WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm not sure I selected the correct option, but I would like help in solving the following problem. On XXXX XXXX, 2015, I received an alert from the XXXX credit monitoring service I subscribe to. The notice stated that I had a new hard inquiry on my credit report. I immediately contacted XXXX to dispute the error. The representative I spoke with stated that I needed to contact the creditor Cash Central and that they would need to contact XXXX. When I contacted Cash Central, I was told that I did not have a loan with them, or submit an application, but that a third party provided my information to them. Cash Central put in a request for someone to contact me. During the phone call I explained that I did apply for a loan from Cash Central nor did I give permission for my credit to be pulled. I advised that XXXX has the credit inquiry listed as a hard inquiry on my credit and that I would like it corrected. 

On XXXX/XXXX/15 I received the following email response : Dear XXXX XXXX, We are in receipt of your dispute regarding a credit inquiry by Cash Central. Cash Central was forwarded your application information for a loan from a Lead Provider. The application was declined and no loans have been requested in your name. 

Under the terms of the Fair Credit Reporting Act, Cash Central can obtain credit report information regarding customers when ( 1 ) the credit report information was pulled in connection with a credit transaction involving the customer and a request for an extension of credit, and ( 2 ) Cash Central otherwise had a legitimate business need for the information. 

Your application was forwarded to us in a manner that permits us to take the steps needed to complete verification of the applicant, including, by way of example, referring to databases containing consumer information and pulling credit reports. 

If you would like further information on the lead provider in which Cash Central obtained your information, please contact me directly. 

Sincerely, XXXX XXXX Cash Central XXXX XXXXXXXXXXXX I then sent the following response : Good Evening XXXX XXXX, Thanks so much for the quick response, but I 'm not sure I fully understand the response. XXXX listed Cash Central as a hard inquiry on my credit report, but I did not apply for credit from Cash Central or any other company on Saturday, XXXX XXXX. Nor did I give permission for my credit to be pulled by Cash Central and XXXX will not remove the inquiry from my credit report until your company provides me with a letter, or contacts them. Please help!! 

In addition, what is the name of the lead provider as I would like to contact them as well. 

Thanks in advance for your response, XXXX XXXX Please help!! Is Cash Central able to pull a hard inquiry of my credit report without my permission. I am in the process of rebuilding my credit and do not wish to have my credit pulled without my permission.
EQUIFAX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.
Seterus Inc has been holding my {$50000.00} hardest hits fund for over 4 months claiming a " system issue ''
I opened a BBVA Compass ClearConnect Checking account on XX/XX/XXXX which had a sign up bonus attached for {$200.00}. This was my first account with BBVA Compass. I completed the requirements for the bonus on XX/XX/XXXX. The terms state they will deposit the bonus within 60 days of meeting the requirements, which they have not done.
Earlier this month Wells Fargo Bank froze and closed my checking and savings account due to suspected fraud because my boss had me deposit some checks for him. Rather than the bank notify me or simply reject the deposit they have closed my accounts without releasing the funds and reported me to XXXX for suspected fraud. Since this occurred My other bank closed out my checking account and the new bank I tried denied me. I want this removed from the system somehow as it was not fraud and I am not in a financial position to hire a lawyer to sue them for all of the harm this is causing as I can not access my money that was in the accounts and have not been able to receive my payroll as there is no bank to route it to. Please help me I do not know what to do.
Ive explained that I have been out of the country for 10 years to NCB Management services and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Were all aggregated and Discharged via XXXX under account XXXX XXXX XXXX XXXX XXXX and are to be expunged from consumer credit report. The debt was transferred and then the remaining balance was completely discharged due to reoccurring illness first documented in XXXX 2007, however due to HIPAA laws in effect select details will NOT appear in public portion of consumer credit report. any such violation will result in fines and fees.
Describe what happened so we can understand the issue ... A rep from this collection agent did n't catch her name will call about 2 times a day asking to settle the debt. She will call from the XXXX number now it 's been turn into her call from a local number here In our state. 



XXXX XXXX XXXX, Mn XXXX NCB MANAGMENT SERVICES XXXX XXXX, PA XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off {$8800.00} This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Today XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.
Despite paying the minimum payment on my Citi Double Cash card, my monthly statements show increases in the balances subject to interest and interest applied over the last four months. No fees were incurred, and the APR was fixed on a promotion. If I am paying the minimum payment with a fixed APR and no fees, my balance subject to interest should be decreasing since the minimum payment should cover the most recent interest applied plus some amount toward the principal balance : XXXX balance : {$4800.00} Payoff with only minimum due : 19 years Minimum payment due : {$95.00} Paid : {$95.00} XXXX interest applied : {$41.00} XXXX balance : {$4700.00} Payoff with only minimum due : 19 years Minimum payment due : {$88.00} Paid : {$89.00} XXXX interest applied : {$42.00} XXXX balance : {$4700.00} Payoff with only minimum due : 19 years Minimum payment due : {$89.00} Paid : {$89.00} XXXX interest applied : {$46.00} XXXX balance : {$4600.00} Payoff with only minimum due : 19 years Minimum payment due : {$92.00} Citicard representatives could not explain to me why my balances subject to interest, interest charges, and minimum payments are increasing monthly if I am making minimum payments and the overall balance is decreasing.
I requested my checking and saving at chase bank to be closed. They closed the savings but did not close the checking. I had XXXX cents left in the checking account. 
An automated payment that had not update via XXXX of {$12.00} went to the checking account after I requested it closed. It should have been rejected, but I was charged {$34.00} " INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM '', again on an account that should have been closed. I took the hit and wired the {$46.00} total from my new account at XXXX XXXX to XXXX out the chase checking account. Between the time it took to get there and the time chase left the deposit " pending '', chase charged an " EXTENDED OVERDRAFT FEE '' of {$15.00}. I immediately wired {$15.00}. I wanted this account XXXX and close ASAP. 
As soon as they clear that transfer they charge " SERVICE FEE '' of XXXX. Total fees totaling XXXX, in less than two weeks on an account that was supposed to be closed. I need this to stop. I am on a fixed income and can not afford to be leeched by an unscrupulous company.
On XX/XX/XXXX2016 I received an updated credit report with a previously disputed account, XXXX XXXX XXXX being deleted from my file. On XX/XX/XXXX2016 I received a credit monitoring alert with XXXX XXXX XXXX being reinserted on my file. This account was never verified, nor was proof of verification sent which is why it was deleted on XXXX/XXXX/16. I was never notified within the 5 days of this account being reinserted on my file or proof of veriffictation method or documents. When I contacted Equifax I was advised the account was never disputed, there were no police reports on file, and the account belongs to me. I have an updated credit report from XX/XX/XXXX2016 with this account listed in the results as well as a report from XXXX/XXXX/16 showing this account was removed. The rep then hung up on me once I started quoting the FCRA laws.
I am requesting for XXXX XXXX of XXXX to remove and block this fraudulent account immediately from my Equifax credit report. Your company as well as Equifax recently deleted this item from my credit report. Your company as well as Equifax have violated my rights under FCRA by reinserting recently deleted on my credit report without first notifying me within five days. Why have your company violated my rights? I am seeking punitive damages as well as {$1000.00} from your company.
the company that reports credit EXPERIAN HAS OVER XXXX XXXX ADDRESSES THAT ARE NOT MINE AND OUT DATED INFORMATIONADDRESSES ABOUT XXXXOUTGATED INFORMATIONREQUESTED A SCORE AND REPORT AND THEY SENT NOTHING
Previously I disputed the hard inquiries on my credit report and they were deleted. Recently I logged in to monitor my account and they have been added back on and this has made my fico score go down.
I was emailed a fake collection email on a debt that I do not owe. Here is the email they sent me : Case File No : XXXX Total Outstanding : {$980.00} Loan Company : ACS/ACE CASH SERVICES Dear Debtor, As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & that 's the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number. 

If you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, interest rate on the loan amount which is $ XXXX.We regret that if we do not receive your response within the next 24 hours, we shall have no alternative but to take an action through your local County Courthouse to recover the amount due together with court costs and legal fees which cost approximately {$3200.00} AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid : - Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer Attachment of Earnings base ( Earnings Arrestment ). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt The Factual Basis for the complaints is as follows : - You agreed to return the funds from the aforementioned income advancement as per contract. 

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value. 

At present, ACS INC is seeking either of the following remedies : - All funds to be returned as per terms of initial contract If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us or email us right now to pay or agree to a payment plan with us. 

AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THRU AN EMAIL OR CALL US : XXXX. 

NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS. 


Yours sincerely Collections & Legal Department ACS LEGAL | Privacy | Terms of use Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
I bought virtual currency also known as crypto currency through and American based company named COINBASE located in XXXX XXXX, Ca. The Currency I bought was Ethereum and in order to purchase through COINBASE I linked my COINBASE account to my checking account to electronically fund my COINBASE account. I purchased XXXX Ethereum worth roughly {$5000.00} COINBASE will now not let me sell the Ethereum crypto currency and return it 's value to my checking account in US dollars. 

I called 3 times to their " help '' line and spent over 3 hours talking, begging them to simply sell my crypto currency, Ethereum, and return it to my checking account. They would not do it, nor would they transfer me to anyone who would help me. They said someone would contact me and this has not happened. 

I believe they have stolen my money.
ON XX/XX/2016 I WENT OUT CAR SHOPPING TO PURCHASE A CAR. I WENT TO XXXX XXXX IN XXXX VIRGINIA TO LOOK AT A CAR. DURING MY APPLICATION I SUMMIT I GOT TURN DOWN FOR MY APPLICATION. ON MY CREDIT REPORT XXXX DENIED MY APPLICATION. I AM NOT DISPUTING THAT. BUT I ONLY SUMIT ONE APPLICATION AND IT SHOWS TWICE ON THE SAME DATE AS XX/XX/2016 AT THE SAME DEALERSHIP. I HAVE DISPUTE THAT SEVERAL TIMES AND STILL NO CHANGE, IT SHOULD ONLY SHOW ONCE ON MY CREDIT REPORT AS A HARD INQUIRY NOT TWICE. I AM DISPUTING THAT AND I WANT THAT ONE REMOVED. I AM NOT DISPUTING THAT I SUMMIT APPLICATION I AM ONLY DISPUTING THE SECOND ONE. I WENT TO DEALERSHIP TO INQUIRY ABOUT THAT BUT THEY STATE THEY CANT DO NOTHING ABOUT IT. I CALLED XXXX AND I GET THE ROUND AROUND
Dear Equifax, 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, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING 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 to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) CONTACTED in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Loan Refund is what is due!

Tuition Options, endorsed by the XXXX XXXX XXXX, secured my student loan. I have contacted Tuition Options on several occasions. My loan to attend the defunct school should be returned and I am asking for your assistance. 

Please see finding of fraudulence by XXXX XXXX XXXX, XXXX Ma in text below. 

XXXX XXXX Announces XXXX XXXX in Debt Relief for Thousands of Massachusetts Students Who Attended XXXX XXXX XXXX Former For-Profit School Admitted to Lying and Violating Massachusetts Law ; U.S. Department of Education Takes Unprecedented Action to Cancel Student Loans XXXX Nearly 4,500 students victimized by the now-defunct XXXX XXXX XXXX ( XXXX  ) in Massachusetts will have their federal student loans forgiven by the U.S. Department of Education, Attorney General XXXX XXXX announced today. The announcement marks the first time the Department has granted a state attorney generals application to cancel loans for a group of defrauded students. 

According to the Department, students who attended any of XXXX five career training schools in Massachusetts XXXX, XXXX, XXXX, XXXX, and XXXX will have their loans discharged based on deceptive and illegal practices uncovered by the AGs investigation into the former for-profit school. In addition to federal loan discharges, former XXXX students will also be entitled to refunds of any payments made on their federal loans. The combined borrower loan discharges for XXXX students announced today will total roughly XXXX XXXX.
I went online to Equifax credit report and after fully identifying myself, informed Equifax that they were showing XXXX ( XXXX ) incorrect previous addresses on my report. The addresses were ( 1 ) my mother-in-law whom I never lived with. ( 2 ) my daughter, whom I never lived with, and ( 3 ) my previous work address that I have never used as a residence. After reporting these error on their online form, they incomprehensibly asked me to forward to them, a copy of the following documents:1. Valid drivers license2. S.S. card or XXXX form3. Utility billI can understand this request if they were verifying my current address, but considering that none of these documents have anything to do with the erroneous information on my credit report, I question the inconvenience of the means in which they want me to resolve this issue.
I wrote Experian on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of the law.
There were many inquiries on my account that were deleted and reinserted to my credit report without My knowledge. I 'm asking that these inquires be removed. To my knowledge that against the FCRA XXXX credit cards Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX
Lender required bank verification by logging into account on their site that included answering a security question. My account is now at risk. I was told I was approved then after verifying the account I was denied.
Regions bank have created a record on our company that has made almost impossible to apply for a new bank account. We had been with Regions Bank for around 12 years and two years ago we decided to move elsewhere since they were manipulation our deposits so to create lots of fees for themselves. After we had the account closed they went ahead and file a complaint through some sort of XXXX XXXX XXXX saying that we owed them {$530.00}. We have asked them for the transaction and have had nothing but rudeness and bad faith attitude with us. We tried to go to the Federal Reserve of XXXX where this part of the banking system have sent a response letter to us with no signature no name or reference number and would never pick up their telephone calls. Region will tell you that they have already sent us the transaction while in fact its just a typed letter by telling how much we owe them. XXXX XXXX XXXX was the one who promised the official transcript to us and when I tried to call she was no longer with the bank.