WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  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  Bank  XXXX / XXXX / XXXX  Please remove these inquiries from my credit report immediately
There was 3 unauthorized transactions made to my card on XX/XX/XXXX. I filed a dispute on this day. I received paperwork on Tuesday the XX/XX/XXXX and send it back the same day. I have called everyday to see If XXXX XXXX received my paperwork and I was told that they didnt receive it yet. It has been a week since I send the paperwork and now they telling me that I have to wait 45 to 90 days. One representative told me that If my paperwork was received by Monday the XX/XX/XXXX that they would release my money back onto my card. Which was {$410.00}. I am being put out of my house cause of this. Those companies that allowed the unauthorized transactions was XXXX and XXXX in California.
I took a payday loan out from the Cash Store back in 2014. I had to pay it off thru XXXX XXXX XXXX because I ran into financial problems. I pay {$1600.00} which paid it in full. Today I received a call from XXXX then the lady transferred me to XXXX XXXX at XXXX. He told me I owe {$940.00} on this bill. He said I was going to be served a summons and arrested for check fraud. I tried to explain that this was pif. I said I will fax over the proof and he said the fax machine was broken. He said that they checked my records and I have never had problems like this.
This complain is against XXXX which is owned by SunTrust. I applied for an application with XXXX on XXXX XXXX, XXXX and was denied for no valid reason. I received an email stating I was denied for income and credit reasons but my XXXX XXXX is over XXXX with no derogatory items on my credit and my income is over {$220000.00} a year with less than 20 % debt to income ratio. Therefore, its impossible for me to be denied based off credit and income but when I called in to XXXX to try to get a clear explanatino for the denial no explanation was given to me. I was told I would receive a call back from a XXXX but no XXXX ever called me back. When I called again to let them know a XXXX never called me back they still refused to transfer me over to a XXXX. I just want a clear reason for why I was denied and I know I will never receive a reason a valid and just reason because XXXX wrongfully denied my loan and every time I try to get someone to look at my file they just brush me a side. I work in the lending industry myself so I 'm very familiar with lending guild lines and principles. I am hoping CFPB can get their attention the way I am unable to and demand a reasonable answer. Thank you for your time.
On or about XXXX XXXX, 2017 I noticed on my XXXX XXXX XXXX a processed charge from XXXX XXXX XXXX that was posted on XXXX XXXX, 2017 for {$960.00} as well as a " In Process '' charge in the amount of {$950.00} also from XXXX XXXX. Both were Internet transactions. I work for the XXXX and had been on assignment the prior week so I immediately called my wife to see if she had made these charges, she replied, " Absolutely Not ''. I then called XXXX XXXX to report these purchases as fraudulent. They took all of the information and the next day the charges were reversed. On XXXX XXXX, 2017 I received 2 notices from Caine & Weiner, a Collection Agency ( all notices as well as other documentation is attached ). The notices state that I had 30 days to dispute the validity. I called the company the next morning and spoke to a woman named " XXXX '' who informed me that the purchases were for 2 XXXX  XXXX 7 Plus smart phones. 1 had been picked up at my house and signed for by someone named " XXXX '', and the other was forwarded to a XXXX facility for pickup. I have a friend who had a similar scenario and was told by the cellular company that the criminal receives the shipping updates to the phony email address and waits a couple of houses down and then walks up as if he is just getting home. Why was no ID asked for??? I advised her that there is no one at my house named XXXX as it 's just my wife and I, our sons had long been out of the house ( XXXX XXXX XXXX years of age ). She advised me to file a police report with my local police department and forward that to them with a letter of explanation, which I promptly acted on. The XXXX Texas Police Department took my report and their response is attached. I forwarded everything to them on their website as advised, XXXXXXXXXXXX, and thought that this was a completed event. I heard nothing until I received 2 more notices dated XXXX XXXX, 2017 stating the debts are still unpaid. i proceeded to mail, fax and repost to their website all of my documentation including cover letters. I have attempted over 20 telephone calls only speaking to one other female by the name of XXXX who located all my documentation and said she would forward it to her manager, XXXX. I have made numerous calls to XXXX, and their main # as well as the name on the notices, XXXX XXXX and have left voice messages begging them to call me to discuss this. NOTHING in return. Prior to the 2nd notice I noticed another charge from XXXX XXXX for {$8.00}. This time I called XXXX directly. An individual named XXXX took all of my information and agreed that this was a fraudulent purchase of XXXX XXXX done at the same time as the 2 phones. He cancelled the charge and any future charges. He asked me if my email address was, " XXXXXXXXXXXX '' to which I replied, " NO ''. The reference # for the call and fraud case is # XXXX. The confirmation for the cancellation of the service is # XXXX. I am a XXXX year old XXXX employee for the XXXX with perfect credit since I was XXXX years old, why would I perpetrate a fraud using my own card and name? This is a travesty that these people at Caine & Weiner treat me and others in this manner. Please assist me.
We own a XXXX ( XXXX ) and were offered " Merchant Financing '' by American Express. I spoke with them at length about the amount of the loan, how it was to be paid back and what payback was based on. The way the loan is repaid is within a year period, they pull a percentage of the credit card payments to the business before they hit our bank. My understanding after numerous conversations and seeing the numbers in the contract, was that the repayment was based solely on our last year 's income. I figured this was a good, smart way to structure a loan since we are a fairly new and growing XXXX. I knew I could pay a percentage of our income based on last year. However, XX/XX/XXXX I noticed something was wrong. We made $ XXXX more XX/XX/XXXX than last XX/XX/XXXX, but somehow we still did not reach the payment amount American Express had set for the month. I called them and asked how this was possible if it was based on last year 's income. It took me numerous calls and follow up e-mails to finally learn that they had added a XXXX % growth rate into the equation when they calculated our loan. I spoke to several people and, based on the fact that I was misled, asked them if they could extend payback to two years ( from one ) or give me a couple months break while I found a bank to refinance it. I was told no on both counts.
Requested from XXXX accounts Resolutions exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?
XXXX unauthorized withdrawals made to my checking account in the total of XXXX dollars via teller machine. After filling a fraud investigation request with banking institution CITIBANK they have refused to investigate. I filled a police report with local agency and have given them the report as they asked. I am still being told the investigation is denied and Im not going to get my money back.
We began this problem many months ago, but it became impossible in XXXX and XX/XX/2018. The company that has our mortgage is Chase Bank. We have never missed a mortgage payment in 16 years of a 20 year note to date. Chase stepped in to pay our Property taxes that they had never paid before, and they paid taxes that were not delinquent, then set up an Escrow account to collect from us. When we made payments against our mortgage and the escrow amount, they routinely misplaced our payments each month, sometimes replacing the payments in other non functioning accounts. They did not tell us of this misplacing, instead, they reported us to the credit agencies as being late in mortgage payments for 2 months, even though we had receipts showing that if the payments had been placed as the receipts show, we would have no late payments. They apologized, withdrew late payment fees, and claim they remediated our credit report. The very next week, we had new paperwork from them asserting new misclaims about missed payments. Each time I have spent hours on the phone trying to get to a helpful person at Chase, each time there was an apology, retraction, then resuming the problem. Now last week, we received 7 notices from them, each one negating the one before with new fabricated figures resulting from a single misplacement, then cascading to mortgage default. We believe that they are now XXXX bent to make us refinance our loan, as there is little interest money left in the loan at this late stage of the loan, and they have everything to gain by driving us off by pure computer harassment, which is what we have come to conclude from the massive psuedo-incompetence they portray. One of the recent notices even had another customers ' documents within our own. We have saved all this evidence. The original mistakes are easy to fix, if that is the goal, we don't believe that is their goal, rather a pernicious campaign to computer harass us into finding some kind of refinance.

We began this complaint a long time ago, but working with a perpetrator that has no intention of using " good faith '' is not a solution. That IS the problem, they are intentionally doing this because they fear no reprisal from agencies that we can make complaints with. Please renew our complaint from your office without insisting that we go back to ask them to stop harassing us. They will not stop unless facing punishment. 
Many thanks and Regards, XXXX XXXX XXXX and XXXX XXXX
XXXX is reporting closed account that does not belong to me with Santander. The account is under another persons name and should not be reported on my credit report. XXXX has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through XXXX  will not even allow me to dispute any incorrect information through there website or bring up credit report.
I mailed out a check in amount of {$240.00} to " XXXX XXXX '' for my church advertisement fee on the date of XX/XX/XXXX. In the morning of XX/XX/XXXX, I found out there was a transaction of that same check in amount of {$2200.00} and made out to a person 's name as XXXX XXXX XXXX XXXX and on the memo section it said XXXX XXXX '. Someone definitely altered my check by adding '2 ' in front of my original XXXX and squeezed in 'XXXX ' right in the little tiny space, and changed the payable and the memo. I went to my bank which is XXXX XXXX and made a claim to the Fraud department. The associate told me not to worry and they will investigate on this asap. So far they found out a person stole my check and altered and deposited to Wells Fargo bank. But finally after all that investigation, Wells Fargo sent me a letter saying they are not going to reimburse my money because I could not provide a copy of my check before it was altered. I don't use those checks that come with carbon copies. I don't make a photo copy before I send payments to my bills. All I have is the statement the " XXXX XXXX '' sent me and a note that I wrote on that saying " XX/XX/XXXX Ch # XXXX {$240.00} '' for my record. Both banks made huge mistakes. Now they are blaming on me. What should I do?
two issues that i have reached out to experian for and they have ignored and not resolved in over 6 months 1 ) they are reporting a negative account with XXXX XXXX credit card as closed with an outstanding balance. this account does not belong to me and was opened and used fraudulently, experian had removed this account as i have disputed it and had proper documentation and police reports and then i just checked my credit report an they have added this negative account back to my credit file. 

2 ) experian is reporting a best buy credit card i have as closed and the account is opened and has been opened. i have notified experian of this for over a year an sent documentation as well as had best buy call them to correctly update my account and they refuse to do so. this account is open and they are reporting is as closed and will not correct it.
First Credit Services XXXX  This company calls me multiple times a day and it's always a foreigner making the call which leads me to believe it's a scam even though the number is out of XXXX, TX.
Ruining my credit score! Received a letter in the mail from contract callers stating they are collecting on an account I'm not aware of. I contacted contract callers and spoke with supervisor XXXX XXXX out of XXXX office and he stated that their contract with this company they are collecting for has changed and they are not supposed to be reporting on my credit and they are working on removing all reported accounts by contract callers from thousand of people reports. He ensured me that it will go away as this is not allowed by them anymore. Also they reported to my credit that this is 5 months past due with their company when this is the first letter I received. They also did not give my time to respond before they slammed it on my report. To my surprise two days later they reported to another bureau and lowered that score as well. I want this removed from my credit file as stated by XXXX XXXX on his recorded line. Also they are reporting under two different names. One report says contract callers and the other say XXXX. This to me seems like fraud!!
I have bought {$16.00} and XXXX cents worth of merchandise from Kohls using Kohls charge on XX/XX/XXXX. As I did not get any statement for few days so I went online of XX/XX/XXXX and paid the balance on my account for same day as I learned in website that my due date is XX/XX/XXXX. But I do n't know if it was my or systems mistake that my payment got schedule for XX/XX/XXXX instead of XX/XX/XXXX same day. 

On XX/XX/XXXX I got a call from Kohls charge that I have XXXX dollars balance on my Kohl 's charge. I paid the balance and I learned that I have been reported 30 days delinquent. My complaint is that I did not get any notification that I am late or they did not get payment on time before reporting me late to bureau. I have an impeccable record of paying on time for last 10 years.
I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX XXXX has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.
I underwent Chapter XXXX Bankruptcy in XX/XX/XXXX. I keep getting notices and phone calls from Portfolio Recovery Associates , LLC regarding a dept that was discharged in XX/XX/XXXX. They have XXXX of my credit bureaus, XXXX reporting this as a collections account and my scores have been horrific in part due to this derogatory mark. I have called Portfolio Recovery Assoc multiple times of the past couple of years regarding this matter. My BK attorney has mailed them a letter regarding this. They wo n't stop notifying me, and they wo n't take the negative record off of my credit reporting agency listings. Please help .... 

Here is what shows up on their notices : My name : XXXX Seller : XXXX XXXX : XXXX 
Original Creditor : XXXX Creditor to Whom Debt is Owed : Portfolio Recovery Associates , LLC Account Number : XXXX Current Balance : {$360.00} This debt was previous to the bankruptcy, and shows account was opened in XX/XX/XXXX. However I believe it 's even older than that, it was bought from XXXX by XXXX in XX/XX/XXXX. Then I think Portfolio Recovery purchased the account in XX/XX/XXXX. Their information is incorrect, and they have done nothing to correct this and have this caused very negative results on my credit reports fr years. I am now keeping a squeaky clean payment record on any small credit amounts I 've now been offered and doing what I can to slowly build my scores after my chapter XXXX almost 5 years ago.
I deposited a check written in another name. Bank put a hold on the account for the funds and will not release them after the check has cleared through the bank. Bank has opened a savings acct and will not release funds unless the other party comes into a branch location and endorses the check, ( which has been already done ). Other party lives outside the state and I was simply cashing a CASHIERS CHECK for her since she didn't have a bank account herself. The check has not been reported lost, stolen, etc and the longest the bank can hold the funds is 30 days. It has been over that time and the fraud department advised me there is nothing that can done to release the hold on the account. I believe this is total discrimination and I need the funds to be released asap.
I was contacted by Wells fargo in XXXX 2015 about bringing my loan current. I had spoke to a counselor or supervisor and was told i made ~ {$1500.00} payment before XXXX XXXX 2015 i would be brought current. I made two separate payment of {$700.00} and was contacted by the same agent asking for another {$140.00} to be brought completely current. i made that payment as well and was advised i am completely current and would need to make regular payments beginning XXXX 2015. I continued making payments but on my bill it showed i was still delinquent and there had been other late charges applied to it. I contacted them several times about this to no avail. Then one time i was told this balance was carried from XXXX 2015. I have asked them repeatedly to listen to the calls from XXXX and XXXX to sort this out but they refuse to do so. instead they have been adding " other charges and fees '' to my bill and have brought the total amount due to over {$2000.00} and have adversely affected my credit.
I sent the following email to Navient and to the Department of Education. I 'm making everyone aware of the problem as it appears to me that Navient has been doing this now for quite some time with no resolution. I am filing a complaint and will do so with any other institutions needed as well as filing a lawsuit if need be. I have gone onto XXXX and XXXX and Navient is WRONGFULLY reporting my student loan debt as a negative hard inquiry to these agencies. You are also increasing the balance with interest! I am making the payments requested even after being put on an income plan and was told NO PAYMENTS for 20 years then the entire loan would be forgiven as long as the paperwork was filled out every 11 months. This is not the case and now it is negatively impacting my credit report as well even though every month you ask for a payment as well as charge interest on it meaning it continues to go up and never go down! I want someone to contact to me by email ONLY as it will be in writing. I am further investigating at this time what needs to be done. I expect a prompt response from someone in management at your company in regards to this matter.
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX Time ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.