automated option, to send payments to the old processor. Those payments hit my account on XXXX XXXX and today, as of XXXX XXXX, Fidelity can not find those payments either. To add insult to injury, Fidelity has frozen my credit card. I tried to charge {$23.00} for gas and my card was denied. These are egregious errors that shake my confidence in Fidelity as a financial institution.
I called  XXXX  about an inquiry on   XXXX   and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.
Esperian Credit Reporting has continually reported false and negative information pertaining to a loan at XXXX XXXX XXXX XXXX California. They show wording s foreclosure started. XXXX XXXX XXXX which realized this was to be removed has put that in writing to CPB and Esperian to remove this from my record. This was a bad loan from the beginning as stated by The California Department Of Justice. The real issue is the failure to perform by Esperian.
I had a fraud alert placed on my Experian credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Experian several times to advise of my credit being pulled without my permission.
Have spoken to all 3 CB to have these inquiries removed *Vanderbilt MTG Finance XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to Vanderbilt on XX/XX/XXXX and Vanderbilt has sent nothing back to validate the inquiry. These inquiries were done without my permission.