WillisBack/dataset-financial-user-claim huggingface dataset:
Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX in and XXXX XXXX  once and for good OFF my record.

Under XXXX  there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX card.
There are 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
Ive initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. thank you for helping
We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/XXXXand the mortgage was paid off onXX/XX/XXXX. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?
I had a ELOC with the Pentagon Federal Credit Union. Once the ELOC matured i spoke with someone with member services and discussed options. I was told that I could apply for a new ELOC. I did. At the same time I received calls and letters from PFCU on my past due notices. I responded to the calls and letters. Each time I was told that since I applied for the new line of credit and the application was pre qualified there was not a problem. I was told that the letters were automated. 

Notwithstanding, I was hit with a penalty and an adverse report to the credit bureaus. I called PFCU. I said they repeatedly made representation that I detrimentally relied upon. I was told there be no remedial action to my situation. I told them if I had known the consequence to my credit I would have just paid off the line. The ELOC was approved but I just paid off the line anyway. I have asked them to correct the reporting to the credit report and remove the penalty. PFCU has failed to respond.
I applied for and received a credit card with American Express on XXXX XXXX, 2016. The bonus offer was XXXX Membership Reward points if I complete XXXX in spending before 90 days ( XXXX XXXX, 2016 ). I completed my spending requirements and was initially given my XXXX points on XXXX XXXX, 2016. Then, because this promotion was made in error by American Express, everyone who was given this card on XXXX XXXX had their points frozen pending a fraud investigation. I utilized the chat function on the AMEX website to voice my displeasure with this event because I needed those points to be available when I was promised them due to booking a family vacation. I chatted with XXXX at AMEX and let him know that I wanted to downgrade my card to another product that utilizes Membership Rewards but that I was worried I would lose my, at the time, XXXX MR points. He assured me not only could I change products, but that I would be given my full annual fee back and I would be able to keep my points, as long as I changed to another card that used those points. I took screenshots of this conversation for proof. I was then told that the review would be 6-8 weeks from when the points posted ( XXXX XXXX ) and nothing could be done to expedite. I waited until that time had passed, and my points were still frozen. I called the Rewards Department at AMEX on XXXX XXXX, 2016 and spoke with XXXX. She told me my account was under additional review because I changed products but there was nothing to worry about, it was OK to change products, and my points would be cleared by XXXX XXXX provided I had not committed fraud or returned mass items. Now today, XXXX XXXX, I logged in to find I had XXXX MR points deducted from my account. I first used the chat feature on the website to ascertain why. I was told it was because I changed products. I asked to speak to a supervisor due to the fact that I was told by XXXX different AMEX employees that I would be OK changing and keep my points. Supervisor said I had to call in to discuss. I called in and spoke with manager XXXX in Rewards and he informed me it could be for fraud, returning, or changing products. I have now had to wait 9 weeks for points I rightfully and legally earned. I did not cheat the system, make mass returns, or violate any policies. I spent, after minimal returns and fee adjustments, a total of {$3500.00} in the allotted time of 90 days, needing only {$3000.00}. I will also include my statements for the time in question to prove that fact. I am asking for assistance in getting my XXXX MR points back that I rightfully earned. I would like to avoid having to obtain legal assistance, but will if I have to.
I have made several attempts via certified mail and notarized documentation requesting the XXXX, XXXX, and Experian to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
I am seeking relief from the high interest loan I have with Net Credit Online loan account XXXX the annual percentage is 98.6 %. I am trying to workout reasonable payment arrangements or a settlement amount I have a home I fought to keep to avoid forclosure and unable to pay the mortgage and anout to loose my transportation to work because I have several online loans and most of my biweekly check is taken from these online advancea who claims that they are not a payday loan organization. I want to do the right ththing I did take the loans out and did not realize the consequences it has cause my family and I. I do not want to avoid these lenders by closing my bank account. I 've worked out a payment plan with the payments reduced with no interest with Cashnet however I am not getting anywhere with Net Credit XXXX and XXXX financial. I am looking for help assistance please.
This debt collection was left on my name by my ex husband. He had all my information and had a lot of things put on my name and left them owing. Please remove as soon as possible as I am taking legal actions with him. Please remove this debt collection amount of {$880.00} from my credit report.
XX/XX/2018, TransUnion received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In conjunction with this dispute, Collection agency may have committed a possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, TransUnion did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate directly from the collector. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did TransUnion when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results dated XX/XX/2018 ( I have a copy of my Credit Report over that time period, " In Dispute '' is not in comments section that day or any other day of the dispute process ). Also, in its investigation, TransUnion claimed to have updated my name in which they falsified my correct name on the credit report. Concluding, TransUnion did not handle this correctly, they did not conduct an independent investigation and when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.
On XX/XX/2018, I wanted to participate in the federal student loan rehabilitation program, so I clicked on the first ad I saw after doing a XXXX search. I called Student Loans Consolidated and mentioned to them that I had rehabilitated my loan in the past and would like to do it again. They agreed, so we negotiated on the initial fee of three monthly  payments of {$180.00} for a total amount of {$540.00}. I made the payments via money orders and then waited for them to contact me with further instructions. In XX/XX/XXXX, I heard somewhere that a person can not rehabilitate a loan twice. I XXXX  it and sure enough it was true. I was livid. These people knew that when we talked on the phone and had misled me. I emailed XXXX XXXX and demanded my money back. He said his manager, XXXX XXXX, would be handling my account and contact me concerning any refund. Well, Mr. XXXX never contacted me at that time, and Mr. XXXX said that he handed my account over to their legal team to reverse my rejection. I then threatened to sue them. I have already filed a complaint with the Washington State Attorney General 's Office, and now with the Consumer Financial Protection Bureau.
Juniper XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
XX/XX/XXXX after reviewing my credit report I noticed that there are several inquires that do n't belong to me.
XX/XX/XXXX I called Transunion asked to speak with a US representative and requested that they remove several of the incorrect inquiries. Several different reps ( as I called various times ) advised me to contact the credit company itself to have the inquiry removed ( since they stated they could not do it ). I spoke with a rep from XXXX XXXX at XXXX and she advised me to contact XXXX XXXX XXXX directly at XXXX the rep there advised me that they have no record of me applying for credit and that I need to contact Transunion with this information. I called Transunion to advise of the XXXX findings and they still refuse to remove the inquiry from XX/XX/XXXX ( there is one that they sent to XXXX XX/XX/XXXX) because its over 6 months old. The Transunion rep stated that I should contact CFPB and issue complaint against XXXX  but my issue is with Transunion not removing the inquiry from their report.
Contacted Legal Collection Agent to notify them a credit collection alert was place on my credit report fraudulently through Hunter Warfield. The collection has been settled and paid in full in the amount of {$150.00}, agent was suppose to send receipt and documentation that there will be no collection account reported on my credit report as it has been settled. Collection Agent stated she will fix the error and will send to all credit bureau to get removed. She stated it will usually take 7 days for credit agencies to refresh after she sends out the electronic request. Hunter Warfield never notified me of there mistake, nor apologize for there error they caused to my personal credit profile. With the collection/late added on my report, my FICO score dropped nearly 30points. We just recently purchased a new vehicle and higher interest rate offered could have been the root caused by Hunter Warfield 's error in reporting my account. Now I am stuck with the lower tier rating with a higher interest auto loan rate. Please have error fixed immediately so that we do not have to escalate further with our legal rights.
A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX ,  XXXX , and Experian continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   EXPERIAN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
On XX/XX/XXXX I called trans union, XXXX, XXXX to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.
I do not know what the calls are about as they will not give me information about their call without requiring me to disclose personal information that I am unwilling to give. I receive XXXX5 calls a day from this company. I am on the " XXXX, but they just keep calling. When we ask who they are, they refuse to tell us. When we ask why they are calling, they require personal information to disclose why they are calling. So, they just call again two hours later. They secretary of our company spends hours each day dealing with this! Please make them stop these unscrupulous tactics. This has been going on for months! They call from Focus Receivables Management in XXXX, GA from the number XXXX.
This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. 

I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately
I was charged for XXXX overdraft fees for items that were not time stamped and happened to be transactions that could be charged a fee. I deposited a check via the mobile app for {$27.00} on Saturday, XX/XX/XXXX of which {$0.00} was made available ; but would be available to cover items on XX/XX/2017. Over the weekend all the transactions for debit card transactions were posted to my account along with a withdrawal that I made at an ATM for {$100.00}. Per the account statement I had an available balance to cover the {$100.00} withdrawal, but Bank of America charged me a fee. Additionally, the items that posted that were debit card transactions were not charged a fee because I do not have overdraft protection and those transactions are not allowed to incur fees per regulations. The fees that were allowed, according to Bank of America, were not " time stamped '' so that bank posted them last and charged me {$35.00} per transaction because this was a withdrawal from my account. Again, I have opted out of overdraft protection, so those transactions should have not been paid. Also, I was charged {$35.00} even though those transactions occurred prior to many other of the transactions that have already posted. The fees were incorrectly added to my account. I contacted Bank of America to explain the situation and they would not reverse any of the fees. The only fees they charged to my account were the ones they could and they did. Bank of America would not provide me with any information about when the items posted and why that these three specific transactions ( which one was an ATM withdrawal ; I would think it has a time and date when it was withdrawn ) were not time stamped and caused the account to be accessed three late fees. I wanted to clear up the balance issue right away, but was unable to because of these incorrectly assessed fees. I wonder how many other customers are getting fees charged by Bank of America because transactions are not " time stamped '' which causes an inaccurate posting of the transactions which then causes a fee to be assessed? I know in my case I was charged three fees due to inaccurate posting of the transactions, which happened to be the transactions that Bank of America can assess fees on.
Re : Non Receipt of Cash at XXXX ATM-Amex Debited Checking Acct Chronology of Events 1. XXXX XXXX 2015- Requested {$700.00} cash from ATM but did n't receive cash. Received a receipt stating I exceeded the daily limit allowed. 
2. Called Bluebird Amex and spoke to customer service rep XXXX ID # XXXX in XXXX XXXX XXXX Utah and informed him of what transpired. He then informed me to email or fax the ATM receipt along with a statement of what occurred to the Prepaid Dispute Processing Dept. 
3. I also spoke with customer service rep XXXX ID # XXXX. She also explained that the investigation what take approximately 10 business days, and in the interim I would receive a provisional credit of {$700.00} 4. I informed XXXX this was an emergent matter that needed to be remedied ASAP as it 's affecting my ability to pay my rent for XXXX and other financial obligations. 
5. I faxed and Email my letter to the PDPTD on Friday XXXX XXXX, 2015 and was received on Monday XXXX XXXX, 2015. 
6. XXXX XXXX 2015- Spoke with XXXX-XXXX Branch Administrator and explained the situation I experienced with their ATM and he requested that I fax a copy of my ATM receipt to his attention. 
7. XXXX XXXX 2015- Spoke with XXXX to follow up on ATM receipt I faxed him yesterday and he informed me after examining the receipt that the ATM rejected my request for {$700.00} due to it exceeding the maximum daily request. He also pointed out to me at the verbiage at the bottom of the receipt where it states in part " REQUEST EXCEEDS DAILY LIMIT '' as proof and evidence that the ATM never disbursed the {$700.00} cash that was requested. 
8. Spoke with XXXX, Acct Mgr. to get an update of situation and was informed that I my account would receive the provisional credit on XXXX XXXX 2015. 
9. Also later spoke with XXXX-Amex Bluebird Cust Svc and informed her of what I had been told by XXXX Mgr.-Vito about the ATM situation. I also gave her XXXX 's phone number to contact him to verify what was told to me and she informed me that she would notate the information and forward via email to the dispute processing department. 
10. XXXX XXXX XXXX Received email from Prepaid Dispute Processing Dept. stating that investigation was completed and it was determined that no credit is due and the transaction will remain on my account.
In XX/XX/2018 I sent a dispute to Experian regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Experian, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.
My mortgage servicer is trying to foreclose on my home. They 're saying that I failed to meet the requirements of my modification trial payment period. They sent me some documents via XXXX. I signed them and sent them back via the prepaid XXXX label that was required for me to use. I made copies of all documents sent to me. They 're saying my first payment was due XXXX XXXX, 2015, my documentation ( from the company ) says that my first payment was due XXXX XXXX, 2015, which was paid. The servicer is saying they have n't received the payment, which I know they have via bill pay through my bank account.