WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted XXXX and Transunion to remove unauthorized inquiries on numerous occasions, with the most recent time beingXX/XX/XXXX Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX
Received a call on XX/XX/2018 at XXXX from someone claiming to be a representative of XXXX XXXX XXXX  saying I owed a balance of {$1900.00} they are trying to collect for XXXX. I told them I have an email proving that I don't owe that amount and that I will forward it to them, which I did. At that point, the representative told me they would sue me and if I didn't pay the {$1900.00} by next Monday, they would take me to court. I explained that I had several bills with various amounts, but the final email proved I only owed the {$120.00} and I asked for them to email me the proof of the debt, and they haven't. They just kept repeating they would sue me for the other amount if I didn't pay by Monday. They also stated they didn't purchase the debt from XXXX, so I'm confused as to how they are trying to collect.
Purchased a home in XXXX, XXXX in XXXX for {$390000.00} the height of the inflated prices of the housing boom after taking a XXXX job. So, moved myself from XXXX to XXXX with no assistance from the XXXX. Left XXXX and moved to private industry for 5 years. Rejoined XXXX, XXXX to move to XXXX with no housing assistance. Was able to get the house rented but it did not cover the mortgage costs. The market value never returned to the amount that I paid for the house. 
About XXXX or so, the huge retaining wall needed a {$20000.00} repair which we could not afford, so we were unable to rent it any longer or sell it. So, we decided to try a short sell finally getting it sold for {$250000.00} in XXXX. However, Ditech, the largest of the XXXX company 's holding the Mortgage would not allow a short sale to go through until I was 90 days past due. By the time the final transaction was completed, they were able to state that I was 6 months passed due, seriously degrading my credit rating. Also, they posted to the credit companies that the loan was closed, but not paid in full. 
1 ) Is there anything that can be done with my XXXX employer to force them to provide some financial assistance that was never provided? 
2 ) Is there anything that can be done to fix my credit history? 
Seems like the system is rigged against individuals.
I never received any documentation regarding my loan via email or mail. Every time I call to find out what I owe and how much will be taken out of my account I am told a different amount. I would like clear and documented information reguarding my loan. I took out a loan for {$500.00} and was charged {$150.00} for the loan. Two weeks later {$170.00} was taken out of my account. Although I was told on the phone it would be {$150.00} and then later told over the phone it was going to be {$160.00}. 

When I called today to inquire about the balance I was told that the balance was {$610.00}. And they would be taking {$160.00} out of my account in a week. The fact that I have no documention of taking out the loan interest and no documention of payments made to date towards the balance and remaining balance made me suspicious. 

I checked with the XXXX and consumer finance and could not get any information about this company Zoom to cash / Zoom direct. When I called my bank I was informed that the money was taken out of my account by Zoom Marketing. The use of multiple names, lack of documentation regarding my loan and failed attempt to legitimize this company has caused great concern. I am afraid that an illegitimate organization has all of my personal information and gained access to my bank account.
I received a phone call from an unknown number on XX/XX/XXXX saying that I was being served of a court order due to unpaid debt from XXXX in XX/XX/XXXX and that I need to call the number ASAP ( XXXX ) XXXX, however, I have never heard of this before or recevied any letter. They told me I need to pay the debt ASAP or I am being served to go to court. However, when I looked at court orders in XXXX or XXXX, I did not find a record. I call the next day to look into what I can do as a consumer, I asked for contact information and professional license number. They provided me with the contact information but not the professional license number as they said they will not provide this. Additionally, I asked if I can get a written description of what I owe, e.g., agreement of credit, information of the credit and what I owe and they said I will never get XXXX as they have bought the debt from another company. The company name is XXXX XXXX XXXXXXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number : XXXX XXXX XXXX XXXX.
This claim is for false insurance interpretation that XXXX XXXX group intentionally lied about and did not coordinate with my insurance company XXXX. After my first XXXX session, I was informed that XXXX WAS COVERING for the XXXX and that all I needed to pay was a co-pay every time I went in for XXXX. I paid my co-pay every time of {$40.00} per visit. After my nine sessions of XXXX had been completed, XXXX XXXX XXXX sent me a letter of past due balance for the complete amount that XXXX was supposed to be paying. They intentionally did n't tell me that XXXX was n't paying so that I would not stop coming to their facility and they could charge me at the end. They lied to me in order to keep my business. If they would have been honest from the start and told me that my insurance company XXXX was n't going to pay then I would have located a clinic that XXXX would cover for my XXXX. It was n't too long before XXXX XXXX XXXX transferred my account to your collections company AR Resources Inc.so that they could close their books on their end and receive their funds. 
This debt is not owed and illegal as deceptive practices were committed to put their own profits ahead of the interests of their patient. This alleged debt is in violation of the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.
I have no knowledge of this account or who it belongs to. It is incorrectly reporting on my credit reports.
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SANTANDER CONSUMER U Account Number : XXXX Date : XX/XX/2014 Amount : {$3200.00}
I made an ATM deposit last week thursday, XXXX XXXX. The Capitalone ATM malfunctioned, ate my cash and card. Capitalone 360 reps first stated that within 1-2 business days it will be resolved. It has still not been resolved. The bank is now stating it will take 45 days to resolve.
On  2 Separ ate occasions I disputed unauthorized inquiries that were showing on my credit report, and on both occasions Equifax " so called ' investigated the disputes and found them to be accurate. My most recent dispute ( #  XXXX  ) of the following inquiries  ( Factual Data-   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX  -1/15/17, an  XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ) was submitted on  XXXX / XXXX / XXXX , Equifax completed the investigatio n 5 mins after I  submitted the dispute. There is no way possible that Equifax could have done a proper investigation into these disputes  in 5  mins. The investigation results states that inquiries are a factual record of file access but I have stated several times that I did not authorize these inquiries so they are not factual. Per the FCRA a thorough investigation must be done on all consumer disputes. The fact that Equifax closed my disp ute within 5 minutes show s that they did not investigate at all and are in direct violation of the FCRA. These inquiries must be removed!
I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XX/XX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.
I REPORTED THE ( 3 ) FRAUDULENT ACCOUNTS FROM CENTRAL FINANCIAL CONTROL ACCOUNT NUMBERS XXXX, XXXX, XXXX WITH MY LOCATE POLICE AND CREDIT BUREAUS.
Bank of America has been misapplying my mortgage payments since XX/XX/XXXX. Today I got a letter stating that my XX/XX/XXXX payment was unapplied, which is just another example of their lack of accounting skills. My account is a XXXX year fixed {$680.00}, homeowners until XX/XX/XXXX is {$120.00}, Taxes are {$1600.00}. Total monthly due is {$940.00}. I pay {$960.00} to avoid escrow shortage. Bank of America 's accounting is a scam to charge unwarranted fees.
I had  XXXX  credit cards wit h NavyFederal Credit Union that discharged ba ck in  2016  because I was not able to pay them. I recently started using my Savings Account at  NavyFederal Credit Union and to my surprise, I log into my NavyFederal Credit Union Savings Account this morning and they have arbitrarily taken my money from my savings account and applied it to the discharged c redit cards. How can they take my money and apply to an old debt that has been written off?
Initial contact with this company was a letter threatening to sue me for a debt that is beyond the statue of limitations. This was confirmed by the inclusion of " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. '' that a previous collection company sent me in a discount offer. 
They also added {$260.00} to the alleged debt without any debt validation. 
I called the number on the letter and was chastised and threatened with legal action by a quite irate unidentified man unless I paid the alleged amount in full that minute.
i have a few negative remarks from my creditor during a time i was going through financial hardship. I was struggling to make monthly payments several time due to family problems.
A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay.
I have submitted several request for debt validation from Portfolio Recovery Associates and have still not received it over the past year. Most recently on XX/XX/XXXX the above company received a certified letter from me requesting debt validation. On XX/XX/XXXX they responded with 2 letters, one requested that I provide them with additional information so they could " complete the investigation of the alleged dispute. '' The second letter stated that the debt was sold to PRA and that an " electronic file '' was provided to PRA at time of sale. I have yet to receive any validation from the company including a signed statement that states that I'm responsible for this debt.
I found Tuten Title and Escrow to be unprofessional and disorganized in handling the close of sale of our house. These are a few of the issues : * did not return phone calls *delivered check to our door step, where it could have been easily stolen *check did not match closing documents *taxes not paid on time *tax forms never sent to us I made several phone calls in the days prior to the sale to find out how to close from out of town, and they were never returned. It was unclear on where to sign everything on the closing documents, and we had to make some hand written changes for witness signitures. On the day of the sale of the house, I called to get information on when we would receive the check, she said she would email or call me with that information ; she never did that. When it got to the end of the next day, with no response, I called again and left a message, again with no return call. 
After three days, I called and talked to someone other than my closing attorney and she gave me all the info on the phone. Unbelievably to say, it was delivered to my door earlier that day and sitting on my door step. A check for over {$90000.00} was sitting at my door. I was never told when or where it was going to delivered. I had to leave work and pick it up off my door step. 
Later when I opened it and was comparing the check to the documents she sent me, they didn't match. I called to find out what was going on and the attorney said " well, it matches the papers you signed ''. I told her I don't know what I signed because I had sent the closing documents to her, and what she sent me are legal documents and the check needs to match the those documents. She said there was a mistake, and I still do not understand her explanation. She stated she would send me the new documents by email. Then I asked her if she knew how the check was delivered, and she said I made arrangements on how it was delivered. I said no, I was never given that information, how am I supposed to arrange the delivery of documents your send me, and I do not know how to arrange the delivery of packages to my house. 
The property taxes were not paid on time, or even in a timely manner. So a house that was sold in XXXX, didn't get payed until way after the new year, they didn't clear until XXXX. 
They have still not sent the property tax forms for our taxes, form XXXX.
I have contacted XXXX XXXX/XXXX XXXX XXXX to inform them that this debt do not belong to me and that this debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
I forget to renew my income based repayment, so I have a 30 day missed payment on my credit report.
I have been trying to work with PNC Mortgage for the past 3.5 years to get the loan on my home modified. PNC has given me the runaround for a very long time, and they continue to ask for documents I have submitted over and over again. They waited until now, not 3.5 years ago, but now to tell me that they will not review my last packet for modification because the investor on my loan does not participate in government assist programs. I have a government issued loan on my home and they refuse to help me. I 'm divorced and received the house in my divorce, so the property was quit claim deeded to me by my ex husband. PNC refuses to honor the divorce decree and quit claim deed. They are insisting that my ex husband be added to the modification. When my ex declined, they also declined to assist me. I have paid countless agencies to assist me but to no avail. PNC advised that their investor will not allow review of the packet but they refuse to tell me who the investor is. I needed to know the information on the investor so I could appeal to them to remove/cancel the XXXX XXXX sale date on my property for foreclosure. They wo n't help me. Today I received XXXX copies of the same letter dated XX/XX/XXXX from PNC telling me they can not move forward with reviewing my packet because I did not submit the requested information. I have sent the same information over and over every month for the past 3.5 years. Please help me. I do not want to lose my home.
Back in XX/XX/2010, I accepted a job for a XXXX XXXX. I received 3 checks for a total of {$2800.00}, an I went to my bank to cash them.. I was concerned about the legitimacy of the checks an asked my bank to double an triple check them to see if they were real an good.. the bank told me three times yes, that the checks were good.. I cashed the checks an completed the things that were required of me to keep a portion of each check, one to two days later a police officer an two cars loaded with 5 people from the bank came to my home demanding that I return the money from the checks. I informed them they told me the checks were good an that I did not have the money due to I sent most of the money off. A week later the bank asked me to come in to make arrangement 's to pay it back. I started paying the money back XX/XX/2010, now its 7 an 1/2 years later, an the amount has grown from {$280000.00} to over {$7000.00} even tho Ive been paying on it for 7 years.. Ive never received any loan documents to explain the loan. My understanding was I just had to repay the amount of the checks seeing how both my self n the bank was scammed, because the bank checked three times n said the checks were real an valid.. My husband recently done some checking an this loan seems to automatically renew itself.. when I talked to the bank, they said yes it does automatically renew itself every year.. At the rate this is going Im going my balance seems to go up not down every year ... I need help getting this resolve so I can get this paid off.. My husband says this seems to be like the payday loans where people cant pay them off.. Recently I asked the a few people at the bank for a copy of the original amount of the scam or the amount of money the gave me for the three checks.. It was explained to me that they do not have the paperwork because its by law they can throw it away after seven years.. A few months ago I sent a registered letter asking for all information pertaining to the amount of money the bank gave from the three checks.. I received a call from the main bank inquiring about the loan.. I explained to the lady an she did some checking an told me she dont understand or explain about the loan. She said she would investigate an get back to me.. Please I need help with this matter..
After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax, XXXX, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
On XX/XX/XXXX I had XXXX soon after I started having complications. I was off work for 2 months. During this time my XX/XX/XXXX company called to inform me that they were going to be fighting me on my claim. So knowing that I wasn't going to get paid I called my mortgage company in XX/XX/XXXX they informed me they have programs to help me. I told them I would keep them updated. I was able to make my XX/XX/XXXX payment. XX/XX/XXXX came still no money from my XXXX company and now all my bills are piling up and my medical bills are way more then I can handle. I called my mortgage company for help. I applied for a hardship turned in everything they asked for. As of yesterday XX/XX/XXXX I still hadn't heard from them so I called they informed me that they denied my hardship. I asked them why they said because they didn't think with me being off work for 2 months due to my medical condition with no pay is a hardship. I'm a single mother of XXXX daughter 's my income is all we have. Please help me I don't want to lose our home. I'm only 1 month behind and they won't work with me. I've called HUD but they can't help because I don't have a FHA loan the hope program just did was had me call a counseling program. My XXXX company still won't give me any info and now it's going on 4 months. If I could just get my XXXX   money then I wouldn't be in this situation. Please help me. Your my last chance. Thank you.
I have mailed letters and sent Them VIA FAX AND MAIL a request for them to remove the address  XXXX   XXXX   XXXX   XXXX  CA  XXXX  as this address does not belong to me and belongs to a family member please make them remove it this is causing problems they dnt care and do as the wish and say they are not responseable for what is reporting if they are not reasonable and responseable who is they are out of control and do as they want with do rules please help
I've recently transferred money to a friend using XXXX from the Bank Of America Online Banking app. It was a quite substantial amount, {$2500.00}. The transaction ended up with my money going a wrong account. There was apparently another BoA account associated with my friend 's phone number. I did some research online and there were people out there faced the same problem without satisfied solution ( https : XXXX ). Per their advertising that users only need mobile phone number or email to start transferring money, and the fact that there could be more than one bank account associated with one mobile phone number has proven that the mechanism is a big security flaw in their software. And also the fact that this issue has been ignored for so long is unacceptable.
I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed
I have filed several complaints against Wells Fargo, and the opposing counsel, Attorney XXXX XXXX XXXX # XXXX, has committed several legal violations. For example, he has severely violated his oath as an Attorney in the state of California, and is totally corrupt. Again, he has issued me a fraudulent document which consisted of a mortgage note that was falsified due to the fact that it did not match the original copy of the mortgage note. In addition, Attorney XXXX XXXX XXXX has been indulging in dual-tracking while a loan modification was in progress, sending me direct emails, and letters instead of communication with my legal counsel. In addition, Attorney XXXX XXXX XXXX attempted to have someone deliver personal papers to my next door neighbor that consisted of information regarding the status of the subject property, and was discussing the foreclosure attempts regarding the property with a friend of mine who is an Attorney, but is not my legal counsel. My neighbor told the individual at the door never to come back to his home again. The auction of the subject property is scheduled for XX/XX/2019, and Attorney XXXX XXXX, has not offered any alternatives to the foreclosure process. Finally, Attorney XXXX XXXX needs to lose his license to practice law in the state of California.
I had an account with Wells Fargo for XXXX yrs. I had a checking account with a savings account. On or around XXXX of 2015 I was on a XXXX in which I had {$2000.00} in my accounts. Some how I got a {$5600.00} charge and knowing I would have to work out a settlement with the cruse line. But Wells Fargo completed the transaction causing me to be over {$3600.00} in the negative. I had no money in over draft protection and in the past if I had a {$100.00} pre authorized payment and only {$90.00} in my account it was declined. ( always ). Never have they paid any transaction if I did n't have the funds available. 
I went to speak to my branch manager he called the main office and they to him it was a mistake on there behalf but nothing they could do nothing about it. 
Resulting in closing my account and keeping me from being able to have a checking account with any financial institution. 

This type of business is unjust. 

Thank you for your help in this matterXXXX XXXX