WillisBack/dataset-financial-user-claim huggingface dataset:
Greetings I have initiated multiple disputes with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my Trans Union credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/2018 2 ) XXXX - Date Filed : XX/XX/2018 3 ) XXXX  - Date Filed : XX/XX/2018 4 ) XXXX XXXX - Date Filed : XX/XX/2018 5 ) XXXX XXXX - Date Filed : XX/XX/2018 6 ) XXXX XXXX - Date Filed : XX/XX/2018 7 ) XXXX XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know. Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Receive daily calls from this company. They have the wrong person. I tell them this daily. They say they will take my name off. I continue to get daily harassing phone calls.
Hi and thanks for your assistance- I went down to my bank ( Citibank ) to apply for a {$200.00} secured credit card- the bank person told me there would be no credit check. Today I received an alert from my XXXX ; looks like there was a credit report inquiry by CBNA obtained a copy of your XXXX Credit Report - Alert Type : New Inquiry Found On : XXXX XXXX, 2016- This was unauthorized by me! 
Please help!! 
XXXX XXXX in XXXX XXXX XXXX
On XX/XX/2016, I received a credit monitoring alert from XXXX. Upon investigating the alert, I found a collection account had been added to my credit report from a company named Midwest Recovery Systems, LLC, located at XXXX, XXXX, XXXX XXXX, with phone number ( XXXX ) XXXX. The original creditor was listed as XXXX. I have never heard of either company nor done business with either one. Neither one contacted me prior to this, so I never had the opportunity to request validation of debt. They are in serious violation with the FDCPA. My intent, if this is not resolved ASAP, is to file a lawsuit in the United States Federal Court of XXXX.
I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX      XXXX   XXXX   XXXX   -  XXXX
XXXX XXXX XXXX caeds from XXXX popped up on my credit report lowering my score significantley. i want proof these are my bills
On XXXX XXXX, XXXX I contacted my loan servicing company Mr. Cooper to ask what were my options regarding a loan modification because my apartment building was affected by hurricane Irma. The associate asked me what I could afford to pay and we agreed upon XXXX$1000.00}. My monthly payment is {$3400.00}. She said that I could have a forbearance payment for a 3 month time frame. I paid the {$1000.00} that day online as I usually do. On XXXX XXXX a representative from Mr. Cooper called and informed me that my lender did not accept the forbearance agreement and now I am expected to pay the full amount. I was notified 6 days before the end of the month that I would need to pay the remaining {$2400.00} before the end of the month or it will show up as a late payment on my credit. I actually talked to several associates and some said that my account was still coded as being in forbearance, but the last associate told me on XXXX that if I did not pay the remaining balance by XXXX that my credit would be negatively affected. I am waiting for an associate from XXXX XXXXXXXX ( the lender ) to return my call. What kind of ethical business practice is it for the servicer to tell me I am in forbearance and the to tell me 6 days before the end of the month that I am not ; while forcing to come up with extra money that I do not have in order to not affect my credit? I have never been late on a payment and I feel like this is deceit of the utmost level. Its almost like holding me hostage for the sake of not ruining my credit. There was a statement on the site that stated I would pay {$1000.00} for 3 months but that statement has now been removed, as well as the statement that showed my {$1000.00} payment with no balance owing. It has been replaced with the statement that I have attached below. If you read the small print it still makes reference to a forbearance amount. I have attached the statement below. Unfortunately I receive all correspondence with them electronically.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate UNKNOWN XXXX, XXXX XXXX XXXX   XXXX
I purchased a XXXX XXXX XXXX online through XXXX on XX/XX/XXXX.  However, I changed my decision about this purchase shortly, and contacted the XXXX customer service via phone requesting them to cancel this order. They, however, were not able to cancel the order, since it was already being processed, and assured me that I can simply return it online once the item arrives. As soon as the item arrived on XX/XX/XXXX, a return request was initiated through XXXX online return center, since it was no longer needed/wanted. However, on XX/XX/XXXX, I received an email from XXXX that my return request has been cancelled, due to a return policy violation ( which they did not disclose ), and that they reserve the right to deny any return, even though the item was still factory sealed, and according to the XX/XX/XXXX return policy, I have 14 days to return the merchandise for a full refund from the date it was purchased, and my return request was still within that window. Please see attached, all the email communications between me and XX/XX/XXXX, as well as the XX/XX/XXXX full return policy. 
On XX/XX/XXXX, after multiple unsuccessful tries to resolve the issue through XX/XX/XXXX customer service, I requested Bank of America to start the dispute process on the {$3500.00} charge that was posted on my Visa credit card ending in XXXX on XX/XX/XXXX from XXXX XXXX. I also provided them with the full explanation as to why I was disputing the charge, as well as all the documentations/emails that I had from XXXX. On XX/XX/XXXX, however, I received a claim denied later from them saying that they are not willing to issue a charge back and pursue the dispute, since the item has not been returned to the merchant, which is exactly the main reason I was disputing the charge in the first place since XXXX was not willing to stand by their own return policy, send me a return shipping label, and issue me a refund. On XX/XX/XXXX, I contacted Bank of America via phone after receiving the letter, providing clear explanation for a second time as to why I was disputing the charge. However, the agent on the phone told me that they can not issue a charge back and continue with the dispute, since there is no billing error and the merchandise is still in my possession ( even though this is XXXX fault for canceling my return request and not sending me a return shipping label ).
In a letter dated XX/XX/XXXX, I stated the following facts : On XX/XX/XXXX, I contacted your help line at XXXX and again at XXXX, to report that the designated recipient had not received the Transfer Amount into her dollar account. I was then advised by a gentleman with a first name of XXXX that before 'MoneyGram ' can conduct an investigation into the matter you will need a copy of the designated recipient 's bank statement for XX/XX/XXXX to verify my claim.
Imagine my surprise when I received your letter dated XX/XX/XXXX indicating that the investigation was complete and that an error or problem with your MoneyGram money transfer transaction occurred on XX/XX/XXXX The reason you provided sounded suspiciously like a verbal error given for an earlier MoneyGram transaction with reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which preceded the one in question here.
In the earlier transaction I was told that a technical issue occurred with your partner Bank in XXXX and that I should try resubmitting the transaction after I collect my refund at the same location of the original purchase. It is important to note that I was not advised of my rights or afforded the option of completing the transaction.
I did as I was instructed and created the second transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To say that I have been inconvenienced is a gross understatement. So, pursuant to the Remittance Transfer Rule of Regulation E, 31 C.F.R. 1005.31 ( b ) ( 4 ) and ( b ) ( 1 ) ( iv ), and 1005.33 ( a ) ( 1 ) ( v ), I hereby demand a written explanation of my rights, documents on which MoneyGram relied in making your determinations and complaint procedures for the Consumer Financial Protection Bureau ( CFPB ). See attached documents for details.
I am entitled to XXXX payments relating to Paid Family Leave for XXXX my daughter on XX/XX/2017. Those payments come via a Bank of America prepaid debit card. The original card was supposed to have been sent to my current address on XX/XX/2017 ; it never arrived. When I reached out to Bank of America, they informed me that the only free option was to issue me a new card, arriving approximately XX/XX/2017 -- about 1.5 months after my leave began. Alternatively, I could pay {$10.00} to receive the card sooner. They refused to pay for the quicker shipment, claiming that I must have thrown the card in the garbage ( which, of course, did not happen ). 

Bank of America essentially owes me these funds, I never received them in a timely manner, and they sought to either charge me extra or further delay the payment that they owe me. This seems wrong and abusive, and I have no recourse ( i.e. not using BofA ) because they are the exclusive provider to XXXX.
I just wanted to put in a complaint about the hard Inquiries that are affecting my  credit score  I have not given authorization to half of these lenders. Please have them remove From my credit report.
To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$XXXX} with status of charged-off, amount of {$XXXX} with charged off status, amount of {$XXXX} with charge off status, amount of {$XXXX} with charge off status, Avant INC with {$XXXX} balance with XXXX late status opened XXXX XXXX, XXXX, and XXXX XXXX XXXX with {$XXXX} balance with charge off status opened XXXX XXXX, XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX letters in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX as of XXXX XXXX XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX run inquiries, bearing my wet signature, XXXX XXXX XXXX, Avant INC, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop.
I am a victim of fraud.The DOJ has convicted XXXX XXXX to XXXX yrs in prison for mortgage fraud. I happened to be one of his victims. I sent my short sale to BofA on XX/XX/2016. it was processed and XXXX XXXX the negotiator sent my realtor an email stating that until we get the fraudulent lien off the title BofA would not be able to process the short sale.My agent complied with BofA 's request and they turned around and set a sale date on my property for XXXX XXXX 2016. This is a dirty trick by BofA. I would like some help here in getting the sale date removed until I can get the fraudulent lien removed. My compliant number at the DOJ is XXXX : XXXX. The complaint was filed XXXX XXXX well before BofA declined my short sale because they did n't want my file to be in their que.
My XXXX XXXX XXXX township taxes were due on XXXX/XXXX/2015 according to the tax bill dated XXXX/XXXX/2015. Up to this date the bill has not been paid from my escrow account. On XXXX XXXX I called Ditech and I was advised to send a request via fax with the tax bill to their " tax research '' department. I was advised that within 10 business days I will have a resolution. Nothing has been communicated to me, so on XXXX XXXX I called again where I was told that the tax bill has still not been paid, however they could n't tell me why. I requested for the request to be escalated and I was told that in 3 business days I will have a resolution. I also requested to talk to the supervisor where XXXX assured me that he will personally follow up to ensure that the bill is paid. On XXXX XXXX, XXXX called, telling me that he does n't have an update, and that hopefully by Monday he can give on update. Today, Monday XXXX XXXX, I am being told that payment was fedex-ed to the township on XXXX XXXX. I called my township, where they stated that Ditech requested a tax certification ( which the township provided ) and that the payment was still not received. This is beyond frustrating and no one at the costumer service line can tell me why the payment is not being made.
they keep saying that these accounts are mine without any prove. I have no idea what these accounts that are being reported on my credit report are.
someone got services in my name from my id being stolen and opened this account its not mine i filed a police report and filed id theft report in this matter
incorrect addresses listed on credit report. My address is XXXX XXXX XXXX XXXX ny XXXX. And my Job is At the XXXX XXXX XXXX.
I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.
ZENCO continually call me or wife for debt they say wife owes for a credit card debt 30 years ago and threatening to send to district attorney or placing a levy on my property. They called my wife around XX/XX/XXXX with our banking account number and amounts threatening to put a lien on property. My wife got scared but hung up before they transferred her to the finance department to authorize a debit from the account. They subsequently sent her an email with an authorization request to debit the account asking for signature, which she nor I signed. On XX/XX/XXXX they collected from our bank account without proper authorization. On XX/XX/XXXX I reported it as fraud to the bank and they reversed the electronic transaction. On XX/XX/XXXX ZENCO called my cell phone and threatened me with bank account levy action for having the bank return the electronic debit check.
Diversified consultant is the name ( DCI ) I had them taken off my XXXX   report, but all they did on my XXXX was change the name and date.they were under XXXX XXXX. In XX/XX/XXXX my son stayed at my house and had either XXXX/XXXX iam not sure because they changed there name on my credit file.it was never in my name it was in XXXX cone.after I had it removed it shows back on my credit report as a new connection inXX/XX/XXXX.iam like OMG this is so crazy to be able to do this to someone. Please look into this company because it has to be fraud.thank for any help I've tried for montha
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting   Act, 15 U.S.C. 1681g 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.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
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Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.    <P/> Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract Santander Consumer  XXXX  Unverified Account   XXXX   XXXX   No acct # reported Unverified Account-No Contract
This complaint is being filed regarding a {$170.00} charge from XXXX, originally {$270.00} - but I received a refund from XXXX in XX/XX/2018, so the total amount still being disputed {$170.00}. I have disputed this charge four times with American Express due to the fact my sister and I were kicked out of our hotel room at the XXXX XXXX on XX/XX/18 at XXXX after I had a XXXX XXXX. We did not cancel the reservation, we were kicked out of the hotel by their staff. 

I have explained verbally via phone and provided detailed documentation ( including a XXXX and Texas Attorney General complaints ) of exactly what occurred at the hotel that evening to American Express four separate times in filing disputes. To respond to my dispute, XXXX has provided the cancellation/non-refund policy of the hotel, and stated lies that include I assaulted a security person with my room key - which I did not. See XXXX   pdf for messages from American Express as a result of the 2nd and 3rd disputes and pdf 's ending in -XXXX and -XXXX ; these pdfs being the same document that was sent to me as part of the response for the 2nd and 3rd disputer. It is very frustrating to me that the 3rd disputer was closed after I went into a very great detail when filing my 3rd dispute and was told by the American Express customer service agent that the response from the company should not have been accepted as this was not a cancellation attempt by me the customer so the cancellation policy has nothing to do with the dispute. 

My complaint today is that American Express is not protecting me - the customer - against XXXX non-responsive responses to the disputes filed. I fully understand the no cancellation/refund policy of XXXX/the hotel. However, I did not cancel the reservation - the hotel kicked us out in the middle of the night. American Express is accepting the same irrelevant and nonsense response regarding cancellation policies from XXXX each time as an answer to the dispute I filed, but their response is not responsive to the reason for the complaint. I have called and talked to American Express customer service when filing these disputes and have been told that the response from the hotel is not responsive and a new dispute will be filed, twice now. I'm worried that this 4th dispute, filed today, is going to result in the same non-sense, non-responsive response from XXXX and American Express is going to accept that response again and close my dispute, leaving me on the hook to pay {$170.00} for a hotel I was erroneously and illegally kicked out of.
I requested the removal of Bankruptcy record from my report. The bankruptcy was discharged more than 7 years ago, and by their own words, the record may remain for 7 or up to 10 years.