WillisBack/dataset-financial-user-claim huggingface dataset:
to whom it may concern, hello, I opened a credit card account with Wells Fargo Bank back in XXXX 2015. It was a secured one. I provided them with all necessary information ( addresses, phone numbers, immig. status etc ). There was a {$25.00} annual fee and they told me my account could be upgraded to an unsecured ( in a period from 6 to 18 months ) if I use the card responsibly and keep a good payment history, which I did. Never missed a payment, kept low balances and had had my score grow up significantly. A year passed, I heard nothing. A year and a half - nothing. They just kept charging annual fees. I decided to give them a call, they submitted a request for card upgrade and told me to wait for the response ( by mail ) which I never received. 
I did the same a month later - and still nobody got back to me with the answer. In all further telephone conversations they simply said they were not able to do anything to get the status of my request. 
Only a recent email conversation uncovered the true nature of their being reluctant to upgrade. Now ( after almost 2 years since I opened the account and paid a 2-year fee ) they claim that the upgrade is ONLY available to holders of the US passport or permanent resident card. Although I am about to get permanent resident card myself in about eight months, I do not think this discriminatory policy sounds like the one for American institutions. And of course, this is not to mention the fact that they consider it right to let people know about it after the people have been fooled with false promises for almost two years. And in the end, this is what my options are now : first is to let them sit and continue getting money from me and from thousands of other people by promising their cards would be upgraded ; the other is to close the account which is going to have a serious impact on my credit score and history.
I refinanced my used car the following month after purchasing it. I also cancelled an anti theft and GAP insurance prior to refinancing. I received a pay off amount from Ally Financial and paid it off with my new loan from XXXX XXXX XXXX specifically I worked with XXXX XXXX ( XXXX XXXX XXXX figured the daily interest, refinanced my 2013 XXXX and I waited on the title. Ally Financial sent my refund check for the Gap and Anti Theft back to XXXX XXXX saying it was a duplicate check and would not release my title. As I was paying XXXX XXXX XXXX on my car payment they were reporting me late to the credit companies when they were paid in full. It took Ally over a year to iron out their mistake but they have released my title now. I have proof from the current bank with my loan, all documentation of pay off from Ally, XXXX and XXXX XXXX and have been timely on every single payment with auto pay from my account. However, Ally Financial says they only report late payments and can not rescind those reports to the credit agencies.
I recently received a copy of my XXXX XXXX, XXXX  and Experian credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX-XXXX
I cancelled my Bank of America debit card to stop automatic debits on my account. The vendor in particular was XXXX. After a few months the debit reoccurred on my new card account without my permission. I did not authorize Bank of America to furnish this new account information to this company. I did not provide the information to the company.
New complaint needed as a Balloon Payment will be due at the maturity date of loan, but the loan servicer that set that in motion will not specify that in the most recent correspondence as requested. Being transparent as the consumer is, the non regulated loan servicer issues have made my ability to have a secure decision with changes in streamline and different tier and DTI, NVP that servicer has changed since XX/XX/XXXX drive by with their advantage with a low ball appraisal and not advising of canceled compared to declined modification which apparent allocation of previous trial modification payments went to past issues not the rear of loan as described. Chapter XXXX attorney that requested all info about loan to his office staff, reneged on helping with modification as his staff was given all information pertinent to doing just that. Attorney was censured and gave me legal right for substitute attorney which also dropped out of representing me due to his ability to easily back out. JUDGE XXXX knows him ... ... He called her from his office with me present about being substitute. XXXX XXXX is in jail as he is corrupt with real estate and XXXX XXXX FRAUD, as his office allowed XXXX XXXX, the practice manager and paralegal and an Associate Attorney XXXX XXXX take funds to represent and provided representation without TRUSTEE approval and then derogation found out with no contract provided. Questioning XXXX later, he said XXXX was let go for wrong doing. He later opened his own office. Calling his office, found XXXX employed by XXXX, a joke. Pursuing reimbursement, was told by XXXX XXXX representing XXXX XXXX to call XXXX because XXXX a Wealth management attorney went back to New York after removing himself from XXXX XXXX and XXXX firm. XXXX XXXX XXXX. Transparent issues with legal representation being a hurdle because of original chapter XXXX attorney issues, XXXX XXXX, XXXX and XXXX counties. Case was reaffirmed due to his lack luster attributes with trustee payment not reduced as mod was approved. Fault of Legal Council, ... ... complicating due process.
i went online and call all three major credit bureaus ( XXXX XXXX and Transunion ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.
In XXXX of 2016 I refinanced a XXXX XXXX XXXX and financed an XXXX XXXX XXXX with USAA Federal Savings Bank. I did both loans over the phone. Within the first few months I noticed I was falling behind in payments on the XXXX XXXX. Of course this was recorded on my credit report. I called USAA and asked what was going on. I was told the XXXX XXXX was scheduled for a monthly payment but the XXXX XXXX was scheduled for a payment of {$390.00} every 14 days. I explained to USAA at the time I didn't set the loan up that way. I was XXXX XXXX military and my pay was distributed on the XXXX and XXXX of every month. It didn't make any sense to set up a loan payment every 14 days. USAA is well aware of the military pay schedule the bank was founded by military Officers. I was told by USAA because of a contract between them and I agrees to a payment of every 14 days, they were expecting the payment. The only thing they I could do is refinance the loan. That was ridiculous. Why would I have my credit dinged because your representative made an honest mistake. I believe the representative who made check mark on my application agreeing to every 14 days for a payment made an honest mistake. Of course this can't be checked because the loan was processed over the phone. Anytime you mention biweekly and every other week to someone you risk the person has the frequency confused. Knowing my pay schedule I wouldn't have knowingly agreed to an every 14 days payment because I didn't get paid that way. In XXXX of 2016 I was XXXX  retired from the XXXX after 17 and 1/2 years. I called USAA in XXXX of 2016 and asked if they could help me by adjusting my XXXX contract because my pay would change from twice a month to once a month. They told me to refinance the car to change the frequency. Again I opted not to because I didn't want my credit dinged. At least twice a month USAA charge me late fees on the XXXX. At this point I have totally lost track how much money extra i'm paying in late fees. Also USAA applies how much money they want to my principle and interest rate. The online database which shows how much money is going to the principle and interest is inaccurate compared to what USAA representatives can see on their screen. I can make a payment of XXXX dollars. One month they will put XXXX toward interest and XXXX toward the principle. The following month I can make a payment of XXXX dollars. USAA will put XXXX dollars toward the principle, XXXX dollars toward interest and XXXX dollars toward late fees. Another example ; USAA online database will say I owe XXXX dollars on the XXXX and when I call the representative will say I owe XXXX dollars.
On XX/XX/18 I received an alert on my credit report stating that Home Depot has inquired a hard hit on my credit report. I am very confused because I did not ask for a credit card or gave Home Depot permission to run a hard inquiry on my report. I did go to the store to purchase a car battery and the clerk XXXX stated that she tried to give me a 25 percent  discount off of the battery but she was unable to do so. I asked does she have a promo code and she said it wasn't working but she can give me a military discount of 10 percent but in order to do so she needed my id to verify it was me. When I got home a received an alert, so I believe the clerk XXXX at store number XXXX at XXXX XXXX XXXX, in XXXX, NY ran my credit without my permission and lied about that she needed my information to verify it was me receiving the discount. I am astonished that this has occurred so I wrote an email to the CEO expressing my complaint. I did not receive a response back from the CEO, but I did get an email from the credit company ( Citi Bank ) explained that my concerns were forward to them from CEO of Home Depot and they would look into my concerns, but phrased the email as I had gave permission to run my credit. I reiterated that I did not give permission and this is considered fraud. They again stated they would look into this matter and get back to me. As of now I have not heard anything and the hard inquiring is still reflected on my credit report. I would appreciate it if you can assist me in removing this hard inquiry of my credit report as I did not give permission to Home Depot to run my credit and this is unlawful. Thank You XXXX XXXX
Wrong information reported on Experian credit report. I do not have a collection with XXXX in XXXX. I opened the account in XXXX with XXXX not a collection issue. Experian fails to report accurate information and cares nothing about individuals financial social status. Once again, the reporting of a XXXX collection in XXXX is inaccurate and they are only reporting eight years of credit history when my first student loan was in XXXX of XXXX. I have over twenty-three years of established credit. Your credit bureaus are ineffective at reporting accurate credit.
Columbia recovery group have repeatedly reported for over 2yrs a fraudulent account on my and my son 's credit reports. It has been in disput and in some places they did n't report it as disputed and they refuse to seek judgement in this matter or to address a proper investigation to this alleged debt as there is video they refuse to acknowledge and view. They used deceptive tactics to ligitimze the claim. It 's fraudulent and extortion they are practicing.
I am a resident of Texas traveling abroad. In XX/XX/XXXX, before I left town with my wife for a 6-month stay in XXXX, I filled out a form to add her to my Charles Schwab account so that she could have a debit card in her name. A few weeks later, Schwab froze the account because they said they could not verify that my wife was a US resident. My wife has a US passport and has resided in the United States continuously since she was XXXX years old. Over the phone, they asked my wife if she was living in XXXX and when she told them yes, meaning that XXXX is currently where she is staying. When she later attempted to clarify that she is not a resident of XXXX and is only in XXXX temporarily, they claimed that was not what she said over the phone and refused to unfreeze the account. They have also frozen an attached brokerage account. The total value of the two accounts is more than {$80000.00}. I offered to furnish Schwab with numerous pieces of proof that my wife is a US resident, including utility bills with her name on them, but they refused to accept any form of proof, claiming that her statement to them was evidence that she is not a US resident. They also will not remove her name from the account and will not transfer the account funds to any other account unless it has both of our names on it. I now face the task of having to open a new account with a different brokerage company while I am overseas if I want access to my equities. That has caused me considerable hardship.
Equifax continues to report information on my credit file that is not mine. I have filed numerous disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX XXXX ) US BK Court-XXXX # XXXX XXXX ) US BK Court-XXXX # XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have verified the inaccurate accounts when in fact the Court has not verified or provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.
In XXXX 2013 I received notice of a default judgement against me in court for a credit card debt ( I was never served ). In XXXX 2013 I paid a reduced amount and this was reported paid. A few months ago I began receiving calls and letters on this same account from Midland and requested verification of the debt. The only thing I got back was a letter telling me I had to provide proof it was paid. Since I paid by prepaid card over the phone the only proof I have is the settlement reported paid on my credit report. Four days ago I received a paper from a law office for Midland with a judgement from the court ( also never served ) to garnish my wages for this paid account. Midland is making my life XXXX and I do n't understand how they can resurrect accounts paid years ago and harass and threaten people.
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
XXXX XXXX XXXX filed a lawsuit against me in XXXX, 2015 even though the Statute of Limitations had expired. XXXX See attached copy of my letter to the arbitrator. ) It cost me {$240.00} to file an Answer in which I pointed out the fact that the SOL has expired, but a Judge in the XXXX Court of XXXX XXXX, AZ sent the case to an arbitrator anyway. The case is still pending and an arbitration hearing was scheduled for today, but PRS 's attorney decided to play by the rules and demanded 30-days notice, so the hearing has been continued but not yet rescheduled. 

I saw your lawsuit against PRS and the order that they dismiss all lawsuits filed after the expiration of the SOL, but these people are completely ignoring that Order and proceeding with this case against me anyway. What can I do to end this lawsuit AND get my {$240.00} back? Thanks.
I had opened Spark Business Credit Card by Capital One Bank on XXXX/XXXX/16 and had limit of $ XXXX due to excellent credit and done transactions total of {$120000.00} on this credit card. The problem was that our business checking a/c at XXXX XXXX XXXX had ACH Filter to stop ACH transactions which are not part of " allow '' list to stop fraudulent transactions. 

Hence, the payments we initiated through web portal of Capital One got denied to our checking a/c due to ACH Filter. In order for XXXX XXXX XXXX Bank to add ACH Originators to " allow list '', they needed originator 's ACH Company ID number. I contacted the customer service of Capital One to get their ACH Company ID number but they were not aware of what this was and why it was required. Due to difficulty we encountered with Capital One, we decide to initiated the payment to our checking a/c held at XXXX XXXX and hopefully we shall finally get that ID from XXXX XXXX when XXXX XXXX rejects that ACH. The payments we initiated through web portal of Capital One got denied to the business checking a/c due to ACH Filter that account. 

Few days later due to unsuccessful attempts to get Capital One 's ACH Company ID, we decided to use our money market a/c with XXXX XXXX that had no ACH Filter and all payments were cleared successfully at every attempt to this money market a/c with XXXX XXXX. 

Also customer service of Capital One did conference call with XXXX XXXX XXXX three times to verify the funds and validity of account. 

Last week on XXXX/XXXX/16, Capital One bank decided to close the account stating fraud fraud suspension and saying the accumulated cash rewards {$2300.00} automatically get forfeited. 100 % of the outstanding amounts was paid in full before due date. 

Capital One bank is not fair by denying to pay us the accumulated cash rewards of {$2300.00} despite they charged merchant fees to vendor whom i purchased the goods from. 

If Capital bank is not willing to reinstall/active my credit card, then in all fairness they should : a. Mail me check of {$2300.00} cash rewards as they earned full fees from the merchants that i purchased goods/services and they got paid by me in full before all the due dates.. b. Ensure that my credit rating is not affected in any manner I must have talked to Capital for 4-5 hours on 7-9 calls ( including XXXX supervisors ) since we encounterd the 1st problem. Also was surprised to come to know during one of the conversation with their supervisor that the XXXX conference calls which we did with XXXX XXXX to verify funds were not on record with Capital One despite they ( Capital One ) made immediate credit available!!
The Company filed suit in magistrates court, they never showed up for court on XXXX different times and i won a summary judgement in my favor, however this lender still reports to at least XXXX and XXXX. The judgement was entered XXXX XXXX, yet this company has reported to the credit agency as recent as XXXX XXXX. of this year XXXX!!! And they have notice from the court that they lost the case, i know this because the court clerk put a post note along with my notice that she sent them one.. They are willfully thumbing thier nose at me and the law!!!! In this case the Court.. They are slandering me and i have already been denied credit thanks to thier reports to XXXX and XXXX, ,Can you help me please???? Can you help in recoving damages from them??? Thank You!!!!! I never app ; ied for a loan with them!!!!!!!!!!!!
By letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX ; LVNV Funding ( letter attached ) notified me in writing " ... if you notify us in writing within 30 days of receipt of this letter ... we will obtain verification ... provide it to you. WE WILL CEASE COLLECTION ACTION UNTIL WE SEND YOU VERIFICATION. Letter dated XXXX XXXX, XXXX ( copy attached ) and Signed Receipt by LVNV Funding dated XXXX is attached. I notified LVNV Funding in writing effective XXXX XXXX, XXXX that i disputed the Debt and they were to provide me validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA bars any further collection activity until the validation has been sent. A letter dated XXXX XXXX, XXXX ( letter attached ) from XXXX XXXX XXXX XXXX XXXX XXXX is attached stating the LVNV Funding had assigned the delinquent account to them for collection. Further, LVNV Funding has continued since the XXXX XXXX, XXXX receipt of Dispute and Request for providing validation IAW FDCPA to report the Debt as a collection action to all XXXX Credit Reporting Agencies. LVNV 's assigning of Debt XXXX XXXX XXXX XXXX XXXX XXXX and their subsequent action without first validating the debt since requested in XXXX are express violation of the FDCPA. Also this is a TIME BARRED DEBT!