WillisBack/dataset-financial-user-claim huggingface dataset:
I borrowed money from ACE Cash Express several times. I lost my job after I took out my last loan. I informed them and made a small payment towards my loan and explained my situation. The representative set me up for a payment plan being on the date of my last check with my previous employer. The representative helping me told me with my payment it would bring me down to a lower even amount. After payment was made I called to make another small payment as I explained to the previous representative I wanted to make good with that company and pay them off but my employment situation was stopping me and once I got a new job I would make bigger payments. When I asked my balance it was even higher. I explained my situation to the representative and she told me it was an installment loan and grew interest daily I told her that he previous representative had told me I would n't get anymore interest and I would have to just pay off my balance. She said I would get interest til the end of XXXX which makes my balance a lot higher and causes lots of financial stress on me and my family being that I 'm unemployed. I thought I was doing the right thing when in fact I should have never gave a payment so I would stop accuring interest a lot sooner. I was not valued as a customer to this company obviously I would never recommend their services to anyone. They did not attempt to help me in any way.
Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''
Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one.
The IRS has placed a lien on the property of XXXX XXXX XXXX XXXX, XXXX CA XXXX. On XXXX XXXX a person tax lien. 

The IRS can not accept payment from an unknown party with no legal standing to ask to have removed a tax lien to commit civil fraud against me and the estate of XXXX XXXX. The estate has not been probated and the debtors and creditors have not been heard.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate n reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
synerprise has XXXX open accounts since XX/XX/2010. 
XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. 
I have already paid to the hospital.
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I previously requested Suntrust to establish overdraft protection on my account when I received an overdraft fee in XX/XX/XXXX. They advised that it would be established. In XX/XX/XXXX I requested then received another overdraft fee of {$36.00} and they advised that the overdraft protection was not established as advised by the previous representative and they would confirm it corrected and waive the fee, the conversation occurred on XX/XX/XXXX. XX/XX/XXXX a transaction went through and there was n't enough funds to correct the transaction I was charged the fee and requested the fee to be waive and was advised that due to the fee they fixed in XX/XX/XXXX they were not able to adjust an additional fees on the account. Escalated to a supervisor who was unwilling to help or support on XX/XX/XXXX Requested to escalate further and she declined.
Dear CFPB : I desperately need your assistance. My home is in foreclosure. I had a short sale approved since XX/XX/2018. The buyer and I have been ready, willing and able to close this matter but have been unable to do so because of my lender. Attached is a claim for {$45000.00} which came up during my title search. My insurance company issued a check for damage for {$13000.00} and was not aware that the City of XXXX XXXX ordered the garage demolished as it was a danger to the public and could have collapsed. XXXX XXXX upon reviewing the claim issued another {$18000.00}. My lender is holding over {$31000.00} issued by insurance carrier which should be used to pay my property claim. If they do not pay this claim the City of XXXX XXXX will put a lien against the home and me as the owner for {$45000.00}. My attorney for over 4 weeks has been attempting to resolve this matter. They keep sending her to property loss then to hazard insurance department then back to home retention department and on and on it goes. We are now 13 days from my closing deadline and I am simply getting no where. Not only am I facing my credit be permanently destroyed by having a foreclosure sale instead of a short sale on my credit, but this procrastination is opening me up to {$45000.00} in liability to this contractor. Please help me as soon as you can.
I will no longer expect anymore of your reviews of disputes from the accounts that I have asked you to send me the original signed documents on. You have violated every single request so if you do not mind please remove XXXX XXXX CLOSED XXXX XXXX CLOSED XXXX ACCOUNT AND ALL CREDIT INQUIRES
THE BANK SENT ME SEVERAL CONSUMER EMAILS STATING THAT FOR EVERY IMMEDIATE FAMILY MEMBER I REFERRED THAT OPENED AN ACCOUNT THAT ME AND THE RELATIVE WOULD BOTH RECEIVE {$50.00} REFERRAL FEE. 
I HAVE REFERED XXXX FAMILY MEMBERS AND ONLY RECEIVED CREDIT FOR ONE OF THEM. THE BANK REFUSES TO GIVE ME CREDIT FOR THE OTHERS.
Capital one credit granting entity issued a credit card from application using others information and thru credit reporting, granting credit, and responding to investigative agencies and entities have violated my rights as a consumer, committed mail fraud by responding to an investigation that they saw no fraud, which is a false statement submitted and transmitted through the us mail. 
From information from another attempted fraud application from XXXX XXXX, it was determined that the application was submitted using social security number XXXX, Im informed by XXXX that this is factual, as well as the fraudster used a previous address and name that I havent used since XX/XX/XXXX due to identity thief. 
On XX/XX/XXXX capital one sent and result of a fraud investigation stating that they saw no fraud, but sent it to my actual address, which is again using unauthorized my credit report without permission to skip trace, which the delivery of this document constitutes mail fraud because its false information applied to me personally. 

Their case investigation is XXXX, its false. In requesting the investigation I outlined my actual social security number which isnt the one that they issued the card to and requested deletion of the item, their response is false.
A XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX WILL NOT STOP CALLING MY PLACE OF EMPLOYMENT ..I HAVE REPEATEDLY TOLD THEM NOT TO CALL MY EMPLOYMENT AND TO CALL MY CELL PHONE ONLY..THEY XXXX ME TO THE POINT I DO NOT EVEN ANSWER MY PHONE..AND BLOCK EVERY SINGLE NUMBER THAT IS UNKNOWN TO ME..
I ordered my credit reports from all 3 reporting agencies in XX/XX/2018. I noticed a host of errors or some items I had no clue where they even came from. I began sending the reporting agencies letters to understand what and who were these companies reporting these items on my reports. As, I started the process the other two agencies would reply with deletions on a monthly bases. Although EQUIFAX, from XX/XX/XXXX to present would reply saying most of the items were verified and had been updated or modified. At this point I called the other agencies and asked how does one remove a item and the other updates it? the rep. explained an situation about some system that they used and told me to called and speak to someone from that agency it should be an easy fix. Never the less I spoke to two reps. and this matter was pushed back to me to call the companies and fix this problem. I have sent ALL on the collection agencies letters asking for verification and Assignment of the debt and NEVER received replies back from NONE OF THEM as to ASSIGNMENT AND MEDICAL HIPPA RELEASES. And the 1st item which is my car payment it says this account is closed with a XXXX balance. When in fact this account is current. I called and spoke to a rep. and he replied that I would have to call them and have them to update that information. Now, with all of this being said how can I, as a consumer trust this agency truly does investigations when for a FACT they on reply that the item has been verified or updated. I also asked another rep. on a different date asking her about accounts that are closed but still are reporting a negative balance, she replied I have to call them or send a letter. agent XXXX or XXXX.If your reporting this information WHY do I have to do there job to make sure its correct. WHY? When this company ( EQUIFAX ) has had more security breeches than any other agency and as a consumer puts all of the burden of proof on us as a whole. I have had companies to put my reports and denied my because of the collection filed. ( ALSO in PDF ). I also, question this agency on all items must be 100 % accurate? If I, send proof that it has been deleted from other reports. Wouldn't that make the item listed on EQUIFAX in accurate? Can you please give me some clarity on if the information in NOT the same one all reports? NOTE Equifax is the only agency that this doesn't seem this matter. Again, with all the breeches maybe Equifax should work with consumers to resolve these issues oppose to using some software to investigate the information.
XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To Equifax it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. Equifax now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D )  XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX {$960.00} ( G ) XXXX XXXX XXXX  {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX XXXX {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.
I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX, XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2015 XXXX XXXX X/XX/2016
Hello Sir/Madam, I had a new inquiry credit report on XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 which I could n't recognize. Because this inquiry, my credit score might go down and which may affect my future plans like buying new home. Can you please inquire these inquiry and remove this this inquiry from my credit report. 

Please let me know if you need any more information. 

Thanks, XXXX XXXX.
In mid  XXXX , I discovered my mortgage payment which I thought I submitted  XXXX   XXXX , 2017 via Bill Pay thru the   XXXX   XXXX   XXXX   had not gone thru. I called Seterus, Inc. On  XX/XX/XXXX  I phoned the company and spoke to  XXXX  and told them my payment had not gone thru due to my error. With  XXXX , I agreed to pay the   XXXX    payment and the late charge to total an amount of {$670.00}. He asked me to hold while he did whatever was needed to conclude the transaction. I do not remember any further conversation. and I hung up. On about  XX/XX/XXXX , I made the  XXXX  payment in the amount of {$640.00} which was to reach them by  XX/XX/XXXX . On XX/XX/XXXX , I received a letter from Seterus telling me I had a late payment. I phoned Seterus on  XX/XX/XXXX and spoke to  XXXX  who told me the   XXXX    payment was used to pay for  XXXX . I told him of the XX/XX/XXXX  transaction which he acknowledged in his record. He also told me the transaction was not completed and asked why and he said because I hung up on  XXXX . I stated that I did not hang up. I then asked why if transaction was incomplete a return phone call to me was not made. This same argument I made to a Manager,   XXXX   who said they had to charge another late charge (  XXXX  ) because these were the rules. I can not believe that if a transaction is incomplete their staff are not allowed to call the customer back. This makes no sense nor is it good business. Please look into why they have such a rule. I realize this is not a significant amount, but I believe its a rip off of folks just trying to pay their obligations. Thank you   XXXX   XXXX
We never received any bills or any kind of paperwork about payments and now it is in deferment and being automatically withdrawn from my account.
XXXX XXXX XXXX, I Reported : XXXX. XXXX, 2018 {$11000.00} This item has been removed by XXXX ; it has been removed by Equifax two or three times only to be reinserted ; which is against F.C.R.A. law because I was not notified of the reinsertion within 5 days in writing ... I have proof that it was deleted and reinserted also, and plan to pursue litigation if it isn't permanently removed.
American Express executive office relentlessly violates my consumer privacy FCRA rights. I reported compliance fraud against their overseas underwriting dept & filed a case with XXXX XXXX XXXX # XXXX 5mths ago about terroristic calls from the Servicing dept. They are constantly denying my credit limit increase using false accusationsof which I have faxed & verified to chairmans office that I have requested executive assistance with in my country & they are refraining to process submission know that my scores are high & my consumer profile is free from derogatory information. I am a US. XXXX XXXX Citizen & American Express is violating my consumer integrity with solicitous lies & slander. I have proven them wrong for 6mth that their excuses for US service is un-lawful. The calls have been recorded & they are purposely routed outside the US to hack into my financial affairs.
I paid off my student loan which was being collected by XXXX. They confirmed that they were the collection company servicing my student loan debt. I called to ask about my interest statements for the two years it took to pay off my loan and my payoff letter that I never received. I was told that I needed to contact the post payoff company, Navient Solutions, I called them and told them that I did not receive an interest paid XXXX for either tax year, XX/XX/XXXX or XX/XX/XXXX and I did not receive a payoff letter in XX/XX/XXXX after the debt was satisfied. I have called and spoken to representatives and supervisors of Navient on XX/XX/XXXX ; XX/XX/XXXX and again on XX/XX/XXXX. Each time I was told " we sent it out '' and they confirmed my mailing address provided by my employer and confirmed by me. I am entitled to the benefit of my tax documents and a payoff letter. I was never told who I was speaking with until I specifically asked for the company name and mailing address. I was given Navient Corp., XXXX, PA XXXX. I later discovered through online research, this was not a complete mailing address, the correct address is : XXXX, PA XXXX. Would you please assist me in obtaining my interest statements for XX/XX/XXXX and XX/XX/XXXX and my payoff letter?
I bank with Chase bank. I deposited a check, Chase claimed the check came back NSF, therefore did not credit me the funds and charged me a return check fee. The check was given to me by a family member so I validated whether this was accurate or not, upon speaking to my family member I was told she was sure the funds were there before the check was written and were still there at this point. I told her to call her bank, she did and informed me her bank said they never received the check. I called Chase and the agent kept claiming that per their records the check was NSF and returned, it is worth noting the agent had a bad attitude and was rude. I wound up 3 way calling the bank ( XXXX, so technically not a bank ) and had the agent at XXXX XXXX inform the agent from Chase that they never received the check. The agent from Chase apologized and reversed the returned check fee. While this is an appropriate reaction, I want to know why I deposited a check, Chase bank did not present the check to the maker 's bank and then claimed they did and it came back NSF, when had they presented the check it would have cleared because the funds where there ( I even saw this evidenced ). As an XXXX I can say this is a very serious operational failure.
My mother and I have both permanently opted-out of credit card offers. I have submitted the paperwork twice 5 years ago and again last year. We still get relentless offers by mail from Capital One. They will not stop