WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my personal credit report, which I acquired from your organization on XX/XX/2017 date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter XXXX XXXX XXXX
Multiple tradeline-credit reports of the same student loan disbursement by two or more loan servicers [ =tradeline reporters ] are unlawful being duplicate reports of one loan by one-and-the-same lender ( here, XXXX XXXX XXXX ). That is, it is unlawful for one lender, XXXX XXXX XXXX, to duplicate credit report the same loan simultaneously through more than one of XXXX XXXX XXXX subordinate/agent loan servicers, here, coincidental credit reports of one loan by both XXXX and XXXX XXXX. The lender for my federal student loans, legally distinct from mere loan servicer, is identified for each of my federal student loans in the XXXX XXXX XXXX XXXX XXXX ( hereinafter, XXXX, respective loan photocopy record pdf attached ). Duplicate loan reports by a single lender, XXXX XXXX XXXX, are unlawful because duplicate loan reports double/more-than-double borrowers credit-reported-debt for each loan duplicated in the borrowers credit report. The borrower is not liable to pay unlawful duplicate-credit-reported debt, but said illegal duplicate report materially adversely impacts said borrowers credit worthiness ( higher interest rates, less favorable loan terms, etc. ), and lowers credit score. In my case, duplicate/triplicate-loan-servicers ( s ) -reported student loan debts make it impossible for me to obtain even minimal new credit from any bank/lender, i.e. despite no adverse credit act in my life, and middle class US-government-paid income, I am denied any new credit. Reproduced below are the duplicate reports by XXXX ( prepayment loan servicer, i.e. no payment was owed to XXXX/no payment was made to XXXX ) and XXXX XXXX ( hereinafter, XXXX, current loan servicer, to which repayment installments are made monthly ) of same disbursement/student loan reported in my most recent, XX/XX/XXXX, XXXX, XXXX and TransUnion ( hereinafter, Credit Reporting Agencies or CRAs ) Credit  Reports : ( See two tradeline pdfs attached from XXXX and XXXX. ) It is evident from these two tradeline-reports within one CRA credit report for the same {$20000.00} student loan disbursement, that my actual legal liability ( now after 76 monthly payments to FEDLOAN ) on said loan is less than {$11000.00} ( 3 payments through XX/XX/XXXX, not shown ). Nonetheless, XXXX, a former servicer/never lender not owed any payment, illegally duplicate reports this one XX/XX/XXXX student loan, so my credit report currently reflects more than {$31000.00} debt for said one loan, more than {$20000.00} of which is XXXX fictitious unlawful duplicate reported debt I do not now/never owed. 
I have repeatedly disputed said unlawful duplicate reporting of my student debt to CRAs and XXXX, to no avail. To date, CRAs temporarily delete XXXX disputed tradeline then illegally reinsert it at XXXX unlawful oft repeated request. As legal lender and principal of both its agents, XXXX and XXXX, XXXX XXXX XXXX obviously bears ultimate legal responsibility for the actions of loan servicers acting in clear violation of federal law for benefit of XXXX XXXX XXXX.
XXXX collection agency sent me a letter received XX/XX/18 in response to a validation of debt letter. The company was unable to validate the debt but stated in the letter they will no longer respond to my requests. There is no attached contract or validating documents to support this debt being mine or that I owe it. I sent a validation request the first week of XXXX and their response is XXXX will now cease further communication with you regarding the account. 

Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.
1. Equity Settlement Services ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to XXXX XXXX XXXX ( the Mortgage Loan Originating company ). Instead, and for unknown reason, Equity Settlement sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from Equity Settlement and XXXX XXXX. 

2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of XXXX XXXX or Equity Settlement is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 

3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The companies refuse to provide such.

4. Although 4 months have passed since they collected their fees in this transaction, Equity Settlement Services and XXXX XXXX have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.
this banks ran a hard inquiry on my credit report without my authorization on XXXX/XXXX/XXXX I when to look for some vehicles but at no point I told sales rep to run my credit now my is it XXXX and it was at XXXX please help XXXX XXXX XXXX. XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXXl XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Ally Financial XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX
I have had difficulty paying my bill in the last month or so. Every time I call to make an arrangement, I am talked to in a very awful way, and they threaten to take my things, and to report to the police that I have n't made my payment. I have previously always paid on time, and I 'm having difficulty making the payment, and I 'm not sure when I will be able to resume payments. I understand that I need to make my payment, but the company needs to be able to speak to me in a non threatening way, and try to make an arrangement with me. I owe {$640.00}.
In contacting Equifax to obtain a physical address ( not a XXXX ) in order to mail certified/registered mail. XXXX are not acceptable addresses to send certified/ registered mail to. I obtained with no problem same information from XXXX and XXXX where they did provide a non XXXX address without any problem or hesitation. Yet upon contacting Equifax for same information not only was their professionalism non-existent but they left me on hold for over an hour and ten minutes. In order to properly document a dispute to have my credit properly reported and reflect the correct credit score, the attempt was made to contact Equifax to obtain such information. All I got after this attempt was that Equifax does not have an address that receives Registered/Certified mail with no explanation whatsoever. To add further, in contacting directly I was placed on hold for an inordinate amount of time where call was never picked up. I had to call from a separate phone line altogether, speaking with Supervisor XXXX ( No last name provided ), where other call was still on hold while speaking with XXXX at the same time. It irks me that this company expresses customers/consumers are important to them. I beg to differ, not only was I treated like a second class citizen but my concerns now stem to whether they are reporting consumer credit information accurately given their blatant disregard for a consumer like myself trying to make a viable inquiry as to the financial credit reporting that this company is supposed to take seriously. To conclude, as a consumer I find this behavior deplorable, un-professional and seriously makes me question this company 's business practice on the treatment of customers/consumers, which now makes me question Equifax 's integrity on reporting financial credit information properly after my experience with them today. Thank you for your time and I look forward to CFPB 's response with regards to this matter. 

Respectfully submitted, XXXX XXXX.
I am and have been a student that has been enrolled in a program at least half time. Every 3-6 months despite my student status, I begin to receive harassing emails and phone calls from Navient demanding payment for loans that are deferred. On at least 5 different occasions I have told them that I am a student and to stop but every 3-6 months it starts again. I have one loan that is on automatic payment that should only be {$25.00} a mint while I 'm in school. This month, they deducted the full amount from my account and I can not get in contact with anyone to get the money returned.
On XX/XX/2018 i received a notification that i have a credit inquiry from XXXX/XXXX ... ..I did not apply for credit with this company.Im not even sure as to who this company is.
ONCE AGAIN NATIONSTAR FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO NATIONSTAR TO MR. COOPER. AS WE SPEAK NATIONSTAR REPORTING ON XXXX AND XXXX AS NATIONSTAR AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.
List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.
My complaint is with my credit card company XXXX XXXX thru XXXX XXXX that continued to pay monthly charges for products that was returned and cancelled with the fraudulent company by letter of cancellation on XX/XX/XXXX. I had tried numerous times to contact the company by phone but was unable to ever talk to anyone so the only resort I had was a written cancellation. I have talked several times with the credit card company and they would put the items in dispute but would deny the dispute because I did not cancel by phone. Each time interest and service charges and other charges were added to the account. I have talked numerous times to the credit card and each time to no avail as any help or resolution on this matter. I called them yesterday XX/XX/XXXX to try to come to a compromise and was informed that this account has been turned over to a collection agency. I have had excellent credit and do not want this score lowered because of this issue. 
I can Mail all copies pertaining to this issue if they are needed. Just let me know. My scanner is not working at present time.
I was assuming that I was creatign a free account on Transunion website. However, that was not the case. The website shows a poor job of telling you if the account you are creating if free subscription or paid. All it says is credit monitoring and that it is a subscription that you can cancel anytime after going to the website from a XXXX search of Transunion credit report. It does n't mention if it is a trial either where you have x amount of time to cancel. All it does is tell you to create a user name and password, enter your personal information, and your credit card and go to your profile. After going to my profile, I had issues getting TU Credit Lock feature to work due to some mismatched information that I do not know of. I contacted Customer support online and offline, Fraud department, and other numbers mentioned on gethuman to resolve the issue but each department kept referring me to call the other where no one knew about the service and the reason for the issue, and how to resolve it. It is then when I looked into the issue myself as I looked to check my profile information on the Transunion site that I have signed up for a paid service and that they took {$20.00} out my account. I contacted the billing department and that stated that since I signed up and automatic payment was made that they will not refund me the money despite their misleading webpage regarding what you are signing up for and if it costs. After informing them that I will make a complaint, they have now updated their page to show the pricing.
From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.
CitiMortgage received a short sale offer from me on XX/XX/XXXX. I'm an XXXX XXXX military service member that has had orders. I have been in default since I had to leave. We submitted the short sale XX/XX/XXXX - Citi took this time until XX/XX/XXXX to say that my file was REJECTED because they said that the " borrower '' which would be me, dated the purchase contract XX/XX/XXXX and my property was not on the market 15 das PER HUD GUIDELINES. My property WAS on the market for over 15 days. My property was LISTED XX/XX/XXXX, and then had multiple offers submitted on it. The buyers sign offers when they submit for review. My agent took it off the market to review offers with me on XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX is exactly 16 days. I did not fully execute the contract until the XX/XX/XXXX. We immediately escalated this with CITI to show them their error. They said it needed to have a variance from HUD which it does NOT because we met the 15 days on the market but some negotiator read BUYER signing date and substituted that with the BORROWER signing date ( which is the seller - ME ) - It has been SINCE XX/XX/XXXX to try to straighten out this issue. We have escalated to MULTIPLE departments, without response. Meanwhile my property sits, and my default days grows. My sale should be moving forward
I have an XXXX XXXX XXXX XXXX XXXX XXXX. According to the card benefits I am protected up to {$5000.00} for trip interruption benefits. I filed a claim for a trip that was cancelled due to weather on XX/XX/2018. I have spent countless hours on hold and on the phone with the company only to get the run around. They have denied my claim without reason, or their reasons are inaccurate. 
I was stuck on the tarmac for 3.5 hours and miss my connecting flight and missed the cruise in XXXX. According to my card benefits, I am covered for the cost of the trip, however they are denying my claim without reason ( or the reasons make NO SENSE ) They give me phone numbers that aren't even in XXXX to call. I have spent the past 2 months working on this and the last call was 58 minutes long before I had to hang up while on hold waiting for someone. 
My entire trip was cancelled because of weather. I have an email from XXXX XXXX, which I sent to the credit card company, confirming that the flights were cancelled due to weather. 
They are a fraudulent company offering things that they won't delver on. 
I am don't know what further actions to take besides reporting them. 
Please help.
XXXX XXXX XXXX calls repeatedly all through the day ( robo calls ) XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX
I was in an accident which was not my fault in XXXX. I just took out loans on a brand new XXXX XXXX XXXX. We did not even have the vehicle for a month. No one notified us we had any outstanding balance until XX/XX/2018. We were told from XXXX XXXX that it was taken care of in full, we owed nothing. We contacted XXXX in XXXX, MA and they said they would take care of it. We heard nothing until XXXX from a notice dated XX/XX/2018 claiming we still owed XXXX. I asked them WHY and if they could send an invoice. They claimed they can not tell us WHY. So WHY should we pay a bill that we can not see WHAT we are being charged for? I called the dealership and the " manager '' said that the VIN number was wrong. She refused to also tell us WHAT the bill was for. I feel this is illegal especially because we do not know WHAT or WHY we are being billed this amount. They are threatening to take action if we do not pay this amount within 10 days. We do not have the money to pay it at the moment, and we were told we owed nothing by the other person that works at the dealership and he would take care of it.
Frivolous debt collection attempt against me and co defendants. 

Facts of the case : Alleged loan # XXXX. Address : XXXX XXXX XXXX XXXX, KY XXXX Name : XXXX XXXX 1. Originator of the alleged loan admitted that it did not lent money. Table funded loan. Fraud in inducement. Predatory and Fraudulent lending. No consummation of the loan happened. RESPA violation. 

2. No assignment to the Trust is legally possible. 

3. Wilmington Trust misrepresented the character, amount, and legal status of a debt, in violation of 15 U.S.C. 1692e ( 2 ) ( A ), and used a false representation or deceptive means to collect or attempt to collect a debt, in violation of 1692e ( 10 ). Wilmington Trust violated the Federal Debt Collections Practices Act. 

4. On the XX/XX/2015 note maker notified Wilmington Trust N.A. by Truth in Lending Rescission Notice. Wilmington Trust refused to fulfill the obligations under regulation " Z ''. See 1026.23 Right of rescission. By operation of law on XX/XX/2015 the Note and a Mortgage become void. See : ( XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX ( XX/XX/2015 ). Continuation of attempt to collect on void instruments constitutes Statutory TILA violations. No standing. 

5 Attempt to collect on discharged debt. FDCPA violations. ( Violation of the Bankruptcy law ) 6. Violation of constitutional rights.
I believe TransUnionXXXX are colluding with XXXX XXXX. I filed a report with CFPB against XXXX XXXX in XX/XX/XXXX ( Complaint Number XXXX ). Since that filing TransUnion dropped my score 237 points. XXXX  has the same information and my score remains in the 600 range. Also TransUnion will not give me online access to my report or the ability to dispute it online which is a violation of the FCRA act. In addition they are allowing XXXX XXXX to reset the clock on a debt and report it as started in XX/XX/XXXX that was opened in XXXX and removed last year when I provided proof it should not be on my report. The other violation is with the other collection agency, XXXX XXXX XXXX. I have provided a statement from the XXXX XXXX XXXX stating I don't owe them any money and have contacted their tenant screening division with this documentation and they will not remove it from either reports. 

I have the same issue with XXXX which dropped my score 206 points and will not allow online access to my report nor the ability to dispute online. They are both doing what's in the best interest in the creditor and harming me the consumer. I am working hard to manage my credit and debt I don't feel I should pay the penalty because the bureaus are intimidated by creditors and collection agencies.
I called the compant and spoke to XXXX XXXX XXXX and he once again told me the company has a non- removal policy no matter if i made the complaint to the cfbc they will not remove it for me, even though it is paid in full. They have to release of record! I have never had a collector not release? This is prohibiting my ability to purchase a home for my family.
Equafax released my personal information and violated my privacy expaoing me to risk and is now making me sign a release that to accept credit monitoring services, made necessary by my mistake, I must sign away my rights to be a part of a lawsuit? Outrageous.
On XX/XX/2016, we submitted an online wire transfer from our company, XXXX XXXX XXXX, to The XXXX XXXX as prepayment for a truckload of methanol that was going out the next day. This payment was seized by either our bank ( Bank of America ), or by the receiving bank ( XXXX XXXX ). It is difficult to tell just who had our money, as each bank said they did not have our money, and that the other bank was responsible. We were told that it was flagged by the Office of Foreign Asset Control ( OFAC ) as somehow being a foreign transaction, or suspicious in some way. The transaction was neither foreign, nor suspicious, as we only do domestic business selling methanol ( a fuel ) to US destinations. ( This one was XXXX to XXXX. ) We ( XXXX XXXX ) have been doing online wire transfers for several years in the normal course of our business as methanol brokers, which is well known to Bank of America. The intended recipient of this payment, The XXXX XXXX, is a major supplier of methanol, and does a large volume of business with this commodity -- much larger than ours by far -- and is thus well-known in this capacity by its bank, XXXX XXXX. The day after this seizure, we provided our bank with all of the information they asked for ( invoice, purchase order, etc ), as well as talking to multiple bank representatives, multiple times. Two days later ( XX/XX/XXXX ), the funds were still being held, so we submitted a replacement wire transfer online. This payment, too, was seized. At this point, our supplier, The XXXX XXXX, believed we had failed to pay for the XXXX loads that had gone out to us during that time, and so we paid them AGAIN for the same XXXX loads of methanol. This amounted to {$8100.00} that we paid twice, so {$16000.00} total. Some companies in our same situation may very well have lost the entire account -- and we would have lost this important account as well -- had we been unable to replace the funds ourselves while we waited for our funds to be released, which took TWO WEEKS. The second payment was released only today, XX/XX/2016, which is 16 days after the first payment was seized. At this writing, we have been able to salvage this new account by sending payments overnight in the mail, bypassing the wire process altogether. This new account will generate significant revenue for us, assuming these bureaucrats do n't succeed in killing it for us. The reason I am reporting this incident is because I believe one or both banks are systematically misappropriating funds that they hold and/or use at their discretion without just cause, while causing serious harm to the business interests of their customers ( eg - our company, and other companies like us. ) These people were given all the information they needed to make a determination as to the nature of the transaction on the FIRST day they asked for it, and yet, they continued to hold our funds for 14 more days. This is outrageous! These banks should be monitored and/or investigated for abuse / misuse of their customer 's money.