WillisBack/dataset-financial-user-claim huggingface dataset:
File Number : XXXX Date Issued : XX/XX/XXXX TransUnion refused to remove all UNAUTHORIZED CREDIT INQUIRIES! 
I have been in contact over the past 4 months and TransUnion keep turning me away.TransUnion will not do there job!!! 
INQUIRIES # 1 : XXXX XXXX- XX/XX/XXXX 2 : XXXX XXXX- XX/XX/XXXX 3 : XXXX XXXX- XX/XX/XXXX 4 : XXXX- XX/XX/XXXX 5 : XXXX- XX/XX/XXXX 6 : XXXX XXXX-XX/XX/XXXX 7 : XXXX- XX/XX/XXXX 8 : XXXX XXXX- XX/XX/XXXX 9 : XXXX XXXX XXXX- XX/XX/XXXX 10 :  XXXX XXXX- XX/XX/XXXX 11 : XXXX- XX/XX/XXXX 12 : XXXX- XX/XX/XXXX 13 : XXXX   XXXX.-XX/XX/XXXX 14 : XXXX XXXX- XX/XX/XXXX 15 : XXXX XXXX- XX/XX/XXXX 16 : XXXX XXXX- XX/XX/XXXX
These inquiries on my Credit report has not been authorized by me. I would like to have them removed because they are causing a bad impact on my Credit Report. Thanking you for your assistance. I will be uploading a copy.
On XXXX XXXX I applied for a home mortgage. I contacted Movement MortagXXXX online and submitted all documents needed with XXXX XXXX. I received a Commitment Letter saying I was pre approved for a $ XXXX loan with FHA XXXX XXXX down. I was excited and went looking for a house. XXXX said he wanted to submit it to the board to make sure it was all going to be good. He came back asked for a few more things, was all good. I put a offer in on a house, put money down, was very excited. Then he called said He could n't use my child support, which was a large part of my income. This was not hidden, So then he said if you pay off your XXXX XXXX loan, I can still get you to budget. I was like how can I come up with another XXXX XXXX... My boyfriend went out got money to pay it off, was a stressful few days to figure that out. I was at bank depositing money get a call from XXXX XXXX, sorry your loan is no longer approved even if you paid the loan off. I paid off all credit cards, only thing left was my car payment. I was so upset and embarrassed. My heart was already with this house. I put money down and paid for a appraisal. I did fight to get those back, but never wanted to be in that spot, that 's why I got a pre-approval letter. I have been so upset and stressed over this, and do n't think this should be right! I told everything up front. I am a single mom and just wanted better for us. The sad thing is I pay more in rent than my payment would of been! I have been my job for almost XXXX and lived in same place XXXX. Just sad a mortgage can do this! So I do n't recommend MOVEMENT MORTGAGE. IF any documents are needed I can provide, I KEEP EVERYTHING.
I opened a checking account at Ally Bank and deposited some money. A few days later I was told that I needed to submit identification documents and that the bank would have to review the documents before having access to my account. I have periodically called to check on the status, and I have been asked to submit the documents again. I also asked whether they could instead close the account and send the funds back to me, as I had set up an account at another bank while Ally 's review was going on, but Ally would not do this. I also asked for bank statements so that I may report the earned interest for my taxes, but they would not provide these either. ( I estimated the earned interest. )
This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.
On XXXX the XXXX I tried to move from my wallet into a exchanger and it said 72 hours waiting time. Somehow i thought maybe the vault will be faster ( XXXX  me ) I havent used the Coinbase account for more than 3 years and my secondary e-mail address doesn't work anymore. Tried it and it bounced. I contacted support via the phone number listed on there XXXX Waited for 50+ mins calling from the XXXX.. Got someone on the line and they said they moved my case to another expert team for this and they would move my coins back to my wallet and they would delete my vault. Now more than a month later no answer what so ever.. the reply on my ticket says " I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' Define shortly ... Not happy about this!
There are six unauthorized hard inquire 's on my report when i spoke to a rep from transunion they said there was nothing that can be done cause the inquiries are a statement of fact, but they are not, i didn't autorized any of the five creditors to run my report and there is also fraud alert on my file but they still allowed my report to be access with out my autorization, see dates below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I have recently been informed that there is negative information reported by Sequoia Financial Svcs in  the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote Sequoia Financial Svcs requesting documentation and record dispute while they have the opportunity to respond. I also wrote Sequoia Financial Svcs a second final goodwill attempt request for verification documentation on XX/XX/2018. Sequoia Financial Svcs has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that Sequoia Financial Services had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against Sequoia Financial Svcs, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
This complaint is in reference to account # XXXX. XXXX XXXX placed a late payment on my credit report around XX/XX/2018 and my account was taken off auto pay. I have never been late in my life and contacted the company and informed them I was on auto pay and it was taken off early. This was not my mistake and it causing me severe financial harm. I was on auto pay and paying as agreed and their company somehow discontinued the auto pay when it should not have! I have sent them copies of emails from their company with this information. I am even in a new XXXX and signed a new lease and was told by the salesman everything was fine. Please remove this late payment asap, thank you.
I gave them the information they needed to verify that I no longer responsible for this debt, by phone with the county records # so THEY can see for themselves who being honest. I also contacted XXXX with my dispute. They responded back saying the collection agency there information was correct. So my word is no longer valid.
I was sent XXXXEuros to my Paypal account. I logged into Paypal to receive it. Once I clicked " accept '', the webpage showed me three options, one of which was to convert the money to {$33.00} and some cents. I Googled " XXXX Euros '' and it reported that amount to be worth about {$34.00}. I thought the cost ( $ XXXX {$33.00}?? ) to be reasonable and so I selected this option ( the date was XX/XX/18 ). I then saw a webpage that said the transaction was complete and it provided a link to " transaction details. '' It was only then, that I saw some details that indicated that I was only receiving less than the {$33.00} that I had been promised.
The XXXX Tribes Of The XXXX XXXX Reservation Tribal Government Fund paid the bill back on XXXX/XXXX/2015. The tribe had multiple contacts with them about this payment from my understanding each time they talked to them it was being handled. I then started receiving phone calls from Credence Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Telephone number XXXX. I stated that I believed this was taken care of and I would contact XXXX at the XXXX tribal clinic. XXXX told me she would call and take care of it. They have sent numarous letter each I have taken to the clinic they told me fedral funds will not pay twice for a bill. On XX/XX/XXXX XXXX XXXX talked to them and had it all resolved she can be reached at XXXX she has all supporting documents. There is also another payment made on XX/XX/XXXX for XXXX that there are trying to collect on with me too.
XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe. It appears a debt discharged in bankruptcy or otherwise not mine is attempted to be collected upon. Interogation of my XXXX year old mother has her very upset. I do not owe any debt to XXXX XXXX XXXX XXXX or any of the zombie debt purchasers.
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA
I received notification of a medical bill being owed from XXXX XXXX XXXX. I asked the company to verify the debt and was told they had already done so. I explained I had relocated a few times so please forward me the information. My spouse was in the car when a representative contacted me and the call was on speaker through the car. She informed him the debt had to do with a XXXX test and XXXX   check. This caused an argument between the two of us in which I had to disclose XXXX I had suffered and that is why I went to XXXX. I did reach out to the collection agency and informed them the bill amount was incorrect because I never took a XXXX test. Sh stated it is standard for hospitals to give one. I informed her I am XXXX XXXX XXXX XXXX since XX/XX/XXXX therefore the doctor would not have done so. I asked if she could contact XXXX and get the amount of the XXXX test removed because XXXX will not speak with me due to the debt being purchased by California Business Bureau. I even stated I a willing to pay the entire amount due if they can remove it from my credit reports because of it being an inaccurate amount. Both the representative and the Supervisor stated no because a complaint from my representative was made against the company by a Mr. XXXX. I was informed if this is not pain they will report it each month on my credit as a new debt and begin legal action. I understand it is the collection company 's right to collect what is owed but it appears as if I am being punished due to a complaint lobbied against them in reference to me by my realtor. 
I have spoken with this company between XX/XX/XXXX and XX/XX/XXXX.
On Friday XXXX XXXX I received a call from Diversified Consultants Inc from number XXXX. When I discovered it was a debt collector who purchased my account from XXXX I advised the caller that they had called a business line and stated they were not to call this number again. Just shy of 24 hours later I received another call on the same phone from this company from XXXX. I also find it funny that this company has called twice from a XXXX area code which is local to me but they are actually calling from XXXX, FL! I did not answer the second time and called them back this morning to inform them of the complaint as well as let them know if they call me again I will proceed with legal action.
On XXXX XXXX, 2015 I try using my Navy Federal Credit at XXXX and because insuffient fund it was decline the XXXX Tech had swipe back Card several times. When I realized that I did not have enough money in my account I transfer funds from my saving account into my Checking Account and having to return items I wish purchase. By returning the items bring the purchase total down to a reasonable amount for the bank can approved the purchase. The Navy Federal Credit Denied my purchases XXXX more and customer and XXXX did not help process the purchase the I left went XXXX and it happen again so today I call Navy Federal Credit Union at less XXXX today.
I purchased XXXX XXXX XXXX card ( issed by incomm, XXXX ) for XXXX with {$500.00} each. They just freeze my money for no reason ( the rep told me that it is a random check ), and ask me to provide additional information to unfreeze my money.
XXXX XXXX XXXX CEO Chase Card Services c/o Executive Office XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Re : Freedom Account Ending In XXXX Dear XXXX XXXX, I am writing in regard to your notice dated XXXX XXXX, 2016, and in up to conversations held with Customer Service and with Branch Manager XXXX XXXX. 

As a long term Chase cardholder, I am shocked and appalled by the response I received to my request to retain my Chase Freedom card. The employees I spoke with claim that the closure in response to inactivity, but have refused to renew the card on the basis of account activity after the date of your notice. In addition, they claim that Chase 's decision not to renew the account will not negatively impact my credit, despite the fact that it will reduce both the length of my held accounts and my DTI, therefore lowering my credit score. 

Chase argues that its actions are not an adverse action because the account is being closed due to inactivity. However, refusal to consider activity after the date of the notice when the account continues to remain open for an additional two months renders the argument specious. Clearly, Chase has decided to end the account regardless of any activity. Therefore, the decision is an adverse action, though no adverse action notice has been issued. 

Even if Chase is successful in defending its actions under Regulation XXXX, Chase 's actions constitute a UDAAP. Specifically, they meet the definition of an unfair practice. Per the Dodd Frank Act, an act or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumers or to competition. 
In this case, Chase 's actions are likely to cause substantial injury because it will negatively impact the length of my credit history and my DTI, resulting in a lower credit score. The injury is not reasonably avoidable since Chase failed to provide any notice of its intent to close the account if I did not begin using it, and refuses to renew the account on the basis of activity between the notice date and the date of the existing card 's expiration. In addition, several Chase employees have offered me the opportunity to apply for a new card to replace the XXXX schedule for closure. The opportunity to apply for a new account, even with the same credit line, does not mitigate the injury to my credit since a long established account provides different benefits than a new account. Finally, the injury is not outweighed by some countervailing benefit. Surely, Chase can not reasonably anticipate any benefit to itself or its customers by instituting a policy that results in replace existing, long term card accounts with new card accounts held by the same consumer. 

I again request that Chase maintain my account. Should this request be again denied, I intend to obtain legal counsel to protect my financial interests. 

Sincerely, XXXXXXXXXX CC : Consumer Financial Protection Bureau XXXX IA XXXX
received call at XXXX on XXXX XXXX 2014. I answered the phone and they asked for XXXX XXXX. I said, " This is her. " They said, " I would like to verify your mailing address. " I said, " Who 's is this. " He said, " XXXX from ... '' and slurred where he was calling from. 
I had to ask him to repeat where he was calling from and he said " Stellar recovery ''. 
I had to ask what is stellar recovery and he said it was a collection agency and that he did not want to disclose any more information about it. I said, " Well I do not want to disclose my personal information to somebody I have no idea what it is. " He said, " I will document this '' and then he hung up. 
i feel harassed, just because i dont want to give up my personal information to someone who refuses to tell me why they are calling who they are who they represent or what debt i owe, I 'm somehow being reprehended by receiving a negative documentation.
I became aware when I checked my credit report that this debt collector under the name of SEQUOIA FINANCIAL SERVICES , INC has reported incorrect information that I owe the amount {$400.00}, I have sent a notice of state and federal validation of debt.
I have an acct on my credit from CMRE FINANCIAL SERVICES in the amount of {$330.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. If they are unable to provide documentation. I want this removed from my credit immediately.
A recent Equifax security breach has resulted in my personal and confidential information in the hands of entities that should not at any time have access to it. I believe my information was improperly secured and I am concerned that Equifax is not taking appropriate precautions in securing personal data.
XXXX and continues to withdraw money from my checking account even after FTC has sued One Technologies. We have never used these companies and do n't know how they got our personal Info. Case # is above ( XXXX )
Two 30-day late mortgage past due payments that were directly caused from Wells Fargo website malfunctioning. I have 3 mortgages with Wells Fargo and pay electronically every month prompted by a monthly alarm I have set on my phone. While trying to pay my XXXX XXXX mortgages electronically an issue occurred when Wells Fargo had changed their website in the XXXX/XXXX  XXXX timeframe. When I logged in and tried to pay, it would act as if it was processing the payment and then a prompt would come up saying " No Internet Connection '' and it did not give me a confirmation. I tried several times logging in and out, but it still gave me this message. I was at work and needed to go to my next meeting so I thought I would try again later from home. Unfortunately, I completely forgot and didn't realize until I went to pay the mortgages the next month. I then immediately paid them in full. This time it would let me pay the 1st mortgage, but when I tried to pay the 2nd one it gave me the " No Internet Connection '' message again. This issue went on until the XX/XX/XXXX timeframe in which I was required to log off and log back on to pay each individual mortgage, often having to log on and off more than once to get it to work per each of the 2nd and 3rd mortgages that I tried to pay. As of XXXX it appears to be working correctly and I have made no changes to the computer that I am using or the networks at work or home. I called Wells Fargo to explain my situation in XX/XX/XXXX and the customer service representative that I spoke with told me that it would not go on my credit report because I had caught it in time. However, I recently applied for a vehicle loan and the lender informed me that I had two 30 day mortgage past due flags from Wells Fargo on my credit report. Other than this issue with the Wells Fargo website I have been rock solid on payments for years usually paying within 1 to 5 days of the beginning of the month. With the aforementioned in mind I had respectfully asked that Wells Fargo remove the 30 day delinquencies from my credit report and after their review they denied my request. I would like assistance to get these 30-day delinquencies removed as they were directly caused by their website malfunctioning. 

3 Wells Fargo Mortgages : XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, XXXX XXXX
I have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 Transunion XXXX XXXX XXXXXXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on 3XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.
I am a first home buyer. I found a house that I liked and I was accepted an offer on a house. Initially, my wife and I started with XXXX XXXX for our mortgage, but I decided to shop around for other deals. I found XXXX Bank and I and I am in the process to move my mortgage loan with them. It 's true that I have been with XXXX XXXX longer because I initially started with them. I received phone calls from XXXX that they will offer me a better deal ; right now, all I want is for them to close the mortgage and send Appraisal to my XXXX bank. I heard that XXXX are very good at sales but they put pressure on people in order to keep their mortgage with them.