WillisBack/dataset-financial-user-claim huggingface dataset:
These inquiries below are not mines and were deleted last year. They have been posted after being disputed and removed. 

XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX EQUIFAX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX FINAN Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX The account below was deleted and was reposted after disputing. 

XXXX XXXX XXXX Reported : XX/XX/XXXX {$4100.00}
XX/XX/XXXX -- - DEAR CONSUMER FINANCIAL PROTECTION BUREAU, I AM WRITING THIS LETTER BECAUSE I AM IN NEED OF FINANCIAL ASSISTANCE AND I WAS REFERRED TO YOU BY MY REALTOR. I HAVE BEEN REPAYING A PERSONAL LOAN TO A COMPANY CALLED XXXX XXXX, XXXX. SINCE THE LOAN ORIGINATION IN XX/XX/XXXX. IN XX/XX/XXXX, I RECEIVED A RENTAL RATE INCREASE BY $ XXXX/MONTH WHERE MY FAMILY AND I WERE RESIDING, MAKING MY LOAN PAYMENT TO PROSPER DIFFICULT, WHICH IS {$700.00}. I RESORTED TO MAKING PARTIAL PAYMENTS EACH MONTH TO PROSPER, WHICH CAUSED ME TO INCUR LATE FEES EACH MONTH. UP UNTIL LAST MONTH ( XX/XX/XXXX ) I HAVE NOT BEEN ABLE TO CATCH UP BUT CONTINUING TO PAY PARTIAL PAYMENTS. I HAVE REQUESTED THROUGH PROSPER A REDUCED MONTHLY PAYMENT AMOUNT SO THAT I CAN SALVAGE MY CREDIT RATING. MY WIFE AND I RECENTLY PURCHASED A HOME THROUGH VA AND WE ARE CONSIDERING A REFINANCE AND POSSIBLE CASH OUT OPTION, SO WE CAN PAY PROSPER OFF ( A LITTLE OVER $ XXXX ). PROSPER TOLD ME THAT THEY WOULD NOT REPORT ME TO THE CREDIT BUREAU AS LATE AS LONG AS I WAS MAKING AN EFFORT TO PAY. THEY REPORTED ME TO THE CREDIT BUREAU ANYWAY. I DONT KNOW WHAT ASSISTANCE YOU CAN OFFER, BUT ASSISTANCE WOULD BE GREATLY APPRECIATED. I AM A XXXX MILITARY VETERAN WHO IS JUST TRYING TO KEEP A ROOF OVER MY FAMILYS HEAD. I AM OPEN TO ANY SUGGESTIONS TO SALVAGE MY CREDIT RATING SO THAT I CAN PAY PROSPER OFF. 

RESPECTFULLY YOURS AND KIND REGARDS THANK YOU.
I have sent several documents into Equifax asking them to remove this bankruptcy from my credit report. On  X/XX/2016    they sent me a letter  (  #  XXXX   )  saying my BK had been dismissed / discharged send in proof. I sent in my discharged BK paper .Then t hey sent me a copy of my credit report wit false information stating listed that Georgia  Fed  eral Court -Atlanta is source verifying my BK. Georgia Federal Courts do n't report to third parties. and they do n't report to credit bureaus. That is false information being reported on my credit report.
Rash Curtis and Associates contacted me twice after receiving a certified letter asking for proof of debt and to cease and desist communication. The letter was received XXXX XXXX at XXXX. 

I then received a robocall and after a brief dialogue, informed the first representative that I work at home, the call was interfering with my job, and I previously asked not to be contacted. A couple hours later, the robodialer called again and the second representative confirmed notes from the first call. 

The frequency of automated robocalls indicates the beginning of a harassment campaign.
On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. Last month XX/XX/XXXX, XXXX XXXX XXXX re-inserted the XXXX mortgage on my Equifax and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with Equifax and XXXX on XXXX/XXXX/XXXX. I also sent XXXX XXXX XXXX a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Equifax has already closed the dispute stating that the account has been verified. Equifax allowed the creditor to re-age the last activity for XX/XX/XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. I sent in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. Equifax has failed to remain bias and properly investigate my dispute. I sent in a third dispute letter on XXXX/XXXX/XXXX certified with return receipt, with a copy of the foreclosure documents. I feel very helpless in this matter and that the acts of XXXX XXXX XXXX and Equifax are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and XXXX XXXX XXXX and Equifax should not be allowed to continue to penalize me for this old debt. I am asking for your help with justice in this matter. I have enclosed all supporting documentation for your review.
Barclays XX/XX/2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.
Somebody put in a fraud alert on me. We are buying a home and the lender just called me and asked me if I did it. I 'm sure it was a collection company out of Florida that did it to muddy up my loan!
The collection ( {$3100.00}. XX/XX/2018 ) on my XXXX report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent XXXX  the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems XXXX  was NOT really doing any investigation on dispute and was not willing to fix their error.
XXXX /17  - This company has been calling my  Mother  's home repeatedly.   I have several different numbers for them :  XXXX   XXXX   XXXX  They are Zwicker and Associates www.zwickerpc.com  XXXX   XXXX   XXXX   XXXX   XXXX  MA  XXXX  I have sent letters to all companies I owed debt to explaining I do not live at my Mother 's.   I am currently ill, filed for  XXXX  and have no job and no income. I have asked many times that they not call my Mother due to the fact she is recovering from  XXXX   XXXX   XXXX  and still undergoing treatment. These calls are harassing and I have no means in which to pay them right now so I can not resolve this until I have income.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ).
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, XXXX  : XXXX
I agreed to fully pay this old debt and was led to believe if I made the payment, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Debt Amount : {$150.00} Fully paid XX/XX/XXXX2016
The second lien on my property was sold to Home Servicing LLC in XXXX 2017 from XXXX XXXX XXXX. They did n't even have any account number assigned to my property until the middle of XX/XX/XXXX. I had a short sale approved with the first lienholder at the time XXXX XXXX, that told me they also were selling my first lien to XXXX who was to honor the short sale. I finally received communication from Home Servicing on X/X/17 stating that there investor required {$33000.00} to settle the 2nd lien of record. The previous holder of the second lien only wanted {$27000.00}! To no avail, I have had to restart the short sale process and I currently have a contract of sale. Another was made to the second lien holder but received no response from emails, calls, or priority mail delivered letters stating my wishes to pay for Satisfaction of Mortgage. However, I was told by XXXX they could allow for 10 % of the face value of the note which is {$85000.00} so they would only allow for {$8500.00} to be paid and shown on the HUD statement. This company has neither shown me that they purchased this note from XXXX XXXX XXXX nor have they recorded their assignment of mortgage with the County Clerk. The second lien has never proceed with a Foreclosure action and the note of record is well past the Statute of limitations. So any monies they get should be enough. Please advise as how can I get a Satisfaction or Lien release for this stagnant mortgage that clouds the title of the property.
In XX/XX/XXXX, I received a letter from WELLS FARGO AUTO FINANCE stating they had created a new account number for my auto loan. The vehicle was repossessed in XXXX and subsequently the loan was charged off. I lost my income in XXXX XXXX due to XXXX and no longer able to work at XXXX XXXX. 

They then began reporting BOTH accounts to the credit bureaus showing a balance of {$10000.00}. In XXXX, I disputed with the XXXX and the original account balance was changed to {$0.00}. However, the duplicate account continues to report falsely. This loan was charged-off after the vehicle was repossessed in XXXX.They are reporting inaccurate, false data solely to harm my credit. 

In XXXX, I received a XXXX ( Cancellation of Debt ) and had to file same, as income, with my XXXX taxes. Even the XXXX appears to have errors on it, showing XXXX instead of XXXX ... .and the acct number is different from that appearing on their XXXX letter advising me of a " new '' account number ; for a second account I never authorized or opened. 

Now that have increased the BALANCE reporting to bureaus to {$11000.00} despite showing it as CHARGED-OFF. They also report it as OPEN. I do not, and never did have XXXX auto loans with Wells Fargo. This is 100 % FRAUDULENT reporting! All three major CBRs have documented DISPUTE, but continue to enjoin Wells Fargo in perpetuating this violation of the FDCPA, FCRA, TILA, and Section 166 of U.S. Treasury code 26 CFR 166 ( et al ). 

I am not, nor have I been receiving any statements, as required by law, when interest is being accrued to a loan. This is a violation of Truth in Lending Act. 

WELLS FARGO has wantonly and willfully violated my civil rights, caused me great harm financially, and caused me extensive pain and mental anguish because of their violations and because of their defiance to correct the problems when I disputed them through proper channels.
Professional Credit Services showed up at my doorstep with legal paperwork outlining a debt that we owed. We attempted to call them to pay the debt, and when we did they told us that we couldnt have documentation until we put a downpayment on the debt. They told us they " dont do that. '' They want me to give them money without anything saying that they would halt the legal process. In fact the person told me that they would not proceed with legal ave ues if we paid them the money. Again no documentation was going to be given. The amount also keeps changing. It was around 550 and now its XXXX?
I HAVE A VERY LOW VISION PROBLEM. PNC, MY BANK KNOWS THIS. PLEASE EXCUSE THE CAPS.BUT I CAN NOT WRITE THIS NOTE WITHOUT THEM. MY BANK IS CONTINUING TO TAKE ADVANTAGE OF ME AND MY XXXX. THEY ARE TRYING TO GET ME TO WAIVE MY RIGHT I BELIEVE BUT I CAN NOT READ THIS TINY PRINT EVEN WITH MY ASSISTIVE DEVICES. THEY HAVE TAKEN ADVANTAGE OF ME BEFORE AND CONTINUE TO DO SO AS RESPECT HIGH UNDISCLOSED FEES AND RETURING MY CHECKING EVEN THOUGH I HAD ACTIVATED AN OVERDRAFT CREDIT LINE WITH THEM. ThEY REFUSE TO HELP ME WITH THESE PROBLEMS. NOW THEY SEND ME SOME TYPE OF WAIVER NOTICE, I THINK, THAT I CAN NOT READ. MY NEIGHBOR THINKS IT IS TRYING TO GET ME INCLUDED AN ARBITRATION ONLY RELIEF OF THEIR UNKIND AND UNREASONABLE ATTEMPTS TO PUNISH ME FOR FILING A COMPLAINT WITH YOU. I HAVE ASKED PNC BEFORE TO SEND ME ONLY LARGE PRINT NOTICES. THEY REFUSE. I AM XXXX IN MY RIGHT EYE AND CAN NOT READ WITH MY LEFT WITHOUT ASSISTIVE DEVICES WHICH HAVE LIMITS. I FEAR THAT THEY ARE TRYING TO TAKE AWAY FROM ME MY RIGHT TO APPEAL TO YOU FOR HELP. THEY HAVE RECEIVED MY XXXX CHECK BY DIRECT DEPOSIT FOR MANY YEARS. THEY KNOW THEY WILL GET IT. I LIVE ON IT. AFTER ALL THE FEES THEY HAVE PUT ON ME I AM VERY WORRIED. I AM XXXX AND SHOULD NOT HAVE TO KEEP WORRYING WHAT TRICK MY OWN BANK IS GOING TO TRY ON ME NEXT. PLEASE HEL P ME. 
XXXX
My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with Equifax I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XX/XX/XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XX/XX/XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.
BRIDGECREST FORMERLY XXXX  XXXX XXXX XXXX XXXX, AZ XXXX  ( XXXX ) XXXX XXXX  is reaging my account. On my credit report it shows that I made a payment on XX/XX/XXXX. After submitting a dispute to the credit bureaus on XX/XX/XXXX and providing proof from my bank statements showing that no payment was made, they advised that I would need to take this up with the agency.

I have sent them certified letters on XX/XX/XXXX and XX/XX/XXXXin regard to validating the debt ; no has responded to me or the letters come back because the XXXX that they advise me to send this to is not a valid address.
On the XX/XX/XXXX, I paid nearly the full balance for my XXXX XXXX card. The payment cleared my bank account ( XXXX XXXX XXXX XXXX ) on the same day. Saturday ( XX/XX/XXXX ) the card was declined. When I checked the Chase mobile app, it showed the payment reflected in the balance ( now {$5.00} ), but the available credit amount was listed as {$0.00}. 

I called the bank the next day ( XX/XX/XXXX ) and spent nearly 2 hours on the phone with them, getting repeatedly disconnected and booted back to the main menu. When I finally reached someone who could provide information, I was told that, because the payment amount was higher than my normal payment and I had previously had a payment returned, they had applied a 5 business day hold. I was told that the hold could only be removed if the payment was verified with my bank, and agreed to let the agent call my bank and request verification. Once we had a representative from XXXX XXXX on the line, he told us that the bank 's policy is not to verify transactions with third parties over the phone. 

I later called XXXX XXXX to figure out what to do, and they informed me that the payment had processed and that there was no way that Chase had not received the funds. Furthermore, he told me that it would be impossible at this point for the payment to be returned. I called Chase back with this information, and was told that there was nothing _they_ could do, as their policy is to retain the hold for 5 business days or until the payment is verified with the bank. 

I understand that this may be their policy, and that the law may provide me no protection, but it seems clear to me that this is an abusive policy. Chase has received my money, and they have refused to let me use their service for an arbitrary amount of time, awaiting a verification which can never come. If I did not have other funds available to me, taking what seems like the sensible course of actions ( paying off my full balance when I have the ability to ) would leave me utterly destitute. Meanwhile, Chase has a week to lend out and profit off of my payment.
I was contacted by XXXX XXXX of CFM Group of XXXX GA regarding a supposed {$680.00} debt from XXXX XXXX about a credit card machine that I owe. 
I signed a 3 year contract with XXXX a long time ago with a business that is now closed. The contract stated that in order for me to get the machine for free, I would need to fulfill a 3 year term. Little did I know it had a clause about auto-renewal. 
XXXX never contacted me in regards to the machine, waited a couple of years and sold my account and this supposed debt to CFM claiming I owe them the machine. 
Not once did I receive a notification by mail regarding this matter, even though I have given XXXX XXXX my home address. The only thing they sent me ( by email ) is a vague contract from XXXX. I have reviewed the contract and no where does it state the price of the machine and what I would need to pay. I have asked XXXX repeatedly to verify my debt and send me an invoice, any kind of invoice with the amount and detailing how much I owe ... and he has not done so. I even spoke to his supervisor who stated they dont have that information, all they get is an amount in an XXXX sheet from XXXX and are unable to provide me anything other than the contract. I wanted to send a legal correspondence to NAB and have asked them for a physical address ( XXXX XXXX XXXX ) and they refuse to give it to me. I 'm assuming this is so that they can say I never sent anything since I will not get delivery confirmation. 
In addition, XXXX constantly emails me my full social security number and I have asked him not to do so numerous times. My email was recently hacked and I 'm afraid my personal information is out there.
I recently got off the phone with my previous employer, Wells Fargo Home Mortgage, on XX/XX/XXXX in attempts of starting my rollover process only to find out that they closed my account. I spoke to XXXX, the current holder of my 401k, prior to this conversation to begin the process and had everything done and finished with them. The representative was so kind to even guide me through their website, helping me make any adjustments necessary to match my needs and start my rollover. I only needed to speak to Wells Fago. 

So I spoke to Wells Fargo. Again. 

I actually spoke to a representative on XX/XX/XXXX to begin the process, but the representative wasn't very willing to help me out. Only a few minutes was spent on the call as I explained to the representative that I was unable to log into my retirement account. I've tried logging in multiple times but each time it would spring up as an unknown error and to call the representative. When I called, the representative told me to simply go onto the main webpage and enroll there since I didn't officially have any Wells Fargo accounts. I only had a team member account, one that I quickly realized that I no longer have access to. 

Without further help on the matter or any attempt to help start my rollover right then and there, she disconnected and I went online to register. I ended up being unable to register due to some technical error in the system, I ended up doing the same thing that I'd attempted to do earlier, and even now the issue remains unresolved. 

I decided to try again and give Wells Fargo a call again today, XX/XX/XXXX. After being transfered from representative to representative, I was able to talk to someone who was able to pull up my account, although it wasn't very much of a conversation. She told me that I was issued a check just a few days earlier, XX/XX/XXXX, a week after my attempt to begin my rollover with the other representative. Informing me that my previous balance was now cut by a few hundred dollars and that I will be charged penalty fees for not meeting the deadline that I was never informed of. 

I remained patient and willing to wait as she looked up my files and asked her if there was anything I could do to get the rollover started since I've spoken to the representative before and had issues logging in but the representative remained stern and gave me no further options. At the end of the conversation, she had the audacity to ask whether or not I was willing to start a retirement account with Wells Fargo and that she'd be happy to help me start one. 

Throughout the entire process I felt as though I received no help at all from Wells Fargo on the matter, I was only turned to opening new accounts with them each time. Unaware and uninformed, Wells Fargo stripped me of the money that I've been building with them as a dedicated team member.