WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing in regards to a vehicle that was purchased from Hyundai in XXXX, SC. The contract shows that the vehicle is in XXXX XXXX as the main borrower and Me ( XXXX XXXX ) as the co borrower. I have repeatedly call Hyundai Finance and requested that the account be corrected and they told me that because I had a beacon score they changed the contract. This is stressful due to them sending Certified Letters to me and when XXXX calls to see about the account they refuse to talk to her about it cause they state that she is not on the account. I have never had such a problem with a vehicle that has been financed in my entire life. They stated that they can change the contract and that we can not do anything about it. I know that by law you can not change the contract and they have actually sent me a copy of the contract which shows that XXXX is first and I am the co borrower. Please help me get this straight cause evidentially they are stating that they can do whatever they want to do and there is no telling how many other customers this has been done to. Thanks for your help
XXXX XXXX/XXXX Inquiry from XX/XX/2017 Unauthorized inquiry, and they will not removed ... XXXX, credior said they should remove it, if I didn't authorize ... 


Transunion XXXX Inquiry from XX/XX/2017 XX/XX/2017
I was fraudulently charged for a camera by American Express. I placed the order for a {$460.00} camera with XXXX, and the charge came from XXXX for {$610.00} because they lied about the camera not having a battery and charger. I never received any order information, they have done this to person after person. Contacted American Express right away about the merchant cheating customers but American Express took the side of the merchant.
On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months. 
This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.
I have requested prepaid XXXX master card .Nobody told me upfront that there is a fee {$4.00} per month. 
Also fee is usually charged after 1 month of service .My unexpected fee was charged 2 days after first transaction. 
When I emailed my request to close the card, received response : " The XXXX Prepaid Mastercard is issued by XXXX  XXXX XXXX, Member FDIC, pursuant to license by XXXX XXXX XXXX. Netspend, a XXXX XXXX, is an authorized representative of XXXX XXXX XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. 

Card may be used everywhere Debit Mastercard is accepted. " It actually doesnt answer my question Can you please help me to close card and transfer remaining balance to any of my accounts?
On XX/XX/XXXX I received my credit report from Experian, XXXX, and XXXX. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX. - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Hello, My name is XXXX XXXX. I have been a loyal customer of TCF Bank for a year. I am a single mother of XXXX children. I get direct deposit from my employer every two weeks, a child support deposit at least once a month, and a bonus check from my employer once a month as well. I overdraft my bank account two times per month to be able to feed my children, and make it through the week. I am aware that I have to pay a {$37.00} overdraft fee, however when I overdraft my account I am not only charged with ONE overdraft fee but three to four when transactions are pending in which funds were available before I overdrew my account. This time I made a {$340.00} deposit from my employer which I had in the past made a deposit for. I received a receipt from the ATM that shows an available balance of {$540.00}. I then made an online payment online using my debit card in the amount of {$280.00}. I checked my bank account to ensure that the funds were going to be deducted, and saw that my bank account had overdrawn to a negative {$68.00}. I called the bank and was suggested to make a {$68.00} deposit " To prevent a overdraft domino effect. '' I live paycheck to paycheck and do not have {$68.00}. I have asked my employer for the cash to cover that. Which is humiliating after being paid my bonus.
i have had a walmart card issued by XXXX XXXX for at least five years .its under me and my sons name who is XXXX right now. He set up auto payments on this account for XXXX a month on XXXX the XXXX XXXX   i got a notice from XXXX  XXXX  about a change on my report so i checked it and it showed they closed the account. I then contacted the company to see why the account was closed and was told it was due to innsufficent funds so i then explained to them when his pay goes in so i then asked about the payments and was told they would'nt start until XXXX so i then asked them to reopen the account especially since its being paid and they told me they could'nt do that i don ; t think its fair for them to put a blemmish on his report for something they could have told us about before they closed it no notification at all then when i talked to them i was told a notice was sent out should recieve it in mail have'nt received anything as of yet totaly upset.
I have a debt with XXXX but trueaccord has taken over this debt. This lady keeps emailing me constantly. She has even went so far as to tell me that she knows I am opening the emails. She is harassing me at this point. This lady has emailed me 17 times since XX/XX//18. This is not okay. Please help me. Her name is XXXX XXXX
I do not know what this account is or who it belongs to. I've asked the credit reporting agencies to investigate and send me proof that this debt is mine and have had no success!
I purchased 2 {$200.00} Mastercard gift cards from XXXX on XX/XX/2016. When I attempted to use the cards a few weeks later, I found one had {$45.00} left and the other {$35.00}. So on one card there is a fraudulent charge of {$150.00} and on the other, {$160.00}. 

I called US Bank 's fraud hotline in XX/XX/2016 and they sent me new cards with the current balances on it and told me I would get the fraudulent amount credited back with in 4 weeks. Since then, I still have not gotten the fraudulent amounts refunded back to me and US Bank refuses to help.
I mail certified letters too have old addresses removed they want remove them.please help then they keeping adding and took off a account that was showing 100 % on time payments
I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and Equifax did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been removed.
A company pulled my Equifax credit report illegally. They worked with me and told me that the request has been sent to have the hard inquiry removed. It has been more than 30 days and has not been removed. Equifax thus far has refused to investigate any credit inquiries despite their legality and claims that no such removal request was sent from the company that pulled it.
For the past 3 months, I have been disputing the inquiries listed below for unauthorizations of pulling my credit reports with the credit bureaus and the businesses that have inquired. I have never given permission, written or oral, to any other these companies. I have enclosed documents that I have received in the mail stating that each individual company was unable to locate any information indicating that particular company made an inquiry on my credit file. 
XXXX XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX / XXXX, TX XXXX / XXXX / Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX, CA XXXX / XXXX / Inquiry Date XX/XX/XXXX  XXXX XXXX / XXXX  XXXX XXXX / XXXX, PA XXXX / XXXX / Inquiry Date XX/XX/XXXX  The inquiries listed below have also been in dispute for unauthorizations of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus along with the companies that inquired. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. I have enclosed documents of mail receipts and letters I have sent to these businesses. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry DateXX/XX/XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/XXXX After my own investigation, this business is no longer operating. It shut down months ago. Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. Copy of returned mail is enclosed. 

The listed unverified inquiries have been proven invalid. None of the businesses can provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me delete these inquiries from my credit reports immediately. I am tired of fighting with the bureaus and businesses about these inaccurate inquiries on my credit reports.
I had been asking my mortgage company for help for 3 years starting in XXXX. My husband was diagnosed with XXXX. The 1st offer that they sent me was in the XXXX week of XX/XX/XXXX. They wanted the offer to start in XXXX but did not give me the paperwork in time period I signed it with the stipulation that they were gon na take money from funds they were holding due to a loss on our home. The next thing I received from them was information that I did not take their offer. I was transferred from 3 different people during this process I reached out to another government agency for some help because I'd already had a signed agreement. They had a for closure date set for XXXX. They postpone math while working on another offer for me both of these offers were {$500.00} more than my mortgage payment. Which didn't really help me but I was willing to sign or do anything to get back on track. The next thing I got from my mortgage company was a letter introducing me to another guy who is going to be handling my case and that was the XXXX week of XX/XX/XXXX Then I get a knock on my door on the XX/XX/XXXX stating that they had foreclosed on my home I have been fighting them asking them to resend it asking them to let me make it up asking me to get a new loan I really need some help here A fair resolution would be for them
This is about COINBASE.COM. 

They are holding everyone money if you send out, they have no way to contact them except you write them a ticket, and when you do that they do not respond to your ticket. 

Thousands of people have their funds with them, and I know it will be up to {>= $1,000,000} which they have with them. When you request to send money to another XXXX customer or for service payment, They do not process them and they do not say a reason why. 

Please, we need this fixed ASAP. 

Thank You
On XXXX/XXXX/16, Citibank charged ( and debited my checking account ) a low balance fee and overdraft fee totaling {$59.00} on a savings account with a {$0.00} balance that I requested to be closed. I had requested the account be closed in XXXX or XXXX 2016. I had the same problem on XXXX/XXXX/16 when Citibank charged the same {$59.00} low balance fee and overdraft fee. I was able to get the XXXX fees reimbursed after a long phone call that had to escalate to a manager. No fees should have been charged as I have now requested this account to be closed twice.
I use XXXX XXXX for my credit information. Just a few months ago my credit on both credit companies ( TransUnion and XXXX ) was Excellent. After checking this month I have the same good reports for both companies EXCEPT the hard inquiries, especially Transunion. The 7 hard inquiries at Transunion includes multiple inquiries including XXXX/XXXX ( 3 ) dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX XXXX ( 2 ) dates XX/XX/XXXX and XX/XX/XXXX. I have not applied for or given permission for these two subjects to check on my credit, I have one credit card ( XXXX XXXX ) and one mortgage transfer to the local bank which would account for the large amt. The subjects mentioned above have nothing to do with either of these institutions. My concern is that in a matter of a few months my credit has be deeply affected ( from Excellent to Fair ) based on the fact that Transunion never questioned so many requests without a written permission from me. I have had several identity fraud problems in the past and feel that these hard inquiries are the start of another problem for me and also have affected my credit rating that I have worked so hard to obtain. I appreciate anything you can do for me. 
XXXX XXXX XXXX ( XXXX XXXX
In XXXX I took out a mortgage with XXXX XXXX XXXX XXXX for the amount of {$340000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise, the mortgage monthly payment and interest rate were higher than promised, and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and the inflating interest rates. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's  office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount of {$340000.00} which is about {$3200.00} from the original mortgage 7 years earlier but I had already paid about {$130000.00}. How is that possible?
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you
My credit report is saying that I have XXXX accounts and I only have XXXX accounts opened and they say I have XXXX accounts opened. The report also says that I have XXXX derogatory remark and I do not know who it is from or how to fix the issue.
Equifax have my wrong date of birth. They are seemingly refusing to change it, in an act of gross laziness. I have twice faxed in my state ID to correct it. Each time I was assured it would be corrected within 48 hours. It was not, either time. I have contacted the XXXX  social media team, called 5 times, and faxed in my state ID twice.

To give an example of how frustrating it is to call, today I called once, and was told everything was down and they couldn't check anything, call back later. Then I called again later today and this time I was told it would take up to 30 days to correct. That's absolutely unacceptable. This error is making it difficult to apply for certain bank accounts and cards online. I was unable to open an XXXX account with a {$350.00} bonus because XXXX checked with Equifax and was unable to verify me due to Equifax 's incorrect information.

XXXX and XXXX   have the right DoB I believe.
I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from Transunion and XXXX both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three Transunion, XXXX and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

XXXX XXXX
I ordered my 3 annual credit reports and it wouldnt let me retrieve any of them. I am a XXXX XXXX  an mother of XXXX children. My wallet had gotten stolen twice an I am on welfare.
XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires 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 inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I have disputed the late payments on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my Experian and XXXX  credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. XX/XX/XXXX has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!