WillisBack/dataset-financial-user-claim huggingface dataset:
The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Hello, we paid off our home with U.S. Bank, NA on XXXX/XXXX/2016. To date we have yet to receive a lien release on our property. I have had to contacted the bank at least 4-5 times regarding this matter, 3 weeks ago, I was informed the lien release was sent to XXXX County Recorders Office on XXXX/XXXX/2016 and bank has since received the recorded release back from XXXX County. After checking my property records at the XXXX County Recorders Office today, there is no lien release filed on our property. During the call 3 weeks ago, I was also informed they had mailed the recorded release to our home, their office is located in XXXX XXXX, TX and we live XXXX miles north of XXXX XXXX and should have received the item they supposedly mailed within 4-5 business days. My guess is that our lien release has not been processed and we have not been told the truth. U.S. Bank, NA did not have a problem of taking our $ XXXX, our hard earned money to pay off our loan, it was paid off with our savings, not with the loan being refinance. The loan was paid off 5 MONTHS AGO and I feel is it ridiculous that we have to make call after call, ask to speak to Supervisors just to get the paperwork off someone 's desk and to get the ball rolling to complete the lien release process. Unfortunately, at this point, my guess is that we have been mislead and our lien release has not been processed, even though we paid a fee to complete this process as part of the loan pay off amount!
I am attaching a copy of the request of investigation my wife and I sent to Equifax on XX/XX/XXXX. Over 60 days have passed, and they have not responded. They are supposed to respond within 30 days.
On  XXXX   XXXX ,    2017 I re ceived a letter fro m Citi Customer serv ice informing me of a statement credit of {$100.00} that would appear on my statement within  2 billi ng periods. I still have not received said credit. The credit, according to the letter is a result of an agreement between Citibank NA and certain of its subsidiaries and the Consumer Financial Protection Bureau, to customers who enrolled in Watch-Guard-Preferred.     On   XX/XX/XXXX  I call ed the number on the   X/XX/17  let ter (  XXXX  ). After giving them my information and being put on hold several times I was informed I would need to call another number (  XXXX  ) about this settlement. I called, again providing the same information, again being put on hold numerous times. I was told yet again by the customer service representative that they had no information on the refund that the letter was informing me of. They told me I would need to fax the letter to  XXXX .     O n  XX/XX/XXXX  I tried three time s to fax the letter to the number given to me. Each time the fax did not go through, the error codes said the line was either busy or there was no answer. I visited the FAQs page listed on t he letter ( www.Citi.com/RefundFAQ ) but th at listed the same phone number that was listed on the letter. The number I originally called.     I am  XXXX   years old, and t hink it is outrageous that I would be given the run around like this on a settlement that the CFP B told Citi they were r equired to refund. I am hoping you can help me bring resolution to this issue.
I have written and spoken with Equifax, XXXX, and Equifax several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, Equifax removed the bankrupcy but put it back on and XXXX and XXXX did n't budge has refused to budge and continues to report this on my file.
XXXX hired a retired wallstreet banker and attorney, along with XXXX, and a hand writing expert that determined XXXX did not receive a mortgage, but signed a fraudulently presented security. The Hand writing expert determined that a Corporate Assignment of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and no longer is notary. XXXX have been involved in litigation on this matter and have determined for last 8-9 years XXXX of XXXX has been practicing law from the bench a high misdemeanor. Also no 700 form or Judiciary Bond are on file as required for this Superior Court Judge. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX., AND XXXX, XXXX, AND XXXX. WERE all put into a government conservator-ship. This process was set up from the XXXX. and XXXX. Using XXXX ( XXXX ). and XXXX. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of RICO fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since 2004 has happened with the government knowledgeable since the fraudulent entities filed 15D forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then XXXX year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from XXXX.
I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX    and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. Aft er the 2nd attempt  my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
I have disputed the late payments XXXX, XXXX, XXXX & XXXX on this XXXX XXXX XXXX for months. XXXX and XXXXn have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
In XX/XX/2016 I entered into a contract to lease a new vehicle. I was informed by the finance Mgr at a meeting at the dealership that i would receive payment information from Kia finance in the mail. After several weeks of not hearing anything i returned to the Dealership and asked the Finance Mgr about the lack of info on the lease payments. His response was " do n't worry they will send the info ''. after several more weeks i again returned to the dealership and again inquired about the lack of info on the payments. Again i was told by the Mgr that sometimes it takes awhile and not to worry. 
A few weeks later I received a statement informing me that i was in arrears and they wanted two months payment and added a late charge of XXXX which they continue to do monthly I called the finance Co. ( XXXX ) and spoke with their Rep. I was informed that the charges were justified and i had to pay. When questioned about the lack of information necessary to make the payment they informed me that the dealership probably did n't submit the paperwork in a timely manor. 
From the day I received the first statement i have scheduled my bill pay service to pay the original amount of {$450.00} on the XXXX of the month which was and continues to be one day before being late. 
However, KIA finance company then takes my payment and applies it to what they consider a late payment making my payment short of the {$450.00} required and adding another late fee. 

I have made at least 4 calls to Kia Finance including speaking with supervisors to try to work this situation out only to be told to pay up. I have made every payment in a timely manor and will continue to do so.I have tried several calls to the dealership Finance Mgr and have been ignored and at this point do not know where to turn and am asking for your help in this matter
I opened it in XX/XX/2015. They had me paying unemployment insurance, but they didn't tell me that it was only good for 6 months. I was out of work for a year and they quit paying my bill after 6 months. I tried to reach out to the company to come up with a settlement agreement but can't catch them.
A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.
Resurgent ( aka LVNV XXXX has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with Resurgent ( aka LVNV ). I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. Resurgent ( aka LVNV ) buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that Resurgent ( aka LVNV ) needs to be thoroughly investigated for their illegal practices. If Resurgent ( aka LVNV ) decides to sell this account or transfer it to another XXXX of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit.
I have filed numerous complaints attempting to resolve this matter and XXXX from Harley Davidson Finiancial Service is calling me telling me she does not care about what was written to the government-cfpb. Harley responded We mailed a letter to the customer, which is also attached to this response. We explained that the dealership the customer complains of is an unaffiliated third party, and we do not have control over that dealership over matters outside our loan agreement. The customer indicated he is working on a resolution with the dealership, and we encouraged him to continue in that effort. We explained that the transaction he describes between the customer and the dealership does not impact the customer 's loan agreement with HDFS. We again explained our duty to report credit accurately, and that we can not change information we believe is correctly reported. We provided our toll free customer service phone number, and invited the customer to contact us with any additional questions he may have. AND I DID EXACTLY THAT. I called got a payoff letter, then worked it out with the dealer. Only for XXXX to nothing will be done on the deal now since the dealer is paying off the bike and not me. This makes no sense when I made it very clear in my last complaint what I would be doing.
Store Return XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2018 Transaction ID : XXXX XXXX XXXX 2018 Merchant Credit Hold for Review - XXXX XXXX XXXX XXXXXXXX PROCESSING - {$96.00} Why isnt the money available now? We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. 
Transaction ID : XXXX Why does it take a whole week for American Express to refund my money. Why do American Express have to review a refund that takes 7 days. It is now day 5 and it is inconsiderate and wrong for American Express to just hold my funds when I have bills to pay. American Express policies are erroneous and does not benefit us customers, but instead add more stress and mistrust in American Express.
Filed ChXXXX bankruptcy in XX/XX/XXXX, included was XXXX XXXX XXXX XXXX XXXX XXXX, KY. My ChXXXX was completed and the federal court discharged the bankruptcy in XX/XX/XXXX. Over the last two years since the discharge, XXXX XXXX XXXX has continue to disobey federal bankruptcy laws and continue to change information at the their bank without my knowing to report to the credit bureau showing that the bank was n't included in the bankruptcy or to change dates, amounts and terms to hinder my credit. They have currently reported ( XX/XX/XXXX ) to credit bureau a new duplicate account showing that the original account is active since the actual discharge date of the bankruptcy I 've talked to many employees at the bank over the years, I 've even hand delivered bankruptcy papers and talked to mangers at the bank but they continue to report false information to the credit bureau. This is a horrible situation that me and my family are dealing with, we cant get a home loan due to XXXX XXXX XXXX  reporting false information. I 'm worrying myself XXXX over this and even had to see a doctor about my XXXX. I hope that you all can help me and my family. Thank you.
TransUnion has placed a security freeze / fraud alert on my credit file without my express written or verbal authorization. Which has hendered my ability to be approved for credit, receive credit line increases, etc.
Ive recently discovered 2 Cashier Checks dated XXXX  purchased from XXXX XXXX XXXX which is now WELLS FARGO BANK. 
After purchase, I travelled overseas on assignment, as I travelled extensively as a XXXX XXXX. 
Once I established this fact, I tried cashing said Cashier Checks and was told they were too old and must call the State Treasurer or call Customer Service. 
Customer Service, XXXX, in Idaho, assured me there was no problem because said checks were OFFICIAL CHECKS and had NO EXPIRATION date and directed me to go to WELLS FARGOs main Branch on XXXX XXXX XXXX. Washington, DC, and attempted to secure an appointment for me with the Branch Manager to make it easier and faster, but XXXX XXXX was unable to set that up due to some Electronics problem. 
I went ahead to that Branch, only to be denied cashing said Checks due to their age as too old. 
I called WELLS FARGO Customer Service again, and again they were dumbfounded as to why their Branch/Branches were not honoring such checks. 
Then I was given a phone Number to call in order to be reissued a REPLACEMENT CASHIER CHECKS, but the Phone Number provided by WELLS FARGO reached XXXX XXXX? 

Thus, I file this complaint in the hope of recovering my money.
I obtained my credit report and discovered multiple errors. I send a letter to TransUnion stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017 and it was signed for on XX/XX/2017. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for a few days later, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and was yet again met with the same response. I called Transunion and asked to speak to a supervisor to dispute the matter. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I want all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Transunion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
I bought a new car XX/XX/XXXX after the usual back and forth a deal was made where no down payment was to be made, I went to take care of the paperwork with the finance manager, on the paperwork was listed {$500.00} down payment I was ready to get up and walk away from tthe deal but the finance manager assured me no money was required from me that it was on the paperwork for the finance company only. I was n't sure this was proper But the finance managers exact words were am I asking you for any money? And further he said no is asking you for any money now. Now I have worked as a car salesman before and know if money is to be payed at a later date a promissory note must be signed. Since I was not a asked to sign one I thought it was ok. On the Monday after the sale the salesman calls me to ask where 's my down payment I advised I signed no promissory note and was told I was not going to have to pay it. After that I heard nothing until this collection letter came. They are trying to pull a fast one on me and will not get away with it. I will file a lawsuit against XXXX and XXXX XXXX if this is n't stopped now.
I apply for a loan online through a online service. which I was pre-approved for OneMain Financial said that I was eligible for the loan and the loan amount I was asking for. they pulled my credit and asked me to come into office to complete my application and sign documents at that point I asked was I approved for the loan amount that I was asking for but I was told she needed to see papers first and for me to come in I declined and canceled the loan a couple of days later after realizing I took a big hit to my credit score and was unable to refinance through other companies because of the score I decided to go back to OneMain for more questions about the big hit on my credit score and to complete the application but was told that they needed to pull credit again I said I  needed to think about it a couple of days go by the lady calls me from OneMain Financial and asked me what did I decide again I told her the amount I was asking for and was it worth it for me to pull the credit again she told me that she couldn't tell me to pull it or not it was up to me so I told her how much I was asking for and she pulled the credit and told me that I was approved and to bring in some documents of proof of finances and a bank statement which I brought in to find out that I was not approved for the loan amount I was asking for and when I brought that up she just said do you want the loan for the lesser amount or not.
I have disputed the late payments on thisUS DEPT OF ED/XXXX XXXX account for months. XXXX  and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.