WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Mortgage company : Carrington Mortgage Service, llc Loan no : XXXX on XX/XX/XXXX requested a payoff statement. On XX/XX/XXXX paid the total amount to pay loan in full requested in the statement ( {$97000.00} ) via wire transfer ( documentation is available if needed. ) While waiting for the releasefof the lien, another monthly statement was received. immediately called CMS. they had no knowledge of the loan being paid off. Asked them to provide a fax number so I can send them all the document proving the payoff. Faxed 13 pages of documents and a personal written request for the release of the mortgage to all 3 fax numbers that they had provided us. 
on XX/XX/XXXX we received an escrow refund check for {$2200.00} From CMS, which usually means that the loan was cancelled, but still it was not release.

Meanwhile since the monthly payment was not made it became delinquent and late charge notices started to come in. They also reported the delinquency to the credit bureau and ruined my perfect credit score.

Called CMS, four more times. Each time they provided us ( myself and my authorized user ) with different fax, phone and mailing address to send them our documentations. They also escalated the " problems '' to their " managers '' and we were going to hear something from them by Monday XX/XX/XXXX. Nothing happened. 
Instead they invoked foreclosure based on " terms of " my " mortgage contract. '' I have done everything in my power to stop foreclosure and release the mortgage ; faxing documents, contacting CMS on numerous occasions, sending certified mails to all branches of CMS, including their California, Arizona and customer service offices, notifying HUD, by certified mail, of the problem ... but have not been able to cancel the loan. 
Since per Georgia 's law lenders are required to cancel a security deed within 60 days of full payment, how can I hold them reliable for failing to cancel the deed and is there anything that your bureau can help me with? 
I thank you in advance for a ) taking the time to read this complaint, and b ) for your assistance
I have a # of debts that I ca n't pay. I am XXXX and depend on XXXX . It takes every cent I receive just to stay alive. I ca n't pay any old debt. In the past I 've tried to explain this fact to debt collectors but they continue to call. I receive on someday 10-15 calls from various companies. I have stopped answering my phone, very rarely they will leave messages, sometime identifying as the Internal Revenue Service ( when I 've check # 's by reverse # look up they are reported a scam or fraudulent # 's.
XXXX XXXX XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose.

i am trying to send them a debt validation letter, along with a copy of my current XXXX financing statement, which should compel them by law to erase any  delinquencies. I am ultimately seeking to open a secured credit card with my new credit union and that can not happen if XXXX continues to evade receiving my documents. 
Thank you.
The Credit Bureaus are required to let me put a freeze on my credit report. I have been trying for several days to put a freeze on my Equifax credit report. When I enter the data in their online form I get an error. The is no number listed on their contact page for calling to freeze a credit report -- the links just go to the online form. When I call the fraud alert number ( XXXX ) all I get is a busy signal. 

I want to emphasize that this has been happening for several days. It is n't a one-time occurrence or short term outage.
Barclay Bank Card retained a law firm XXXX XXXX XXXX who brought action against me in a court with no jurisdiction from a city court we do not reside in. My husband was served papers by a process server who was dressed like law enforcement. When my husband told the server that what he was doing was illegal. The process server became argumentative & my husband told him to leave. The server sat in his car in my driveway for over 5 min on the phone. He then peeled out of my driveway striking & damaging my gate & drove off. This happened on XX/XX/XXXX. My husband filed a Police report with the NY State Police on XX/XX/XXXX. I have wrote & called numerous times to both parties & have been ignored! The process serving Co. Paid {$100.00} for the gate, but the cost is {$300.00} for repairs that we have demanded from both the law firm & Barclay Bank to pay the balance. Plus they have violated the FDCPA of using a process server simulating law enforcement, Sued out of court with no jurisdiction, and have failed to report the alleged debt as disputed with the credit Bureaus that I have disputed many times with both parties.
In 2015 we signed up to have our mortgage payments made through XXXX XXXX XXXX. After several months we received a letter from them stating that they could no longer do business because they were having a problem getting a bank to work with them. We then contacted our mortgage holder, Freedom Mortgage ( Account # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ) and asked if they could take the payments out every two weeks. They said they could. They took the payments for a few months and then we noticed that we were being charged a late payment charge each  month. We called to determine why this was occurring. The rep told us that it was because the second payment was arriving after the XXXX of the month. Well, we souke with a supervisor because their rep set up the payment schedule and should have noticed that would occur. Secondly, with a payment plan twice a month you shouldn't be stating that our payment was late. The rep we spoke with when we called stated that he would change the draw dates for the payments. He did not do that. He cancelled the one schedule of payments and never set up another. We were traveling and so never noticed that the payments did not come out. Since we were camping, in most locations we didn't even have access to wifi. When we finally returned home we got our mail and had several letters saying we were in default on the mortgage! When we called the second representative told us they would have to investigate and not to make the payment until they figured it all out. Once they fixed the problems they removed all late charges and said they corrected our credit report. They did not. They had been reporting us 30,60 or 90 days past due. What they did was then report the account as current, but never did remove the reports of being 30,60 or 90 past due. At one point we were actually two weeks ahead in our payments. Have written several letters but get a form letter in return saying they can not correct the information because it is accurate but the issue was caused by their representatives. Even though the information is technically accurate, if someone actually took the time to read through the notes in our account they could see tthe whole picture. We are not getting any assistance by trying to deal with the mortgage company and the credit reporting agencies keep reporting a " serious delinquency '' which we assume is the mortgage issue, however, when contacting the credit reporting bureaus, nobody will explain to us what the " serious delinquency '' is on our reports. They all simply send us ANOTHER copy of our credit report. We have about 20 copies of our reports and we can't see ANY serious delinquency except the 30,60, or 90 days past due being reported by the mortgage company. I am a XXXX veteran, retired from the XXXX, My wife is also a veteran of the XXXX. We shouldn't have to be spending our time, hours on end, trying to fix this issue ) When a company services VA loans they should be respectful of the customers they are serving.
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, XXXX XXXX XXXX and Advance America. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started at the end of XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
Our mortgage was sold to Select Portfolio Servicing and during the transition of the loan to them a type was made on my last name inputting a " XXXX '' instead of an " XXXX ''. My wife 's name is entered correctly. I have called the company multiple times and have been advised that the issue will be corrected on my next statement. The next statement comes and my last name is still spelled incorrectly. I have spoke to consultants and supervisors who have all viewed my loan documents and have confirmed the error on their end and guarantee it will be corrected. This causes me to receive a tax form every year due to the mis-spelling. All I want is someone to correct the spelling to what is reflected on my wife 's name and on my loan documents, it should not be this difficult and require multiple calls and it is still not corrected.
I received a mortgage advertisement from Quicken Loans that is very misleading and factually incorrect. I work in finance so am able to see the errors in their ad quickly, however the mortgage market and economy does not work this way and I would n't expect an average borrower to be able to sort out Quicken 's erroneous representations. I would be happy to forward the email ad to you but I do not see a way to attach. I am sure they are going to get a nice boost of business before Fed Day. 

Here are the false presumptions the ad makes and can mislead a borrower. 

It implies that you can, as a borrower, front run the fed. 

Has the audacity to talk about market expectation STILL imply that even though everyone thinks that the fed will raise you can lock in now before hand and realized the benefit Conflates the fed funds rate with long term mortgage rates. Fed funds has a very loose connection to long term rates. 

Has a total non sequitur between post election vol and Fed.
Barclay closed my Barclay Arrival Plus credit card that I 've had for years without warning and gave me a vague reason " account usage history '' and  refuse to give me any specific details. I use the credit card for all my daily expenses and bills. The closure of the account caused issues with missed payments and inability to pay for something when I expected the credit card to work. I paid an annual fee of {$89.00} to use this credit card but they shut down my account and did not refund me the annual fee. In addition, I have about {$15.00} worth of travel credit I earned that I ca n't redeem anymore.
I met the terms of the offer for {$400.00} after opening and funding a checking and saving account with Citi. The account was opened on XX/XX/18. 

After receiving an email from Citi, I decided to speak with a customer service representative and get an explanation as to why the opening offer had not been credited. I was told that I was not eligible for the bonus though he would not state why. He then proceeded to hang up on me after over 20 minutes of explaining why I had met the offer terms. 

I met the requirements and am expecting my bonus offer of {$400.00} AND then additional compensation for time lost talking to an unprofessional and unknowledgeable rep. 

The terms of the offer are below. 

XXXX XXXX XXXX XXXX XXXX XXXX
My obligation to repay the money borrowed for my real property was not properly secured by a valid deed of trust because the document was notarized in XXXX XXXX and the money was borrowed in XXXX XXXX. XXXX XXXX XXXX has been continuing to collect the debt based on an acceleration by Bank of America which resulted in a non-judicial foreclosure. Acceleration and non judicial foreclosure are only permitted if there is a valid deed of trust recorded securing the interest of the lender in the property. I am attaching the first two pages of the deed of trust and the last page which is the acknowledgement page because the entire deed of trust is too large to upload. The statute of limitations has run on this unsecured debt as the last payment was made in XXXX.
I have contacted Capital One in regards to an account that was sold to XXXX XXXX XXXX. They claim I owe {$1300.00} in which is reported negatively. They have yet to provide me with validation bearing my signature. I am requesting for this account to be removed from my credit report.
I have a charged off account with XXXX XXXX XXXX. XXXX XXXX XXXX has been inaccurately reporting on my credit report as they have sold the account to XXXX XXXX XXXX. I receive mail from XXXX XXXX XXXX  attempting to collect on the debt as well as a letter from XXXX XXXX XXXX regarding my XXXX XXXX XXXX account dated XXXX X,2017. When I contact XXXX XXXX XXXX they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Friday XX/XX/XXXX, I received a letter from my employer with copies from ECMC stating my wages were going to be garnished beginning on XX/XX/XXXX paycheck. This was the 1st and ONLY communication I have received from ECMC. They are garnishing {$200.00} bi-weekly from my check. So, {$400.00} a month. I did not receive ANY documentation advising me of the intent to garnish my wages therefore, I did not have the ability to dispute or negotiate. 

My XX/XX/XXXX-XX/XX/XXXX federal taxes were withheld stating debt collection for student loans but were never applied to the balance of the loan. 

In XX/XX/XXXX, I received a letter from ECMC stating the intent to wage garnish had been cancelled. Again, with no notification of the intent do do so in the first place. 

As of this time, we are a single income family of XXXX with me being the primary source of income. I commute XXXX miles each way. I am unable to afford the shortage in my check. This may possibly force me to look for employment closer to my town at a lower rate of pay, loss of medical benefits and quite possibly my house because I will no longer be able to afford the incoming bills. 

Since receiving the letter, I have attempted several means of communicating with ECMC with no response. The website has either has no record of my student loans or will not allow me to log in. I have also attempted to apply for loan forgiveness programs ( XXXX XXXX XXXX ) but can not complete the application process due to inaccessibility to my account. 

I am employed at a University Police Department and am in the process of admission to complete my degree. It appears to me they have conveniently used my position to solicit moneys before I am completely enrolled. FYI, the last class I took was in XX/XX/XXXX.
Through learning of a different student loan company being sued, I learned of this resource and thought I would attempt to have an old issue resolved. A long time ago, I made XXXX payments of {$50.00} each that were taken out of my bank account and never appeared on my account as a payment. Not long after realizing the payments never appeared on my account, I contacted Nelnet and was directed to the part of the website where I could view my payment history ( which I had obviously already seen if I knew the payments did not post to the account ) and was given generic information about payment processing times ( which had long since past ). Frustrated, I had long since given up on getting this resolved, but in light of the news about another student loan company systematically mishandling payments, I have decided that I do n't want to allow this problem ( and my hard-earned money ) to just disappear. 

The first payment, made XX/XX/2015, had a confirmation number of XXXX. The second payment was made on XX/XX/2015 and the confirmation number is XXXX.
I had my debit card stolen on XX/XX/2017, on my birthday, and woke up in the morning to find that my bank account was drained of all its money, over {$1900.00}. Chase Bank gave me a temporary credit for the amount, but even though I provided a police report and that they money was taken out one minute after the next at a XXXX at XXXX, Chase reversed the credit and will not refund me the money that was stolen. Due to that reversal, my mortgage payments were cancelled and now I am at threat of being foreclosed on. Chase Bank will no longer assist me on getting my money returned to me.
I was approved for a visa card with comenity on XXXX with a XXXX CL. I received my card in the mail on XXXX and on XXXX I went to use the card and it was declined. I called comenity and was told that XXXX days after my approval, my profile was reviewed again and they decided to close the account because of too many inquiries.
My Best Buy MasterCard has always been configured to automatically make payments from my bank account. I have never been late on payments. XX/XX/XXXX, an annual fee was added to my previously current account balance. However, the automatic payment system did not act in its usual fashion, so the account became past due for several months. As a result, over {$100.00} in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency ( past due 60 days ) to appear on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  EQUIFAX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Payment made XXXX 2015 was not credited to my account. Upon providing documentation of the payment clearing my bank account, Navient disclosed that they issued a check refund to another individual with the same name but a different mailing address ( the address has never been my address ; no relationship to the person they issued payment to ). Navient refused to either correctly credit my account or issue me a refund.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
When I was called on the XXXX/XXXX/15 I informed the collector that I was aware of the debt, but that the due date for payment was not until XXXX/XXXX/15 and that I had written confirmation from the original owner of the debt ( this resulted from charges following vacating an apartment ). I also told them that I would pay the original creditor on or before the due date provided to me and requested that they not call me. I received a second attempt to collect a " debt '' today XXXX/XXXX/15 for a debt not even due yet. 

I have written information from the original creditor that specifies a due date that has not yet passed. 

I requested not to be contacted in my original conversation on the XXXX of XXXX. 

This debt can not be valid because the date payment is due has not passed. 

When I explained these things my call was terminated without notice and no resolution was given.