WillisBack/dataset-financial-user-claim huggingface dataset:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, Experian and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, Experian and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, Experian and XXXX on XX/XX/2018 and was told XXXX never contacted them.
I received a prepaid debit card from Brinks that I did not ask for or order, I do received SS benefits from the passing of my father and I thought maybe social security had sent this to me. I called to activate the card and had a representative on the line that took my information and then asked me to confirm my identity by emailing them a copy of my ID and social security card. As far as I know you do n't email your social security card to anyone or any company., unless you are at the site and using if for a job or getting an actual bank account.     I am placing this complaint as they do have my ss number and my name and DOB, and my address.     So far I have had nothing taken from my account that I can tell, and I just want to make this aware as looks like another scam to steal peoples identity.
I, XXXX XXXX, social security ending XXXX, purchased a XXXX   XXXX XXXX, 4 door XXXX with XXXX interior, Vin # XXXX, on XX/XX/XXXX from Owl Automotive Group. The financed it through Owl Auto Finance which is owned by the same man, XXXX XXXX. 

On XX/XX/XXXX, the same vehicle as described above was repossessed by Owl Auto Finance. Approximately a week or two later, I was told that XXXX XXXX, who is manager of Owl Automotive Group and Owl Auto Finance, was jumping up and down bragging while smiling and laughing in the front office in front of customers and staff members saying " ha, ha, I just repossessed my old bosses ex-girlfriend, XXXX XXXX 's car. '' I was also told later that she was telling more people/several customers on different occasions that she repossessed XXXX XXXX 's vehicle! 

I have since later heard this is a third party disclosure for companies that operate in this capacity. I am writing this complaint to you because I do not think this should happen to me or anyone else. I was very embarrassed and this is an extremely private matter. After receiving this complaint, I would please ask that you advise me on actions that I should take and you should take. 

I thank you in advance for your prompt attention in this matter and I look forward to your immediate response. 

XXXX XXXX
I was checking my credit for the XXXX time in several years and I have a collection on a car loan from XXXX XXXX as the original loan and now turned over to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Phone is XXXX ) ) ) ) ) I have never applied for a car loan from XXXX XXXX and ca n't get any info on this company my credit report says disputed but is still unresolved and it 's been like 3 months and still on my report. I would like some help resolving this issue please I am always grateful when someone offers to help sincerely XXXX
The interest is very high and almost unmanageable with my fixed income. I did send XXXX  XXXX a copy of -My Award letter. 

Loan Disclosures : Annual-123.99 % Finance Charge- {$7100.00} Amount Financed- {$2500.00} Total Payments- {$9600.00} Payments- XXXX Amount- {$260.00} LEGAL ARGUMENT : The federal SCRA allows service members to cap the interest rates on most of their preexisting loans or obligations at 6 % per year while on XXXX XXXX. The 6 % interest rate cap applies to mortgages, credit cards, car loans, other installment loans, and some student loans. " Interest '' includes fees and other charges.
This is the 2nd time Chase Bank ( XXXX XXXX ) has closed my account after approving me ( I have good credit ), stating I am reputational risk for their company? I'm not sure what this means, since I have great reputation in my community, both financially and socially. I feel that I have been " personally discriminated '' against. I called Chase several times, and they said there is nothing I can do? No explanation given.
XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!
Conn 's XXXX XXXX - they contacted me on XXXX/XXXX/2017, XXXX for a payment that was due on XXXX ( 4 days late ). I answered the phone, confirmed I was the accountholder and let the representative know I would send the payment out on my next paydate, the XXXX. I also stated that I only stayed on the phone because she introduced herself as if I knew her, but typically I would have told them to callback because I was at work. Once I found out she was a collector, I needed to hang-up but she knew what date I would be paying. 

They proceeded to call on XXXX multiple times at : XXXX ( I even answered and hung up when they said it was Conn 's calling again ) XXXX XXXX XXXX They called again on XXXX at XXXX CT and I answered and told the agent that I have already spoken to them, let them know I will pay on the XXXX and demanded to know why they are calling again because this is illegal to call over and over again, just because you did n't like my answer 2 days ago. The representative stated that they are calling because the agent did not put in a " Promise to Pay '' on Wednesday -- I said that is n't my problem. I told you the same thing I told her and what you do with it in your system does n't change that you ca n't keep calling even after I tell you when I will pay and this was illegal and I was going to file a CFPB complaint. She responded " Do what you have to do. ".
I have been a Bank of America credit card customer since the late XX/XX/XXXX. Until recently their service has been excellent, but this XX/XX/XXXX I had my credit card compromised. I was issued a new card by B of A and I destroyed my old one. But evidently, B of A did not close down the old card number, rather they left it active and fraudulent charges made on it rolled over to my new card. Now, this month, THREE MONTHS after the old card was supposedly deactivated by B of A, I have fourteen fraudulent charges show up on my statement from the old card number. After multiple phone calls to the B of A fraud line, I think I have it resolved but it took me five days, with a phone call and long waits on hold each day. I was given three incorrect numbers for the fraud dept. before finally getting the correct number. Even with that, I usually end up with a customer service person when I call it, rather than the fraud dept. and so get transferred and have to wait again and again. I have talked to no less than a dozen people while trying to remove the fraudulent charges. If this is happening to others, I wonder if B of A is scamming the cash flow by leaving charges on statements, then dragging their feet when resolving them for their customers. Or are they just extremely incompetent now? Either way, I am considering closing my account and getting a card through another bank. Very inconvenient and stressful, a big waste of time for me, the 'valued customer '.
Whenever I am 24 hours or more late on a payment the Conns, company, auto dialer repeatedly calls me ever couple hours with an average of 10 times per day or more. This is excessive and I consider these actions harassing. I understand an attempt to contact me once a day with a voice mail message if I do not answer should be sufficient. This company calls me twice in a row every two hours starting at XXXX. I have blocked the number calling me and they change it.
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX  XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX  this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
On XXXX, I took out a loan with Big Picture Loans in the amount of {$800.00}. On XXXX and XXXX I made two separate payments of {$320.00} each, on time. My loan is current. In XXXX, I filed a complaint with CFPB. Big Picture Loans offered me a settlement in the amount of XXXX however ; this settlement did n't not include my previous payments made totaling in {$640.00}. Also, on the site, my account was placed in Past Due status and all other information was removed. When I inquired about this with one of their representatives by phone she inform he me that my account was being handled by another specialist branch of the company and could n't give me any information on my account.
ZWICKER FAILED TO RELEASE 2 JUDGEMENTS FROM MY RECORD, CASE NO.
XXXX XXXX XXXX, IN THE AMOUNT OF {$12.00}, XXXX AND {$2.00}, XXXX. THE LESSOR JUDGEMENT INVOLVES AN ERROR IN REPORTING OF {$2.00}, XXXX, SEE ATTACHED.
I submitted an investigation for a dispute on my XXXX  and Experian credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed Experian Items - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX CO XXXX MyPointsRewards/ XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries BELONG on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed XXXX Items - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I purchased a lawnmower from a dealer XXXX nd opened a XXXX credit line through ge capital promo no interest if payed in full within two years they say it was a standered purchase but I sent them proof fax the invoice to them twice I sent them XXXX dollars a month for two years it should be payed off by now I accualy over paid them they should owe me XXXX back this has been going on for months now was never late with a payment.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I have never done business with the First National Bank of Omaha. This account was opened due to fraud.
I 've been trying to resolve multiple unauthorized inquiries on my  Eqiufax  credit report to no avail even with an intial fraud alert being placed on my report.The unauthorized inquiry number keeps rising and Equifax refuses to investigate and instead just sends me a document stating what an inquiry is.
Navient is the owner of the student loans I have, XXXX. I pay some and others are in forbearance. They still report negatively to my credit report monthly and its the only thing KILLING MY Score and all accounts are in good standing!

For the last year and 1/2. Please help us make this stop!!

Its bad enough interest is through the roof.
XXXX put XXXX debt on my account after it was paid before collection. I called they told they do n't have my account it was sold and theres nothing they can do
XXXX took a refund from my checking accnt instead of my XXXX account and caused me to overdraft and Capital One said to me they only allow 1 OD waiver every YEAR. 

I have been with the bank for years, and one waiver a year, really? Especially if it's not your fault! I have taken countless OD fees, that were my mistake! 

The OD was on XX/XX/18 for {$35.00}
XX/XX/2018 Today is payday for me and no direct deposit and when I called no one answered or I was on hold for an hour no via emails or phone call about any problems ( they are not answering calls for this problem )
I contacted Trans Union regarding an illegal lender showing on my report. The agent did not seem to comprehend what I was trying to tell them and was not very English fluent. I received the results of the investigation around 2 weeks after I filed. The illegal account, XXXX XXXX XXXX, is still on my report as being charged off. This account should be wiped from my account all together due to the fact that in Louisiana they are unlicensed therefore have to forfeit all balance and fees regarding the loan and is deemed noncollectable. See notice - XXXX XXXX XXXX [ Please note, failure to obtain a license with this office shall nullify and/or void each consumer credit transaction or deferred presentment ( payday loan ) transaction originated after the XX/XX/XXXX effective date. These transactions shall be deemed unenforceable and uncollectible. Creditors will be required to forfeit all loans or transaction proceeds, fees, charges, and other amounts paid in association with the transaction or loan. ] I had to call and file a complaint instead of the easy online process because my account was locked out and they would not allow me to access without taking weeks of back and forth snail mail confirming my identity involving sending a picture of my ID and waiting on an affidavit from them ( This is a whole different issue I 'll take up with the BBB ).
In an effort to learn my pre-approved rate on a personal loan with XXXX XXXX XXXX, XXXX XXXX XXXX did a hard pull on my XXXX credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.
I submitted notarized letters on XXXX XXXX, 2016 and on XXXX XXXX, 2016 in regards to XXXX bankruptcy XXXX. As of XXXX XXXX, 2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.
Synovus Bank XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX The bank put a {$760000.00} mortgage on property that I own without my knowledge. I never signed any documents to grant them permission to place a mortgage on my property. The property address is XXXX XXXX XXXX XXXX Florida XXXX. The loan is in XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have all of the supporting documents and can forward when needed. You can view the XXXX XXXX Florida Property Appraisers Office ( XXXXt ) owner XXXX XXXX XXXX
I was residing with a person who was renting a home, I was not on the lease as a person responsible for payment. Just an additional person living in the home. I am receiving letters that a debt has been sent to a debt collector. When we moved out the balance was {$0.00}, no deposit was returned, property was not damaged, no letter was sent to a final bill or money owed, no contact with the property manager from XX/XX/XXXX until XX/XX/XXXX when I received a letter. I responded with a written response that I deny the debt. I didnt hear anything else. Then XX/XX/XXXX I was sent a letter with a lesser amount to pay. I was never advised of this debt before it went to collections and they did not notify the resident responsible for payment. XXXX XXXX did not send a bill or communicate before the collection agency and this is not proper. They can not produce verification of the debt but we have paperwork with a XXXX balance. Debt was sent to Rent Recovery Solutions LLC, who hold many complaints of misconduct and fraud.
I received a message from a person who identified themselves as XXXX XXXX on XX/XX/XXXX. I had received notice from XXXX friends of mine that were listed as references that they had each requested information on my whereabouts who I no longer talk to. The representative called me the next morning and would n't identify the company they were representing until I verified personal information. They then indicated they were representing the company XXXX XXXX Loans. In XX/XX/XXXX I had taken out a small loan to support myself XXXX This condition has proven to cause further complications due to the continuous stress that 's been brought on due to my inability to be able to work my full-time hours. My doctor can clearly submit any paperwork needed stating this information. At this point, in order for my condition to improve anything that provokes stress in my life has to minimal in order for me to improve and receive repeated phone calls regarding this matter. The person identified themselves as XXXX XXXX from Kramer and associates law firm at phone number XXXX. I very much appreciate your assistance on this matter.
On XX/XX/XXXX, I received an email from a company called XXXX XXXX  telling me that my credit application was approved. I did not apply for a loan from this company. On XX/XX/XXXX, the company deposited {$1000.00} in my bank account. I called my back to inform them that I did not authorize a loan request.
I have a rebate card issued by XXXX for {$930.00} and the card is issued through wire card service ( citi card ). according to Wire card service they sent the rebate card to me on XXXX XXXX XXXX but I never received the card. Upon enquiry, they did an investigation about this and found fraud activity. someone else used that card in XXXX, XXXX XXXX, TX on XX/XX/XXXX. Then they sent me another rebate card on XX/XX/XXXXXXXX that card also I did not receive. When I called the company, they said they are going to do another investigation on this. 
After investigation they found someone used the card on XX/XX/XXXX in XXXX # XXXX, TX for the full amount of XXXX and they said they couldn't find any fraud activity on that.and they are not replacing the card to me. 
I called the company and asked them how they reached in that conclusion of not replacing the card? what is the result of the investigation they did? 
How they reached the conclusion that there is no fraud activity happened? 
They did not answer for any of my questions. they just said they closed the case. 
I want to know how the company reached a conclusion that they are not replacing the rebate card which I never received. also I want to get my rebate card as soon as possible. 

XXXX card No. XXXX used in XXXX # XXXX, TX for {$930.00} XXXX Card No. XXXX used in XXXX XXXX, TX for {$930.00} Thank you
On XX/XX/2018 I spent a night at XXXX XXXX XXXX XXXX XXXX and I went to an ATM to make a small cash advance. The machine did not dispense money and I promptly contacted security in the casino and never left the ATM. When security responded I explained that the machine did not dispense money and she told me that I had to call my bank.. Having not moved from the ATM I called Pentagon Federal Credit Union to report my problem. I stood there approximately 20 minutes while they took all pertinent information. After a long wait the representative told me it would be taken care of. I went to a different ATM and took two small cash advances which went through without a hitch. When I came home I noticed that Pentagon Federal Credit Union had the disputed amount in a pending file on my credit card account. After 3 days they simply added it to my total credit car balance, knowing I did not receive the advance. I called PFCU twice and spoke to representatives who assured me they would handle this issue. 
Nothing changed. On XX/XX/2018 I called PFCU yet again and this time I asked the agent to allow me to speak to a supervisor since the agents were doing nothing more than making assurances they could not keep or perhaps lying might be a better term. The supervisor said he would look into my issue and call me back no later than Tuesday XX/XX/XXXX. Needless to say no call came and I am still stuck with no resolution. Every ATM has a camera and on top of that I was in a casino hotel where you are under surveillance every second unless you are in your hotel room or the bathroom so they know full well that the machine never dispensed money and it relatively simple to verify if they made the effort. Moreover the Cas advance fee and dollar amount should not have immediately been posted to my account without PFCU even bothering to check. I have just submitted forms to discontinue any direct deposits to PFCU since they simply can not be trusted. In addition I intend to pay off my PFCU Visa with the exception of the disputed amount and I will close the account, however I will never pay the amount I did not receive. I would rather face this in court out of principal.. I hope that you are able to get a satisfactory answer and explanation as to why. By all means share this information with others. In my view these people can no longer be trusted. I am stuck with PFCU for my mortgage loan but as long as I live I will never trust them again. I need a financial institution that has integrity and is responsive and can give me straight answers. Pentagon Federal Credit Union is not one of those institutions