WillisBack/dataset-financial-user-claim huggingface dataset:
Creditor : State Farm Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( State Farm XX/XX/XXXX ) I contacted State Farm on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for State Farm or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
To whom it may concern : on XX/XX/18, I looked up a lender that would not use a credit score to qualify ( to avoid denial ). I needed a " hardship '' loan to pay rent as I didn't have income for 2 months due to losing employment. I was approved rather quickly at a 37 % loan rate and received the {$1000.00} I requested ( to pay rent/avoid eviction ). 

The XXXX XXXX Transaction was : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRN # XXXX RFB # I did not receive any loan terms documents from them within this approval process. 
Last week on Friday XX/XX/18, they withdrew a payment of {$200.00}. Today XX/XX/18, they withdrew {$330.00}. The next payment will be {$320.00}, {$300.00}, {$290.00}, {$270.00}, etc. 
This payment of {$330.00} just took my auto loan out of my checking account. Which prompted my call to them to ask what my rate was on this loan, the agent didn't know what a " rate on a loan '' even was. I asked if she can send me my loan terms. I received it immediately with the following details. 
The APR on the loan shows 666.2935 %, amount financed {$1000.00}, Finance charge {$3000.00} Total payments {$1000.00}. 

Being from a XXXX XXXX background - If I saw this, I would of looked for other resources to get out of my financial situation I was in. 

In addition to this matter, I am a single mom and this ended up putting me into more hardship than I was in prior to calling them for short term help. 

I need help as this is Pred
I got a letter from American Coradius International LLC saying that I owe an account balance of {$400.00} from a XXXX, XXXX account. I have never held a XXXX, XXXX account and I have never owed money to them. I do not have any idea whose debt this is.
I am a Maine resident attempting to freeze my credit report with Equifax in light of the massive data breach. They are attempting to charge me {$10.00} for the freeze. As a Maine resident, as of XXXX, we have a law stating there is no fee for freezing and un-freezing your credit file. 

As per http : //www.mainelegislature.org/legis/statutes/10/title10sec1310.html " ... Beginning XXXX XXXX, XXXX, a consumer reporting agency may not charge a fee for placing, removing or suspending for a specific party or period of time a security freeze on a consumer report. [ 2015, c. 139, 2 ( AMD ). ] '' The other reporting companies ( Transunion and Experian ) successfully implemented freezes without requesting credit card information and payment. This breach is the fault of Equifax and not only should they honor Maine State Law and freeze my credit report without charge, but in this crisis, they should allow anyone in U.S. the ability to freeze their reports for free. The last thing we as consumers should be required to do is provide more credit card and personal information to a company that just demonstrated to the entire country that they can not and should not be trusted with such data.
Due to this delay in my ability to freeze my report without unnecessarily ( and illegally under Maine State Law ) providing them with even more sensitive information, they should be responsible for any, and all fraudulent activity that happens in my name ( and every other affected citizens ' name ), until there is a satisfactory resolution to this crisis.
My XXXX and XXXX XXXX student loans has never been late. They have removed them and put them back several times. I have consolidated two of my XXXX loans and they have been closed for six months, XXXX XXXX loan is currently in deferment and they are both being reported as late. I have contacted all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX by certified XXXX letters disputing the information. They both sent me updates saying that the information was verified and correct. XXXX has removed all the negative information from my report as far as the items reporting late. These two have refused to comply with the request from the loan companies as well as myself. I have called and spoke to XXXX and XXXX XXXX about them reporting me late. They both told me that they have sent request to the four reporting agents and asked them to remove the negative ( late ) status since XXXX. XXXX XXXX went as far as sending me an email stating that they have requested for the information to be removed. I need this corrected ASAP as I am trying to apply for a mortgage.
This company received a letter dated XXXX XXXX, 2017 from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.
I CALLED ALL THREE CREDIT AGENCIES, XXXX, XXXX, EXPERIAN AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.
I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified XXXX dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX   {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX  XXXX XXXX {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, Equifax and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
XXXX   XXXX  Inquiry  XX/XX/2017   .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to   XXXX   on the evening of  XX/XX/2017    to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what de als I may  qualify for and the applicable terms. He tried  XXXX  times to CONNECT with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an  XXXX  of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was becaus e no one fro m their end ever called or chatted with  XXXX  or myself. To date,  XX/XX/2017   , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the credit score that was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XX/XX/2017   . I expect for the inquiry to be deleted IMMEDIATELY.
My Loan was being serviced by XXXX XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX. My Loan matures XX/XX/XXXX After I made my XXXX payment, I notice on my account on-line that 1.My escrow  had decreased and 2. There were some additional charges to my loan. I called XXXX and talked to customer service and address the issues with my loan. I was told that they had paid my my personal property tax out of my escrow early on XX/XX/XXXX. 
I then began to discuss the extra XXXX in fees that were on my loan. She said that she couldn't tell me why I was being charged Legal Fees Due XXXX Other Fees Due XXXX and Late Fees Due XXXX. I told her I did not incur XXXX in late fees on this loan. I also told her my loan had never been modified or ever been in no foreclosure. She then stated that I would have to talk to somebody in another department. So on XX/XX/XXXX I received a call from Fay Servicing telling me that they were taking over the loan with 2 payments left. So I started addressing the same issues with him. He said they had just got the loan from XXXX and he could could only tell me that my principal balance was XXXX. I just wan na know why am I being charged these bogus charges. What Attorney charged us XXXX, Why am I being charged XXXX for other charges, and statements showing XXXX in late fees for this loan. 
Finally I find it kind of hard to believe that Fay servicing sent this same loan over to XXXX with over XXXX of bogus interest and principal balance that I disputed XXXX of XXXX which was adjusted. And now with 2 months left on same loan its back in the hands of Fay Servicing. Fay Servicing had all ready serviced this loan from XX/XX/XXXX to XX/XX/XXXX.
On XX/XX/2017 two transactions were made around XXXX with our Huntington Bank Credit Card. We called the next day to attest these obviously fraudulent charges made within minutes of each other - one to a company called " XXXX '' for {$540.00} in the XXXX and the other to a company called XXXX ( a music mixing software company ) out of Minnesota. The charges were reversed and investigations opened. On XX/XX/XXXX, the charge made to XXXX for XXXX was put back on our credit card. When I called to inquire why we were being charged for this obviously fraudulent transaction, I was told that Huntington Bank had closed the investigation. When they reached out to XXXX, they were able to confirm that the purchasing address and shipping address matched what they had on file for our card. Which means that someone stole our cc information, as well as our address. When I explained to Huntington that this purchase was for online software, based on their website, and that no shipping address would ever be needed for this purchase they declined to pursue further, stating that I needed to follow up with XXXX to get our money back. I have had no response from this company. I have made several calls to Huntington, their fraud department, our local branches - no one is willing to assist with a fraudulent charge or investigate it further when they have already proven that another fraudulent charge went through on the same night only minutes prior.
When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit.
I submitted all requested data to the Bank of America Loss Mitigation Department and my request was denied. I submitted an appeal and my appeal was denied. My husband passed away in XX/XX/XXXX, the only income I have is {$1800.00} in XXXX. {$800.00} in pensions and {$400.00} from a boarder. My current mortgage is interest only, {$2700.00} per month interest only. I also have regular expenses ( auto payment and insurance, utilities, etc. ). I am currently supplementing my expenses by depleting my IRA. My mortgage is scheduled to jump to {$3500.00} per month in XX/XX/XXXX yet I can not get BOA to modify my loan.
The following complaint was resolved by it being removed from XXXX on XX/XX/XXXX. How do I get it removed from XXXX and Equifax also? Here was my Case number : XXXX I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!
Third party collection agency is trying to collect and reported to credit bureau a debt I advised I do not owe the amount they say I owe as I made payments. I also sent a letter within 30 days disputing debt and requesting them to show me how I owe them I never received a response. The amount I agreed I owed i paid in full to original creditor prior to it being put on my report.
I received a notification from XXXX XXXX XXXX on a past due XXXX bill from XXXX/XXXX/XXXX I immediately disputed the validity of this debt and they sent me back a copy of a bill dated XXXX/XXXX/XXXX showing a balance. 

This is in no way a validation of the debt as it does not show whether or not the debt was paid or not. 

Further more the company put a collection account against my credit which is currently reporting on my credit file and has been showing an active open collection although this account is and has been in dispute. It is my understanding that this ca n't happen until the debt is proven to be valid. 

I have called them and sent to date 3 different emails to try and resolve this matter with zero response back.
this account is fraudulent i have sent in copies of my id and the police report with it listed i dont know who stole my information and opened this account but this needs to be removed from your files immediately
The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the FCRA.
Td bank accepted an fraudulent check against my account for XXXX three weeks ago. I contacted them immediately and went down to bank to fill out all paperwork and police report ( XXXX XXXX ) the check against my account was so fake even the branch said it was crazy, and it didnt event have a full endorsement. After repeated calls to bank, Im getting nowhere. They say its under investigation from other bank, and no one can tell me when im getting my money back, they make it almost feel like its my fault leaving my money in their bank. It was a mobile deposit against theyre bank, and no one can tell me where the check was even cashed. I called fraud line 10 minutes after it appeared on my online banking account, now I had to get a new bank account, im late on bills, and my wife had to take a half day off of work to file claim
I was contacted in XX/XX/XXXX by XXXX XXXX XXXX XXXX. I was called about an apparent credit card that I opened in XX/XX/XXXX. According to XXXX XXXX XXXX, I paid on the card until XX/XX/XXXX ( for all I know, the card could have been paid off! ). According to the said group, The card was on my credit report, then taken off due to statute of limitations. The debt was for approximately {$5000.00}. The person I talked to on the phone stated that if I paid {$1000.00} within a month, he would settle the account, if I didn't he would sue me and the judgement would go on my credit report. I explained to the person I talked to that I vaguely remember even having the card. I didn't know that I could be sued for such an old debt. It seemed odd that such a high balance could be settled at such a low amount. I didn't understand why I was given such a short time frame to come up with a large amount of money for me. When I explained to the person I talked to that a lot had transpired since XX/XX/XXXX,  included a XXXX dad who survived a housefire, who I'm now Power of Attorney of. When I asked to at least have more time to get the money, that was refused. I didn't want to promise that I could get {$1000.00} in a month when I couldn't. What if I made that promise when called, and my XXXX   dad died. As Power of Attorney, I would be in charge of end of life arrangements, while going through the grief process myself. Would XXXX XXXX XXXX still take me to court then? It is inhumane to put such ultimatums on people in lue of the inevitabilities of life!
I asked Ocwen Loan Servicing for a loan modification after my husbands illness. At the time I was behind in payments and was willing to pay longer for less a month. Instead of lessening my payments, they have charged me {$1200.00} instead of {$800.00} After the XXXX we had in the XXXX, I could not keep up.We had tree damage, very high heating bills and the co-pays on my husbands XXXX medications went up. I thought I would Get help from Ocwen, but I did n't. I agreed out of fear for my home.
XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX  and XXXX XXXX  and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!
I just read about the complaint filed against Navient ( formerly XXXX XXXX ) and I was subject to those issues. I was encouraged several times ( and took the advice ) to enter into forbearance. Never once was offered an income-driven repayment plan when I struggled to meet high monthly payments. Fortunately I was able to the loans off just a couple years ago.
I have disputed this account with XXXX, XXXX, and XXXX various times, so we 'll see what the Creditor has to say. Original Creditor XXXX XXXX XXXX XXXX XXXX ca. It 's not my account, I would like to see proof that it is, according to the Fair Credit Reporting Act I 'm entitled to proof that it 's mine. I want to see the contract with my signature on it. At the time when this supposedly happened I was in nurses care recovering from a major XXXX. Thank you for your time.
I received a bill from XXXX XXXX dated XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX trying to resolve this matter, he offered a settlement in the amount of {$380.00} from the original balance of {$480.00}, I advised XXXX XXXX from XXXX XXXX that I was in contact with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX who should have received my application regarding this bill back in XXXX, I went to XXXX XXXX hospital directly today and drop off my application regarding this account for their financial assistance and XXXX XXXX still insisted me paying the {$380.00} discount price and he ignored the fact that XXXX accepted my financial assistance application and threaten to keep my account in collections instead of reaching out to XXXX to verify the information regarding my account. XXXX XXXX would have not taking my applications if they were not will to work with me regarding this. XXXX XXXX was so insisted on me paying {$380.00} instead of contacting XXXX XXXX. XXXX XXXX billing department put a note on my account stating I dropped off all the necessary paperwork regarding my account so the can see if I qualify for assistance, if not I will make payment arrangements with XXXX where the bill is from