WillisBack/dataset-financial-user-claim huggingface dataset:
I have several creditors who pulled my credit report without my permission. Experian wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Experian is also asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Experian, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditors pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Experian. I do not feel that I should have to contact creditors, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking You
ChexSystems has been repeatedly contacted. I have sent in every piece of documentation, proof, contacted them by phone, contacted them by mail, contacted them online. Without resolution. I am a victim of ID Theft. I am requesting them to block the incorrectly reported inquiries. I have sent in a FTC Affidavit. Per the LAW this goes directly to my local police department. This was Sent to XXXX PD. They are aware of this document and have taken the report number down. ChexSystems still continues to deny my identity theft claims, and simply states they do not have to block any information unless i provide them a law enforcement document that is " signed '' This FTC Report is signed. I will provide the additional detail of what i have discovered on my ChexSystems report. First of all ChexSystems has wrong address ( s ) on file. XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This is just to name a few. They also have three names listed XXXX XXXX, XXXX XXXX XXXX. These two names are not my correct names i want these blocked and deleted as well. I want the addresses listed above taken care of as well. This has gone on long enough, there inquiries are not permissible. I did not grant any bank any permission to open or attempt to open checking accounts. These applications were all submitted online as i am starting to figure out from the companies themselves. Not only that these are DUPLICATING. With a security freeze on file legally no one should be able to check my ChexSystems. YET Chexsystems is abusing FCRA and allowing inquiries to go through. I want all of these inquiries blocked. 

These inquiries include multiple inquiries from XXXX XXXX, XXXX, XXXX, XXXX Texas, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Not only are these Duplicated they are almost triple and quadruple. These are all fraudulent. I did not grant permission to any of these institutions to apply for checking and or savings accounts or any other product for that matter. My wallet was stolen and my identity was used fraudulently.
Following my divorce my ex-wife had our original mortgage modified after getting the home into foreclosure. Wells Fargo modified the mortgage lowering the principal and interest and adding a XXXX mortgage for back payments and legal fees. The house has gone into foreclosure again and Wells Fargo is coming after me, I did n't sign any of the paperwork to modify the original mortgage or the second. How can I be held responsible for a contract that I did n't execute?
Initially contacted Experian to see personal id info as part of Social Security account initiation process. SS told us to use info as listed with Experian for id verification. In the process inadvertently signed up for their service. Their website has no link to cancel service and very long waits on the phone to get service. 
By the time we finally reached someone the 7 day " trial '' period had passed and we were charged for a month of service. It has been less than two weeks since we initiated the service. They would neither refund nor prorate the charge.
Enhanced recovery systems called my job XXXX weeks ago, they were notified that personal phone calls are not permitted by our company, a week later, XXXX more calls at work from the same company happened after they were told to not call me at work
I have two vehicle loans with Ally Financial Services, one is for a new vehicle purchased in 2017 and a used vehicle purchased in 2017 as well. I am only about 14 days behind on my payments for both vehicles and I am planning on paying both loan payments within the next 3 days. They have been calling me up to 20 times per day every day for about the last 10 days and they will call me two times in a row on my personal number and leave a message each time and then call me two times on my work number and leave a message both times and then switch back to calling my cell phone back to back. This is tantamount to harassment in my opinion. It is not like I am 30+ days late on my loan payments and they are calling me non-stop! I was not able to select the exact problem on the previous questions because there wasn't really an option to select that matched up. Please do something about this, it is honestly ridiculous. 
Here is a list of the call times today as of XXXX XXXX : 2 calls back-to-back at XXXX XXXX today on my personal number 2 calls back-to-back at XXXX XXXX on my work number 2 calls back-to-back at XXXX XXXX  on my work number 2 calls back-to-back at XXXX XXXX on my personal number That is already 8 calls by XXXX XXXX today and I will be getting these phone calls all evening until at least XXXX which could amount to at least 8 more phone calls!
On XX/XX/XXXX I sent a Goodwill letter via email to the CEO of Capital One. In the letter I described the reason why I had fell behind the year prior on my payments and asked that they be removed due to searching for a home. On XX/XX/XXXX, a representative from Capital One called me to state that she received my letter and asked follow up questions. The representative also stated that I would have an answer by XX/XX/XXXX end of day. On XX/XX/XXXX the same representative called and stated that she could no remove the late payments. When asking the representative why I was denied, she stated that she had no answer. I then ask could I appeal the decision, the representative stated yes but that it wouldn't change anything. I did not make a payment between XX/XX/XXXX and XX/XX/XXXX due to moving to a new state for employment. During this time my wife could not find a job and I was unable to make the payments on time. Before XX/XX/XXXX and after XX/XX/XXXX I have made on time payments. I am working towards repairing my credit and searching for a home and this is one of the items hindering me from progress. I was financially unable to make the payments, however when I regained financial stability I continued to make on time payments and I have not missed a payment since.
Wells Fargo has not met the investor requirements on maintaining a foreclosed property. For the address, XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; Wells Fargo has been informed numerous times that the XXXX acre property was not being mowed. The result is that the grass is often XXXX-XXXX ft high, fox and deer run wild, snakes are present, and XXXX XXXX is a constant threat.
In XXXX 2016 I changed my banking services and proceeded to update my autopay information in the Brooks Brothers XXXX system. Previously, autopay had worked to pay the full balance of the credit card on time. When I checked my account in XXXX because I was curious about previous charges, I discovered that autopay had removed my information since Brooks Brothers had received notification that my old account was closed. Their system mistakenly removed my new autopay information. I called up Brooks Brothers who informed me that a filing would be made to remove this delinquent payment from my credit report history. It has now been three months and my credit score has dropped precipitously from the time this occurred. I have lost XXXX points of credit rating which will affect my finances for decades. I would like this delinquent credit report removed from my credit score.
On XX/XX/2018 I Made a payment of {$3000.00} through PayPal for marketing services for my business. I tried getting my money back because there service was never delivered and the merchant ignored me. I tried to contact PayPal and they say they could nog help me and the fraud department could not help me. now I lost money I don't have and PayPal is harassing me to pay my negative balance on my account that occurred because my business partner payed me the {$3000.00} to advertise and made a dispute against me. 

I have tried everything to show that the other company scammed me.
I submitted a complaint [ Case number : XXXX ] about the fact that I have been enrolled in school for two years and the ACS refuses to acknowledge that, or provide an option so that I can prove I am enrolled. ( Every other lender is able to access the national database, and does not have this problem ). ACS responded by saying I had to contact them. So, I tried calling, and was on hold for over 30 minutes, and I emailed the website simply asking for an email or phone number or fax number where I could send the certificate from the national clearing house that I am enrolled. I called and sent the email on XXXX XXXX, with the only response an auto reply that I would get a response in 48 hours, but I did get a payment taken out of my account again today. ACS is the absolute worst.
A man from BG lenders has contacted people oin my family related to a car loan that I 'm working to catch up on. He never leaves a name on a the card but shows up & calls many people in my distant family making threats against, slandering my character, ect. He goes by the name of XXXX ... Plz help
Since XXXX 2017 when Equifax had its security breach I have not been able to resolve my issue. I would call the number I was told after being on hold for sometimes over 2 hours and I would call XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is just some of the numbers I have been given by people that work for company. Equifax has given free service for Trusted I.D . and I have tried to go on the web site and tried to print my report which it says I am able to do but yet it wo n't work and one person tells me that I have connected to the wrong number and they give me another number and that person will tell me the wrong number and give me another number and so on. I have spoke to numerous supervisors and still with no results, I e-mail them and takes weeks to get a reply back and it says they ca n't call me but to call customer service at number ... ..and again I get no where. can you please help.
XXXX CFPB casses compaints against wells fargo bank [ morgages ] wells fago bank has comitted fraud and perjury in courts across america, THAT MEANS ALL FINAL JUDGEMANTS FROM XX/XX/XXXX to XX/XX/XXXX SHOULD BE ANNULLED and propertys stolen by fraud and perjury should be returned or the total value plus interest to date and jail for all that took part in this criminal act of crime and this is more important than acounts that were falsly set up THIS IS A DELIBERATE ACT TO COVER UP OR DECEIVE JAIL FOR CROOKS
I do not have a signed contract with Portfolio Recovery. They are stating they purchased the account from XXXX XXXX XXXX XXXX. This bank doesn't exist. they are stating i owe a balance of {$800.00}.
As of   XXXX      XXXX  has sent the attached updated information to Equifax. This information was given to Equifax several times by myself and  XXXX  to update my account. And   XXXX   XXXX   XXXX   is still showing as well as unverfied inquiries as originally reported. As of today, Equifax has not done so along with the other complaints I have filed. A lawsuit will be appropriate according to my attorney for Equifax 's negligance on updating and removing wrong inaccurate information from an consumer 's report causing a negative impact on there credit worthiness and score.
I was a Victim of Fraudulent activity With XXXX XXXX XXXX XXXX XXXX in the process of Real estate Transaction, FBI was involved Due to Real Estate Fraudulent Scheme.
A recorded message keeps contacting me and my family. Stating they need my address, they have been trying to deliver legal documents to me. The recording gives their clients telephone number to be XXXX and file number XXXX. This number is to XXXX XXXX XXXX XXXX XXXX is rude and abrupt. I have been receiving these calls since XXXX. I filed BK in XXXX. My attorney spoke to XXXX also. The claim in that Chase has hired them to collect on a credit card debt. I spoke to Chase. Chase states they have no claims against me.
XXXX    XXXX  , Equifax removed accounts and inquiries due to their inaccuracy and false reporting. Upon reviewing my report, I noticed that everything that was once disputed and removed has been added back onto my credit report. I did not receive any notification that these items would be added back. I am demanding that each and every one of the items that were once removed for inaccuracy be removed once again. This is affecting me negatively and hindering me from moving forward. Equifax has not provided any form of validation whatsoever and yet these inquiries and accounts are being reported. I have attached proof of these inquiries and accounts being removed from my report.
I have try to solve this for some time now, with Equifax and XXXX, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}
A collection showed on my account through XXXX XXXX. I tried on multiple occasions to make an online dispute with Trans Union. On all three occasions, 2 from the same computer and 1 from a different computer, I got all the way to the end of the dispute form but was not allowed to submit it. I checked their form up and down and had left nothing out, clicked or unchecked but still the 'Submit ' button would not activate nor submit the report when I clicked it. 
The collection action had lowered my score by nearly 30 points. I  have no idea who they are but have no intention of fighting with someone on the phone who will automatically assume I am a liar. In the past two years I have paid off all my credit cards and only have a consolidation loan through my credit union with any amount over {$100.00}. My score has gone from a mid-500 to XXXX until several days ago when this new company posted the same collection to my account prompting Trans Union to lower my score by nearly 50 points. 
I have tried to log into the account I was required to set up with Trans Union only to be told the password I am using is bad - so I change  the password and get kicked to a page which says, " XXXX you can not access your account at this time. Please contact your Security Administration or Help Desk. '' I get the same message when I try to log in from my home computer so it is nothing on my end.
We suffered a severe hardship in XXXX when my husband was put in the hospital XXXX..We have been applied for XXXX Loan modifications since then and was denied because I had in XXXX 2013..I was told I had to wait until XXXX to apply and I completed the package with all documents needed and today they said I was denied claiming it was not 24 months when I actually started the modification in XX/XX/XXXX 2013 with the trial period and the Permanent Modification was approved in XX/XX/XXXX.2013..Please help me ...
I received a phone call back in XXXX from First Credit Services about a debt to the XXXX XXXX XXXX XXXX XXXX. I had requested a letter stating the amount owed, reason for collection, and what my options are. To date, I have yet to receive this letter. Today ( XXXX/XXXX/2015 ) I received a phone call from First Credit Services attempting to collect this debt. I told the individual on the other line that I would not pay anything until I receive the letter stating what I asked in a previous phone conversation with the company. The individual immediately hung up the line.
I wired my money ( {$8000.00} ) to Coinbase USD Wallet. The money was successfully wired. However, after receiving the money, Coinbase requires me to give them my social security number to buy, sell, withdraw that money. However, I do not have an SSN, so I can not do anything with my money. I have contacted Coinbase via email on XX/XX/XXXX, but haven't received any response.
I have been double charged for the last 3 months plus by XXXX. I called them, emailed, etc and the false charges arent stopped and I havent been reimbursed. So I called Huntington bank to hold charges and investigate XXXX charges. The telephone clerk said they couldnt do that. I asked why I wasnt given any reason. I then asked for a policy letter and the person on Huntington call line identified herself as XXXX send, no. Secondly, I asked for company employee number she hung up. In short Huntington wouldnt put a hold on false charges and still hasnt correct false overcharges, complete account audit or tell me where nearly {$900.00} of overcharges came from or accounted for. XXXX likewise havent reimbursed me for false charges this clearly is account hacking on both accounts and they both are covering up companies insecurity.
I have been trying to Get Wells Fargo to stop a reoccurring charge on My checking account from a company in XXXX that I never authorized. The charge has been happing for 3 months in a row for {$50.00} and Wells Fargo is telling me there is nothing they can do and close the dispute ( twice ). I do not want this company sucking money from my account anymore!
My name is XXXX XXXX. My fiance ' shares the same last name ( XXXX ) with my neighbor. " Credit Control LLC '' ( formerly known as " XXXX XXXX XXXX XXXX '' ) has been repeatedly calling our household asking for this neighbor. 
Yesterday ( XX/XX/XXXX ), they called again, and for the first time, I answered the phone to clear up the misunderstanding. The representative thanked me, and then hung up. 
Today, ( XX/XX/XXXX ), one day later, they called again. I answered, but this time asked for their mailing address. They promptly hung up the phone. 
Can you please tell me what my options are at this point, to end these daily phone calls. Thank you in advance for your help Sincerely, XXXX XXXX
They said that they was going to remove it from my credit report because the debt was paid for. My son had insurance of the time of the day of that appointment.
Receive robocalls asking for someone else from The Thomas Agency. The call does not provide a means to notify The Thomas Agency that the mobile number they are calling no longer belongs to whom them are calling. I have called The Thomas Agency several times to inform them of the unwanted calls, and educate them that mobile numbers are often reassigned to other people, as in my case. The Thomas Agency either does not have the technical means to address this issue, or they simply do not feel they have a responsibility to stop harassing people who are not a party to a debt collection situation.
Federal trade reference number  XXXX . All fees were paid to the  XXXX  Apartments in installments as instructed by the employees of  XXXX   XXXX . The reported on   XXXX   and now they are reported non payment to  XXXX . I was paying   XXXX   XXXX   Apartments while living at  XXXX   XXXX   ( sam e management company  ) Plea se see attachments.
Wells Fargo 's executive specialist team, As you investigate my complaint as well as Florida 's attorney general request for a written response regarding this subject matter, please take into consideration the following facts : The Equity loan that your company is compelled to hold me responsible for originated as an instrument of the now outlawed Pick-A-Payment loan, which was then a requirement in securing the primary loan note ( one could not exist without the other ). <P/>After a six year lawsuit that I initiated back in XX/XX/XXXX, due to Wells Fargo reneging on their originating loan options and the predatory nature of the loan, I finally settled with Wells Fargo at the direction of my attorney with the stipulation that Wells Fargo would finally work to approve me for a loan modification unlike the the offer seven years ago that just offered the amount owed to be placed on the back of the loan in exchange for waiving my rights to bring suit against Wells, of course I declined. <P/>My Attorney suggested I settle based on two key factors : > As flawed as the terms were I was previously approved for a modification back around XX/XX/XXXX, at the same time Wells was found guilty of not modifying qualifying members like myself, a fact that was to be considered. <P/>> the equity loan that originated along with the primary note held the home as collateral and therefore as long as the equity loan was open and in place ; a foreclosure & sale was not imminent. <P/>What was not known at the time of the settlement by me or my attorney was that Wells transferred my home equity loan back in XX/XX/XXXX without my knowledge or my attorney 's knowledge releasing the home as collateral and allowing Wells to decline the Modification and foreclose on my home without obstruction, which they did. <P/>Although I asked Wells representatives multiple times to update my mailing address while I was working out of town they kept sending mail to where I was not so I never received any notification of any changes to my loan account and neither did my attorney who was to receive all notification related to my open suit, especially given the fact that the settlement agreement in which I signed included reference to the equity loan.
I have spoken to XXXX Experian representatives over the course of months now to fix the following problems : 1 ) incorrect SSN on my report stopping me from getting my XXXX score and approval from credit card companies, and 2 ) their inability to verify my address and thus having me wait 90 days. I have uploaded my proof of identity multiple times, and as a result, got the SSN problem taken care of. Experian sent me proof of this saying my SSN has been update on a report.This means they have my identification materials on file -- exactly what they need to verify my address. However they " lost '' it and now I have to reupload them, except now it wo n't let me upload anything. I am dissatisfied with every aspect of Experian 's terrible, incompetent customer service, and believe that my identification materials have been stolen. I will be seeking legal action against Experian.