WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, XXXX and Trans Union credit report.
I was attending XXXX XXXX, XXXX ( formerly owned by XXXX ) from XXXX XXXX until they unexpectedly shut down in XXXX XXXX. I was 3 months away from graduation when XXXX shut down and I was not allowed to finish my program but was left with HUGE debt and a damaged credit score. I got NOTHING in return and I am now bombarded with phone calls regarding my debt EVERY SINGLE DAY! Referring to an article posted on Consumer Finance 's website on XXXX XXXX, XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points.These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I worked hard to get my credit score to where it was, I had XXXX late payments and now I have a credit score below XXXX and XXXX late payments thanks to XXXX. I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX.
On XXXX XXXX, 2016 we went to XXXX XXXX XXXX of XXXX, located at XXXX XXXX XXXX. in XXXX VA XXXX to shop for mattresses. While discussing the pending sale, the owners/managers of the store offered that they had a financing option that would allow us to purchase the mattress set with 90 days same as cash. When asked about what would happen after the 90 days we were told that the bi-monthly payments of {$58.00} would continue until the bed was paid off. What they did not disclose is the fact that after that 90 days, financing the purchase with ACIMA/XXXX XXXX would double the price of the bed from {$730.00} to a total financed amount of {$1500.00} as the financing agreement called for the {$58.00} per month to be paid for 27 months. More calculating is the way this whole process worked. The " manager '' of the store had me provide the information necessary to determine if we would be " approved '' for the financing. Once they got the approval, a code was sent to my cell number to verify that I was who I said I was and it would be my way of electronically signing the finance documents. We were told that copies of the contract would be sent by mail and we were not given any documents to review that night. At no time was it disclosed prior to this electronic " signature '' that there would be a 100 % finance charge for not paying before the 90 day period was up. I am attaching a copy of the Financing Agreement that was provided to me by the company by request today, however, I again need to stress that we received NO copy of these documents at the time the sale was done, only later by mail. Today I called to get the balance owed on the account and was told that after making {$870.00} in payments, that I still owed almost as much as I had already paid. A quick search of the BBB complaints showed that ACIMA credit uses this blind method to take advantage of customers every day. Their methods are clearly deceptive and being in banking, I ca n't imagine that their practices are not in violation of UDAP or some other provision.
SirThis is my XXXX complaint. 
XXXX is for my Lost Cashiers check, that Wells fargo refuses to provide documentation on, put the monies XXXX in a interest bearing Escrow account. 
[ Case number : XXXX ] This complaint is to inform you that since the XXXX problem, Wells fargo has bullied me and enguaged in Illegal activities related to my Business and Personal debit cards. 
Just about every day for the last 30 days, they have used there Fraud dept to shut off my personal debit card, and force me to use my Business debt card. 
I keep min funds in the Business account, so each and every time I use it I get chargeda over draft fee. 
Wells Fargo refuses to remove these fees, as I have informed them of the Federal complaint to the FDC, and pending legal actions. 
I have spent over 20 hours on the Phone with the Fraud Dept. updating my info, my location, my travel routes, etc. and been insured this nonsense will cease, only to have it happen again, again, and again. 
The XXXX LAW prohibits Corupt Organizations from Extortion and ilegal means of making money. 
This is clearly a ilegal activity, in regards to XXXX Complaints. 
XXXX Complaint - Wells Fargo is profiting from the interest on my XXXX they are holdingXXXX complaint - Wells Fargo is profiting from the over draft fees they get by continually shutting down my access to my own monies. 
I also believe as a Consumer, I am protected by law from harrasement, bullying, and unfairbank pratices. 
Please give these complaints your greatest attention. 
Americans are tired of Crooked bankers. 
kind regards, XXXX XXXXXXXXXXXX
I have been paying off my loan for over 4 years. The initial disbersement was at {$20000.00} with 10.64 interest rate in XXXX of XXXX, I occurred {$4000.00} of interest from the before making my first payment in XXXX, Ive been paying $ 325+ a  month which works out to more than {$15000.00}. The total amount I still owe on the loan is over {$17000.00}. I just spoke with a rep who said he would escalate the issue since the math doesnt work out. I have also been denied a co-signer release due to my credit score, but most of the money spent on my credit cards in collections was to pay off this exorbitant, overcharged loan.
We have a contract with XXXX XXXX XXXX out of XXXX XXXX Nevada for 10 years. All of our payments had been made on time. After attending a meeting in XXXX XXXX in XXXX of this year, we were notified of info that we did not agree was a part of the contract we originally signed.. We have made numerous attempts to get in touch with their legal dept to no avail. In XX/XX/XXXX, we stopped making our payments to try and get a response from their legal department. We were contacted by someone from their legal department ( we later found out that it was a paralegal and not an attorney ) and were told at that time that our credit would not be affected as there were questions concerning our contract, and that an attorney would be contacting us to answer our questions. Again, we were not contacted by anyone. We made numerous attempts without any resolution. In the meantime, we saw that our missed payments were referred to Experion. This greatly affected both of our credit scores. We filed a complaint with Experion and we were told that XXXX would not tell them that any such agreement had been made. They said that XXXX 's report was in compliance with the fair credit reporting act and that nothing could be done to change it. We still haven't been able to correct our problem with XXXX.
My name is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX *Refinanced my adjustable XXXX XXXX to a 20yr FNMA fixed through a mortgage broker around XX/XX/XXXX. *PennyMac bought the loan # XXXX. *XX/XX/XXXX PennyMac performs an automatic withdrawal from my account in the amount of {$1300.00} for Home Owners Insurance Premium which they claim they did not receive from my XXXX XXXX agent 7 months earlier. They never tried to contact me to warn me, they just made the withdrawal. I called to reconcile, XXXX XXXX showed proof they had included the paperwork back during the refinance. PennyMac credited my account back the {$1300.00}. *XX/XX/XXXX PennyMac performs automatic withdrawal of monthly mortgage payment with an increase of {$300.00}. I called to inquire, the Escrow / Insurance department claims they were not aware of my {$170.00} per month HOA payments and requested a copy of the Master HOA Condo Policy and said they had created an " Extra Miscellaneous '' account to pay for this. They asked that I upload the policy to XXXX which I did that day. That was back on theXX/XX/XXXX. They said they would credit the {$300.00} back. *I have since twice filled out their " contact us '' section in my online account and heard nothing back. *Today, I call again and customer service tries to tell me that my escrow has a cushion of roughly {$1000.00} dollars and they do see the extra miscellaneous account that was set up, then proceed to try and negotiate a payment with me!? This made me very nervous, hence my submitting a complaint to your department. *I was a long time XXXX for XXXX XXXX XXXX in the XXXX department under XXXX XXXX and understand the relationship between CFPB and the banks. *I am speaking with XXXX XXXX in the PennyMac Escrow / Insurance department now and she is assuring me it was an error and is requesting an  escrow audit on my account. She is not sure how much the credit will be as of yet and tells me I will receive a letter within the next week. *My concern is that this is the second time in 6 months that PennyMac has randomly charged me vast amounts to the account and then I have to initiate reconciliation. <P/>Let me know if you need any further details and thank you for the help! XXXX XXXX XXXX
on  XXXX  Chase Bank reversed a temp credit to my acct processed on  XXXX  due to a dispute with  XXXX .  Chase sent  a letter dated  XXXX  advising of reversal but gave no explanation as to why nor did they allow me to provide to them any documentation prior to reversal taking place - to prove I have tried numerous times via email and telephone to resolve issue. Seller promised twice to have a local gene ral manager c ontact me to resolve issues however no contact as of today since  XXXX   XXXX   Seller stop ped responding to email contacts on  XXXX    XXXX  .  Chase m akes it very difficult to speak to a supervisor, and equally to spe ak to a manager. Manager refu sed to escalate this matter as he stated firmly that anyone above him would only repeat to me the same. Chase bank states they do not resolve or get involved with disputes regarding " wear and tear '' although I explained repeatedly problems are due to defective parts. Which is an entirely different situation. Bu t Chase reps ref use to get past the term " wear and tear :  XXXX  dictionary states " Wear and tear is the damage or change that is caused to something when it is being used '' however, I state the part is defective as I only was able to use a couple of weeks when it built up a very unusual rust buildup . Defective | Definition by      XXXX  is " imperfect in form or function '' I assume mnft did not apply a protective overcoat to the part - which has now caused damage to a underlying part due to the rust. After I rec.t he Chase r eversal letter I faxed to them on  XXXX   XXXX  all of my email communications with  XXXX .  Chase n ever responded. I refaxed again on  XXXX   XXXX    XXXX   - still no responce. After calling & much arguing to escalate my call I spoke with a  XXXX  based in Ohio and later with a supposed manager named  XXXX  approx on  XXXX  Neither would accept my refaxing my documentation nor would they provide to me a hard copy reflecting Chase policy in regards to their so called " wear and tear '' policy. Whe n Chase manager   XXXX  was finally worn down he was attempting to imply my complaints to them were not received in time however I reminded him I had fax transmit reports proving dates and times my emails were sent to  XXXX .
I have filed many disputes with both XXXX and Transunion and they both have said they have verified my dispute with my bankruptcy. They have not sent any proof to me bearing my signature and stating they have verified it. By law they have to remove it from my credit report if they ca n't provide proof with my signature on it
I received a potential fraud activity from accounts being opened in my name through XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain XXXX and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/XXXX received a fraud activity alert from XXXX for 4 accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from Transunion on 1 Account XXXX
Multiple tradeline-credit reports of the same student loan disbursement by two or more loan servicers [ =tradeline reporters ] are unlawful being duplicate reports of one loan by one-and-the-same lender ( here, XXXX XXXX XXXX ). That is, it is unlawful for one lender,  XXXX XXXX XXXX, to duplicate credit report the same loan simultaneously through more than one of XXXX XXXX XXXX subordinate/agent loan servicers, here, coincidental credit reports of one loan by both NELNET and XXXX XXXX. The lender for my federal student loans, legally distinct from mere loan servicer, is identified for each of my federal student loans in the National Student Loan Data System ( hereinafter, NSLDS, respective loan photocopy record pdf attached ). Duplicate loan reports by a single lender, Department of Education, are unlawful because duplicate loan reports double/more-than-double borrowers credit-reported-debt for each loan duplicated in the borrowers credit report. The borrower is not liable to pay unlawful duplicate-credit-reported debt, but said illegal duplicate report materially adversely impacts said borrowers credit worthiness ( higher interest rates, less favorable loan terms, etc. ), and lowers credit score. In my case, duplicate/triplicate-loan-servicers ( s ) -reported student loan debts make it impossible for me to obtain even minimal new credit from any bank/lender, i.e. despite no adverse credit act in my life, and middle class US-government-paid income, I am denied any new credit. Reproduced below are the duplicate reports by NELNET ( prepayment loan servicer, i.e. no payment was owed to NELNET/no payment was made to NELNET ) and XXXX XXXX ( hereinafter, XXXX, current loan servicer, to which repayment installments are made monthly ) of same disbursement/student loan reported in my most recent, XX/XX/XXXX,  XXXX, XXXX and XXXX ( hereinafter, Credit Reporting Agencies or CRAs ) Credit Reports : ( See two tradeline pdfs attached from NELNET and XXXX. ) It is evident from these two tradeline-reports within one CRA credit report for the same {$20000.00} student loan disbursement, that my actual legal liability ( now after 76 monthly payments to FEDLOAN ) on said loan is less than {$11000.00} ( 3 payments through XX/XX/XXXX, not shown ). Nonetheless, NELNET, a former servicer/never lender not owed any payment, illegally duplicate reports this oneXX/XX/XXXX student loan, so my credit report currently reflects more than {$31000.00} debt for said one loan, more than {$20000.00} of which is NELNETs fictitious unlawful duplicate reported debt I do not now/never owed. 
I have repeatedly disputed said unlawful duplicate reporting of my student debt to CRAs and NELNET, to no avail. To date, CRAs temporarily delete NELNETs disputed tradeline then illegally reinsert it at NELNETs unlawful oft repeated request. As legal lender and principal of both its agents, NELNET and XXXX, XXXX XXXX XXXX obviously bears ultimate legal responsibility for the actions of loan servicers acting in clear violation of federal law for benefit of XXXX XXXX XXXX.
redit disputes were submitted by mail certified on XXXX XXXX 2015 and were received by XXXX XXXX 2015. I was emailed the results of my credit report on XXXX XXXX, 2015. However, when I pulled the credit report it had XXXX XXXX 2015 on it but this is not when I received it. It shows yet another date on the dispute resolution with a start date of XXXX XXXX. Since it was pretty quick to send this by email. I should have received this on the XXXX of XXXX 2015. It is much quicker than mailing it out so it should not have been a problem. Why date the credit report for XXXX days earlier and it was not sent? I am attaching the email showing that I received this on XXXX XXXX 2015 at XXXX. I am requesting to have all negative credit information I submitted to you to be permanently deleted from my file per the Fair Credit Act or the credit bureau can be charged {$1000.00} for each item I am attaching a copy of the email I received on XXXX XXXX, which was dated 2015 dated for XXXX XXXX. Also, I would like both XXXX and XXXX notified as well. This is false information. Email takes seconds to send and not days. I am also attaching the letter that I originally sent and I am scanning the certified mail information and attaching that as well.
I bought a XXXX Honda Accord on Sunday, XXXX XXXX, 2015 from Honda XXXX in XXXX, Georgia. I signed a contract stating that I was financing {$12000.00} at 0.9 % APR. I logged into my account at hondafinancialservices.com on XXXX XXXX, 2015 to make a my first payment ( they were delayed in sending my statement for an undisclosed reason ), and noticed that I was being charged a higher amount. My payoff amount was noted at {$12000.00}. I worked through the amortization, and calculated that if they the contract were funded at time of purchase, and Honda was charging me continuously compounded interest for 31 days, the maximum payoff amount can be is {$12000.00} ( rounded up ). 

They are therefore either charging me an undisclosed fee, or an interest rate higher than what I signed at. I specifically and verbally negotiated with the salesman ( XXXX XXXX ; this is the name on my documentation. I believe this is wrong ) and business manager ( XXXX XXXX XXXX that I will not be charged any kind of fee ( except interest ) for financing the vehicle through Honda Financial Services ( I have this conversation recorded on my mobile phone ). 

I will be happy to provide all documentation, spreadsheets, screenshots, and recorded conversations necessary in order to resolve this complaint.
Ever since my accounts were transferred from  XXXX   XXXX  to Huntington my mortgage account and funds have been severely misused. I knew my payment would be due around the beginning of the month in  XXXX , about the same time that the transfer happened. On  XXXX  I called to be sure my mortgage account would still be paid automatically. the first person I spoke to said it 'might not ' be. The second person I spoke with said it 'should ' be. I spoke to several different people because I had not, and still have not, received any debit card or checking account statements and could not setup an online account. Later that night I was able to login to the online account and while picking around at it I noticed that all of the information including the amortization schedule showed that my next payment was due  XXXX  so it would seemed the automatic payment had indeed been made. However it also showed that my next payments were going to be going 100 % toward interest- every penny. I questioned this ( again on the evening of  XXXX  ). On  XXXX  I received a response stating they were looking into it. On  XXXX  I again reached out stating that I did not want to make further payments until this was corrected, and a few days later I received a call saying that they were still looking into it and had put a note on my account to not be charged any fees during that time. On  XXXX  I began receiving calls asking " when I was going to make my payment '', even though there was no actual 'payment due ' as can be seen in my statements. When I responded that I was waiting until the issue was cleared up they reassured me multiple times that it was. I made a payment in the usual amount ( payment plus some extra for principle ). Around  XXXX  I received a statement showing that not only was 100 % of my regular payment indeed applied to interest only, but my " payment due '' for  XXXX  was  DOUBLED! In  other words, they blatantly lied to get me to pay a payment that they completely mishandled and/or have switched my loan type to an interest only loan without any consent or notice whatsoever then DOUBLED my payment! It is beyond frustrating that larger companies can do this with no consequence, and I 'm sure I am not the on ly one they h ave done this to.
I believe my loan with American Education Services is owned by XXXX XXXX. This is a loan that was taken out in 2004. I am now currently in school and have given them the information and they are still refusing to put me into deferment or forbearance. They raise my payment and interest rate every now and again too. I have attached some documents as well. I feel hopeless at this point and I have other student loans with a different servicer that are deferment. This is a small loan but it seems to give me the biggest problems.
XXXX XXXX XXXX placed an inquiry on my Experian credit file dated On XX/XX/2018 without a " permissible purpose and this needs to be removed
I have a Internal Revenue Service Federal Tax Lien listed on my credit report. I requested and was granted a Withdrawal of this Tax Lien XXXX XXXX, 2013. This form Federal Tax Form XXXX A has been on file with XXXX XXXX Nevada since XXXX XXXX, 2013. I have now requested on XXXX separate occasions in writing to Equifax that they re-verify and remove this Tax Lien from my credit report as it has been withdrawn. Each time I have sent them both exact information on where to locate the online filing as well as a copy of the form itself and each time they have come back having clearly done no research and said " We have reviewed the lien information. '' and that the Tax Lien shows as released which has been the status they 've shown for the last XXXX years. A simple and quick check at the XXXX XXXX site shows that the Withdrawal is on file - XXXX. My husband also had the lien on his credit report and while it took XXXX letters to Equifax to get it removed they did properly remove it for him. Nothing I do seems to get their attention to do their job and actually look at the Withdrawal, then properly remove it from my credit report.
TransUnion refused to provide a copy of my credit report. The need more data - Like : a bank statement, copy of a SS card, copy of a birth certificate and on and on. XXXX did send a report, the data I supplied was good enough for them.
I tried to reach Experian via phone call to close my account multiple times on XX/XX/XXXX, but the answering machine had me waited for an hour. I XXXX about the issue and found out that there are many customers who are in the same situation as mine.