WillisBack/dataset-financial-user-claim huggingface dataset:
Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called TransUnion Credit Bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.
On XXXX XXXX I checked my Equifax credit report, I notices two accounts on my report that not mine .I disputed this threes times with Equifax and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below 1.XXXX XXXX/ XXXX Acc # XXXX, Open date XX/XX/XXXX {$4000.00}
I am being charged {$920.00} in insurance fees for a mortgage force placed insurance policy from XXXX. This amount was just charged to me XXXX XXXX after I received ( XXXX ) XXXX claims settlement checks in XXXX XXXX. XXXX check was for {$980.00} and the other for {$950.00}. These were due to overpayment on forceplaced insurance policies. Incidentally I obtained my own home owners insurance in XXXX XXXX. I had a loss of coverage in XXXX due to my having to fike a claim on my state farm home owners insurance from the XXXX XXXX XXXX XXXX that hit Alabama. My insurance company dropped me when my policy term was up. Over the years my forceplaced insurance has always been paid in conjunction with my house note. It would be an additional {$120.00} on top of my {$630.00} mortgage. When I came out of bankruptcy in XXXX XXXX {$13000.00} was paid to Greentree to bring all balances current. I feel I am being charged this huge amount to pay at XXXX time due to the insurance settlement. It has been added to my mortgage payment sue for the month. I am disputing this amount due.
ASSOC CREDIT SERVICES XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$800.00} I HAVE NO KNOWLEDGE OF THIS DEBT. ANY ACCOUNT ( s ) OPENED IN MY NAME IS A RESULT OF IDENTITY THEFT.
I hold XXXX fully responsible for this derogatory collections on my credit report with Experian. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
I have sent several letters to experian to provide proof or delete credit inquiries that I did not apply for. They have replied to me telling me to contact the companies that made the inquiry. I have contact the companies via phone, and they don't have records of me personally applying for credit. 

The companies I would like removed from my experian credit report are 1. XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX of downtown XX/XX/17 3. XXXX XXXX XX/XX/XXXX They have been reported on the other 2 credit bureaus, but have been deleted as per their investigation. Experian intentionally keeps reporting the inquiries and it is affecting my credit score.
I called collection cosultants in XXXX Ca because a XXXX bill of {$420.00} pops up on my credit report. When I call to make payment the credit collectors say different amounts and will not take my {$420.00} payment but want close to {$3000.00}. This company seems very fraudulent to me and I asked them to produce records of the supposed debts and they will not comply. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX.
I got a loan with Goldman Sachs for XXXX. The percentage agree upon was XXXX. But they are taking right at XXXX dollars for ever XXXX XXXX XXXX towards interest. That 's 25 percent.
no good catergory for this- violates cardholder agreement then demands ( via extortion ) to be paid on entire line.
1- never late on secured line ( upright law was on retainer -and you cant collect ) 2- under advisement of council I was told not to pay 3- refuses to allow me to open another SECURED CARD because of lawyers request. ( wants 12mos, w a normal 6mos review cycle ) 4- refused to reissue card as demanded 90 days ago. I moved and my mail was stolen. several items went missing.
5- refuses to purge account under part 209 of fcra- debt is not only disputed, it is denied in full.
6- law violations can not allow a company to extort ( must pay account or we wont close it ) customers for money. THIS IS SECOND EXTORTION ATTEMPT. TBI has been notified.
so has someone at TN.gov, bill haslams office. problem never resolved.
Transunion deleted all of my inquiries off of my credit report and then replaced them a few days later without written notification as required by FRCA Section 611. I have diligently been trying to have this matter rectified but to no avail. This is drastically affecting my financial status.
On XX/XX/XXXX, I submitted a formal debt validation request to a company by the name of XXXX XXXX, who is reporting an unidentified debt on my XXXX, XXXX and XXXX consumer reports for the amount of {$390.00}.

In addition, on XX/XX/XXXX, I submitted requests to all the credit bureaus asking for a reinvestigation. However, despite my concerted efforts, the account remains on my credit reports.

Federal law require that the credit bureaus provide a way to ensure that each it on my credit report belongs to me. Since the information is inaccurate and has not been validated, it is a violation of federal law by both the credit bureaus and the company XXXX XXXX.
I owed a debt in the amount of {$32000.00} for an installment loan entered into by contract on XX/XX/2016. The loan was subsequently charged off. XXXX XXXX XXXX purchased the debt, which was recently posted to my credit report through XXXX XXXX. Prior to the posting, I was contacted by a collection agency regarding the debt. As a judgment regarding said debt had not been obtained against me in a court of law, I requested validaion. The debt collector could not provide me with a signed contract or any proof that I owed the debt. Subsequently, XXXX. XXXX, wrongfully and in reckless disregard of the facts, added a collection account to my credit report.
XXXX  has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I disputed several accounts in XXXX with Transunion and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
My name is XXXX XXXX on XXXX I have received numerous calls back to back from XXXX from a XXXX XXXX associate of the below mentioned law firm, started harassing me and threatening criminal prosecution if I did not pay this debt from XXXX advise wanted proof of debt validation and he did not identify me that I was right party contact and verify my information first or read me the mini miranda instead he was very abusive and threatening and cruel and demand payment now! I hung up on him he called back three more time in minutes after the first call again at XXXX finally XXXX Then he called my husband XXXX XXXX XXXX for past 28years at his cell XXXX three times threatening him at XXXX, XXXX XXXX and harrassing him, for payment my husband advise of cease and desist verbal and reminded him of TCPA AND FDCPA LAW MY HUSBAND HUNG UP ON HIM Goldstein, Cruise and Smith LLC collection agency she claims XXXX XXXX XXXX at XXXX XXXX on XXXX/XXXX/XXXX on my cell XXXX claims she is an attorney and she does n't have to adhere to FDCPA and left threatening message I have saved on my voice mail Also called from XXXX from XXXX at XXXX no message left have saved on my call log. Both of these numbers go to a prepaid cell # in XXXX, California Phone : ( XXXX ) XXXX View Additional Phone Numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX View Additional Email Addresses! THERE IS AN ALERT ON GOLDSTEIN, CRUISE AND SMITH LLC!
I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said " We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter, including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least, Experian should be required to inform consumers of why they were " unable to honor your request '' when the consumer receives a denial for their free annual credit report.
XXXX XXXX is posted two times, once on the date of the XXXX  and again on the date of XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - date of XXXX  The Accident dated XX/XX/XXXX was 100 % not my fault, the other driver rear ended me and I won a settlement in the case for the other driver 's neglect. 

XXXX XXXX
I traded my XXXX XXXX XXXX for a XXXX XXXX at XXXX XXXX XXXX. The trade was made on XX/XX/2016 but Wells Fargo auto finance is showing my existing autuo loan past due and will be reported past due to credit bureaus because they have not processed the new loan paper work in a timely manner. I was told that I needed to call WF Collections and explain the issue and could n't guarantee that my loan would not be reported late. I was told to obtain a 10 day pay off so WF had time to complete the new financing, that date has come and gone and I can not get anyone in the Vehicle Financing Department to care about it 's currently past due or give me any information on completing the new loan.
THIS COMPLAINT IS AN EXTENSION TO A PREVIOUS COMPLAINT FILED REGARDING MY SHORT SALE WITH MY MORTGAGE COMPANY AND THERE NON COMMUNICATION WITH ME REGARDING THE PROCESS AND PROCEDURES FOR LOSS MITIGATION. MY COMPLAINT WAS NOT ANSWERED IN A SATISFACTORY MATTER BUT IT DID PROMPT THE COMPANY TO AT LEAST RETURN MY CALLS REGARDING MY SHORT SALE. I HAD BEEN TRYING TO SALE MY HOME WITH A REAL ESTATE AGENT AT NO PROFIT FOR 2 YEARS PRIOR TO APPLYING FOR A SHORT SALE WITH NO LUCK. AT THE TIME OF MY FIRST COMPLAINT I HAD A VERY GOOD OFFER FOR {$160000.00} AND MY PAYOFF FOR MY 1ST MORTGAGE WAS {$140000.00} WITH A 2ND MORTGAGE LIEN OF XXXX AND ANOTHER HEAT PUMP LIEN OF XXXX. I WAS NOT GETTING ANY RESPONSE FROM MY 1ST MORTGAGE COMPANY AT ALL REGARDING THE SHORT SALE. MYSELF AND MY REAL ESTATE AGENT WERE CALLING EVERYDAY. ALL OF OUR PAPERWORK WAS IN AND NO ONE WOULD RETURN OUR CALLS UNTIL I FILED THE COMPLAINT. ONCE THE COMPLAINT WAS FILED THEY RETURNED OUR CALLS BUT STILL DRUG OUT THE PROCESS AND WOULD NOT ACCEPT OUR OFFERS SO WE LOST OUR BUYERS. SINCE THAT OFFER WE HAVE NOT HAD ANYTHING CLOSE TO THAT OFFER AND NOW AGAIN THE MORTGAGE COMPANY WILL NOT RETURN ANY CALLS ON ANY OF THE SUBSEQUENT OFFERS AND EVERYONE SUBMITTING OFFERS ARE WALKING AWAY BECAUSE THEY DO NOT WANT TO WAIT WITH NO RESPONSE FROM MY MORTGAGE COMPANY. I AM NOT IN GOOD HEALTH AND CAN NOT HANDLE THE STRESS THAT THE MORTGAGE COMPANY IS PUTTING ME THROUGH FOR THE SHORT SALE OF MY HOME. I HAVE APPLIED FOR A DEED IN LIEU INSTEAD OF A SHORT SALE AND HAVE SUBMITTED ALL OF THE PAPERWORK THAT THEY HAVE ASKED OF ME. I NEED HELP TO GET THIS PROCESS COMPLETE AND I DEFINATELY NEED THE MORTGAGE COMPANY TO CONTACT ME BACK TO EXPLAIN THE PROCESS AND MOVE QUICKLY TO GET THIS APPROVED AND COMPLETED SINCE THEY HAVE CAUSED ME SO MUCH GRIEF WITH LITTLE TO NO ASSISTANCE IN REGARD TO THE PROCESS IN MY STATE. I FEEL THAT I HAVE LOST SEVERAL RESPECTABLE OFFERS ON THE SALE OF MY HOME DUE TO THE NEGLIGENCE OF THE MORTGAGE COMPANY AND THAT IT IS THE DUTY OF THE MORTGAGE COMPANY TO FOLLOW THROUGH AND WORK DILEGENTY TO APPROVE THE DEED IN LIEU SINCE THE OFFER OF XXXX WAS LOST DUE TO THEIR LACK OF WORK ETHIC IN THIS MATTER. ALSO ON MY LAST BILL THERE WERE CHARGES FOR " REPAIRS '' TO MY HOME THAT WERE EQUAL TO ALMOST {$500.00}. WHEN I CALLED TO INQUIRE ABOUT THESE CHARGES I WAS TOLD THAT IT WAS FOR WINTERING THE HOME, MOWING THE LAWNS AND RE-KEYING THE HOME. I EXPLAINED THAT THIS WAS NOT TRUE SINCE I WAS STILL PAYING THE WATER BILL, WATER STILL RUNNING THROUGOUT HOME, NEIGHBOR WAS MOWING LAWN AND REALTORS STILL SHOWING HOME WITH SAME KEY. THE CUSTOMER SERVICE DID NOT HAVE THE ANSWER FOR ME. VERY UNETHICAL. I NEED ANSWERS. ALSO THE MORTGAGE COMPANY TOLD POWER COMPANY BACK IN XXXX THAT MY HOME WAS IN FORECLOSURE AND THEY TOOK OVER MY POWER BILL. I FOUND THIS OUT WHEN I WENT TO PAY BILL. MY HOME IS NOT IN FORECLOSURE AND NOT EVEN PRE-FORECLOSURE. AGAIN, NO ANSWERS WHEN I ASKED MORTGAGE COMPANY ABOUT THIS!.
There is an open collection account on my credit report that was discharged in a bankruptcy. Should n't that be closed?
Hello, my name is XXXX XXXX I am new to the credit world. I have always paid in cash. Though, I am newly engaged and would like to establish some credit in my name. Upon looking at my credit info on XXXXXXXX for the first time ever I came across an account in collections called XXXX XXXX XXXX in collections with a company called Allied Collection Service in the amount {$380.00}. I have never been to this school nor ever heard of it or where it may be located. It is the only mark on my credit and do not know how it got on my report. I have had it removed from XXXX XXXX but it is still on XXXX. 
This is not my dept owed. I always pay my debts, please help me to have this false information removed from my credit report. 

Thank you!!! 
Sincerely, XXXX XXXX
Upon being denied from a lender for too many inquiries from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Equifax credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2.   XXXX   XXXX   XXXX   XXXX   date   XXXX   3.   XXXX   XXXX   XXXX  date  XXXX   4.   XXXX  date  XXXX   5.   XXXX   date   XXXX  6.  XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX  8.  XXXX   XXXX   XXXX   XXXX  date  XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX  date  XXXX
Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.
My VA mortgage was recently sold to another finance company called Lakeview Loan Servicing LLC in XXXX XXXX, VA. They have added a processing fee to the loan which said if you pay between the XXXX and the XXXX there is no fee from the XXXX to the XXXX there is a {$5.00} fee and from the XXXX to the XXXX there will be a {$10.00} fee and after the XXXX there is a late fee. I have never been late on a payment but like most retired people I do not get my pension check until around the XXXX  or XXXX of the month and social security checks come on the XXXX Wednesday of the month which means every month I will have to pay at least a {$5.00} fee which will add {$1800.00} to {$3600.00} on a 30 year loan and if they are servicing say 1000 loans that is between {$5000.00} and {$10000.00} extra every month. It seems unfair to me and where is all that money going? I have also reported this to friends that I know in different mortgage companies and to the VA.
I receive multiple phone calls from Focus Receivables Management daily, but I do not owe any debts.
I 've been considering upgrading my current credit card with Chase. I decided to browse the offers available to me ( and linked to my current Chase account ), under the impression that these offers were an " upgrade '' and not in addition to my current account. I applied for an offer, and was told they " needed more time '' to evaluate my credit, and received an email immediately from Chase with the following text : " We have received your request for a Chase credit card. We 'll let you know our decision by U.S. mail. This could take up to 30 days. '' Realizing that this would be an additional card on top of the cards I already have after some quick research, I called Chase directly to ask if I could withdraw the application -- no less than 20 minutes after my initial application -- and asked to cancel the application. They told me that despite the email and the initial prompt from the website indicating, my application had already been denied. ( Though upon more careful review, the email seems to be just a note saying that they will deny my application -- not that they are reviewing it -- but that they will do so by mail. ) I know that the " hard inquiry '' will negatively impact my credit score.
This collection Agency has sent me a letter stating that I owe {$690.00} for a organization / company I have been paying, but they also claim I owe them for the same amount. XXXX XXXX XXXX XXXX claims I need to pay the full amount if not then I will sued in court, but they actually did not provide anymore verification about the amount of debt or further information about the company they were hired by to collect the debt.
Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now XXXX of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.
I originally filed a complaint asking for assistance in a modification with an interest rate of 2 % or a principal balance to be able to afford my payment. I also addressed my concerns of my escrow account account increase.     I was advised my insurance premium had gone up and that was the reason why my payment went up. I confirmed with ocwen my insurance premium is only  XXXX  a year. There is a violation of several things here since ocwen did not advise of this change within time. Also, ocwen should have given me the opportunity to pay the shortage without increasing my payment. Now i am afrain i will lose my home not being able to afford it.
XXXX XXXX XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX unknown inquiring on credit report.
Dear CFPB I received a modification, was current on the payments. the started sending payments back, then later found out they blocked my account internally. Since they made an error and wo n't remove any late fee 's or lawyer fees they added to the balance to allow me to become current would this become a breech of contract? If you are behind and they refuse It is your fault ... but I was not behind and they still rejected the agreed modification payment. keep in mind I had already made XXXX of them ... and they started sending them back to me with no explanation as to why ... ..
XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/1961 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Creditor called at XXXX from XXXX claiming to be with " National Fitness '', only revealing they were with a collection agency 5 minutes into the phone call. I explained to them I canceled the gym membership and did not owe anything. They then asked me did I get this cancellation in writing, I said no, I spoke with the gym employee at the front desk and they said they would take care of the cancellation. Apparently, the gym employee never did this. I told the agent it was therefore illegal for them to to still be charging me. The collection agent then got belligerent, so I told them not to call my phone anymore and hung up. The same agent then called again at XXXX from XXXX, again stating they were with " National Fitness '', and began reading my credit card number aloud, at which point I hung up the phone.
Bank refused to deposit my check for XXXX as I wrote XXXX XXXX and no instead of XXXX XXXX and no. This led to having them have to mail the mail the check back to me, as there is not a Bank of the West in my state. This is the account associated with my RV loan. I I meant XXXX I would have written XXXX and XXXX/XXXX. It's very petty and puts Mt account at risk of over draw on my RV payment.
I complained to Equifax that they were reporting that I closed an account with XXXX. I sent them written proof that XXXX closed the account, not me and asked them to delete the account because of the error. They responded that they had verified that the account belongs to me. This is obviously an improper response indicating that they did not really read my dispute or are just trying to skirt the real issue. Since they did not respond to my actual dispute within 30 days the account should be deleted. It 's like I disputed something about apples and they replied about bananas. Equifax does take consumer disputes seriously. They should be forced to comply with the law.