WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX Chase Card in XXXX DE has run my credit without permission. I have called Chase Card in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and asked to have these inquiries removed since they were never approved by myself. I called Chase Card back in XX/XX/XXXX, put a hold on my social security number, yet they still continue to run my credit. This needs to stop, they need to remove ALL the inquires from my credit reports, none of these inquiries were initiated by myself. Please remove ALL inquiries from ALL credit reports run by Chase Card. Obviously putting a hold on my social security number has done nothing to stop Chase Card from running my credit every few months.
Initially I applied for what would have been a     3rd Pr osper lo an, having paid off    XXXX     already in years past and having the  2nd    almost 50 % paid off. In other words, a good   history with h Prosper with  no late payments and a solid credit file.     I qualified for up to {$13000.00} and elected to borrow {$10000.00} at 17.9 % apr, with a shorter term.     I fulfilled all the requests for documentation. I supplied salary stubs,  my 2016    XXXX  , and  XXXX  from income received from my   XXXX   XXXX   that I recently started back up.     I received a call from a  Prosper loan specialist a nd was told that I could either not include the  XXXX  income because  Pros  per could n't in clude it for some odd reason. I was told I had to reapply and state I was  XXXX  in order to have BOTH sources of income considered. I then stated to forget the  XXXX  income as in past years I had qualified for $  10,000+ on  my  XXXX  income alone. The loan  specialist said it di d n't matter, either way I had to reapply. This made absolutely no sense.     I then received a message that my loan had been denied because  Prosper  " could not verify my income '' despite having current pay stubs,  2016     XXXX  and  2016     XXXX . This is an outright falsehood.     When I went to reapply as instructed I only qualified for $  XXXX  {$9500.00} and now the interest rate jumped to 22.35 % to 34.01 %, depending on the term.      Prosper did something similar on the very first loan I took out. Now that it 's happened a second time I see the scam. Prosper denies applicants a loan AFTER its pulled a hard inquiry, which drops the applicants  XXXX  score. It then offers an outrageous rate and uses the excuse of the applicants   XXXX   sco re, which its done damage to with the hard inquiry.     This is unethical and shoul d be illegal. Prosper was pe rfectly capable of verifying my income initially and the fact that it doubled the rate speaks to its lack of ethics and truth in lending.
I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban  kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the  XXXX ,  XXXX , and Transunion asking for documentation of validation associated with the bankruptcy.
To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that   the bankruptcy is in dispute.
The company XXXX XXXX XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be personal loans company under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or loan acquirement and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Someone stole and used my information as a co-signer and took out a student loan. I did not sign my name anywhere for this. It is identity theft and I never authorized myself to be a co-signer.
To whom it concerns, I had a credit card XXXX the balanced closed at {$1900.00} XXXX XXXX, XXXX .... Johnson Mark LLC. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from Johnson Mark LLC. this account was for my VA Benefits from my military XXXX. XXXX the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.
On  XXXX   XXXX ,    2015 I re ceived a call fro m Chase to verify  some activities on my account. I told the rep then that I have n't done anything in my account and did n't recognize any of the transactions from the particular account they were referring to. ( At the time I had  XXXX  accounts wit h Chase ).  So that 's when I realized that I had lost my debt card and also informed the rep of this as well. Not only were they able to gain access to my online banking but also made changes on my account. On this same date  XXXX  check deposits were made for {$740.00} and {$760.00}, then on  XXXX   XXXX ,  2015   XXXX  more check deposits were made of {$740.00} and {$740.00}. Which were desposited via ATM in  XXXX , IL, I live in  XXXX   XXXX , NJ. They were some construction company checks that I 've never heard of.     In my account at that time was my rent amount of {$1500.00}, which was taken out via ATM withdrawal on  XXXX   XXXX ,    2015. On ce these checks were in the account they withdrew the monies as money orders for those same amounts listed above. I went back and forth with Chase for almost a week signing documents, questionnaires and dealing with some supervisors over the phone with nothing to be accomplished.     Even until after the holidays I was n't able to get this matter resolved until they finally decided that they were going to close all of my accounts with Chase and not be refunded {$1500.00} the monies that was withdrawn from my account at the time the whole fraud case began. But they are also penalizing me for monies owed to them in the amount of {$2300.00}. And wo n't be able to do business with them for the next 7 years
I recently file a dispute with a collection agencies Experian claim that they removed the account from my credit file they failed to send me a updated copy of a credit report. I have the right per the FCRA LAWS TO RECIEVE THAT COPY FOR MY RECORDS AND SLICK AND DISHONEST IS I WOULD LIKE A UPDATED COPY OF MY REPORT ALSO NOTIFICATION THAT THE ACCOUNT WAS DELETED FOR MY RECORD
I received a prepaid reward American Express credit card by purchasing fuel for aircraft that I flew. In XXXX 2016 we loaded the card with what are called " XXXX XXXX '' bringing the total amount loaded to {$930.00}. The card is offered by XXXX XXXX which is a fixed base operation throughout the United States. 

Since I had not received a new card, I thought perhaps it was lost in the mail. Concerned I checked the website and saw that the balance was still on the card. I began calling American Express to let them know that I had not received an updated card and after finally getting through, the American Express representative told me that since the card was expired I could not get a new card and I would have to forfeit my funds. 

It was apparent that the rep did not have knowledge of how this particular card works so I explained that the funds do not expire and that we can continue to load money onto the cards whenever we receive XXXX XXXX. 

The rep told me I was not entitled to the funds on my cards and for me to check the terms and conditions. His answer was without a doubt, ludicrous as I, as well as my wife and many other pilots, have had multiple AE cards in the past from purchasing fuel from XXXX XXXX and never had a problem. 

I checked AE 's Rules, Regulations and Disclaimers and there is nothing stated that the cardholder forfeit funds that were loaded onto the card. Additionally, the card clearly states that the funds do not expire. See attached documentation.
Experian will not delete a collection account that does not belong to me. I have disputed this item 4 times but nothing has happened I have asked for validation of this item with no cooperation in the matter. The account listed in collection is XXXX. The original creditor no longer owns the property so they refuse to help the collection agency is not responding to the request to validate this debt. I've sent paperwork from the court that proves this item is not mine which has been forwarded to experian for deletion
Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) XXXX XXXX who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names Cooling and Winters. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a XXXX XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that XXXX XXXX never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me XXXX XXXX contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay XXXX XXXX and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.
So I owe about XXXX in federal loans I have been off of work for over 2 years got pregnant and was placed on bed rest because I carry my babies pretty low. Then I called Niviant witch is the company that handles my loan to get on an agreement but thay only offered me one way out and that was to pay {$590.00} for a year and reapply for the same program every year because im out of work I dont have {$590.00} to pay them I asked if there was any other option but unfortunately thay couldnt help me any further so now im place on default. Ive been calling different places to get some answers my school ( XXXX ) closed down due to fraud and I thought my student loans could be forgiving but because my school closed after I graduated I didnt qualify for forgiveness either. Im out of options is there anyway I can get some type of help for people struggling on paying there loans? Thank you so much for your time. 
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I deposited a check for {$950.00} through the mobile pnc app on X/XX/17. The following monday I received a notice of a hold on my deposit and I spoke to the teller at PNC and was assured that after 5 buisness my check will be cleared. My check was cleared on Saturday X/XX/17. The following there was another hold on placed on my funds and has not been lifted since.
The case no # XXXX-XXXX, I was not happy how things were handled with this case. It is amazing how one company can't call another to correct a billing problem.

The customer has to suffer and have headaches and have stomach problems. Best Buys and Citi Bank and XXXX XXXX can make a easy phone call to one another. When the customer has to get up and drive to the store and find some one to help her out and get this in writing on her own and spend money for a fax. I feel this is a tactic to keeping getting money from the customer. Yet, it was solved by me the customer, I doubt if I ever use geek squad or Best Buy again. Citi Bank I feel also play games.
XXXX   XXXX   XXXX     - I received an unsolicited credit card in the name of my company from   XXXX   XXXX   with a credit limit of {$150000.00}. In addition, no credit terms were included with the card, which violate s TILA.
In XXXX 2014 I obtained a reverse mortgage on my home with AAG. I am attaching various items of correspondence detailing the exact nature of my complaint, as my daughter prepared a very comprehensive letter that specifically explains the issues in the proper chronological order. I believe that AAG may have deliberately pressured me into entering into a mortgage with a Repair Rider ( which I expressly objected to several times prior to settlement ), and then provided advice and assistance intended to steer me toward default. The agent I worked with to initiate the loan advised me repeatedly after settlement that commencement of repairs was unnecessary as he had alternative loan products that would be available to me after my new loan had been in place for six months. When the time came to move forward on those assurances, he disappeared with no further contact being possible. I then obtained an extension from AAG and explained that extreme weather conditions were preventing contractors from scheduling my repairs until after XXXX XXXX. An extension was granted until XXXX XXXX ; as I feared, circumstances beyond my control resulted in the need for another extension. I contacted AAG and was told to submit my request in writing, which I immediately did. When I called back to check the status of my request I was told by the supervisor of the Reverse Mortgage Servicing Department that she did not submit it to HUD for a decision. Her response to my questioning of this was that she did n't need to do so because she knew they would deny it. I feel this company quite deliberately acted in a manner intended to lead to my breaking the terms of the settlement contract, resulting in default on the mortgage.
Fifth-Third Securities Brokerage Account XXXX, Ohio XXXX XXXX Investment executive, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. OhioXXXX XXXX XX/XX/XXXX Deposited in CD XXXX. Contained a basket of 10 stocks issued thru XXXX XXXX XXXX. To receive annual payment based on the average performance of 10 stocks. Listed below 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 ( acquired by XXXX XXXX ). Never received explanation of fees or stock performance. We have received no payout or an explanation of why no payout. A market transaction fee of 4 % 3 % 2 % and 1 % have been applied. This investment has resulted in XXXX return ( not 1 Dollar ) in over 5 years. We have called XXXX XXXX and we have received no satisfaction, except inXX/XX/XXXX we may get our XXXX  dollars returned. There has been a bull stock market for the duration of this CD. A total misrepresentation by 5/3th bank
I am a victim of identity theft and credit card fraud. The account from XXXX XXXX for {$1200.00} back in 2008 was not opened by me. Also, the account with MIDLAND FUNDING MIDLAND CREDIT MANAGEMENT INC for XXXX in the amount of {$2200.00} was confirmed by the creditor that they closed this account, no longer collecting ( pls see attached letter ) and notified XXXX, XXXX and XXXX to DELETE this account on my credit report. It has been 3 months since then and it is still in my credit report. I want it DELETED.
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
In XXXX of 2016, Student Loan Care , LLC, contacted me via phone and claimed to have a relationship with the Department of Education and that they would take over my loans with XXXX XXXX XXXX and that I would pay them. XXXX XXXX and XXXX XXXX misinformed and misconstrued the nature of what Student Loan Care , LLC actually was. They said they could lower my payment, they would consolidate my loans, and have them forgiven. They never once stated that they simply were a paid paper filer doing a job that I was already doing for free. I was completely taken advantage of from the representatives, XXXX XXXX and XXXX XXXX, and told out right lies. For the past year, I was told I was making payments towards my student loan, not towards a service to have Student Loan Care , LLC submit papers for me at the cost of {$1400.00}. Student Loan Care , LLC is a scam and is taking advantage of students with extreme student loan debt who are seeking relief. They have messed up my loans with XXXX XXXX XXXX and have fraudulently collected money from me via their partnership with XXXX XXXX. I am contacting my bank and reporting fraud, contacting the attorney state general, and the credit bureaus about wrongfully and deceivingly taking my information.
This is a secured debt of a mortgage company that agreed to receive deed in lieu of my outstanding balance but they continue to list this debt on my credit report and negatively affects me to borrow money.
I submitted a complaint to Experian, XXXX and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/XXXX and I also faxed it on XX/XX/XXXX. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
XXXX XXXX wrongly reported to XXXX XXXX sale of vehicle XXXX, same year my hubby XXXX XXXX ... Having Asked both XXXX & equifx to remove from hard inquiry % acct as My son was to purchase for me but before any papers were signed, As we sat there, I called him to relate fees, finding he could not help me trade in my 15 yr ole ' XXXX XXXX XXXX So NO papers were signed. Papers were wronlly sent to XXXX. 
When Contacting XXXX in XXXX, they say they have no acct # yet they do not cancel here in my XXXX acct. last wk, reporting again to XXXX XXXX, both are off my XXXX acct. but not eXXXX.etc.. I pray I may be able to get a small loan to purchase a new home when I find the right one. & trade in my now 17 yr ole ' van..I Thank You. 

What I owe now & diligently paying on is for having improved a home I was lied to about condition on purchase, Because of seriously repairing & $ conditions, my ins. co dropped me, credit was damaged etc. & & i am still paying for w/my good XXXX Have Up graded & Sold that unloved house & purchased a lesser value home..Please help clear my good name.
Name wrong on loan I noticed recently my name was wrong on my loan, I contacted bbva and was told to email in a copy of my id and proof of social. I sent my license and XXXX in. A XXXX is a legal representation of social. I was told I need to send in the card. I washed my and I am not going to make a special trip, I live in XXXX ga, to fix something that is not my mistake. Gas is expensive. BBVA is refusing to correct a document legally binding me to a loan which represents an incorrect name, they were argumentative, combative, and not accommodating on the phone. I was lied to repeatedly and the representative and she refused comply with any of my requests.
Bank of America refuses to deliver credit card statements, alerts, and other communications to my valid email address. I am being denied credit card security and convenience features that their other customers get. My email address is on a domain that is hosted in the XXXX on a XXXX XXXX business Internet connection with a static XXXX address. It has been in existence for more than a dozen years and enjoys a sterling reputation, not appearing on any blacklists for malware, spam, hacking, etc. 

I had previously opened a case about this and there was no resolution. I sent a letter via XXXX mail in XXXX of 2014 ( enclosed ) to their published mailing address. I did not receive a reply of any kind.
I have a diesel VW that is part of the VW Buyback settlement. I have an appointment at VW  on   XXXX   XXXX   to turn in  the vehicle and receive the buyback for early lease termination. VW  of America-  XXXX  My monthly lease payment is due on   XXXX   XXXX    (  3 days before I 'm turning in the car ), and I called VW credit to ask for a grace period, explaining that I have the appointment ( and can not get one sooner ), but they will not waive the payment. VW  XXXX   XXXX  I do not think it 's fair to have to pay for a month if I only have the car for 3 days during that payment period.     The  VW   XXXX   XXXX   XXXX   XXXX  says that I " MAY '' get a refund from VW Credit, but nobody can guarantee anything.
Portfolio Recovery Associates is attempting to collect a debt that has been settled with them in XXXX 2015. Please see attachments.