WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX   XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I was called by a collection agency ( Account Discover Systems ) regarding someone else 's debt. I instructed them not to call my number and the representative I spoke with got rude with me. I asked for her to stop calling my number with regards to the person 's debt, and she still insisted on getting smart with me.
THE COMPANY EXPERIAN REFUSE SEVERAL TIMES MY FREE ANNUAL CREDIT REPORT,
Our loan was in good standing until it got transferred or sold to Ocwen. It has been nothing but a struggle with them for the last year in a half. They dont take payments and then when I call to get the issue resolved i struggled with people overseas that didnt care. They would tell me that I would have to enter a repayment plan and have to put a huge down payment down and i would and then i would make a payment and they wouldnt take the payment and then i would go through the whole process again, but then they would not take payment again and now the loan is XXXX months past due and im at my last wit ends with them. I need help, this company needs to be shut down.
This account has pass the statue of reporting as of XXXX2009. 
When a delinquent account is reported it is reported for seven years from the date of the original date of the first missed payment, which it clearly shows the first date of a missed payment is XXXX2009. 
I will fax the evidence.
This debt was already paid, however it was n't mine, and it 's on all XXXX of my credit bureaus saying it was a paid collection. They never removed it! A {$96.00} debt!!!! Seriously?!!!
Upon reviewing my current credit report from your bureau, I came across the attached highlighted item, and I do n't think it is mine. Would you please remove this item from my credit report? 
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item AMERICAN HONDA FINANCE disputed by name of AMERICAN HONDA FINANCE is  inaccurate because I did not used or gave my personal information to this creditor. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Credit Report
The company FBCS sent me a letter trying to collect a debt that I disputed with another agency in XXXX 2017.  The previous agency has removed the debt from my credit report because they could not validate it. Now FBCS, is trying to collect on that same debt that was obviously sold after validation could not be proven.
I had a car through CNAC ( JD Byrider ) that was since repossessed. For three months in a row, CNAC made hard inquiries to my credit report without my authorization. I did not authorize these inquiries.
I called credit systems on XX/XX/XXXX and paid 2 credit items off my credit and they still show it as a collection account owed and will not remove it off of my credit after a phone conversation with them.confirmation number is XXXX for {$25.00} for XXXX XXXX XXXX and {$40.00} for XXXX XXXX.
My information was among those affected by the Equifax data breach. As their response has been lacking, ( executives selling stock before hack was disclosed, sending wrong information as to who has been affected, and not outlining any corrective measures ) I 'm complaining because I have had to freeze my credit reports in the hope that will my credit report from being abused. 

I had to pay a {$30.00} in fees to freeze all 3 of my reports ( XXXX, Equifax, and XXXX ).
I filed a dispute for a charge on my credit card with Bank of America on XXXX XXXX, 2016 for a charge dated XXXX/XXXX/16 for {$280.00} from XXXX XXXX XXXX. I stayed at XXXX XXXX XXXX the previous week but used a different card. I gave this card for charges for " incidentals '' of which there was none. When I checked out, I was not informed of any charge and when I called the hotel, they could not tell me what the charge was for. as of today ( XXXX/XXXX/16 ), Bank of America has not given me temporary credit for the charge, which they are required to do after 10 business days, which was XXXX XXXX, 2016. When I call Bank of America, they tell me that the temporary credit will be given that day, but it never is. I have called on XXXX different occasions. I just want them to comply with the Electronic Funds Transfer Act ( Regulation E ) and give me my temporary credit.
Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and every account within 15 days. If not all accounts should be deleted. The bureau has not provided any type of proof of any account on my report besides the word verified.
In XXXX of this year, I pulled my credit report and found a collection account for XXXX XXXX College. My id was stolen in 2013 and I 've been battling with that since then. I contacted XXXX XXXX and sent my police report. They rectified the situation. About a month ago, I pulled my credit report and found a collection account for XXXX XXXX for XXXX XXXX. I filed a complaint with the BBB. XXXX  refuses to remove the account. The person I 've been in contact with is XXXX XXXX.
On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX. 

I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.
There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to TransUnion to have it removed and they performed an investigation witch did not remove it from my credit report.
I have contacted Portfolio Recovery Associates on several occasions requesting that this debt either be validated or removed from all XXXX of my credit reports. Portfolio Recovery Associates has failed to provide me with adequate validation. They have yet to provide me with that they have been assigned to this debt by the original creditor or any original documentation from the original creditor.
Why is getting TransUnion to investigate something impossible? This is my 4th request sent certifeid. I do n't know why I must spend so many countless hours on this. It feels like they are n't even actaully reading my letters. 

I do not wish to file a lawsuit. 

See attached.
I responded to an online Ad for a free consultation with California XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation right ended on XXXX business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.
I disputed this account and 2 agencies removed it. However Equifax did not and it has severely impacted my credit. 
This account was never mine. I didn't live in XXXX at the time or at the address of the account ever and it is an electric company in the state of XXXX. 
Date of first delinquency is XX/XX/XXXX ( with the collection company, not original debtor who couldn't put it on my credit report. ) Date opened XX/XX/XXXX I have lived in XXXX  since XXXX. 
The original creditor removed it when I proved years ago it was not my debt. 
They sold it to XXXX who continued to harass me for years and on XXXX put it on my credit report. 



Creditor XXXX XXXX XXXX phone XXXX Account number XXXX
I had a secured credit card with XXXX XXXX for several years and then I was issued an unsecured XXXX XXXX XXXX card. Since I had the unsecured card, I did n't feel it was necessary to have the secured account any longer and I requested that XXXX XXXX close the account. The account was always paid on time and I was never late. As soon as I requested the account to be closed, my credit score dropped tremendously. I am in the process of trying to qualify for a home loan and I think that is totally unfair for the credit bureaus to have that much control and could virtually cause an individual not to be able to purchase a home because they paid off and closed an account. Does n't make sense at all.
debt is not on my credit report they are saying that I will be served or I missed the sheriff who came with the summons! or they sent me a letter ( which I never received XXXX they give me my social security number and my current address XXXX scary ) They told me they could only give me my pay off opts so I could settle the debt asap! They will not give me the court or anything else since I am being sued! The is the XXXX time they have call in in the last year and gave me the same story. They are getting more risky they gave me a address this time but I looked it up and I still cant find information about them!
I have been in an active review with my lender since XX/XX/XXXX. There was no active foreclosure sale date every set, as I was told proceedings were on hold. The lender requested additional documentation around XX/XX/XXXX to where I then came home to a notice of sale on my front door. I do not understand why there is now an active foreclosure sale date without my lender resolving my issue, or at least providing a decision first. I do not believe they are following guidelines and as a homeowner I have my rights.
I am a homeless veteran who finally has a chance to buy a home and since XX/XX/2016 we have been establishing credit card payments, with major card carriers to help establish credit. The XXXX bureaus have NEVER reported any positive credit, now since rates went up it will cost us XXXX of {$1000.00} in interest payments or home ownership altogether. It has also come to my attention that they do this practice mainly on middle to lower income American 's to force higher interest rates.
I went to pay my PayPal bill on XX/XX/2018 on line. Could not bring up payment screen. Called PayPal about the issue and was told my account was on hold for Bankruptcy, I informed them I am not bankrupt, never have been, nor filed for bankruptcy. Was put threw to their investigation department, was told to call back in 10 working days which I did. Was told that I was still under investigation. That I would get a phone call or letter to the results of this investigation. Almost a month has passed still no call no letter. Account still frozen.
I just received notification that this account was added to my credit report. I did not receive a dunning letter..
I have had a law suit filed against me back in XX/XX/2007. I never received any papers on it. I did not know there was a judgement. This year they sent me a letter stating that they wanted to reopen it. Went to court which did no good. They said that they agreed with the company and ordered me to pay the amount I owe plus interest. It is very involved and would like to talk to someone about this. they have refused to give me a copy of the original loan. I am very upset, now they want to garnishee my wages. I do not owe any XXXX and need this to get cleared up as soon as possible. Please help I am at my wits end and seems like no one wants to help me.
I contacted XXXX XXXX at Paramount capital on XX/XX/XXXX in an attempted to settle a charged off debt of {$3700.00}. Collector stated that only the amount of {$3000.00} was acceptable at the time. On XX/XX/XXXX i received a letter from XXXX XXXX stating that {$1400.00} was an acceptable amount to consider this debt settled in full. I believe the collector has clearly violated Section 807 ( 10 ) of the FDCPA which, " prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ''
Re : Loan # : XXXX re : " Missed payment '' letter Dear Ditech, You mailed a letter to my attention regarding a missed payment due XX/XX/2018. 
You are receiving automatic bank payments : *you received payment of {$3800.00} on XX/XX/18 confirmation # : XXXX This is not the first time Ditech is engaged in cashing payments and assessing late fees. 

Please correct your records. 

In the event Ditech will assess a late fee on this payment, I would have no other choice but to contact XXXX XXXX of NY pertaining to improper billing practices.
I called them and tried to resolve the problem but the representative tried to make me attempt to a debt that I had no knowledge of.
I am trying to short sell my home. After losing my job and medical bills mounting up I did the responsible thing and put my house on the market. I have an offer submitted to the bank and they have since gone into my property and changed the locks. I do n't have access to adjust the heat or make sure there are no issues since my home is vacant awaiting sale. 

I have NEVER paid NationStar late. Never. In XXXX I was short on the mortgage. I was able to gather up XXXX of a months mortgage. They acted like I never paid them a dime. The calls started. The notice of intent to forclosure came in mid XXXX. I obtained a lawyer and we are working on a short sale. They acknowledge reciept and ordered and appraisal. But in the meantime they changed the locks. The XXXX agent had no way of accessing the property to do the appraisal. I feel they intentionally are causing delays in the process. They cut off my realtors lock box at a price of {$150.00}.
I have placed an advance for my product camera which cost of XXXX XXXX XXXX and one of the customer from USA asked for the and she as send the address to which I need to send and once the product reached I will get my money like that she as informed me ... but now she is not responding and that bank people also not responding and they are asking extra money for transfer of amount.
I was scheduled for an appointment on XX/XX/XXXX for a " XXXX XXXX XXXX '', which entailed screening for XXXX XXXX XXXX as well as XXXX screening, among other things. In XX/XX/XXXX I was called with regards to collection of this " medical debt '', which confused me due to having medical insurance. I was instructed to submit a payment to prevent this debt from being reported to credit bureaus and so I submitted a payment of {$36.00} to XXXX XXXX XXXX XXXX to stop the calls. The same day I had called my insurance company ( XXXX XXXX XXXX XXXX Texas ) and it was revealed to me that I did not have a financial obligation towards this debt, and that my out-of-pocket cost for this procedure is, in fact, {$0.00}. I was further instructed to disregard any requests for payment as they are not valid. 

XX/XX/XXXX I had called my insurance provider again due to receiving phone calls stating I was not honoring the payment plan i had initially set up in XXXX XXXX.At this point it was sent to a debt collector ( XXXX XXXX XXXX ) for payment. I had spoken to an agent XXXX XXXX of XXXX XXXX XXXX XXXX of whom called the collection agency and spoke on my behalf regarding this debt, and stated the fact that it was not valid. She submitted documentation of my financial obligation via email. This debt has since been sold to the Financial Corporation of America. They continue to call me in reference to this medical debt that I do not owe. I have also explained the same situation to them in vain.
Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Summit Financial Corporation is  stating that I owe  XXXX  different amounts on all my credit reports. I voluntarily surrendered my vehicle abo ut two m onths ago. The vehicle was sold about a month ago and my credit reports are not indicating the right amount owed. They immediately reported to my credit report that I surrendered the vehicle but has not decreased the amount owed on any of my credit reports. I was advised verbally that the amount owed after the vehicle was sold was a little over {$8000.00}. My  XXXX  Credit Report is showing I still owe {$12000.00}, my  XXXX  Report is showing I owe {$13000.00} and my   XXXX   Report also has an incorrect amount owed.
I do not know who these people are. I never had any notice of any debt from them. Credit Bureau Associates is in violation of the fair debt collection practice act.     Specific violations  are 15 U.S. Code 1692c - Commu nication in connection with debt collecti on ( a ) Communication w ith the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt coll ector may not  communicate with a consumer in connection with the collection of any debt -- You did not have prior consent directly given to you by me, the consumer or you did not receive express permission of a ny court of competent jurisdiction to communicate with me, the consumer. You have also violated the fair credit reporting act. 15 U.S. Code 1681
I have reported inquires to all XXXX creditors on my credit reports. They said if you believe that identity thief is being used from these credit inquires to contact them. I have too many inquires on my reports.
The XXXX accounts are ten years old but the collection agency is re aging my accounts as if they have just been reported.
My Chase XXXX card was declined while using the card to make a transaction in XXXX in XXXX. 
I called Chase momentarily to request removal of the hold and was able to speak to the security team. 
They assured me that the hold was removed and I was able to use the card. 
Immediately after getting off the phone, the card was declined again. 
For the following next week, the card was declined for other transactions in XXXX, XXXX, and Colorado. 
After the trip, I called Chase to understand the situation and to get my card activated. 
They were not able to tell me why my card was still declined after speaking to security team. 
I requested that Chase refund the card annual fee for current year or the fee waived for the coming year. Chase said they are not able to do either option.