WillisBack/dataset-financial-user-claim huggingface dataset:
There a company name XXXX  XXXX they gives someone a credit card under my name and after a long time they send me a letter said im going to collection agency after i called them many times to let them know i didnt apply for any credit card on their company they put the account under investigation and they find out its a fraud so i dont have to pay anything. 
After all this i get my credit report and i see a hard inquires from the same company thats i didnt apply for anything with them or give them the authorization to do. Everytime i called them i didnt get a resolve to my problem They effecting my credit score for something i didnt do! 
The hard inquires was on XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

And theres another company XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 
I dont know what is this company are i try to call the number above and they want a account number or social security number and since i dont have a account with them i enter the social security number and it said not in file or something like thats they also do a hard inquires thats effect my credit score! 

And there is another one XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

i dont have any account with them And also this company XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 
I dont know what is this company for or what is it but i didnt apply for any credit card i only have two cards one with XXXX XXXX and one with XXXX thats it i dont have any other credit cards with any other companys They also do a hard inquires effecting my report I have a hard time working on my credit to build and im working so hard to make it perfect i dont know from where this companies came to my report And theres a address on my report i never live in or be there in my life i dont know from they got this address from. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX I never live there or been there all my life! I dont know from where they got this address And theres another compay do two hard inquires in the same month XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 

I dont know why this two hard inquires in my report and from where they came! 

Please i need your help with my complicated situation!
I recently ordered my credit report form Transunion and i noticed some inquiries that i did not authorize. Such as XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX,, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX  XXXX XXXX,, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX ; XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Transunion multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.
I made a complaint already to the financial consumer complaint in Michigan and in the state of New York where my mortgage account is at. They refuse to take a single payment.. Im stuck paying every 2 months making a double payment because the bank will not work with me or allow a payment to go into my account. I paid a double payment in XX/XX/XXXX and in XX/XX/XXXX I called to schedule a payment on the XX/XX/XXXX. They said I wasnt in default yet and it allowed a single payment. Now XX/XX/XXXX came along and my payment was mark insufficient WHEN THE FUNDS WERE THERE! Come to find out they again blocked my account to accept the one payment. So since then I made a double payment at the end of XX/XX/XXXX since they would reprocess the single payment in XX/XX/XXXX.. XX/XX/XXXX my account was blocked to put a single payment and XX/XX/XXXX I mailed out 2 payments.. well they said I needed to all of a sudden pay all 3 out of 3 in XX/XX/XXXX after just making the double payment in XX/XX/XXXX! This mortgage company has not helped me or even given me proper information to get my account out of default! I dont have any demand letter saying I have to pay 3 out of 3 payments in XXXX! There policy never generated that when they clearly see I have the money to pay them they are trying to take my house from me! Since the state of New York contacted them nothing got resolved! They instead claimed they mailed a letter in XX/XX/XXXX I have to pay all 3 after I was only behind 2 months not even to being with! They started counting the month that Im in even with a schedule payment as a month behind! Mortage company can not charge u the month ur in and currently making a payment for .. if a payment not in by the XX/XX/XXXX the charge u and consider that a month behind! U have up until the XX/XX/XXXX to avoid late fees and technically till the end of the month to pay .. if u dont then its consider a month behind! No one has even attempted to help me! The moment they got the complaint they went against normal procedures ( forced to pay 2 of 3 payment and next month 2 out of 4 payments! ) they clearly know that they are not follow Michigan laws on mortgage companys completely blocking accounts! I cant wire mail or schedule a single payment anymore! They kno I pay bi monthly cause of this issue. They went against normal policy and charged me all 3 in  XX/XX/XXXX ( XX/XX/XXXX they claimed the letter went out! ) XX/XX/XXXX a 2 payments processed into the account! 
This is my second complaint they now refused to take my 2 month payments for XX/XX/XXXX and XX/XX/XXXX .. and said my hosue Is in foreclosure. Im now taking this matter public because no one has helped me resolve this matter! And this provider shoudk be able to stop them from doing this to home owners
XXXX is blantantly lying that they did not receive appeal letter. I am enclosing copies of email I sent to SPOC on XXXX/XXXX/16 regarding I am appealing this and to send me any forms needed. Since he never responded I sent my letter which was not expressing I want to appeal. IT STATED I WAS APPEALING and the reasons why. BSI is trying to play a game and this is infuriating with their lies. XXXX XXXX XXXX XXXX received a Cashiers Check for XXXX so their telling me I owe XXXX from them is a lie as well. They released lien when paid in full!! I will send copy of cashiers check as well
XXXX  from  REVCREST Inc e xplained to me that i could not lower my payments as the young lady before told me that after  XXXX  garnishments  ( whic h are creating a big hardship as it is  XXXX  put of my check a month and my bills are behind due to this ) I could lower my payment, she then asked for a financial statement over the phone,. I gave her the information and now i am being told different, that i would have to continue the garnishment and i would have to make payments as well.       is this legal? if so I will be homeless soon!     every time i ask for a hearing which is my RIGHT, I have been denied ... IT IS MY RIGHT!
Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX XXXX
XXXXXXXX XXXX ; ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX CONTRACTED COLLECTION OF DEBTS NOT OWED TO RS CLARK & ASSOC. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX DATE : XX/XX/2017 AMOUNT : XXXX ISSUES ; I WAS WRONGFULLY EVICTED AFTER I COMPLAINED TO THE APARTMENT MANAGER TO FIX BED BUG INFESTATION IN MY APARTMENT. I KEPT COMPLAINING BUT, IT WAS NOT TREATED AFTER MUCH PRESSURE I WAS FORCEFULLY ASKED TO VACATE THE APARTMENT. I HAD A 7-MONTH LEASE BETWEEN XX/XX/XXXX-XX/XX/XXXX BUT, FORCEFULLY EVICTED XX/XX/XXXX. I WAS THEN CHARGED FOR BROKEN LEASE. I PAID RENT FOR THE MONTH OF XXXX AND WAS NEVER LATE. ( XX/XX/XXXX-XX/XX/XXXX ) RENT SHOULD BE ( {$690.00} X 3 ) IF I WAS ALLOWED TO COMPLETE MY LEASE. EVERY ATTEMPT TO RESOLVE THE MATTER WITH THE MANAGER OF THE APARTMENT AND THE HEADQUARTER -XXXX XXXX FAILED. {$5900.00} WAS REPORTED AS COLLECTION CHARGE OFF ON MY CREDIT AND THIS HAS MADE LIFE WORSE.I NEED HELP. SUPPORTING DOCUMENTS ATTACHED.
This is the 2nd time in the past 3 weeks that Chase Bank has improperly made a payment to itself from my checking account and overdrawn my checking account. Despite the fact I was no where near a computer or phone at the time they're saying, they say that someone must have logged into my account and paid off my balance. I've never had autopay. The previous incident I had to have my bank put a stop payment on the payment because they erroneously tried to charge my for something I didn't authorize. Later, I had to remove a stop payment so I could make a normal payment. Chase reversed the actual payment I scheduled and instead put it upon themselves to take everything out of my checking account without my authorization. I looked into my account where it shows logins and IP addresses associated with such and there's nothing for the time and date in which they're claiming that someone logged in and made this random payment. How can that be so? Chase is failing to address this issue in a timely manner and they are also failing to admit fault when this is clearly an issue that they have caused twice. Now, going into the weekend I was told that I won't be called today but probably Monday or Tuesday. This is unacceptable and unprofessional. Their error should take top priority in fixing and remedying the situation, instead they have me on the phone for 2 hours, say sorry, and then hang up
Ally finances states that on XX/XX/2017 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX   and XXXX. I called ally finances and they stated there were no accounts under my name on file, and they wouldn't take this fraudulent information off my credit reports with XXXX XXXX, XXXX and XXXX.
my account went into the negative because of an overdraft, however i was never notified of the issue. i went to use the card around XXXX time and realized there was a issue at that time upon looking into it i realized there was a overdraft charge and it was in negative. 
on XX/XX/XXXX i revived a overdraft fee of XXXX however i was never told there a issue prior to this event happing or charge being placed. i contacted branch in mcadoo, pa and spoke to a XXXX who said he would look into it. upon me calling back he told me to contact costumer service who i called and they told me the prob. that i was never notified was because alerts were not working and that " IT '' was working on it but it was a known problem ( i have call recorded ) and that also dueing holidays and anytime the bank is closed for holidays no alerts or account notifications are sent out so if i have alerts setup on my account i will not receive any alerts dueing that time if everything was working, but again the alerts we not working. i contacted XXXX back and told him i should not be charged because i was never notified in attempt to fix the issue before charge and that i was told the alert were not working, customer service also said they would call and tell him as well. However the bank decided to keep the charges there and additional charge me XXXX as follows. ( XXXX on XX/XX/XXXX. then XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) thats a total of XXXX on XX/XX/XXXX alone. XXXX as overdraft fee and then the XXXX as auto overdraft fee. 
I SHOULD NOT HAVE TO PAY ANY OF THIS AND SHOULD BE DUE A REFUND OF THE ENTIRE AMOUNT OF XXXX IN FEE 'S BECAUSE I WAS NEVER NOTIFIED, I TOLD BANK IT WOULD BE HANDLED BY DIRECT DEPOSIT, AND CUSTOMER SERVICE SAID ALERTS NOT WORKING AND I WAS NEVER NOTIFIED BEFORE THE ORG. XXXX CHARGE THAT A PROB. WAS EVEN ON MY ACCOUNT. 
THE BANK FIELD IN DUE PROCESS OF NOTIFYING ME AND I HAVE FULL ALERTS SETUP ON BOTH CELL PHONE, AND EMAIL AS WELL AS ON THE BANKS MOBILE APP. AND I NEVER GOT ALERT OR NOTICE. IF I GOT AN ALERT OR CALL I WOULD HAVE CORRECT IT IMMEDIATELY AND NO OVERDRAFT CHARGES WOULD HAVE HAPPENED i have 100 % all calls recorded and documented..
In XX/XX/2018, I contacted XXXX to make automatic payments- I gave them the correct bank account number but the customer rep did not repeat it back to me. Apparently they got the wrong account number and didnt get to process the payment. In XXXX they reported my account as delinquent to the credit bureau which affected my credit score. They said they would look into the previous phone call but have not contacted me and its been almost a month. They offered no other solutions to help fix the wrong credit reporting they did. Please help.
To Whom it may concern, On XXXX XXXX 2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XXXX of XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XXXX XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name go9ing into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday the XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.
Two years ago I was not informed of my renewal date for my income based repayment plan, and I was hit with a charge of over {$1000.00} when my regular payment was nearer to {$400.00}. This caused me to overdraft my checking account and caused a number of other financial hardships as I was unable to pay other bills and had to adjusted payment schedules. They would not refund this money though I asked a couple of times. Last year, I received an email stating that my income based repayment was expiring, and that my new payment would be approx. {$500.00} so I decided not to renew my income based repayment. When my income base plan expired, again is shot up to over {$1000.00} because the email I received was only in regard to a collection of my loans, not all of my loans. In this case they refunded me the {$1000.00} and I was able to reapply for income based repayment. This year, I submitted my renewal for the program and it has been over two weeks and I have yet to hear from them when the deadline XX/XX/XXXX. I withdrew from the autodraft system last year because of this, which increases the headache of making sure they get paid.
I got a check in the mail so I cashed it now I 'm being harassed by credit Central saying I owe them I did n't apply for a loan with them
XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
Hi, This company Pentagon Federal credit union is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.
File chapter XXXX 0n XX/XX/2016. At the time this debt was created my dental insurance paid more than absolute dental claimed I owe. 
I claimed this debt on my chapter XXXX bankruptcy.
I was a victim of identity theft, and I reached out to the company nelnet to let them know my situation, I mailed in my police report, affidavit, and every document that was requested. After following up on things, nelnet informed me the information that I sent in was not good enough, they said they have documents that I signed where I agreed to pay this loan, I stated it was impossible because my identity was stolen so it wasn't me, I asked them to mail or email me the documents so I can see them, they refused. So I have reason to believe that they are forging signatures to make consumers responsible for loans. Please have them provide the original contract that originated this so called loan and any other documents with signatures on it. I have reason to believe that this company is violating the fair credit reporting act and committing fraud.
I dont know who Midwest Recovery Systems is or who they represent, all I know is these people have never notified me that I apparently owe a debt instead the decide to attack my credit report. 

Why attack my credit report when you could have called or sent me a bill in the mail letting me know more about this debt. 

I feel Midwest Recovery Systems has violated my rights by attacking my credit report and not giving me even a chance to address this issue.
On XX/XX/2017 received XXXX {$2500.00} checks from adp payroll processing. I deposited checks and told by XXXX that checks fraudulent. I have not been able to receive my payroll deposits from adp payroll. My account with XXXX has been closed due to this incident.
OK ... .SOMEBODY USED MY MIDDLE NAME AND FORMER MARRIED NAME TO OPEN A XXXX ACCOUNT AT AN ADDRESS I NEVER RESIDED AT. I DO NOT KNOW WHO DID THIS ... HOWEVER, THIS NEEDS TO BE REMOVED FROM ALL OF MY CREDIT BUREAUS ... .I SPOKE WITH THE DEBT COLLECTORS YESTERDAY AND THEY CLAIMED THAT THE DEBT WAS CLOSED AS OF XXXX XXXX, 2016 ... ..HOWEVER, IT IS SHOWING UP ON MY XXXX REPORT! XXXX!!! I DO NOT BELIEVE THEM, EVEN THOUGH THEY DOUBLE CHECKED!