WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I checked my credit reports online. I found that USBank had done a soft inquiry on XX/XX/XXXX and XX/XX/XXXX. I have reason to believe that a  specific branch manager has checked into my accounts to see our " assets '' value. After speaking with my local branch manager, I called the XXXX number as advised. After an hour of being passed from one department to another I was told that they had no way of checking this or any way to see if my information was checked. I then contacted XXXX XXXX XXXX, Execuitve Director of credit disputes, by mail on XX/XX/XXXX about these inquiries. XX/XX/XXXX I received a letter regarding an inquiry on XX/XX/XXXX, which I was not concerned with, but nothing about the XX/XX/XXXX dates.

XX/XX/XXXX I sent a letter to USBANK Bureau Inquiry requesting the reasons for the XX/XX/XXXX inquiries and have had no response. I included copies of my credit reports in these mailings. 
I do understand that a soft inquiry does not effect my credit score. This would be a case of security and privacy breaches. Please advise.
I opened my account around XX/XX/2018 on Citibank branch, There is a promotion : 1. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
2. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
3. Get {$400.00} deposited to your account I meet the requirements but didn't receive any bonuses, I called citibank, they say they can't see this promotion on my account thus couldn't verify it.
I am a consumer with us bancorp and I was trying to activate my VISA debt card  though XXXX XXXX  and what I was hearing from every rep on the phone they are allowed to activate their cards though email and text but as for me I am being treated unfairly how I do my debt card activation and putting a verbal password on my account so no ONE like a fraudster won't access my account though my personal information and getting my statements on my email when I get like my paycheck and what is my breakdown for the mouth but US Bank refuse to send my activation code to activate my VISA card though email refuse me to get my statements and refuse me to put a verbal password on my account for security and refuse me to access my account online on my XXXX XXXX to see what my account number is and I am not happy how us bank treat me as a consumer who does not know what I am doing on my account.
I have not received an accurate statement noting an accurate minimum monthly payment since XXXX XXXX 2017. I was informed by a CSR that the amount was for XXXX. As a result I began making monthly payments in the amount of XXXX on an ad-hoc basis using citi bank's web payment portal. I noticed once receiving my XX/XX/XXXX statement that it inaccurately notes the minimum payment to equals the total outstanding balance on the account (~XXXX). I called citi customer service to report my concerns around the integrity and accuracy of my statement and they verbally informed me of my monthly payment (< XXXX). I did this on a monthly basis as my statements continued to be inaccurate, an I continued to be advised that the error will be resolved and that the minimum payment is not equal to the outstanding balance; I've yet to receive an accurate statement to date. On XXXX XXXX 2017 I setup recurring payments via the citi online payment portal in the amount of XXXX. Based on the information verbally furnished by Citi, I was under the impression the amount was greater than the minimum monthly payment due. Unfortunately for me the issue was not resolved by citi and as a result the entire outstanding balance (~XXXX  around XX/XX/XXXX) was deducted automatically, in an unauthorized fashion, by Citi Bank. I was under the impression that the amount of XXXX I authorized would be automatically deducted and not the entire outstanding balance; I brought to their attention numerous times that my account records have data integrity and accuracy issues and which I thought were resolved. As a result, I was not prepared to make a payment in that amount (XXXX) causing a series of cascading overdrafts resulting in a material financial impact to me and my credit. I incurred over $500 in fees and spent approx 10 hours trying to rectify the situation and seek remedy. To add insult to injury, Citi levied a return check fee on the payment. Also, the claimed the payment was submitted as a physical check when it was an ACH autopay pull per my Bank (XXXX XXXX). They continue to tell me to cancel the auto pay, make one off payment, call in monthly to obtain the minimum due to service the account and that they cannot correct the inaccurate records associated with citi diamond preferred account. I view this incident as an authorized money transfer or ACH transaction. I did not provide authorization and Citi has stated their records are in accurate; This is captured on a recorded line.

As of X/XX/17 @ XXXX XXXX  the issue remains unresolved and I am not aware when the issues with be addressed and when I will receive an accurate statement noting the mimimum payment due to service the account to keep it current. CSR rep stated this afternoon that it appears the is an issues regarding record integrity and they do not know why the XXXX was pulled from account and that it was likely an error and unauthorized. 

I am not sure how I seek remedy other than through litigation.
i bought a house in XXXX XXXX thru XXXX with pmi to be canceled in 5 yrs. citi group took it over in XXXX of XXXX 3 weeks after I bought appraisal was {$420000.00} I paid {$330000.00} and borrowed {$290000.00}, citi jerked us around playing with escrow for three years its fixed XXXX. for 30 years. I reached my 80 % to original purchase price several months ago I now owe {$260000.00} I asked a year ago for pmi cancellation was told they would keep it on the entire length of the loan. XXXX XXXX automatic payment had a typo they called us we corrected it immediately I asked again for cancellation they said they were going to show XXXX XXXX late and I couldnot cancel if they had of honored ambro my original loaners XXXX part of the citi group XXXX it would have cancelled in XXXX of XXXX ive not been late in the entire loan time and would like to get pmi cancelled they are playing very dirty they said now it would be home value as of today not the original loan price can you help? ive paid pmi since XXXX XXXX never late they said they seen the typo and would not show it late because we sent in that day the required amount help please. thank you XXXX
I am trying to fight through roadblocks put up by my mortgage lender XXXX XXXX XXXX. They took over my loan from XXXX and have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. They recently claimed that they had reviewed my financial information but stated I was denied because my monthly income is only {$1400.00}. That is not even CLOSE to accurate. I receive pension as well as XXXX and it is over {$2000.00} per month. It seems that Rushmore is just making an excuse to foreclose as they have set a sale date for XXXX XXXX. I have lived here since XXXX and XXXX XXXX  XXXXXXXX XXXX for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as permanently XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. 

I needed to take some cash out and was steered/duped into a predatory high interest rate ARM loan by XXXX. When I realized what was happening at the signing table I objected but they told me not to worry, I could always refinance into a fixed rate loan later. It wasnt long after that property values tanked because of the recession and the hope of refinancing was gone. As my payment adjusted up I struggled and tried to get XXXX to help me at that time. They did offer me a modification, but it was a temporary fix, and after a few months my payment became higher than it was BEFORE the loan modification. XXXX was difficult to deal with and it is not surprising that they were fined and sanctioned by the Department of Justice for unethical foreclosure practices. When XXXX went out of business they sold my loan to Rushmore for pennies on the dollar and I feel that Rushmore is obligated to work with me to put a plan together so that I can save my home ; I was duped by XXXX at origination and then put into a modification that they said would lower my payment but they told me it was permanent and six months later the payment was higher than it had originally been! I cant afford my payment, it is close to half of my monthly income and I am significantly underwater and need help because Rushmore is ignoring me and trying to auction off my home!
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F )  otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

The following inquiries are unauthorized : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
I am trying to retain ownership of my condominium through a modification process. I applied for a modification with Ocwen in XXXX XXXX On XXXX XXXX XXXX I was informed via telephone that my modification had been approved. Ocwen has their loans serviced in XXXX. My relationship manager has a very thick accent and I am unable to understand what they are offering me. I have called back several times and received different responses from different individuals all of whom were nearly impossible to understand. I have requested numerous times that my call be transferred stateside to the US and it is virtually impossible to get them to comply with my request. The language barrier and comprehension of my questions/concerns are proving too difficult to understand my legal obligations. On XXXX XXXX XXXX I spoke with XXXX ( ID # XXXX ) and he informed me that the modification was temporary. My payment was dropped from {$490.00} to {$340.00}. I inquired about the details of the permanent modification and they refused to give me any details in writing about it. I asked for it via email and US Mail and was told that it was not possible. I have numerous questions regarding the terms of my temporary modification and what is likely to be on the permanent modification. I am very hesitant to sign the temporary modification because I feel that the deal is too good to be true. Additionally, I need for my relationship manager to be located in the US. A mortgage is a long-term commitment and binding legal document that I want to be sure that I understand everything before I sign on the dotted line.
XXXX   XXXX  card : I am putting my complaint first and the wording from  XXXX   XXXX   XXXX  . The whole miles program is a scam that needs to be STOPPED. They do not count miles or even care how long your flight is. They giv e 1-7 CENTS for every dollar charged,    but usually 1c.
Example from below- 30,000 mil  es ( the earth is  XXXX  miles around ) should give you a ticket around the globe right? Nope its {$300.00}.     How is this not intentionally misleading? Classic bait and switch meant intentionally to mislead with an image   of one thing while saying something completely false.
I have no hope that our corrupt " Protection Bureau '' will do anything but bury this since they had to approve it in the first place, but it is wrong   ; and a lie ; and should be illegal.   Maybe this will get posted someplace and it will help someone out.     Bogus offer below- Welcome Bonus Offer : Earn  XXXX  bonus miles after spending {$1000.00} in eligible purchases on your new Card in the first 3 months2 Plus, earn a {$50.00} statement credit after you make   a Delta purchase with your new Card in the first 3 months3 Pile up the miles : Earn up to 7 miles per dollar spent on Delta flights purchased directly with Delta on your Card- that 's 2 miles with your Card and up to 5 additional miles4 as a SkyMiles member.
Earn 1 mile for every eligible dollar spent on purchases with no mileage cap 5 Earn    unlimited miles miles do n't expire!
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX
I am currently making payments to Automobile Acceptance Corporation. After falling 31 days behind on my payments the unit was placed out for repo. Prior to this occurring their represents called my phone 3 times a day even after I told them when I would be able to make my payment. They even sent emails to a family member regarding my loan They called after I made arrangements. They also contacted my relatives everyday. After the vehicle was place out for repo, a representative contacted my cousin and refused to identify himself. He made threatening statements which included that Automobile Acceptance Corporation is seeking a warrant for my arrest. They disclosed my personal information withour verify who she really was and threaten to take me to jail over a debt. I contacted Automobile acceptance and the rep refused to let me speak with a supervisor. They kept transferring me to the repo department which never answered the phone. The line would go straight to a voicemail. I called back and advised the rep that I just needed my account number to make a payment. I was told that they could not give me teh account number unless I spoke with someone in the repo department ( whom never picked up the phone ). I am filing a complaint for disclosing my personal information, making threats to jail me for a debt and refusing to allow me to make a payment.
Citibank had requested some XXXX documents earlier this year. I provided all the information requested. XX/XX/2019 Citibank called and sent email to confirm receiving the information. Despite confirming receipt of information, Citibank froze my account around XX/XX/19 resulting in check payments to be returned to payees. Citibank has since reinstated my account. However, Citibank will not provide a reason in writing why my account was blocked in the first place. On contacting Citibank Customer Care via their email system, I am asked to call a Citibank number XXXX. I did that which takes me to their general menu with no option to speak to a customer service rep. I sent a second email via their internal contact email but still get the same response - call this number.
I had an overdrawn account I paid all the fees after my account was closed. Years later it shows back up that I owe Bank of America and I am on several checking accounts for organizations and it had to be cleared. So I was told by bank officer that it doesn't show paid so I paid again to clear my name {$380.00} the bank ripped me off.
Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) Based on the regulations above Equifax, LLC has yet to provide evidence of a credit application nor have they shown evidence in which these inquiries were used as apart of an employment application. Therefore, permissible purpose does not exist. These inquiries should be removed immediately. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XX/XX/XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.
XXXX XXXX XXXX reported incorrect information on my credit report. Reported it as surrendered and late payment. This is not True. I call them and they said they did not do it but Experian said they had too. 

I have documents showing that I have never miss a payment and that the loan is still open
I was called and a voicemail was left stating it was an attempt to collect a debt. I returned the call and someone verified they had no information regarding my phone number. This was a scam attempt and the company should be looked into. The phone number originated from XXXX but the callback number provided in the voicemail was XXXX. I requested to be removed from their call list, but could not confirm that actually took place.
This item is past the statute of limitations and inaccurate, remove XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}
For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXXand the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXXand I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
On XX/XX/XXXX, I filed a dispute with Equifax for erroneous information being furnished on my credit file by Equifax. I disputed the following erroneous items.. XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX . I called Equifax on XX/XX/XXXX, 31 days after those items were place in dispute to check the status. I was told by a Customer Service Rep and by a Customer Service Supervisor name XXXX that the disputed items came back verified. I was never notified of the decision. I ask XXXX what was the method of verification, he refused to give me that information so I ask to escalate call to CEO XXXX office. I was then transferred to The Office of Consumer Affairs and spoke to XXXX. I asked XXXX what was the method of verification, she replied that we only verify electronically. Electronically is not sufficient verification when it comes to something as critically important and delicate as my credit file. Information that can decide whether are I can have a shelter, food, job etc. If Equifax is going to report anything on me, I should be verified with hard evidence that the information belongs to me. I asked XXXX to send me information that was verified and the method that was used and she refused. She demanded that I contact the creditor because that whose responsible. That is not true. It is the Credit Bureau that is placing this on my bureau without proper verification. Under the FACTA ACT, the credit bureau must provide all information verified, who verified, when verified. I also want to see hard evidence that this information is accurate and belongs to me ( ie ) driver 's license, signature, ss card etc. I am requesting all negative information on my file show that the items were verified before granting credit and what method was used before giving my credit information out and methods used to verify that those items are my items. Failure to furnish this will result in my filing a lawsuit immediately in XXXX County Courts under willful non-compliance under section FCRA 616. Let this complaint also serve as my intent to sue Equifax if these erroneos items are not removed from my credit file immediately. XXXX was advised that my intent to name each board member in a separate suit until this information in corrected. She was rude and hung up on me and I demand that this is escalated to CEO XXXX office.
EQUIFAX has not closed a XXXX XXXX XXXX credit card with a {$3000.00} limit. This is lowering my credit score utilization. This should be closed in my chapter XXXX.
Alleged company use scare tactics to threaten me to pay. I ask for debt validation numerous times yet no validation proven debt is mine. They violate my rights. Company not legit at all as do n't know what their REAL address. This company real fake.
XXXX inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/XXXX did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.