WillisBack/dataset-financial-user-claim huggingface dataset:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by ALLIED INTERSTATE, XXXX XXXX XXXX, XXXX MN XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
XXXX, Experian and XXXX  refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.
XXXX and XXXX, a collection agency for XXXX, a XXXX XXXX NY newspaper called regarding a {$20.00} overdue bill I have. The caller, XXXX XXXX ( extension XXXX at XXXX ) was extremely hostile, abusive and rude. I told him my mother just passed away a few weeks ago, and he got even nastier. There is absolutely no reason at all for this company to behave like this. I do not have a credit card, so I am having my friend take care of this issue
I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, XXXX, and Experian. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX of 2015 I went into a DriveTime dealership. They advertise being able to assist with low credit situations in which they GUARANTEE vehicle approval based on income. I feel that ever since I set foot into the dealership I was steered the wrong way due to a desperate situation. I am a new father with a XXXX week old newborn. We needed a safe vehicle prior to delivery of our newborn. They preyed on me in this situation and gave me like a 28 % interest rate on a XXXX. Prior to purchase XXXX stated vehicle was valued at about {$10000.00} which drivetime purchased at auction. Vehicle had previous accidents in which the AUTOCHECK report was designed to not tell you all about the accidents. LONG STORY SHORT, I was sold a vehicle at around 22 % interest but only after providing {$2200.00} cash down. The payments are costing me a WHOPPING {$430.00} PER MONTH ON A XXXX!!!! DO NOT GO WITH THIS COMPANY! IF DRIVETIME WOULD LIKE TO ACTUALLY ASSIST ME IN RESOLVING THIS MATTER THAN I WILL GLADLY MARK CASE RESOLVED. OTHERWISE STAY AWAY EVERYONE! THEY WILL TAKE ADVANTAGE OF YOU AND YOUR SITUATION. THEY 'RE QUICK TO REPOSSESS TOO AND THEY WILL CALL YOU A XXXX TIMES THE DAY AFTER A PAYMENT DUE DATE. THEY HAVE ALSO VIOLATED DO NOT CALL LISTS MULTIPLE TIMES IN WHICH I COULD SUE FOR.
In XX/XX/XXXX Citi Cards ( Citibank N. A. ) sent my credit card to an unknown address. I had all cards in my possession and had early warning and notification for any activity. In which I always received warnings for purchases I made on my own card. In this case there was no notification of sending a new card to a XXXX party address. The XXXX party charged approximate {$5000.00} cash in $ XXXX increments. This should have been a huge red flag with notifications to me. Now I want to sue Citibank N.A . in Ca. in XXXX XXXX, however seems to be a discrepancy with the address for process of service. Nothing on the XXXX of state site for CA. Now in XX/XX/XXXX Citibank has sold the fraudulent debt to XXXX XXXX. What can I do to Resolve this fraudulent account on my credit report? 
XXXX XXXX
We were asked on Friday, XX/XX/2016 at XXXX pm to provide payoff amounts for XXXX creditors our lender wanted paid off at our closing. We were successful in getting all but XXXX of the payoff amounts by Monday, XX/XX/XXXX and the last XXXX came in by the close of business that same day. Tuesday, we went to sign the " Closing Disclosure '' and noticed the figures were incorrect by nearly {$4800.00} over the amount owed. When we asked for the figures to be corrected based on the payoff amounts we submitted, we were told by XXXX, our load would be cancelled if we insisted on the amounts being corrected. 
In addition to that incident, the agency for our homeowners insurance policy was selected by XXXX, not according to the choice we submitted to them.
I filed a CFPB compliant case number # XXXX against RAS Lavrar , LLC and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that XXXX XXXX XXXX is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both RAS Lavrar and XXXX XXXX XXXX.
My wife asked at a hotel desk for a cab to go to the local XXXX XXXX in XXXX XXXX MD. 
The desk clerk told her, " We have our our own service '' The boss of the limo service she called knew when the clerk called him that my wife wished to go to the XXXX XXXX, a {$24.00} fare with tip. Without asking permission to do so, the driver of the limo which the boss assigned took my wife all the way by side streets to XXXX for {$84.00} including tip. She was unfamiliar with the area. As she was alone in the car, she paid with a credit card in order to avoid confrontation. We are nit disputing that she was the one who signed the charge. We believe that the driver " took her for a ride '' by deception. 
Afterward when we complained to American Express about the deceptive practice, they simply sent us a copy of the driver 's charge signed electronically by my wife and said it was an authorized charge. We felt that it was deception and continued to generate supporting letters to the American Express Fraud Department trying to explain what happened. Each time American Express sent us the same unsigned form letter denying the complaint, along with another copy of my wife 's signature, claiming that the driver stated it was a valid charge. It seemed that American Express did not ever once even read any of the documentation about the deception. After the third denial we would like to escalate this dispute as American Express is completely unresponsive.
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XXXX / /XXXX , Transunion , XXXX , asking XXXX to produce documents XXXX / /XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX //XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX /XXXX, Transunion, XXXX , asking XXXX to produce documents E-mails and phone calls made to XXXX from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave XXXX two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.
I never authorized this company to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiry : XXXX XXXX XXXX. XX/XX/2018. I never authorized this company to obtain a copy of my credit report.
original complaint XXXX # XXXX have tried to contact with XXXX XXXX XXXX XXXX constant stall tactics. Now Portfolio Recovery Associates is suing me.
This account was not opened by me, I am a victim of identity theft and this place calls me more than XXXX times a day. I have blocked them and used various apps to block them, and then they leave dozens of voicemails threatening me.
I currently have a private student loan cosigned by my sister. I called navient to find out the process for removing my sister from the loan as her finances were making it difficult for me to get a lower payment plan. They advised me that I would have to make ontime payments for two years to remove her name from the loans. I did so, after two years I called navient to have my sister removed they advised me that due to my credit score I was denied. I was not advised that my credit score impacted the removal of my cosigner. So her name remains on the loan making my payment rates to navient higher and impacting my sister 's ability to refinance her home at a lower interest rate.
Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.
It 's being reported on my XXXX report and is wrong because the bestbuy acc is active under another debtor and is in good standing. I do not owe them any money and they should remove that information from my credit report. There were the ones who lost the XXXX acc not me
Comenity Bank left two voicemails for me today in which they claimed I owed because of a recent dental procedure I had. I have not had a recent dental procedure, outside of a cleaning which I paid for in full at the time. I called them back and spoke with 3 different people, only two of whom provided their names. One was named XXXX and one was named XXXX They both sounded like women. Neither would provide their last names. I explained the situation and was asked to verify my social security number and other confidential, personal information. I did not verify this information as I do not know who I 'm dealing with. Because I would not verify the information, I was told I was not cooperating with their attempts to help me and that I would continue to receive harassing phone calls.
When I applied for Continental Credit Card, in amount of {$300.00}. to re build my credit and with XXXX XXXX for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, Continental Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XXXX of 2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add XXXX Credit Card company at time at end so I will do XXXX of these.
My private student loan was originally serviced by what is now, XXXX XXXX XXXX. It was sold over 4 years ago to Discover Student Loans. When it was first sold I noticed the payments were {$100.00} more than the original payment with XXXX XXXX. My current monthly payment with Discover is {$370.00}. I can not pay that. I have told them repeatedly by phone and email, the payments are too much. I have asked if they could lower the monthly payments or refinance the loan to lower the monthly payment. My emails either went unanswered or I was told I have no choice but to pay it, as I had used all of my forbearance. The last email I sent was after a threat AGAIN, telling me the loan was in at risk of being default and that payment must be made or they will escalate it. I emailed the Director of Operations and to beg for his help and to explain what was happening, to this date I have gotten no response. AGAIN. I spoke to a supervisor who I thought would help that turned out to be the most combative conversation I ever had with a customer service agent. I can not live like this under constant threat, I am not refusing to pay them I just want to find a way to lower the payment. I have XXXX other student loans XXXX with XXXX XXXX which is currently on a reduced payment plan, from {$560.00}, approx. down to {$280.00} ( XXXX loans combined ) per month. I also have another smaller loan which is about {$50.00} per month. Discover is the only loan I literally can not pay and that is a problem. I am constantly given the " politically correct '' explanation on how they can not reduce the rate, the length of the loan etc, they explain that XXXX XXXX and others have alot more freedom than they ( Discover ) do to administer student loans, if that is they case why are they even allowed to offer student loans. I am not asking to not pay them I am simply asking to reduce the monthly payments. I even proposed a lower monthly payment of about {$250.00} for about three months, until XX/XX/XXXX, and in XXXX 2015 I would be able to bring account current then, Rejected completely. I need help in talking to these people. 

I have recently restarted my job search,
I have an FHA mortgage with SPS Servicing. I went through a trial modification and was offered a modification that was not acceptable. I have asked for alternative foreclosure prevention that they outlined in their correspondence to me. When I asked about it they said they would not work with me on any of the alternatives. They failed to follow FHA guidelines while foreclosing as they have not offered to meet with me face to face to discuss my modification or alternative foreclosure prevention.
I purchased XXXX notebooks from XXXX on XXXX XXXX, 2015 for ~ {$16.00} and that charge was on my card. Five days later, while I was at work, there was {$280.00} transaction from the same XXXX on the same card I used previously. I caught this transaction that I did not authorize the same day it happened and called Bank of America to submit a dispute. I was informed I could not submit a dispute until the transaction was no longer pending. In the mean time, I called XXXX XXXX to see if I could figure out more information. I could not. I called Bank of America immediately when the charge was no longer pending to make a dispute. I was informed that because XXXX said my actual card was swiped that Bank of America could open an investigation, but that the charge would stay on my account. They refused to give me the benefit of the doubt during a very lengthy investigation period of 2-3 months. Meanwhile, they advised me to not pay they charge and let interest accrue and IF the dispute came back in my favor, they would excuse the charge and pay back the interest accrued. Lastly, I had to ask if I would get a new card because fraud was committed with my card ( this was not suggested by Bank of America even though I told them I had an unauthorized charge ) and I was informed to monitor my card, but that a new card was not necessary at that time. I felt this was misleading and poor advice and called back later to order a new card. It took 10 days to receive. The investigation is ongoing.
I have received repeated letters and calls fro m Debt Recovery Solutions , LLC,   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , NY  XXXX , about a debt of {$190.00} alledgegedly owed to  XXXX .   XXXX  I have never been a  XXXX  customer and do not owe this debt.   XXXX  I have repeatedly told  Debt Recovery th is, both in writing and by telephone and demanded they furnish written copies of contracts showing I owe this debt to  XXXX . They have never complied with this and have never shown that the debt is in fact owed by myself to  XXXX .   XXXX  I request that this harrassment stop and that they cease reporting that I owe this debt.
The new balance information on this credit card statement is deceiving because it does not take in consideration the credits or payments made. So when I look at my bill it looks like I have to pay more than I owe the credit card company. All my other credit cards the new balance is calculated is like this : previous balance less payment & credits plus purchases = new balance. 
Also I have this bill in autopay, so the money is taking out of my account so the credit card is to be paid in full every month, but by adding the amounts on my credit card statement of XX/XX/XXXX my new balance does n't match the amount of the payment taken by Nordstrom from my bank account, which is showing on XX/XX/XXXX statement. It looks like Nordstrom did not take {$9.00}, and I do n't see this amount anywhere in the credits.
Hi, on XX/XX/18 I wrote a check at my local XXXX for {$45.00}. They said the ck. did not go through ETF so asked me to sign it so they could keep it and run it. I did this and told them to be sure they don't put it through twice on me. That is exactly what happened. On XX/XX/2018 and XX/XX/2018, XXXX ran the exact same check twice. Once ETF and once manually. When this came to my atten. on my back stmt. at the end of the month, I contacted my credit union and they investigated and it was a duplicate debit to my acct. and credited the {$45.00} back to me. XXXX was paid, and the MGR. XXXX, at XXXX, XXXX, Idaho stated we didn't owe them anything. In any event. Telecheck  has put a # 3/high risk code on my checking acct. and it is impossible to now cash checks in the small town I have lived and done business in for 17 years. In the 66 years I have lived, I have NEVER written a bad check. I am now holding up lines and constantly embarrassed anywhere the Telecheck  service is used. I have called them 3 times and talk to people who can barely speak English. I also sent in all my paperwork to an address in XXXX, MD. on XX/XX/18. Please help me get this off my acct. it is making a senior citizens life miserable. Changing the checking acct. won't help either from the other complaints I am reading regarding this Telecheck  company. XXXX is no help in removing this, they don't care about their customers. My husband wants to file a lawsuit which I would really rather not go there. Thank you for listening. 

XXXX XXXX
A portion of my medical bill was sent to the California Business Bureau and I reached out to the company to find around {$80.00} dollars in interest fees were charged to my account. I was seeking to have the policy and/or information containing the companies legal right to charge interest on a medical bill sent to me. The Vice President continued to tell me it was her legal right to charge interest. I again asked her to send the policy to me and she continued to talk over me and she appeared very angry that I was asking for what I believe to be my right. I do not feel I was adequately advised as to why I was being charged additional monies on my account.
I received a payment notification for the very first time and it had XXXX late charges on it. I immediately called and tried to speak with customer care and they just gave me the obvious blurb and it sounds like they are just reading a script about how we can only adjust XXXX payment. I had no idea I even had any charges on my account as the charge was an automatic renewal fee pushed to the account by costsco apparently 2 months back. I had no idea I even had a payment due and thought XXXX renewed the card at the beginning of each year like other accounts I have. Money wasnt even the issue, it was the point of getting no notification and now they tell me the late fee will hit my credit report and I have never had a late fee in my life. They said they emailed and I save all emails and never delete anything and I had nothing from them the dates they state the bill was sent. To top it off they said they would waive XXXX of the late charges but never did.
On XXXX XXXX, I pulled a copy of my credit report after the Equifax data breach and noticed inquiries on my account that I did not authorize. I called Equifax, XXXX, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.