WillisBack/dataset-financial-user-claim huggingface dataset:
Report shows XXXX hard inquiries where only two are valid. ( does not show on XXXX ) XXXX XXXX twice in a week due to their own error losing my account information. Should be ONE valid inquiry only. <P/>XXXX XXXX shows two inquiries on same day for same service. A duplication that should appear as only ONE valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.
Please help. I am so frustrated that this continues to occur and Equifax/TrustedID indicates they can't help me. They refer me to call XXXX and XXXX tells me they sent my information to the fraud dept. I called three times to XXXX over time and a new rep told me to write XXXX in SD and request deletion of the items on my credit report. I did that in XX/XX/XXXX and still no change. I have two alerts on my credit report that are not mine. 

Both from XXXX XXXX, XXXX Box XXXX XXXX XXXX SD, business type " na '' and account status/type is " Consumer Disputes after Resolution ''. One on XX/XX/XXXX in the amount of {$2900.00} and one on XX/XX/XXXX in the amount of $ XXXX-neith of these are mine! Someone is trying to use my information and I can't get this off of my report. I ask for your assistance. PLEASE..I have/had outstanding credit for my entire life. I do not want this fraudulent activity reflected on my account.
This car was stolen on XX/XX/17 and the insurance company was in the middle of sending XXXX XXXX   there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.
On XX/XX/2017 I attempted to pay health insurance premiums online for myself and my daughter. After the transaction was declined I contacted Wells Fargo and discovered that they had arbitrarily set a {$2000.00} spending limit on my debit card. The initial representative I spoke with offered to increase my limit to {$3000.00}. She then informed me that her request was denied by " the system. '' When I asked why I was unable to get access to the money in my account I was told by the Wells Fargo representative that it was for my own protection. My identity had been verified by the representative so I am wondering from whom I am being protected, myself?? I also spoke with a " customer care '' representative named XXXX. She basically repeated the same thing I was told by the first representative. Given that I was facing a deadline for purchasing insurance I was extremely frustrated and asked what recourse I had. I was told I could go into a bank the next day and ask for an increase or give the insurance company my account and routing number. Time was of the essence so going to the bank the next day was not a viable option nor was providing my account information to the insurance company because there was no mechanism to do so. I asked what recourse I have as an unsatisfied customer. I was told I could get a complaint number ( which I did ), that the complaint would be taken into consideration when policy discussions were held, but there was no guarantee that anything would change in the future and no further follow-up would happen unless I followed up myself.
Today, XXXX XXXX, XXXX, one day after the auction of the unsecured debt ninety months past due related to the XXXX Deed of Trust which Bank of America has represented to me no principal balance exists, I have had to deal with a man driving a blue XXXX XXXX claiming his client bought my property and home. After he tried to open my front door without knocking, I told him to leave as he is trespassing and not to come back. I also informed him his client may have bought a debt, but he did not buy this property as this property was not used as collateral to secure the debt once incurred under the terms of the XXXX Deed of Trust and to contact Bank of America to get the details related to the XXXX Deed of Trust, California Homeowners Bills of Rights, Fair Debt Collection Practices Act, and Adverse Possession. 
Additionally, Bank of America has committed multiple acts of fraud related to this account, including dual tracking. But for dual tracking, I would not be subjected to the unwanted traffic upon my property and disruption of my quality of life. It is because of dual tracking, the recording of the Notice of Default, subsequent Notice of Trustee Sale and the Trusstee 's auction, I can get no rest nor peace, night or day. 
All previously mentioned resolutions are desired and required, including a brand new home built on the subject property complete with landscaping as it is no longer a place of peace, security, and tranquility.
On XX/XX/XXXX I started the process for a XXXX XXXX on my property. Beginning of XXXX XXXX we submitted the initial offer on the property for {$180000.00} and an interior XXXX was ordered by the servicer ( Selene Finance ) on behalf of the investor ( XXXX XXXX XXXX ). On XXXX XXXX we received a counter offer for {$260000.00} from XXXX XXXX ( negotiator ) assigned to the file. On XX/XX/17 we submitted a buyer counter offer for {$230000.00} with a net amount of {$210000.00}. On XXXX XXXX we received a counter offer from XXXX XXXX again with a net amount of {$220000.00} requesting a response by XX/XX/17. On XXXX XXXX we submitted a buyer 's counter for {$230000.00} and lower the realtor commission to XXXX % to make the deal work with total net amount of {$210000.00}. On XXXX XXXX we received a response from XXXX XXXX advising us that the offer was declined by the investor and the only option given was a XXXX XXXX XXXX. on XXXX XXXX we submitted a new buyer counter offer for {$240000.00} with a net amount of {$220000.00} and received a response on XX/XX/17 that the offer did not met the investor request of {$220000.00} net requested. On XX/XX/17 a new buyer offer for {$250000.00} with a net amount of {$220000.00} was submitted for investor 's review. on XX/XX/17 the investor requested to have an insurance claim completed on the property, the insurance claim was filed and completed. The insurance claim was submitted to investor on XX/XX/17. On XXXX XXXX the investor ordered a new interior XXXX  because the previous XXXX has expired and the new one was completed XX/XX/17.After the new XXXX came back, I received a response to let me know that now the investor wants {$100000.00} more for a total of {$320000.00} net based on the " AS REPAIRED value of the property ''. This is a clear malpractice and abuse that some of the mortgage investor 's are doing regardless of the financial situation of the mortgagee. This type of abuse must be stopped by our federal government and any investor doing such practice must penalized. The investor is abusing their position and taking advantage of the customer.
Upon undergoing a back ground check for federal employment, I learned this debt was listed with a collection agency on my credit report. I mailed a letter to Pinnacle Credit Service on XXXX/XXXX/16 asking for verification/documentation of the debt. They did not respond. I mailed a follow up letter to Pinnacle on XXXX/XXXX/16 with a copy of the original letter. I asked again for verification/documentation. They did not respond. I mailed a third letter certified mail return receipt requested on XXXX/XXXX/16 advising them to verify the debt or have it removed from all three major credit reporting bureaus. I received the return receipt verifying they received the letter XXXX XXXX. They still have not communicated with me or removed the debt. I applied for a mortgage on XXXX/XXXX/16 and was denied an FHA loan because this debt is on my report, yet the collection agency will not respond with verification/documentation.
XXXX XXXX pilot who travels a lot and has been loyal Bank of America Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to B of A Credit Card offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / B of A Credit Card / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX K limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
XXXX XXXX XXXX XXXX
My mother died approximately XXXX year on XXXX XXXX, 2015. I resided in the residence with her for many years. My mother decided to take a reverse mortgage with Wells Fargo Bank. I have tried to work with wells Fargo and my estate attorney to get me appointed as the personal representative. I feel that wells fargo has been unfair and deceptive in dealing with myself and my mother during her life. My mother has NOT been vacated from more than XXXX year. Therefore the bank can not legal foreclosure and are in violation of the FDCPA.
On XXXX XXXX, 2016, I ate at a restaurant in XXXX XXXX called XXXX XXXX and became seriously ill because they apparently do n't clean the fish they serve there. I emailed them and complained and disputed the charge on my Citibank XXXX XXXX card because I did n't think I should have to pay for a meal that made me sick and sent me to an emergency room. Citibank contacted them and they said I never complained to them which was a lie and Citibank sustained the charge without investigating I have since filed complaints with the Better Business Bureau, and the XXXX XXXX Consumer and Business Affairs. BOA ignored all of their correspondence so I was found to be correct in my claim. I went back to Citibank, the Office of the President through someone named XXXX XXXX. He arranged or asked me to call a man named XXXX XXXX at the restaurant for my refund. The man never called me back and never replied to my email. Copies of a years worth of correspondence are being attached here. XXXX XXXX old me that " It 's hard for them to investigate with restaurants '' but I know that Citibank never investigated this at all.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
On multiple occasions, we have been harassed by Peerless Credit Services for a debt that belongs to my ex wife. <P/>The most recent incident was on X/XX/2017 around XXXX. Upon receiving the bill for XXXX XXXX, Acct # XXXX, I contacted Peerless Credit Services to  provide them with contact information for XXXX XXXX. During these conversations, they refused to take her information, stating that this is my debt, when it is not. The Peerless folks hung up on us numerous times and have yet to take the address and phone number of the responsible party. <P/>This is the 3rd month in a row we have attempted to resolve this with them.
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.
AMERICAN EXPRESS APPARENTLY ENGAGES IN BAIT AND SWITCH PRACTICES WHEN ISSUING CREDIT CARDS. I APPLIED FOR AN AMERICAN EXPRESS PLATINUM CARD AND RECEIVED AN EMAIL NOTICE THAT A DELTA SKY MILES CARD WAS BEING SENT TO ME. I CALLED AND SAID I DID NOT WANT A DELTA SKY MILES CARD AND INSTRUCTED THEM TO TAKE ME OUT OF THEIR SYSTEM AND TO NOT ISSUE A SKY MILES CARD. THEY INSISTED THEY COULD NOT TAKE ME OUT OF THEIR SYSTEM. I FIRST SPOKE TO SOMEONE NAMED XXXX I THINK. SHE TOLD ME I WOULD HAVE TO WAIT UNTIL THE CARD WAS ISSUED AND THEN CALL TOMORROW TO CANCEL IT. I TOLD HER THAT WAS NOT ACCEPTABLE, THAT I SHOULD NOT HAVE TO CANCEL A CARD THAT I NEVER APPLIED FOR, THAT IT WAS ILLEGAL FOR A COMPANY TO ISSUE A CARD THAT WASNT APPLIED FOR. I SAID I WANTED TO SPEAK TO A SUPERVISOR. SHE SAID I COULD NOT BUT FINALLY SENT ME TO SOMEONE NAMED XXXX, WHO SAID HE WAS AN ACCOUNT SUPERVISOR, ID # XXXX. HE REPEATED THE SAME STORY AND I TOLD HIM I WANTED TO SPEAK TO THE LEGAL DEPARTMENT. HE SAID WE DO NOT HAVE A LEGAL DEPARTMENT. I SAID I DID NOT BELIEVE THAT. HE SENT ME TO ACCOUNT MANAGER XXXX, ID # XXXX, WHO SAID SHE COULD NOT CONNECT ME TO THE LEGAL DEPARTMENT. I THEN SAID I WANTED TO SPEAK TO THE FRAUD DEPARTMENT AND SHE SENT ME TO A MAN NAMED XXXX, WHO REFUSED TO GIVE ME A FULL NAME AND WHO SAID HE DID NOT HAVE AN ID #. HE SAID I SHOULD TALK TO THE NEW ACCOUNTS FRAUD DEPARTMENT. I ASKED HIM TO TRANSFER ME AND HE SENT MY CALL TO THE MAIN NUMBER WHICH OFFERED THE SAME PROMPTS THAT A NEW CALLER WOULD HAVE TO SELECT FROM. I BELIEVE IT IS FRAUDULENT FOR A COMPANY TO ISSUE YOU A CREDIT CARD YOU DID NOT APPLY FOR. IF IT ISNT IT SHOULD BE. I APPLIED FOR A PLATINUM CARD. IF THEY DID NOT WANT TO GIVE ME ONE THEY SHOULD HAVE JUST TURNED ME DOWN. INSTEAD THEY SAID THEY WERE GOING TO SEND A DELTA SKY MILES CARD WHICH I DIDNT APPLY FOR AND DIDNT WANT, AND THEN SAID THAT I WOULD HAVE TO WAIT UNTIL IT WAS ISSUED AND CANCEL IT, WHICH OF COURSE WOULD AFFECT MY CREDIT RATING. THE EMAIL THAT WAS SENT TO ME HAD A LINK TO LOOK AT THE RESULTS OF MY APPLICATION. WHEN I CLICKED THE LINK IT SAID A DELTA SKY MILES CARD WOULD ARRIVE IN THE NEXT FEW DAYS. IT ALSO NOTED THE PLATINUM CARD APPLICATION HAD BEEN CANCELLED. I WONDER HOW MANY CREDIT CARDS ARE BEING ISSUED THAT PEOPLE HAVE NOT APPLIED FOR, AND I WONDER IF AMERICAN EXPRESS IS DOING THIS BECAUSE IT REALIZES THAT THERE ARE FEW PENALTIES FOR CORPORATIONS THAT ILLEGALLY CREATE CONSUMER ACCOUNTS. XXXX XXXX COMES TO MIND.
I noticed a debt line on my credit report for a collection account. It apparently belongs to Portfolio Recovery Assets, with whom I have never been in contact with or know. I have no contracts with them nor understand who they are. I disputed the reporting on my credit reports, and their " verification '' was a printout that was illegible with what was supposed to be my signature. They have absolutely no proof that I have any account with them or how they came to the amount they claim I owe them. This is seriously impacting my life as it has ruined my credit. I want them to remove this from my credit report immediately and stop harassing me.
Back in XXXX of 2014 I contacted Bank of American in regards to XXXX payments I made. I made a payment in XX/XX/XXXX and then the following month in XX/XX/XXXX. I was told the payment was XXXX days late. I am very upset because I been a loyal customer with Bank of America for XXXX years and I have never been late on my credit card bill. And I always pay my bill before the due date. They did nothing to help me and they told me I was late. I told them I was not I asked them if they could remove they late fee or reverse it and they told me no. As a loyal customer they should have done it anyway. I have an excellent bill history with them and they did nothing to help me and were very rude as well.
Loan # XXXX Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX This is an addition to Complaint/Case # XXXX despite repeated payment of my Mortgage due on XX/XX/XXXX, Nationstar Mortgage returned the payment without any reason. First off, I have been hospitalized since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. Consequently, I am not in the US. I am in XXXX. The address of my family is the following : XXXX. XXXX, XXXX XXXX, XXXX Tel : XXXX XXXX XXXX. 
Now, Nationstar Mortgage has absolutely no reason to refuse the monthly payment. I am XXXX Veteran. My ONLY source of income is my VA XXXX and an allowance from the Social Security Administration. 
I became eligible and approved for a Permanent HAMP-Making Home Affordable Program. Consequently, the amount due/Mortgage Payment is PERMANENT for a period of six years, providing that I do not miss any payments. This is exactly what Nationstar Mortgage is trying to achieve, by refusing the monthly payment Nationstar Mortgage has made repeated attempts claiming that I have missed payments, because this will automatically cause me to lose this Permanent HAMP Program. However, the XXXX immediately sent Nationstar Mortgage Bank Statements clearly indicating that absolutely no monthly payment was missing. All payments are automatically sent on a recurring basis. Nationstar continued their extremely aggressive campaign of calling my house several times during the day and night-repeatedly, non-stop with claims of missed payment. In XX/XX/XXXX, I received an email and phone calls that my house was broken into. XXXX, I flew home. However, I XXXX had to be rushed back to the hospital. Once more, I have a permanent HAMP Loan. Nationstar Mortgage can not increase the Loan or refuse Payment. XXXX, and XXXX willing, I am hoping to be back in the US in XX/XX/XXXX/XX/XX/2017. Nationstar Mortgage has a history of repeatedly trying to force Foreclosure Proceedings, claiming that monthly payments were missing. This is the fourth time that I have filed a grievance or complaint, and they simply ignore the complaint, and after a while, they start the harassment all over again. I am XXXX Veteran, XXXX years old, very sick and unemployable. I can not afford an Attorney. Please, please help me to end this terribly nightmare. You must insist that they reply to this complaint. They have failed to reply to all of the other complaints made. This XXXX has caused serious setbacks, XXXX. If this keeps up, it will eventually XXXX. Please, XXXX help me.
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice  to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain  reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ). 
XXXX Reported : XXXX XXXX, XXXX {$11000.00} Closed XXXX Reported : XXXX. XXXX, XXXX {$910.00} Closed XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Ocwen Loan Servicing : pass company name 's Option one, Homeward Residential, American Home Mortgage Servicing , Inc. ( AHMSI ). They stopped taking the mortgage payments because they forced placed insurance and I never had a previous laps in insurance I just changed companies. 
After they realized this, they dismissed the foreclosure and continued to not take any payments for over one year. They never had the correct Social Security number so I could not talk with any one. 
After this time period they proceeded with foreclosure a XXXX time Also I learned that the mortgage company did n't have a license, the documents from the mortgage company stated that the note was lost and destroyed. 
The mortgage company 's attorney asked for a 45 day extension and it was granted and they took a whole year before they came back with an answer and then they tried to go straight to trial There was a trial date set and they did n't contact me or my Lawyer so the date was changed by the judge They never had the correct Social Security number so it was always a problem to speak to them on the phone and this is from the beginning of the loan XXXX XXXX XXXX is a company that they always asked me to direct my mail to and the company was/is non-existent ... all mail was returned The service provider, company name " AHMSI, '' kept changing their name XXXX times because they had a class action law suite placed on them for forced placing insurance on their mortgage holders and then filing foreclosure on them. I have not done a modification today XXXX/XXXX/2015 I received a payment plan and I 'm still in foreclosure. We just got pass Ocwen lawyer trying to go to trial contact me or my Lawyer so the date was changed by the judge, now a payment. I just do n't understand how can this company get away with this.
Citibank charged me an annual fee XX/XX/2018. I am calling today to cancel my card XX/XX/2018. They are informing me Citibanks new policy only allows pro rated refunds if canceled within 60 days?? This is preposterous. How can they do this?? First I don't recall ever seeing a change to my user agreement. But how is the CFPB allowing this? The fee is an annual fee - if i'm not receiving all the benefits of the card for the entire year then how can they be charging me an " annual fee ''?? 

I should be getting a pro-rata refund for the months that I am not a holder of the card. This sounds very deceptive and highly illegal. Please advise. 

Thank you.
chase said they try to apply that amount to XXXX billing.. but i would like them to stop their practice of applying my monthly payments to principal when ever it suits them ...