WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilFeb XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.
I made my house payment online on XXXX/XXXX/16. 1 day before the grace period ended. I logged into my US Bank mortgage account and made the payment. I received the thank you for your payment screen. I then checked my email and I received a confirmation number in an email thanking me for my payment. So I thought it was all good until a week and a half later when I went online and checked my bank account ( NOT US BANK!! ) and noticed they have n't taken my house payment out yet? I went to US Bank site and now it shows a late fees so I called them and the recording also states I made a payment on XXXX/XXXX/2016. I finally got a lady on the phone and she said there was a clerical error. I said okay so you are going to remove the late fee then right? She said no I told her I have a confirmation email and she said that does n't mean anything, I told her there was no error when I made the payment and again she said that does n't matter, I told her that the phone recording says I paid on the XXXX too! Again her answer was that does n't matter! She also said I have to make the payment on the phone now to avoid the payment being 30 days late which will cost me another {$11.00}? How can they say thank you for the payment, send you a confirmation # and say thank you for your payment and the recording when you call says a payment was made on XXXX/XXXX/16 and STILL charge you a late fee? Also why was I never emailed saying there was an error please call or visit the website? What if I did n't view my checking account online and waited for the bank statement to come to balance my account? Is this even legal? I would also like to note that I will only pay online now because I had a past late fee and US BANK said they did n't receive my payment in the mail until after the due date? It was being sent to a location only XXXX state away from me. US Bank claimed they did n't receive it until after the due date.. I sent the payment in 12 days before the due date. Their excuse was they do n't control the post office.
On XX/XX/2016, a check for {$200.00} was withdrawn from my Wells Fargo checking account. I believe that check was not written or my husband and demand to be reimbursed for {$200.00} unless Wells can prove one of us wrote it. The number on the check is # XXXX, which was far out of sequence. Another check that cleared the same day was # XXXX. I called Wells Fargo customer service on Saturday, XX/XX/XXXX, to ask to get a copy of this check, because when I click on the image of the check online, it says the check was not available. The other check that cleared the same day was available online. I spent more than an hour on the phone with four different customer service reps. The first one passed me to the second one, without informing the second one of the nature of my call. The third one said I would need to pay {$25.00} per hour for Wells to research this, which is absurd because it is Wells Fargo 's fault the check is not available online. The fourth " executive '' rep said I should go to the branch and they could get a copy. Doubtful, I asked that person to call the branch to make sure they could do it before I wasted any more time. She called and the he branch said no they could not get it, so I am glad I saved myself the trip. The fourth agent said she could not help me because it was a Saturday, but promised to have someone call me on Monday, XX/XX/XXXX. No one called me on Monday, or any other day this week. So now I am at wits end. I do n't know what else to do. Maybe the CFPB can help.
XXXX XXXX is a third party collection agency I have been repaying my school loans. In the last few weeks, they have called my place of employment repeatedly despite them being told not to call. The last time they called a woman by the name of XXXX XXXX was rude to the staff. This is unaccpetable, especially since I make monthly payments! Besides, it makes absolutely no sense to get someone fired from their job where they make money if you want money from them!!! And i do pay them monthly!
I had several payday loans from different companies and for the same amount of money as Big Picture. Those loans got paid off. Big Picture/Castle kept going and going. Then XXXX day they texted me that my payment was sent back from the bank. I called back to try and get this solved. They said the text said it was turned to collections. I panicked, the text did not say that. I began to feel something was wrong so I notified the XXXX and filled out a report. In the mean time, they repeatedly call be on my landline and cell phone day and night, every day. They call and then hang up.
( 1 ) On XX/XX/XXXX I purchased a car and got a loan through XXXX XXXX XXXX XXXX ( XXXX ). ( 2 ) On XX/XX/XXXX I voluntarily surrendered this car to the lender, however, it took XXXX four months to pick up the car after I offered to turn the car in to them. I'm sure they were adding interest and late fees during this additional four month delay. ( 3 ) XXXX was required to send specific notices to me, under state law, which I never received. ( These notices are itemized in a letter I sent to XXXX on XX/XX/XXXX ). I never received any documentation as to the amount the car was sold for, how much was credited towards my loan or any details on the exact amount of the loan that was still due. ( 4 ) On XX/XX/XXXX an Order of Dismissal was issued by a Kentucky Court on the referenced loan. This is the first time I was notified that XXXX had taken legal action against me in the first place. ( 5 ) On XX/XX/XXXX I met with a military financial counselor who helped me prepare a letter to send to XXXX. I mailed the letter USPS certified return receipt and never received a response. The letter is attached ( item 5 ). ( 6 ) After no response from XXXX, I pulled my credit report and noticed that XXXX XXXX out of XXXX XXXX, MN is now collecting on this car loan. I have not received any notification from XXXX XXXX. ( 7 ) On XX/XX/XXXX the military financial counselor helped me prepare a letter to send to XXXX XXXX to request validation as to their claims. 30 days have past and I have had no response from XXXX XXXX. This letter was mailed USPS and I have proof of delivery ( attached item 6 ) ( 8 )  Today I am sending a second letter to XXXX XXXX ( attached item 7 ). ( 9 ) Proof of USPS delivery is attached as item 8.
I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.
XXXX XXXX bought a credit card debt and forwarded it to Cohen & Slammowitz now known as Selip and Syanilou to be collected. A judgement had been placed at least XXXX years ago. They garnisheed for it. The IRS was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.
On XX/XX/XXXX I tried disputing the following unauthorized inquiries with Trans Union. Trans Union would not let me dispute these unauthorized inquiries online or over the phone. These inquiries are not mine. So I am asking Trans Union to do a full investigation of these unauthorized inquiries on my Trans Union credit report. If these unauthorized inquiries can not be verified. I'm asking for these unauthorized inquiries to be deleted. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Debt was paid off for XXXX. Debt was then put back on credit report after paid in full. Contacted XXXX who advised XXXX XXXX XXXX did not provide them any records of debt being paid off therefore I would need to pay account off before any services could be offered. I paid sprint my balance of XXXX. Was advised that XXXX XXXX XXXX no longer owns this debt. Disputed information with Equifax who advised this debt was valid but this in incorrect as 1. I did not pay them I paid the original creditor XXXX. 2. XXXX XXXX no longer owns this debt.
after 4 years and AFTER my social UNsecurity number and other personal information was HACKED AND LEAKED by the incompetence of XXXX all of a sudden a debt collection for natcred in the amount of XXXX dollars showed up on my report no collection agency is going to wait 4 YEARS!!! to start collecting that is utterly moronic. all that XXXX AND Transunion did as far as an investigation goes is contact the debt collector for confirmation which 10 out of 10 they ALWAYS SAY YES. This is proof of a sheer lack of proper investigation and proper procedure on there parts. it illuminates how they never care about the consumer and that the consumer is always just a liar. when the fraud here and incompetence has been committed by XXXX leaking all my information to be used by real criminals. also XXXX has a bunch of incorrect information on accounts that were closed when I filed for bankruptcy BUT they have them listed separately because they refuse to do a proper investigation into those accounts and request the bankruptcy papers from the FL court it is not my job to provide these to them and I am XXXX they can request the info and READ THE FACTS themselves, which were cleared in my chapter XXXX bankruptcy of XXXX XXXX XXXX, XXXX and XXXX XXXX it has always been an uphill battle with these people and a waste of time they never, EVER!!! TREAT the consumer as a client we are ALWAYS considered criminals that do n't pay for anything. IM SICK AND TIRED of this ineptitude and lack of respect by these companies.
I received a copy of a credit report from Transunion in XX/XX/2018. I noticed several inaccurate/unknown accounts and inquires that did not belong to me. I quickly contacted Transunion via USPS and I must say, I have been drug around and in the dirt over the past six months. I wrote and listed all the fraudulent information, sent it via USPS and every time Transunion responds back with a letter saying these are VERIFIED. How that is possible is beyond me, I am XXXX XXXX and a number of these accounts and inquires were when I was away. To simply put it, I am a victim of fraud and Transunion does not care. After several Attempts to get Transunion to please adjust, correct and delete the fraudulent accounts, I have now filed Identity theft with the FTC. I have also reported Transunions ill taste in serving the consumer. I truly hope they take this serious, as I am ready to use any and all outlets possible to get the fraudulent accounts and inquires removed. This absurd situation has hinder me from my personal life to my work life.
On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ Pressler & Pressler , LLP ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency since XX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, XXXX Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX  tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX , XXXX in the matter of their client : XXXX XXXX XXXX XXXX XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX Pressler & Pressler File #, Account # or Docket # ( ( ( XXXX ) ) ) PRESSLER & PRESSLER , LLP : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )
I have contacted wells Fargo four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, wells Fargo began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
Transunion is reporting XXXX XXXX mortgages as open and unpaid theese XXXX accounts have been paid in full ACCT # XXXX and ACCT # XXXX ATTACHED IS CONFIRMATION FROM XXXX XXXX XXXX
I would like to add to my Complaint # XXXX regarding Bank of America. I was contacted immediately from the bank regarding my first complaint and I was assigned a rep that would help me with my modification. I was told that I needed to resend my Husbands payroll records which I sent to them. I received a call from another person at the bank that my modification was again denied because they could not read my Husbands payroll records therefore they were only using my income. This is ridiculous, instead of denying me they should have called and asked me to resend it. I am so sick and tired of dealing with Bank Of America.
Ive paid all of my XXXX loans and now im recieving this letter in the mail an it says i owe XXXX more dollars. I went to XXXX and wen i got out and called after recieving my paper work in the mail they said hat they paid back the remaining balance of what was not used to the loan company so i paidn off all the XXXX loans and the XXXX loans that i had witch included them taking my tax return almost XXXX dollars im super irritated with this XXXX so someone needs to do some reaserch and figure out how many debt collection agencies have my loans and why i keep getting more of these places contacting mesayin i owe them thousands of dollars when all together i only owe XXXX dollars period
I just received a response from Ad Astra and they claim that the account i have placed under fraud alert is mine. I have had no luck trying to dispute this item for many months now and I have explained to all parties involved, even the XXXX credit reporting bureaus that I have had fraudulent accounts opened under my name, starting with XXXX XXXX. Somehow this company is abusively calling me regarding this debt that has nothing to do with me, and I even told them that all of the machine messages they left on my cell phone were against the law in my state of California. They refused to place this account in dispute when I challenged its validity and they claimed to have sent me paperwork which is also nonexistent. I have never received anything from them. I have suffered so much at the hands of this company. They choose to pretend I do not exist until I bring my case here to your portal. They have absolutely no right to report to my credit files and try to make me pay for something that is not mine and this company whom they work for is apparently accepting applications from fishy people. What is more hurtful is that they did n't even wait XXXX day to attack my concerns and my complaint. they just responded like I do not matter and as if my case has not been in dispute since XX/XX/XXXX. They are the ones who are the problem. How am I supposed to defend myself? They send me a ridiculous link on fraud protection when I have told them many times that there ALEADY is a fraud alert on my credit reports, so how are they allowed to keep this up? How was their client allowed to pull my credit? i do not understand this. I have a XXXX different things I will say until this company is investigated for violations against consumer rights. I will not stop fighting this company an their client, no way.
I knew i had late fees for not paying my credit card bill ontime yet the credit card company has abused their power to contact me and my family, i mean, they call atleeast 20xs/day. They have been contacting my parents and harrassing them, making assumptions and accusaions. i have contacted the credit card bank to set up a payment plan and they have agreed to follow up with that plan regarding my financial situation and not being able to pay on time, therefore the past week has been excessive phone calling abuse and saying harrasing things to my family.below is the number that has been calling me with harrasing words as well as one of The XXXX XXXX   numbers in specific order. 
Random number : XXXX ) XXXX XXXX : XXXX ) XXXX
i have a private loan which originated in XXXX ( 2006 ) and i live in XXXX. why am i still responsible for it?? also, my daugher cosigned for me and she needs to come off. after all these years it should be in my name only. she informed me that she would contact them about taking her name off. well, the response was she was the primary borrower and i was the maker. today, i got the opposite information where by i was the primary borrower and she was the cosigner. this is affecting our relationship because i got behind. It had been in forebearance and then a collection agency called me and then threaten her with wage garnishment and contacting her corporate office. After i spoke with them, i sent them a cease and desist letter. Aes contacted me and told me that i was n't able to use any more forebearance but they offered me a payment arrangement. i have since followed this to the lettter but the interest or the days late is constantly going up. my balance is n't going down. what shall we do???????????????
I 've sent multiple requests to collection agency, both regular and certified mail, using their own return envelope that they provided with their collection letter. Collection agency has refused to verify my debt and refused all certified correspondence that I 've sent to them, including Validation of debt request.
I have called the company several times and the people I spoke with raise their voices at me and refuse to offer any type of repayment option that I can afford or let alone anything other than a large unreasonable repayment at a outrageous interest rate. They advise I should fall behind on other creditors in order to pay them. I was previously on a rate reduction program and paid just fine for many years, when asked to keep my current payments the same, I was told I could not and they must be increased significantly. I was also told that I am utilizing my credit and therefore they can't work with me but after taking a run down of my finances, they advised they were aware I could not afford more. I advised that I had been using my credit cards in order to make their payment but that is not good enough, they want more money. I also advised at the time that I was XXXX and going on XXXX due to XXXX XXXX XXXX, which will also decrease my wages and ultimately incur more monthly expenses. I was told by the rep that didn't care and that doesn't matter to them. The interest rates are significantly high and even though I have paid for many years, the company refuses to reduce my interest rate or payment. I also received a letter stating to call and I would be offered multiple repayment options, including settlement. When I called the number on the letter, I was not offered one repayment option other than {$400.00} a month, which I advised was impossible. The rep on the phone then said why should we work with you if can pay all your other creditors, I advised that I had offered to pay a more reasonable amount and the rep claimed that was not good enough and that they will not work with me and if I don't pay, they will sue me! No offer of these plans as stated in the letter I received and they continue to harass me with multiple phone calls daily with no messages left and oftentimes multiple calls back to back.