WillisBack/dataset-financial-user-claim huggingface dataset:
I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.
XXXX XXXX : RE : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX am on XX/XX/XXXX.
I have ben receiving calls from Portfolio Recovery saying they were representing XXXX XXXX Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.
BMO Harris has unnecessary borrower authorization practices. The company mandates borrowers to utilize a personal pin in order to speak to their customer service agents. This is the only creditor I have that requires this. If I forget the pin, BMO Harris subsequently requires me to submit a written letter that must be signed and notarized. This results in me spending money for a notary fee and waiting several days for BMO Harris to process my notarized letter. I am on XXXX  and it can be difficult for me at times to travel to find a notary. The reason for my call was only to confirm if BMO Harris was in receipt of payoff proceeds from the sale of my house and to ensure they have my correct mailing address.

Additionally, I have yet to receive any periodic statement during the time BMO Harris serviced my loan.
In XX/XX/2018 I contacted XXXX about late payments placed on my credit. I have several student loans with XXXX and on 2 occasions out of all of my loans 1 has come out of forebearance. My account was placed back into forebearance both times but XXXX placed lates paymets onto my XXXX, XXXX and XXXX   credit reports. I contacted XXXX and was told there was nothing they could do but i dont understand this as my loan was placed into forebearance.
I made a cash advance of {$500.00} on XXXX XXXX'18. After the cash advance, I made a payment of {$500.00} on XXXX XXXX'18 and {$750.00} on XXXX XXXX'18. I was expecting Chase to apply the  additional payments in that month to cash advance as it is the highest APR. 

The customer representative initially kept insisting there was no payment of {$500.00} made in that month. When I asked to be connected to supervisor, the supervisor told me the rules around Cash advance APR could be tricky and Chase charge interest on cash advance until the next statement is generated. During our conversation I am not sure if she hung up or call got disconnected but I never received a call back. 

It is unfair for me as a customer as I made the payment to avoid high interest balance but Chase has different ways around that rule. 

The rule says that any additional payments should be applied towards high interest balance. When I made more than minimum payment Chase should have applied those to Cash advance as it started charging interest on the Cash advance at the time of payment. 

A few other discrepancies I observed in my statements : 1 ) When I refer to statement generated in XXXX'18, the amount subject to cash advance amount is {$370.00}. As per the supervisor, if Chase doesn't apply additional payments towards cash advance until statement is generated, then how did balance subject to Cash advance went down from {$500.00} to {$370.00}? 

2 ) Then in XXXX'18 statement why did balance subject to cash advance jumped to {$530.00} when there were no Cash advances in that month?
XXXX XXXX sent me 3 different sets of paperwork ( which I 've attached ). The information XXXX XXXX sent me bears different dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These loans are fraudulently reporting to credit bureaus and I 've asked them on numerous occasions to validate this debt. My concern is that XXXX XXXX paperwork contains 3 different hand writings that are n't mine. Not to mention the dates are way past the statue of limitation. The first one that states consolidation loan bears a signature that does not match my own along with a stamped date of XXXX/XXXX/XXXX. The second statement has XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the last statement says XXXX XXXX XXXX which is not my name at all on XXXX/XXXX/XXXX. This is very concerning that XXXX XXXX does n't have proper documentation on said accounts and is a violation of my rights.
My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified Experian multiple times but they won't remove it off my credit report. XXXX also has a missed payment on my Experian credit report that needs to be removed, I was never late on.
I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Equifax has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX XXXX XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine XXXX that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
CRA is direct violation of Metro 2 compliance, FCRA section 609, also Michigan consumer laws.
Equifax waited an unacceptably long amount of time before notifying the public of their failure to secure my personal information and the personal information of many others. 

Equifax did not reach out to the affected users despite knowing already who has been affected. 

A credit freeze should be free but especially in this instance where many people 's credit has been put at risk by the very company who charges the fee.
On XX/XX/2016 I started my dispute with Equifax regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Equifax deleted XXXX records except for the bankruptcy and 1 tax lien. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I also discovered that 1 record they stated deleted, was back on my credit report as of XX/XX/2016. I then sent another letter on XX/XX/2016 to Equifax to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On my Equifax report the bankruptcy remains along with one tax lien and they placed back a tax lien that was removed ( referred to earlier ). I 've attached my letters to Equifax, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
My school taxes have not been paid and have went to collections. Multiple charges have been added for late fees and collections. I have called since XX/XX/XXXX with no resolve.
I have a Platinum XXXX card, and I missed paymebts due to unemployment. I contacted XXXX XXXX to bring the account current. I was informed the account was being handled by Alliance One. I contacted Alliance One to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the first and second representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and first representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted XXXX XXXX to make a complaint. They informed me that a payment was not due for three weeks. The Alliance One representative is XXXX.
Coinbase Inc. disabled buys and my login without any warning or due cause. Despite numerous emails and calls, no action has been taken and all my assets and money are locked out from me for absolutely no valid reason. They just send me a generic email ( probably generated by a computer bot ) that my case has been " escalated ''. I am not the only one and the internet is full of horror stories of Coinbase which has locked people 's money for no reason.

I have around XXXX  ETH tokens and XXXX BITCOIN Cash tokens that I have been holding with Coinbase. They assigned me a case number # XXXX.

I have been trying to get a reply from them since the XX/XX/2018.
I made a cash deposit using and ATM PNC Bank and eat my money, no receipts, I went inside and now I have a case, i was assigned to a person name XXXX XXXX, I call today ( this is the second day ) to know when I will have my money back and I was told that it will take at least 10 days to know it. XXXX dollars to pay my bills ... .what Am I supposed to do now.
XXXX XXXX XXXX IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH EXPERIAN. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # XXXX
I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at Check Smart and one at XXXX XXXX. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.
I was in a 6 month lease and during the last month I let apartment manager know I had unexpected situation at work and could n't pay on the due date for the final month we came to a agreement I would try to have what I owe mid way tho the month after having no luck with finding employment I went back to talk to him he became angry and told me I was to get my stuff out that day witch I did so later down the road once I started to get back on my feet my credit report showed he was trying to collect a early termination fee of like XXXX when rent was only XXXX I refused to pay it being if I would n't have been kicked out in that manner I would have tried to pay my balance before the thrifty day but in this case he gave no chance which would have been the only real way they could claim I broke the contract
Sir, Madam I am writing this letter to complain Well Fargo bank. 
1. When i did a second balance transfer on phone they told me that, i just pay only one time charge for balance transfer either {$5.00} or 3 %, ( No interest charge ), but when i received a bill, there is the interest charged on my bill. I did call the Well Fargo bank, but they did not resolve that happen. 
2. I had never applied for credit defense, but they automaticlly made up the paper, and charged in my account. I was so frustrated and call them, they already credit back to my account, but that was illegal? 
3. I had never applied for Loan, but they automaticlly made up the paper, and charge me XXXX dollars. i was very frustrated, went to the bank asked them to clear it ( because that is fraud ). they did clear for me but that was illegal? 
Hi Sir, madam, i am depressed, sick because of the Well fargo bank. i have a trouble sleeping every day .Could you please help me I am waiting for your response XXXX XXXX my email is XXXXXXXXXXXX
A horrible company keeps trying to put an erroneous debt on my credit report ( XXXX of XXXX, XXXX ). I have disputed with the XXXX AG office, XXXX and XXXX. All have never received value info from this company and deleted the information from my credit report. However, Equifax is not reporting correctly. They show a statement " Consumer disputes this information '' and are showing a " reporting date '' of XXXX!! I cleared this mess up in XX/XX/XXXX! I have no idea why Equifax is not deleting the item which is hurting me financially, instead of putting some statement on as if I have not proven I do n't owe OR XXXX has proven that I do. Why are the allowed to make me look like a deadbeat and not delete this information? Equifax has shoddy reporting and I want this OFF of my credit report. I 'm attaching the previous letters & my complaint number with my AG office from over 2.5 years ago. I will also file a complaint regarding XXXX.
I was dismayed once I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
My mortgage is a FHA loan serviced by Wells Fargo. I have had my loan since XX/XX/XXXX. My mortgage payment has always been {$970.00} In XX/XX/XXXX, Wells Fargo notified me by mail that my account had a negative escrow amount due to increased property taxes. They decided to raise my payment to {$1300.00} per month. This is an increase of {$410.00} per month. I am on a fixed income and live a simple life. I called them and explained to them there was no way I could afford this increase. They said to try to make the payment. 

I started looking at refinance options with other lenders. The month of XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX.  I continued to make my regular mortgage payment of {$970.00}. In XX/XX/XXXX. I paid a little more as I had a bit extra. My payment for that month was {$1000.00}. I was able to obtain a refinance approval with a Lender. We were ready to draw loan documents. The Lender pulled a back up credit for the Wells Fargo mortgage. They informed me that Wells Fargo was reporting me being 30 days late on my mortgage. I showed the bank all my receipts. I went to the XXXX branch today and stated my case. I spoke to a supervisor in the Loan Servicing Department. 

They informed me that they did receive my payments, ( which were made in the branch ). However, they did not apply them to the principal and interest They were placed in " unapplied funds '' account. This allows them to take my payment and apply it to the negative escrow. I informed them that was not disclosed to me at the time I made my payment nor did I agree to this. The Supervisor, said to fax a letter and they would investigate. 

In the mean time, I am unable to proceed with my new approved loan as Wells Fargo is showing me 30 days late in XXXX. I am enclosing all the documentation I have. All I ask is that Wells Fargo apply my payments to the my loan balance and not report me late. 

I became aware that the property taxes went up due to a HERO loan I took out for Solar Panels. This loan is tied to the property taxes. They file an addendum to my tax bill. This cause my property taxes to go up. This new refinance will pay off the HERO loan and save me over {$500.00} a month. I am XXXX years old. Have a humble life with a small house in XXXX County. Wells Fargo is not acting out on the customers best interest. They will be paid off including the negative escrow balance. I ask that they retract the late payment and apply all my payments to my loan. Lack of disclosure, poor management of applied payments and incorrect negative credit reporting have all caused a financial hardship.
I opened a credit card with American Express in XX/XX/2017. It had a promotional offer that a bonus would be paid if {$1000.00} was spent on the card within the first 3 billing cycles. The terms stated that a cardholder was only eligible for the bonus one time on that card. Several years ago I had a separate American Express card, what I believe to be a different product with different terms. I spent over {$1000.00} on my current card, but was told that I had signed up previously for this card and they would not honor the terms of the promotion. I did not know when I signed up for the card that they did not find me eligible for the promotion. I received a letter in the mail saying I was eligible for the offer. If I was not eligible why were they sending me mail. I thought that by receiving the offer that I was eligible.
Coinbase won't allow me to buy /sell or withdraw because i couldn't get though the ssn Identity Verification but im positive that every info i entered is correct. im trying to withdraw funds to my bank but it won't work. its saids i need to provide additional info to withdraw. coinbase already have my ID and infos every time i try to fill the additional info it it always say can not locate my ID and will locked me out for certain hours in order to try again I contacted coinbase numerous time with no luck. coinbase already approved my identity i sent all the document they needed. when i first register for coinbase eveything works fine i can buy/sell and withdraw small amount of funds after sometimes it won't let me do it anymore. please help and thank you.
This acct is not accurate on my report and is showing negative. I have called and sent certified letters. It was never late, now showing negative closed and chargeoff.
On or about XX/XX/2016 I applied for refinancing on two of my properties at Wells Fargo bank, after the initial interview from the loan XXXX he requested and authorized Appriasels on both properties at a combined cost of appr {$1500.00} for both, after the valuation came in my loans where denied based on income, debt ratio, I requested a a refund on the money spent for the appraisals after Wells Fargo sent me a letter that they wanted to redeem themselves by refunding money customers spent on unnecessary services, I contacted Wells Fargo representatives starting in XX/XX/2016, after several calls to and from myself to them, and them to me, it appears no progress has been done.i need some direction as to how to proceed with this, your time and consideration in this matter is greatly appreciated.