WillisBack/dataset-financial-user-claim huggingface dataset:
ON XX/XX/XXXX, A HARD INQUIRY WAS MADE BY HONDA FINANCIAL SERVICES ON MY CREDIT REPORT. I DID NOT MAKE THIS INQUIRY NOR DID I AUTHORIZE ANYONE ELSE TO MAKE THIS INQUIRY. XXXX XXXX IN XXXX XXXX, MS WAS WHERE THIS INQUIRY TOOK PLACE. I SPOKE WITH GENERAL MANAGER AND THE FINANCE MANAGER AND BOTH AGREED TO HAVE IT IT REMOVED FROM MY CREDIT REPORT. ONE MONTH LATER IT WAS STILL THERE. I CONTACTED BOTH OF THEM AGAIN AND WAS INFORMED THAT ONLY HONDA FINANCIAL SERVICES COULD REMOVE IT, NOT THE DEALERSHIP. THEY GAVE ME A CONTACT NAME AND NUMBER. I CONTACTED SEVERAL DIFFERENT PEOPLE OVER THE NEXT 3 MONTHS. I FINALLY REACHED A MAN WHO SUPPOSEDLY WAS TOP OF THE FOOD CHAIN IN THAT DEPARTMENT. HE SAID HE WOULD TAKE CARE OF IT. I FOUND OUT THROUGH ANOTHER WOMAN IN HIS DEPARTMENT THAT HE DEMANDED HIS NAME AND NUMBER NEVER BE GIVEN OUT AGAIN. HE REFUSED AFTER THAT TO HAVE ANY CONTACT WITH ME. AFTER THAT ANOTHER WOMAN IN HIS DEPARTMENT TOLD ME TO CONTACT THE LEAD HONDA FINANCIAL SERVICES CUSTOMER SERVICE SUPERVISOR. HER NAME IS XXXX. FOR NOW. I SPOKE WITH HER SEVERAL TIMES IN XX/XX/XXXX AND SHE CONTACTED CORPORATE LEGAL IN CALIFORNIA. THEY TOLD HER TO CONTACT EACH ONE OF THE CREDIT BUREAUS AND HAVE IT REMOVED AND IF I HAD FILED A POLICE REPORT ( WHICH I DID XX/XX/XXXX ) TO SUBMIT THAT AS WELL AND THEY GAVE HER THE CODES TO USE SO THAT ALL 3 CREDIT BUREAUS WOULD COOPERATE. SHE DID NOT GET A RESPONSE FROM XXXX ... .THEY SAID THEY WOULD RETURN AFTER THE XXXX HOLIDAYS. XXXX WAS VERY RUDE AND TOLD HER THEY NEED A LETTER, A POLICE REPORT, ETC AND THEY WOULD NOT ACCEPT THE CODE TO REMOVE IT FROM MY REPORT. XXXX WAS UN-COOPERATIVE AS WELL. SHE SAID WE WOULD TRY AGAIN ON MONDAY, XX/XX/XXXX AFTER THE XXXX HOLIDAYS. I CALLED HER THAT MORNING AND STILL AS OF THIS DATE ( XX/XX/XXXX ), I STILL HAVE NOT RECEIVED ANY RESPONSE FOR THE 15 + CALLS I HAVE MADE TO HER. ON XX/XX/XXXX I CONTACTED CORPORATE LEGAL IN XXXX, CALIFORNIA AND SPOKE WITH SEVERAL LEGAL TEAM MEMBERS WHO ADVISED ME TO REACH OUT TO ( XXXX. ) CUSTOMER SERVICE SUPERVISOR AGAIN AND REMIND HER OF HER COMMITMENT TO HELP ME RESOLVE THIS ISSUE. I CALLED AGAIN TODAY, XX/XX/XXXX. I  LEFT A LENGTHLY MESSAGE AND STILL NO RESPONSE. I DO NOT KNOW WHAT ELSE TO DO. 
I DISPUTED THIS HARD INQUIRY WITH ALL 3 CREDIT BUREAUS AND THE LETTER I GOT BACK STATED THE INQUIRY WAS CONSIDERED FACTUAL AND ONLY THE CREDIT PROVIDER COULD REMOVE IT. 
THE GIRL IN THE XXXX XXXX MADE THE INQUIRY ON HER COMPUTER AT HER KIOSK. AT FIRST SHE DENIED IT THEN SHE SAID SHE DID IT AFTER GETTING MY HUSBAND TO GIVE HER MY SS # FOR IDENTIFICATION PURPOSES ONLY. NOT FOR CREDIT INQUIRY OR CREDIT WORTHINESS. I REPEAT I WAS NOT THERE. I HAVE NEVER BEEN THERE AND DID NOT AUTHORIZE THIS INQUIRY NOR DID MY HUSBAND. 
PLEASE HELP ME ... ... ... ... .I WANT HONDA FINANCIAL SERVICES/ AMERICAN HONDA FINANCE OFF MY CREDIT REPORT
To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts Cavalry, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
I opened a Simply Right checking account under promotion to receive {$150.00} after direct depositing {$1000.00}. I opened the account on XX/XX/2017 and have had {$1000.00} direct deposited every month for the last 5 months. I have called Santander multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I am very frustrated they are not holding to their terms and with the way they are treating their customers.
A company, named  XXXX   XXXX   XXXX   XXXX , opened a business bank account with  Fifth Third  Bank at a location in  XXXX , North Carolina in  XXXX  and operated the account for over  one  year without any problems. However, though the account was opened in the name of the business, the bank listed an individual as the 'owner ' and 'secretary ' without the company 's authorization and without confirming the designations. The actual shareholders and directors of the company were not aware of the bank 's error until the bank initiated a new process for verification of wire transfers in  XXXX  or  XXXX  of  XXXX . The company 's owners initiated a wire transfer for a corporate client which was blocked by the bank after the individual erroneously listed as 'owner ' told the bank he had nothing to do with the company and therefore could not and would not be able to verify the wire transaction requested. The bank acknowledged to the company 's shareholders and directors that it previously did not confirm the individual 's relationship to the company before listing him as the owner of the account, but the bank has nevertheless refused to offer any type of resolution to the company. The company shared all corporate records with the bank to establish ownership and corporate structure, but the bank 's legal department never returned messages or attempts to communicate and resolve the issue. The funds which were withheld were in excess of {$120000.00} and cost the company several corporate clients due to lack of payment, resulting in loss of revenue estimated in excess of {>= $1,000,000}.
XXXX XXXX @ XXXX at XXXX XXXX XXXX, XXXX NY, has made repeated belligerent and aggressive phone calls to my elderly mother who is in poor health. She is subsequently confused, annoyed and upset and we wish for this to stop.
I had student loans with XXXX. They were transferred to Transworld Systems. The original amount was XXXX XXXXXXXX. We agreed to a settlement of XXXX XXXX. I made every payment as agreed to with automatic deduction from my bank account. This started on XX/XX/XXXX. My final payment was made on XX/XX/XXXX. There was additional withdraws set up for my account. On XX/XX/XXXX, I spoke with XXXX ( A supervisor ) about that. At that my point my balance showed {$7300.00}. Accoprding to my settlement agreement, I owed {$2200.00}. XXXX agreed that according to records this was correct and we scheduled two final payments. XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$1000.00} and that would complete my obligation. I spoke with XXXX again on XX/XX/XXXX and she stated that the account was paid and a request to remove from my credit report would be made. I also requested a letter stating that I had paid the account and have received that and attached. <P/>The Collections were removed from my credit report on XX/XX/XXXX. <P/>On XX/XX/XXXX Transworld reported to XXXX that I have an open collections account for XXXX XXXX. I have tried and worked hard to bring my credit score and repair my credit. I was doing great. This crushed that. I was denied a loan and could n't figure out why. Then I checked and saw this. This is wrong.
My Chase bank account was hacks, and money was transfer to another account without my authorization. The first time was XXXX , and then XXXX . Total of XXXX . I called Chase but they refused to help, and said there is nothing they can do. I also look up where the money was going and called them to ask for the refunds, the money going to XXXX XXXX, some Indians people with heavily XXXX accents trying to speak English, and keep asking for more money for them to refund the money back. Please help.
Account for Kohls was paid off in full XX/XX/18 - cleared my credit union on XX/XX/18. 
As of today XX/XX/18, account still shows no credit available. I called three times in the past 4 days and they gave me the same excuse - it takes a while for it to clear.
I disputed this company all of XXXX and the credit bureaus deleted account, but debt collector changed it 's name to report again on my reports which is causing me to qualify for loans or credit.I sent company a validation letter to validate debt but I received no response and company re aged debt on XXXX XXXX that how I know they received my validation letter.They have no information to send
The credit reporting agencies XXXX, Equifax and XXXX are reporting information that I am confident is reporting inaccurately. As I have attempted to dispute the inaccuracies, the agencies are being either uncooperative or non-responsive to my request. I 'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. When you can provide adequate validation of this alleged debt and late entries I will concede to your policy of valid entry. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX, XXXX ; XXXX. App. XXXX XXXX. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX, XXXX, XXXX ( XXXX., XX/XX/XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
I 'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX, No. Civ XXXX ( XXXX. XXXX ), the court ruled that reporting a collection account indeed is considered collection activity. The following are challenged : XXXX XXXX XXXX XXXX XXXX XXXX ( Refelecting Late ) XXXX XXXX ( Refelecting Late ) XXXX XXXX ( ReflectingLate ) XXXX XXXX ( Reflecting Late )
Company calls myself and my consigner at least once an hour all day long every day. They have even began to call references asking that we contact them after I have already spoken with them trying to make a payment arrangement.
Paid car off with XXXX on XX/XX/2017 letter mailed in. 
Online ACH payment, 2nd time XX/XX/2017, 3rd was XX/XX/2017. 
Sent a letter to requesting them to stop calling in XX/XX/2017 and have received four since then.Also on a letter they had or were given 10 days to respond or the bill would be marked PAID IN FULL. They took 15 days. Four counts of payment in full and still no TITLE.
In XX/XX/2017, I mailed a check to my credit card company ( XXXX Bank ) on the XXXX of XXXX I was informed they never received payment. I checked my T.D. Bank account and saw the check was deposited. upon further investigation by T.D.Bank they informed me the money was deposited to another T.D costumer account by mobile deposit, and told me to file a police report and they would have their fraud department look into it also. I filed a police report with XXXX XXXX. ( XXXX # XXXX ) and was told by the XXXX XXXX. they would need to get a subpoena to get information from T.D.Bank, Since that time I have yet to get an answer from T.D.Bank as to why my money has yet to be placed into my account. the amount of the check was {$1600.00}, but only {$1600.00} was deposited into XXXX XXXX account # XXXX on XX/XX/2017 at XXXX XXXX, I have contacted T.D. many times along with their fraud dept. and just seem to keep getting the run around, with promises of my money being back into my account soon. I have also been in contact with the Police who now have the name of the person who stole my money but would not release that information to me. they are still investigating also. Since I feel this was a complete error on T.D bank for depositing that money into a personal account when the check was clearly made out to XXXX XXXX ( XXXX XXXX ) they should have immediately returned my funds and go after the criminal who deposited the check into their bank.
Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX phone # XXXX
This agent called and did not mention a name of person attempting to contact. This agent did not disclose any information, beside their personal name and office phone number. Failed to disclose that any information obtained would be used in debt collection, also failed to disclose that the communication was an attempt to collect a debt. The agent left two voice mails, with their name and number, without any other information disclosed. I have saved these messages. Returned the call, agent asked was I XXXX, then transferred my call, when I asked was she a debt collector, she confirmed she was a debt collector.
Experian is not responding to my numerous requests to investigate and remove accounts and inquiriies from my credit report that were opened fraudulently.
I was trying to send some money to an individual XXXX trough western union. The problem was that I need it immediately because was an emergency at the moment. However, western union asked me for a photo identification, so they will make the money available to the receiver, otherwise western union would not be able to continue with the transaction. I did send the photo id to western union after a couple days and western union said they approved and money was available to the receiver.I did not want the money to be received by the receiver anymore because I send the money already in some other way, so I want it to get my money back as it should be and I did get my money back, but they charge me for the transfer of money which I never send because I received the money myself. I called them 2 times and they told me me that they would not charge me any fees for doing that, but they did and that is my complaint.
My XXXX report showed that there was a hard inquiry on my credit 2 days ago, which I had not authorized. I called the creditor, CBNA, and they could n't give me any information on where or who this hard inquiry came from and when. She said that I needed to call the credit rating agency, XXXX. I called XXXX and they said that I could n't dispute the hard inquiry and needed to call CBNA again to get a letter of deletion. How can a bank make an inquiry which adversely affects me, and then not have any information on that inquiry? It is highly angering and frustrating.
In XXXX of 2007 I left the United States on a religious trip and before I left I called VW credit to explain that I would be leaving and not be in the US to make my car payment, they were helpful over the phone and suggested I use the one time offer of putting that month on the end of my loan. The representative was polite and explained I would fill out a form of which I did and I was very happy with the out come of my call. When I returned the following month to my surprise I had been sent a late payment notice and I was charged a fee and had a negative mark put on my credit. I attempted for many years for them to remove this error of theirs to no avail. I even paid a company to assist me in handling it which they were not able to do.
This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.
I was approved for a {$1500.00} loan through One Main Financial. And when I was able to provide all the required documents, I was told the loan was denied. Waste of time and inquiry on my credit report. Why call someone and say they're approved and have them allowing you to view personal information to slap them in the face.

This company is a fraud.
I attempted to refinance the loan debt I currently have through two companies. One was Discover, a company that already holds the loan debt I was attempting to refinance. I can not afford the payments of the ever-increasing fixed rate loan. I was instantaneously declined for the refinance despite my XXXX credit score, perfect payment history and my {$110000.00} in combined household income. The only " solution '' Discover was willing to offer was to provide me with interest only payments of approximately {$490.00} per month, opposed to the full payment of around {$560.00}. That is not a solution, but rather a XXXX on a much larger problem. If I can not afford to refinance per Discover 's own requirements, how on earth can I afford the higher monthly payments of the variable rate loans? 

The irresponsible lending practices of the bank that allowed me to attain this loan in the first place can not be ignored. If, as a student with no job and the prospect of being a XXXX, I qualified for such a large loan at such a high interest rate after already borrowing even more from another company, the lender was irresponsible at best, criminal at worst. I should certainly qualify for a reasonable, long-term solution now that I have an income.
After reviewing my Experian credit report I found that a debt collection company ( XXXX XXXX ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate  occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.
I would like to complain about the Equifax credit reporting agency unnecessarily perpetuating a dismissed Chapter XXXX bankruptcy public record beyond the standard 7-year reporting period used by XXXX and XXXX and outlined in the Fair Credit Reporting Act. 

My bankruptcy was filed on XXXX XXXX, XX/XX/2008 and has been removed from both my XXXX and XXXX credit reports. Equifax, however, refuses to remove this nearly nine year old record. 

In my reading of the Fair Credit Reporting Act, I can find no guidelines that substantiate this punitive measure. In fact, there is no specific mention of Chapter XXXX bankruptcy in XXXX of the FCRA. Therefore, I believe a dismissed Chapter XXXX bankruptcy to fall within the limitations of all other negative entries and should be removed after seven years. 

I claimed my bankruptcy as a direct result of my loss of employment during the XXXX recession. I have since rebuilt my finances and would like to move forward. The negative effect Equifax 's faulty reporting has had on my credit score, however, is preventing me from obtaining a mortgage to purchase a home and thereby realizing a milestone in my financial recovery. 

I have provided my Equifax dispute confirmation number and attached the dispute results document to this complaint. 

Thank you for your time, and I look forward to speaking further with you on this matter.
For the last several weeks I have been talking to XXXX XXXX, a loan officer with XXXX XXXX and other companies about refinancing my mortgage loan, and Mr. XXXX asked me to email him a copy of my recent appraisal report so we can determine my equity. 
I recently obtained my credit report and saw a " hard inquiry '' was pulled on XX/XX/2018 by XXXX! I did not authorize anyone to obtain my credit report! 
XXXX XXXX called me a few days later and I asked him which credit company do they use to pull credit, and said XXXX! I asked him if he pulled my credit report and he said he will look into it, but i have never heard from him again! 
I received an email with an attachment of loan disclosures from the XXXX XXXX!
I have filed numerous complaints with incorrect information being on my credit report. I have had to get numerous addresses removed off of my report that I have never lived at and numerous telephone numbers that I have never had. I have been disputing these same accounts for the last 6 months and they refuse to remove them. I am exhausted and I have now filed suit. I will not amend it or cancel it until they remove those items on my intent to sue letter.
I have contacted ChexSystems numerous times via mail and phone requesting a pin is sent to my address. I have updated my current address with the company each time I have spoken with them. I have been attempting to receive a copy of my report for the last six months and every time I call they continue to verify the wrong address and refuse to acknowledge any previous requests or correspondence.
Dear consumer Finance, My name is XXXX XXXX XXXX I recently, obtained a copy of my TransUnion Credit Report for 2018. I notice on my credit report that, XXXX / XXXX had stated that, the court house verified my bankruptcy at the court house. So, I wrote to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Trans Union Report., See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''.

The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, XXXX and XXXX a copy of the letter from the court house to show them  the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is untrue " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ).

I have written to asked them to remove the fraudulently information from ALL my Credit Reports.

Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.
I contacted Wells Fargo some time in XXXX and was offered cheaper and more convenient insurance which would be taken out with my monthly payment. I thought it was a great idea until I discovered I was lied to and this insurance only covered the bank. The policy started XXXX/XXXX/XXXX which covered XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$910.00} which they debited unknowingly to me on XXXX/XXXX/XXXX. After 3 months they increased my monthy payment from XXXX to XXXX for 10 months which I believed to be correct. ( Not knowing they also debited {$910.00} ) After I discovered they lied to me about being covered they debited another {$840.00} on XXXX/XXXX/XXXX ( again without my knowledge ) for XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I found alternate insurance from an honest company which went into effect on XXXX/XXXX/XXXX. Wells Fargo correctly credited me {$510.00} for the remainder. However, they now increased my payment again to XXXX without an explanation. On XXXX/XXXX/XXXX I requested a refund for XXXX plus {$66.00} XXXX XXXX XXXX XXXX XXXX ... they denied the request. I do n't know where else to turn after being lied to so many times prior. Please help. Thank you.