WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I went online to open an account with XXXX XXXX XXXX XXXX. For some reason the online application did not allow me to finalize the account and kept showing me an error message. So I cancelled the setup and did not try again. On XXXX I received an alert that XXXX XXXX XXXX XXXX ran an inquiry on my credit report without my authorization. I called XXXX XXXX on XX/XX/2018 and spoke to the customer service department and explained to them that I was not able to complete the account, therefore I have no account or agreement with them. Furthermore, I was applying for a bank account not for credit and no where in the signup process it said that they would run my credit. I have not signed any documents authorizing them to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If they are in possession of any document that they believe authorizes XXXX XXXX XXXX XXXX or your their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they'll agree that verifying the information is in their best interest. 

Respectfully XXXX XXXX, XXXX
They keep calling looking for my mother, This is my home my phone #, I told them take my number off your call list and never call me again. The first person just hung up on me, They called again I talked to a supervisor told her the same, Do not call, wrong person, wrong number, she asked if I was a lawyer, made a " scuff '' sound in the phone and hung up. Got called again, and spoke with a XXXX XXXX, asked her if any notes on the account mention not to call. She just hung up on me.
I was laid off and still trying to manage everything at the time my mortgage was {$820.00} rounded off. I was attempting to pay something every other week to stay on top of things. I was making my payments through the automated system until I was unable to do that so I then started calling in to make payments, some agents would take payment and some wouldn't take payment because it wasn't the whole amount. It's been a couple of things I find strange. 1. My mortgage went up and I didn't have a clue about it going up to {$940.00}, so everything that I had been paying was based on the {$820.00}. 2. I received a letter stating that an amount of {$3300.00} was due on XX/XX/XXXX. I called in concerning making a payment in XX/XX/XXXX, and of course, at this time no payments are being taken from me because the foreclosure process had started. Not only that I was told a completely different amount of the {$3300.00} that was in the letter, it was then {$6000.00} plus. I asked how did it go from {$3300.00} to {$6000.00} plus and never got an answer on that for me to understand why the letter stated one thing, and I was being told something else. I then asked about my options to see what could be done to save the house. I'm a little confused or don't completely understand the law about going through a modification process and being in foreclosure at the same time. My First sale date was XX/XX/XXXX, and now XX/XX/XXXX. It seems that we're spinning wheels now in this process because I'm being asked for the same documents over again that CitiMortgage has already requested and I provided to them. This request was made on XX/XX/XXXX, which I submitted to them through XXXX on XX/XX/XXXX. Based on the email from XX/XX/XXXX and a letter I received from CitiMortgage stated that the documents asked for in the email and the letter are the documents needed to determine the final decision. I received an email today stating that the file has been sent back for review, as well as two text messages on XX/XX/XXXX and XX/XX/XXXX stating that my application is with underwriting which can take 30 days and they will keep me advised.
Earlier this week, Equifax announced they had a cyber security data breach that affected many people. Based on their link that tells you if you may be affected or not, my information may have been affected. This is unacceptable. I try to make habits of protecting my credit, and this company just negatively affected millions of lives. Based on the fine print, if I register to get a year of free credit monitoring, I forfeit my right to sue. This is also unacceptable. Just because someone may have took my information does not mean they will use it within a year.
On or about XX/XX/2017, XXXX XXXX XXXX completed an order for XXXX in XXXX XXXX, CA about me. ( Order XXXX XXXX, XXXX XXXX ) In this report were items about me that are outdated, and it being a 'Level 3 ' report, criminal records were disclosed that are more than seven years old plus.

I don't know the scope of 'level 3 ' reports, but this one led to an adverse action taken by the company, XXXX . 
I strongly urged the company to remove said records about me, for I am in the process of paying the courts back all of their fines and fees imposed pursuant to statute and orders, pursuing restoration of my civil rights, and have not been a recidivist. 
I hold a Level 1 fingerprint card with Arizona Department of Public Safety, and this type of information does not accurately reflect my current activities within the public sector and private. 
I will pursue any and all remedies available to me as a consumer including litigation. 
Please kindly reply with your response to my request, as this is not the only report that has led to adverse action against me as an applicant. 
I take great care of patients, clients, and hold the highest level of clearance this state offers for student doctors, and investigators. 
Adverse action was taken by two different employers that included being denied employment solely on the grounds of the existence of this slanderous information.
I received a letter from ERC dated XXXX XXXX, 2017 with a third parties name on it ( XXXX XXXX ) claiming that I owed their company for an alleged debt. The letter also stated that I had 30 days to dispute the validity of this debt. I sent ERC a certified letter and they received it within the 30 day time frame. However the same day they received the letter they placed this item on my credit report.
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I disputed the validity of this debt, and I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt.
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Per this requirement ERC must delete this trade line if they do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) It has been almost 60 days since they received my certified letter and they are refusing to comply with the Texas Finance Code. I was also unable to locate a surety bond for this company, which is required in my state for them to collect on this alleged debt.
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Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me pursuant to Texas Finance Code Sec. 392.403.
Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, TransUnion and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Equifax did not properly " reinvestigate '' the false item on my credit report that does not belong to me. It did n't not tell the method it used and did not provide me with copies of her supprporting documents to support its conclusion. And, most importantly, it did not remove the erroneous item.
TransUnion is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.
I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked both   XXXX  ( CRA ) as well as  XXXX  ( Creditor ) to f urnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .  XXXX  does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to  XXXX  several time after each dispute requesting documentation, the person who is verifying this information and the method that  XXXX  is using to verify. I was just told by a  Supervisor   XXXX   ( wou ld not furnish last name ) at the  Dispute dept. of   XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your   XXXX  Credit File activ ities within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized  XXXX  to deliver online.  <P/><P/><P/><P/> R esults  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX   E xpired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
Someone Used My Social For Apartments I never stayed in, I have several evictions dates on most I was underage .Now as an adult I 'm having trouble finding a place because of the evictions on my credit ... May have been a mistake and you guys placed it on the wrong credit because me and my father have the same name and these were places he stayed not me
On XXXX XXXX XXXX, I received a message from Macy 's American express asking if I was trying to make a fraudulent charge in the amount of XXXX, I replied no, then they called me to verify and cancelled the card, buy they went ahead and authorized the charges, plus XXXX more, for a total of XXXX. 
I have sent the dispute letter XXXX times already, call them on a daily basis and they have n't resolve anything.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / XXXX / TransUnion XX/XX/2017 RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Citi Bank Shut down my Credit card s Accounts for no reason and all of a sudden The credit cards was established in   XXXX   and after which should represent and play an important role in the Ages of my credit if they where still open. pls see attached chart from experian where the chart shows that Age of credit History factor around  % 30 percent from my FICO credit score now i have to pay the price very high and are very costly to take out a mortage loan with my only current credit score   XXXX  FICO so i have to jump to  XXXX  to get those Pricing for the  APR on the loan see attached estimate from my loan officer i called today Citi Bank Credit cards C ustomer service on  XXXX   XXXX  and tried to reopen an account that was closed previously but it was denied automatically they only keep the accounts that i shows it was closed by consumer in customer service System, the account that is closed by credi t grantor they keep it in the ARCHIVE where no one can access it according to what they are Saying but they forgot that those account shows on my credit report pls See attached report page 5 and 6 Customer Service at CITI CARDS calls will go no where and supervisor wo n't help they refuse to open any old account and they are not aware that they Damaged my credit report even tough i had a great payment history with CITI cards among all the 7 to 10 Credit cards i had with high Credit Limits
On XXXX XXXX, 2016 I wrote a check to Wells Fargo Mortgage for {$3600.00} to pay off my mortgage. This was the payoff amount I was quoted by both their online site and a bank officer at their branch. The payoff amount I was led to believe included all interest due and processing fees. The bank has since come back told me that I have interest due and a processing fee of {$18.00} due. After talking with Wells Fargo they have agreed to waive the interest charge, but not the processing fee of {$18.00}. I have paid the bank in full and should owe no more money.
HelloCapital One took me to small court in XXXX Texas, court dismissed case, capital one attorney discover it 's fraud account, capital one will not take it of my credit bureauI do have certified letter from court, please what is my optionsmy name XXXX XXXX XXXXXXXXXXXXphone number XXXX XXXX XXXXTHANKS
A COMPANY NAMED XXXX ILLEGALLY DEBITED FUNDS FROM MY CHECKING ACCOUNT ON XX/XX/XXXX IN THE AMOUNTS OF XXXX, XXXX, XXXX, XXXX AND XXXX. 
ON XX/XX/XXXX, MY BOYFRIEND USED HIS BANK OF AMERICA CHECKING ACCOUNT TO PAY FOR MERCHANDISE IN THE AMOUNT OF XXXX TO XXXX. I FAXED THIS INFORMATION TO BANK OF AMERICA 'S FRAUD DEPT AND I WAS SUPPOSED TO BE REIMBURSED FOR THESE UNAUTHORIZED CHARGES. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE MATTER AND I 'M VERY UPSET BY THIS WHOLE INCIDENT.
I completed a Forbearance plan, with a down payment of {$3500.00} and XXXX additional payments of {$2000.00}. However, after making all of my payments I was told the amount was n't accurate and I owed additional money. 
Each month my mortgage statements have a different amount owed. Recently I requested additional information and received written correspondence XX/XX/XXXX from XXXX XXXX, case manager customer support department of Bayview Loan Servicing. The letter stated my correct payment would be {$1600.00} rather than the {$1800.00} reflected in previous statements. However, my new statement indicates the payment amount of {$1700.00} for XX/XX/XXXX. Again differing what was listed in the written letter. 

Listed on the Customer Account Activity Statement dated XX/XX/XXXX myloan interest rate is reflected at 3.25 %. However, on all of my statements itis listed at 4.25 % which I 'm currently being charged. 

XX/XX/XXXX I received written correspondence from the Bayview LoanServicing, Insurance Department stating they had received appropriatedocumentation for my private home owners insurance. I have maintained a privateinsurance policy through my HOA and an additional policy through XXXX XXXX. 
However, I was charged {$970.00} ; XX/XX/XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXX Homeowners Insurance Premium $ XXXXXXXXThis amount has n't been credited to my account and I continue to be charged ahigher amount for my escrow account based on inaccurate numbers. In the AnnualEscrow Account Disclosure Statement dated XX/XX/XXXX it is reflected my escrowaccount had a shortage of {$1700.00}. I have received the current property taxbill for the XXXX tax year. The total amount due is {$2600.00}. I amcurrently being charged {$350.00} a month for escrow. As of the XXXX XXXX, XXXXmy statement reflects I 've paid {$2500.00}. 

I have tried to work with staff assigned to my account. I had a XXXX minute phoneconversation with XXXX XXXX XX/XX/XXXX. The outcome of that conversation was the letter generated by XXXX XXXX XX/XX/XXXX. I attempted to follow up with XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not one of my phone calls wasreturned. I am desperate to find someone who can assist me in resolving theabove errors and moving forward. I am concern with the lack of follow throughand do n't know what else to do.
I wired money to PayPal from my bank on XXXX. The money was withdrawn from my bank on XXXX XXXX. I checked my paypal account on XXXX XXXX and the money was n't there. I called them and was told it takes 3 to 5 business days to get the money and was informed the money would be credited to my account on Wednesday at XXXX. When I told them that was not acceptable, they told me that that was how ACH works. I know this not to be the case as I make 2 or 3 wires a week. Usually the money is there the same day or the very latest the next day.
THIS IS NOT A DUPLICATE!!!! THIS IS NOT A DUPLICATE!!!! It is a failure of the company to accurately follow the law and report correctly!!!     I even spoke with them over the phone on  XXXX   XXXX  and they assured me it would corrected immediately. My most recent credit report still shows late payments and inaccurate information.     I again am requesting Experian follow the law and fix my  XXXX   XXXX  Account.     They did fix parts of the entry but they again did not follow federal law. The  XXXX  the balance and closed the account but the status is inaccurate. Federal law states that it should say the following.     The account status should read : Included in Chapter  XXXX .     The information about charged off should not be on the account!
Mortgage representative, XXXX XXXX, with Quicken Loans specifically told me that my refinance loan would be locked in at 3.5 % with no points or closing costs. When I got the paperwork it showed 3.75 %. I have the emails and message board showing his promises.
XXXX collection account is reporting on my credit for a long time. I disputed this account several times and always come back verified. The thing is that I called directly to the agency ( XXXX ) and they are not able to find any account under my name, social security number, addresses, previous phone numbers, date of birth ... All personal identity information was provided and they never found me on their system but still reporting the false and damaging account on my credit as verified and accurate. I requested in writing several times a validation of debt such as signed contract but credit bureau and the creditor never complied. Transunion and XXXX continue reporting inaccurate and invalid information on my credit without any valid reason.
Naviant holds the loan. I make my payments by sending return receipt so they must sign for the payment ( in the past they lost a few ) so I know they receive them. However Naviant still calls me every day and sends emails saying my payment is late or that I 'm in default when I clearly know I 'm not. I have all the receipts and am current and up to date. However Naviant continues to harass me every day calling from multiple different numbers at various times of the day and night.
As I was going through my credit card statement one day back in XXXX XXXX, I noticed an extra interest charge that read " cash advance '' In XXXX again, I was checking other statements starting from XXXX XXXX through now and noticed a {$510.00} cash advanced charge plus all the interest they have been charging me. I was falling behind on my payments and that is why all the interest and amounts finally caught my attention. Not knowing why the charges were there, I called Capital One to find out and the person that I talked to said that the charges are for a supposed {$510.00} cash advanced withdrawal, which I never made. He said it was related to the " cash advanced '' for XXXX XXXX. Which I never made. I went to one of the branches and I was told that I had to disputed directly with the credit card, which I already did. If you could please help me out with this situation.Help me clarify this transactions.
Hello, Thank you in advance for hearing my complaint. 

I am 2 years in application for mortgage assistance with " Keep Your Home California '' and " XXXX XXXX XXXX, XXXX ''. 

What started as a few months delinquent has now become 2 years in arrears. Due to delays with processing and changes in equity value I 've been encouraged to re-apply over and over again. Wasting time and increasing my arrears to currently over {$70000.00}. 

Now while still awaiting final decision regarding XXXX assistance, my lender, ( SLS ), has moved forward with Trustee Sale. I now have a sale date of XXXX/XXXX/XXXX and it 's escalated my situation into forcing me to sell my home to avoid loss of existing equity. ( potentially approximately {$200000.00} ). 

I was told that a sale date would not be set until the XXXX decision was finalized. 

Any information and assistance in pursuing this matter and saving my home is greatly appreciated.
This is for  XXXX , i disputed with all credit beurau and was removed form   XXXX   on   XXXX    XXXX      but keeps coming back,
I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016, XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
I got recent modification ( XXXX/XXXX/2015 ) for my mortgage from OCWEN SERVICES for my house located at XXXX XXXX XXXX, XXXX, Tx. XXXX. OCWEN are adding something to the principal and I think is too much money added. Can you please help me to clarify with them what kind charges in addition to this mortgage loan. 

Thanks XXXX XXXX
This account was paid in full of XX/XX/2017. I called the representative to verify and they stated that i was never delinquent or missed payments. The account is in good standings. The representative said they will have all credit bureaus remove negative items but nothing has happened
Mailed in payment to settle debt in full but  Portfolio Recovery Associates, LLC continues to report a balance on my credit report. The company had previously sent me an offer letter t o settle the debt to pay {$590.00} and that is the amount I wrote the check for. I specifically wrote on the check that the amount settles the account in FULL. The check was cashed o n   XXXX   XXXX    2017. T h e company has updated my credit report showing that I owe {$190.00}.