WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my report and noticed several Hard Inquires I did not apply for and request they be removed.

1. XXXX  Auto XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. XXXX XXXX JXX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. XXXX /Airlines I did not apply for this, I don't even fly.
Did not sign for loan and my name was listed on the account. I called and was told that Wells Fargo could not do anything about it. The loan was for home improvement that my husband opened. My signature was not given. I had to pay off the loan of {$7000.00} so that my credit would not ne harmed.
{$62.00} paid confirm -XXXX paid today 2 months plus late fees. I have been unable to get through your automated system hence late fees. Disturbing - please call back, extensive wait times etc. I and perhaps many penalized for your system failures. hank you for contacting Kohls. 

Regrettably, this email address does not accept replies. If you have a question regarding the communication you have received, please contact Kohl 's at XXXX. We appreciate the time you took to contact us and look forward to serving you again. DO NOT REPLY TO THIS EMAIL. 
CONFIDENTIALITY NOTICE : This is a transmission from XXXX XXXX XXXX XXXX XXXX XXXX 
and may contain information which is confidential and proprietary. 
If you are not the addressee, any disclosure, copying or distribution or use of the contents of this message is expressly prohibited. 
If you have received this transmission in error, please destroy it and notify us immediately at XXXX.
As the client 's XXXX XXXX I have been trying to obtain the Promissory Note for the client since XX/XX/XXXX in order to apply for Hardest Hit Funds in NC. The client has called several times, as the XXXX XXXX XXXX I submitted a new Third Party Authorization on XX/XX/XXXX according to their requested specific  guidelines that the agency name and phone number had to be on the same page as the clients signature. When I called back today XX/XX/XXXX Citi Mortgage then informs me that the client has to be present for them to provide me with the document. At no other time have they relayed this information to me. Then when I told the agent that the client has also called several times and requested the Promissory Note but it has never been received there was not answer for this.
XXXX is not licensed to practice business in the state Washington. Illegal loan interests ( approx 700 % ). I had two loans. 1st {$500.00} and 2nd {$300.00}. I was looking to have my 1st loan with intetest and principal amount refunded because loan was fradulent. I requested {$1500.00}. I contacted the XXXX XXXX loan manager via email several occasions. Beginning XX/XX/XXXX through XX/XX/XXXX. XXXX only refunded {$51.00} from the second loan and paid the loan in full.
Date : XX/XX/18 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Transunion Consumer Dispute Center. 
XXXX XXXXXXXX XXXX. 
XXXX, PA XXXX RE : XXXX XXXX # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX # XXXX which you claim is past due. The account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be  liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. Better Business Bureau
Dear Equifax, XXXX XXXX, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State  including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX XXXX ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!
Good Afternoon, This relevant to previous CFPB complaint # XXXX and supporting documents filed there. <P/>The final disposition of that complaint was that Suntrust agreed to move forward on a loan modification without requiring the signature of my ex-husband who is a hostile party. <P/>The final decision came through after I convinced him to sign with attorney threats and the signed docs were already enroute to Suntrust to meet the offer deadline. <P/>Suntrust then left it there and did not revise the documents so as they stand, his signature is still on the account. <P/>I requested that they remove him from the account based on their agreement to do so during the modification process which was based solely on my own income information and issued solely in my name ( but requiring his signature ). <P/>At this time I requested that he gets finally removed ( divorced in 2010, quit claimed off the property all supporting docs you have on file in the prior complaint ) and they have said no in three ways and are still passing me to new departments to discuss. I have spent an hour yesterday over two phone call and a phone call today with yet a promice that a 4th person will get back to me but the stance from each person remains that removing him is not an option.
I have disputed XXXX Chapter XXXX BK 's with XXXX Balances and a Tax lien that does not belong to me. I called XXXX that they are getting this info from that was on my Equifax credit report. They told me the last time Equifax received information from them was in XX/XX/XXXX. I have been disputing the BK issues since XX/XX/XXXX. I have repeatedly asked them to show me proof with my signature that those BK belong to me, They need to pull a new report from Lexis Nexis and show me proof with my signature, I already called the BK Courts and they clearly stated to me that they do not report to any credit agency. Information on BK filings can be incorrect. If this is n't done then I will fill another small claims suit against them. I already filed a lawsuit against XXXX XXXX XXXX the CEO of Equifax adding this tax lien on my credit report, the court case is XX/XX/XXXX. He has already been served. I will do the same if those XXXX BK 's and tax lien on my credit report are n't removed at once.
There are numerous complaints logged concerning this matter and still it remains unresolved. Just what does it take? I have contacted the company my balance   XXXX    paid in Full  XXXX   XXXX  did not close the acct but was advised by the creditor " the account credit line remained open for purchases. '' I have filed the written  XXXX  character explanation. I have contacted the creditors and still this company can not post correctly. Last report I was informed it would take 60 days and the multiple complaints open for months. Mortgage paid  XXXX  Balance  XXXX    XXXX  ! 2 Months more unacceptable. This report number  XXXX   XXXX  Impacting me financially significantly showing debt that does not exist.
During the past year as a Lending Point customer I have encountered many problems. The due dates, payment amounts, and late payment information has been inaccurate and still is. Lending Point has failed to update it's systems and that that resulted in an erroneous negative late payments being reported to my credit report, harassing phone calls, and extended wait times when calling to report and correct the issues. 

Recently Lending Point has changed their web site to include a 2 % transaction fee on all payments made via their web site. In an attempt to avoid this exorbitant new charge I recently called to make a payment and now they charge on all phone payments as well. With the payment amounts the 2 % fee can be very expensive, My average payment to Lending Point is {$1000.00}. This would mean an additional {$20.00} charge just to make the payment.

Working with Lending Point has proven to be very difficult and they do not have the customers financial success or future in mind. Lending Point continues to create obstacles that obstruct payment ease, accurate payment amount and due date information, and consumer friendly access to accounts.
This company is trying to collect a debt that the VA has already paid. This is in additon to XXXX others they are trying to collect that the VA paid
I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX  and after reviewing my credit reports provided by the XXXX, Equifax and XXXX, account, XXXX/XXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per XXXX  report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, XXXX reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to Equifax. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!
Pre recorded msg states they are collecting adebt for a name I never heard of. Says if I am not this person hang up otherwise I am acknowledging I am this person. I have tried call block but switch their number. Caller ID says XXXX offices. Numbers start with XXXX.
I have been receiving numerous calls from the company daily. They call from various numbers which I have asked them to stop calling. The calls are daily. I spoke to a female and she told me the calls wont stop, going as far to say I wil have some legal Issues if it isnt paid.
Loan account through XXXX XXXX XXXX was closed and charged of in XX/XX/XXXX with a balance of {$4000.00}. I filed a dispute in XX/XX/XXXX with the three Credit Bureaus regarding the validity of this account. XXXX XXXX responding by increasing the balance owed to {$10000.00} which is now reporting to the Credit Bureaus.
I received a loan from the cash store for a total of {$2000.00} and was told that the payments will be deducted from my checking account if I was not able to pay. I have been charged an overdraft fee because the funds were not available and even though I notified them in advance the my told me that there was nothing that could do besides refinancing my loan and making me start all over for a payment that was only about {$100.00} dollars cheaper but still almost unaffordable. My payments are currently {$500.00} and I can not afford them I am being charged upwards of 400 % maybe even more.
I have disputed this debt on several Occasions and the debt collectors portfolio has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are portfolio recovery and XXXX please remove these account
I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XXXX of XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX mortgages. XXXX XXXX  the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial XXXX meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you. 

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.
I signed up for a 7 day free trial for credit monitoring with Experian. That free trial was to end on XX/XX/XXXX. On the evening of XX/XX/XXXX I cancelled the free trial and removed my debit card information. On XX/XX/XXXX I called Experian and spoke with a young man who informed me that my account was cancelled and no credit/debit card information was retained. On Friday XX/XX/XXXX my  account was debited in the amount of {$23.00}. I immediately contact Experian billing and was informed my account was indeed cancelled however the charge was pending and there was no way to stop it. He then transferred me to a woman who was quite rude and combative in her tone. She went on to explain the even though I cancelled the free trial and removed my debit card information, the system had already begun processing it and there would be no way to stop it. I told her I wanted them to refund the amount back to my account. She told me to contact my bank, when I told her I was not going to contact my bank because the dispute process was over 30 days she stated she would process the refund and I should see it in my account within three days. I then inquired about any fees I would incur from my bank when other payments that were authorized would be declined. She stated there is nothing they can do about those fees and to contact my bank, when I told her my bank did n't make the mistake, she simply said there is nothing we can do because we are n't obligated too. At that time I became angry and disconnected the call. On Monday XX/XX/XXXX I called to confirm that the refund had been processed, the gentleman on the other end of the phone stated he could see the credit amount of {$23.00} however no refund had been processed. I am filing this complaint because the first rep should have done so without personalizing her decision not too. She should have remained professional regardless of the discussion and my anger due to her tone.
I requested a loan modification from Ocwen Loan Servicing on our first mortgage, acct XXXX. Submitted all the required paperwork a minimum of XXXX separate times. 
On XXXX XXXX, 2015 we received a letter from Ocwen stating we were delinquent and in default. They stated beginning in XXXX 2015 through XXXX 2015 they did not receive payments each month of {$570.00}, and that we needed to pay {$1300.00} to bring the loan current. Against my better judgement, we sent them an overnight XXXX of {$1400.00} using our XXXX. I checked with Ocwen this morning, they received the payment. Anytime we have called their Customer Service we get nearly impossible to past impossible people with extremely foreign accents, and everyone of them claims they can not hear us - we have yell ... .I am attaching a copy of the letter we received, along with bank extracts showing our payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2015 ... ...
I CALL IN XX/XX/XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN XX/XX/2015 NOTHING HAS BEEN DONE
I am being contacted by letter from XXXX XXXX Tx XXXX XXXX for a loan from Ace that I never applied for. The amount is from what this XXXX guy said was for {$500.00} and something dollars back in XXXX. Stating an address that I have never borrowed money from them living at that address. The accrued Balance is now {$2000.00} with an settlement offer of {$680.00}. The only time I have ever borrowed money from Ace was when I lived in XXXX back in XXXX. I had paid that loan down to {$200.00} and ended up in the hospital with XXXX the day before it was due. I called them from my hospital bed to inform them of my situation. They would not let anyone go down and pay it for me. The day I got out of the hospital I went to go pay it however they would not take my money because it was late by a day or two. I was contacted by Ace with them wanting me to pay an outrageous amount on the loan which I could not afford. That loan was discharged on my credit back in XXXX or XXXX. In XXXX I was contacted by phone by someone who was threatening me with a law suit and I was trying to work out an arrangement with them on the amount of {$200.00}. I paid them {$50.00} over the phone. I then started getting daily calls stating that they needed more money. I told them I did n't have anymore right now to give. I then started getting phone calls telling me that I was going to get a warrant out for my arrest. I knew then it was a scam. Now after 4 years I am being contacted by letter for a loan I never took out. they have all my info. Friends and family info and I have not dealt with Ace since that time in XXXX. With the threat of a law suit. I told them to take me court because I do n't owe them this {$500.00} something loan they say i owe. I do n't need the stress. They said this loan was discharged back in XXXX. I do n't have anything on my credit about that. They ( Ace ) just keeps these loans alive. Upon speaking with this XXXX guy he did n't even try to really get me to pay any of the amount because I mentioned that I have been contacted by scammers before and this was a scam. However he did get me to confirm some information such as people I know. Could have kicked myself for saying yes I know those people.Also looked up the Company name and no address with this company is in XXXX. Address does n't reflect it either. I picked received a loan I did n't apply for because that was the closest thing to fitting my situation.
I was trying to get a mortgage loan through Fifth Third Bank with XXXX XXXX. I asked to get a loan estimate, and hesaid he could not issue the loan estimate until he received my application, other documents he sent me, and submitted the application to processing. Once those were submitted, he could mail me a loan estimate within 6 days. Per TRID, he is required to send me an loan estimate within 3 days of receiving my name, income, SSN, property address, estimated property value ( SEV ), and the loan amount sought.
XXXX XXXX XXXX I was looking for a minimum $ XXXX higher limit but with no fees, lower interest.The suggestions as per reviews came back as American Express Simply Cash . I tried two times to get the forms fields to fill out correctly and it gave me a message that the offer wasn't available despite it took my information and never gave me a response let alone in 30 seconds as advertised. I had made soft inquiries before without any problems like this and became afraid that I was being info sucked to invade my social security account or some way to hurt me. I was then inquired about my bank info from the site that just claimed there was no offer available. 
I called customer service ( XXXX ) XXXX. The man took my social number and referred me over to another guy who was decidedly XXXX sounding. They had some fake sounding recording beep, and when they claimed my application was there I said I wanted to talk to a supervisor. He put me on hold for 15+- minutes and for a total of 20 minutes so I hung up. This is all too unbelievable compared to other applications.
There is a collection account was reported to credit bureaus but did not recieve dunning notice from collection agency
Earlier in the year, addressee, XXXX XXXX aka XXXX XXXX, applied for XXXX ; upon approval many loans were discharged. Addressee, noticed that Navient possessed a few XXXX loans, which were not discharged. Addressee, XXXX XXXX aka XXXX XXXX, called Navient and requested to know why the loans were not discharged, and a respresentative from Navient stated that it was due to name differences. Addressee, XXXX XXXX aka XXXX XXXX, then went about to gather the necessary information to encourage and quick and speedly discourage, a Navient representative informed the addressee of the receipt of information, which the addressee has via email and other information. The addressee, that Navient has not discharged the loans in question. Addressee XXXX XXXX aka XXXX XXXX, is asking Naviet why the loans have n't been dischanged, to sent the addressee the origin of the loans and to expand why the loans, the year of which, is currently under federal question?