WillisBack/dataset-financial-user-claim huggingface dataset:
TRANS UNION, XXXX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction.

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit. 
I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
We applied for a loan modification to prevent home foreclosure yet I was not assisted. I was informed that my home was to be auctioned tomorrow morning and the only choice I have is to file a bankruptcy. I 've never been disrespected and taken advantage of. I am very disappointed in OCWEN and XXXX.
I did not open this account. My ex wife opened it in my name. XXXX and XXXX have investigated and deleted the account however Equifax will not. This is causing me to not be able to get a mortgage
I had a business account with Bank of America. Business has been slow and I fell behind in credit card payments, but always tried to pay something. I was paying by transferring money online through my personal B of A account to the business account. B of A then took my business account down because it was delinquent WITHOUT TELLING ME. When they called and tried to get my credit card over the phone, I told them that I 'm not giving that info out and to please add the business account back to my online banking so that I can start making payments again. Over the past two months, I have emailed the CEO who forwarded me to a person named XXXX XXXX. I told them both I have been a 20 year customer and I always pay, but I ca n't pay if they do n't add my business account back to my online banking. XXXX XXXX said she would try, then got back to me a week later ( while I was accruing late fees I 'm sure ) and told me that the only way for me to pay is to do so over the phone. I emailed XXXX XXXX, the CEO again, and told him I want to pay but need to do so online. Then, they did a right to setoff, and took money out of my account to pay the late fees etc. If they had emailed me or sent a letter etc. telling me that they were taking the account offline I would have understood, but they never did and only called asking for a credit card over the phone. They are criminal and I think did it purposely to charge late fees. I have copies of my emails telling them that I 'm trying to pay but ca n't access the account online.
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and Experian the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Hi, Basically, I opened a credit card account with Bank of America. There was an offer when I opened the credit card. I needed to spend {$12000.00} in 6 months on the card to get the offer. I also paid a {$90.00} annual fee on the card. 

The card was closed without my consent by Bank of America. I called to inquire and did n't really get an answer why. This is conjecture, but I think they may have cancelled the account so that I would not receive the bonus and they 'd get to keep the annual fee. 

In the ~3 months the card was open, I spent about {$7000.00} on the card. I would definitely have spent the full {$12000.00} on the card within 6 months as I had some expenses coming up. 

When I spoke with a representative from BofA, he sent my concerns to another department. The other department said I was ineligible for any or all of the bonus because I did not meet the spending requirement. When pressed that I did n't have the entire length of time to meet the requirement, I basically got non-answers or a repetition that I did n't spend {$12000.00}. 

I believe this to be unfair. I believe that I did not have the opportunity to meet the remainder of the qualifications because they cancelled the card early. Additionally, I would have spent the {$7000.00} on a different card had I known that BofA would cancel the card before allowing me to meet the spend. I would completely understand if I was only eligible for a prorated amount of the bonus based on the spending completed ( and I offered this as a reasonable compromise ), but even that was denied. 

Additionally, I think the annual fee should be refunded. I paid for a year worth of benefits but was unable to use the benefits at all because the card was cancelled ( I would have used the benefits this winter ). Between not getting a bonus and not getting to use any benefits, I feel ripped off. 

Finally, I feel like I have made reasonable requests to the bank, whom I have been a long time customer with, which they have repeatedly denied. 

Thank you for your time.
WE HAVE SUBMITTED APPLICATION FOR MORTGAGE ASSISTANCE AND SUBMITTED EVERY DOCUMENT THAT IS REQUESTED FROM US HOWEVER WE CONTINUOUSLY GET REQUEST FOR PAY STUBS XXXX IS XXXX XXXX XXXX XXXX HE GETS DIRECT DEPOSIT OF HIS XXXX XXXX   INCOME WE HAVE WRITTEN A LETTER OF EXPLANATION AND PROVIDED A PROFIT AND LOSS STILL GET ASKED FOR PAY STUBS. THERE IS NO PAY STUBS I FEEL AVY EXTENSION # XXXX DOES NOT KNOW WHAT SHE IS LOOKING AT AND WOULD LIKE MY FILE TO BE REVIEWED BY ANOTHER PROCESSOR.
Honda finances company repossed my 2 new car 5 years ago, i got those two cars after trading my XXXX XXXX XXXX XX/XX/XXXX XXXX milage.payed XXXX XXXX dollar down payment.made payments for three year untill i defoulted late payments due to husband XXXX i had XXXX XXXX, i was still working and paying them, one day they called me at work for late payment due to nature of my work i could not carry converstaion with honda corporate office worker he said since they can not communicate with me they are going to repossed my cars i told them i did on line bank payment they should get it by tomorrow.next day they took both cars away and auctioned them in market for cheap price, and told me to pay them XXXX dollar more to them.ever since that day i have been called and harrassed by their company, they call me from different phone numbers and harrases me to pay them.plus doing negative reporting to my credit .i dont know what to do any more ...
CRA is in direct violation of Metro 2 compliance, FCRA section 609, and Michigan consumer protection laws.
I have several accounts with JP Morgan Chase. I received a notice on XXXX/XXXX/2015 that my mailing address was changed. I have been using my P O Box address for more than 10 years. In fact, I never requested to change my mailing address at all. Chase changed it without my approval and authorization and claimed that is " a protection to me '' which I totally disagreed. I called on XXXX/XXXX/15 and talked to XXXX ( supervisor of CA Banking ) and opened the case number under # XXXX. I needed to know who made such mailing address changed requested without my approval. That is the reason XXXX opened a ticket and someone would contact me. XXXX/XXXX/2015 a research support lady name XXXX XXXX at XXXX x XXXX called me. She is not helpful at all and claimed changing address from my mailing address to my residence address without my authorization is legal and is a protection to me. I totally disagreed. Customer has the right to use different address and bank shall respect the customer 's decision. I never request to change and someone changed for me and XXXX still claim that is legal and benefit to me and not feel nothing wrong for Chase 's overwrite at all. In addition, she kinds like a threaten to me by saying " Do you want to have a banking accounts with Chase? '' Sounds like if I do n't satisfy that changed address without authorization and I should cancel and close all my accounts with Chase. That is so ridiculous and unprofessional. I told her that I will file complaint to CFPB because that is totally unacceptable manner.
On XX/XX/XXXX, I called Wells Fargo to make payment arrangements on a credit card I had not paid at this time I was told I was in default with one of their affiliates and Wells Fargo did not want to work anything out with me a telephone transferred funds from 2 of my  accounts on XX/XX/XXXX without my permission, the amount that was transferred was more than enough to correct any default or late fees on the Credit Card. I was so angry at this time I closed all accounts I had with Wells Fargo and paid additional fees to close the accounts. When this money was removed from my account it caused me to default on other creditors and never to recover from this. The amount Transferred was XXXX plus late fees and overdraft fee totaling over 7000.00, This  was a personal attack on me. 

I asked what affiliate I defaulted with never got a answer the only other account beside Personal checking and Business checking account was HELOC and I never defaulted with that. 

I wrote a letter and called customer service in XX/XX/XXXX about the money that was removed and was informed again they had the right to offset the account. 

I was informed by the executive offices this year XX/XX/XXXX the account the money was transferred to was charged off in XX/XX/XXXX, I never received any notices about a charge off or a credit report that showed a Charge Off. 

I have been in contact with the executive offices on or about XX/XX/XXXX and the end result has been the same they had the right to offset.
A collection was added to my XXXX and XXXX  Credit report by " Trojan Professional Services '' a collection agency representing " XXXX XXXX XXXX XXXX '' The date of service that I went to this XXXX   was in XX/XX/XXXX. On XX/XX/XXXX a collection amount of {$1300.00} was added to my credit report. Prior to this I had not received anything from this XXXX   office to remit anything owed as I had private PPO XXXX  insurance that covered the cost in full. I have submitted supporting documents from XXXX XXXX XXXX XXXX insurance to both Credit Bureaus who subsequently forwarded the information to Trojan Professional Services.  The supporting documents show the date of service and a check number and amount of check that was submitted to pay the balance that Trojan Professional Services is claiming. I have disputed this same matter EIGHT ( 8 ) TIMES and TPS is refusing to remove this information from my credit report which is damaging my credit score.
I had a delinquent debt with XXXX. My account is now with LVNV, Resurgent, XXXX- these are all it 's name. My problem is not that I owe the money. My problem is that I do not have sufficient enough information to pay the bill online. I received a letter on XX/XX/XXXX. I called today to receive another letter in the mail to confirm that they still have my account. The CSR was polite and said they would send out another letter. The problem is that the CSR gave me another number for my account ID and another account number. I was told that these were the correct numbers. I went to the website to see about making a payment and the website tells me that these numbers are not valid. The account number and account ID numbers are not correct on the letter from XX/XX/XXXX either. I do not understand how I am supposed to pay this bill, when I can not access it online. I keep receiving incorrect information. The company has reported me as of XX/XX/XXXX. My credit score has taken a serious blow. It dropped from XXXX to XXXX. I really want to fix this problem and my credit score. Please help me or direct me to someone who can.
I have an unauthorized credit inquiry on my Equifax from XXXX XXXX XXXX XXXX dated XX/XX/2017 that I did not authorize.
This will follow my previous CFPB Complaint No. XXXX regarding XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX Lease Agreement No. XXXX. In that complaint I disputed XXXX predatory 60-Day lease renewal practices which cost me an additional {$10000.00} in leasing payments after the expiration of my 24 month agreement. XXXX finally after 6 years offered me a buyout for my XXXX XXXX in the amount of {$54.00} which I remitted and it cleared XXXX bank account on XX/XX/XXXX. 

I have attached a copy of the negotiated check for {$54.00} payment. Per XXXX Quote No. XXXX, the payment was not due until XX/XX/XXXX. XXXX responded to the first CFPB complaint on XX/XX/XXXX, several days after they had received my buyout payment and falsely stated they had not received the payment. XXXX generated another invoice for the month of XX/XX/XXXX for {$230.00}. It is obvious that XXXX misrepresented the payment and accounting history of my account on purpose just to generate additional billing or to attempt to renew my lease term for another 60 days to benefit their company.
This is connected to previous complaint submitted on XXXX XXXX, 2015, case # : XXXX. In the previous complaint, I stated XXXX XXXX claims that I owe him money on a debt. I do not owe him any money. After he was contacted XXXX, he sent me a letter stating he was attempting to make a collection on behalf of XXXX XXXX XXXX in XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX around XXXX XXXX, 2015 and inquired about any debt I may have owed them. XXXX XXXX XXXX performed what they called a " thorough check '' and did not find any thing that indicated that I owed them money ; that there was NOTHING NEGATIVE AT ALL on my account/record with the credit union. I was told by XXXX XXXX XXXX that they could only conclude that I was being scamed, as they had no connection with anyone named Dyke O'Neal. 

If this is true, why is this man contacting me? He is sending mail to me suggesting that he is willing to settle for a lesser amount to collect the debt in an effort to assist me. I have no intention of giving this man any money and would like to have assistance in getting him to leave me and my family alone. As I stated in the previous complaint, he has been calling my family members as well. 

Additionally, since I made the initial complaint, I have been gettig even more calls with a XXXX area code from Missouri. I get these calls all hours of the night and the day and they are coming over my cell phone which also has a XXXX area code from Missouri. I do not believe this is a coincidence.
I was contacted and informed by the debt collection company that a lawyer will be contacted and they will sue me for debt owed. Lvnv funding LLC {$640.00} XXXX XXXX 2017. <P/>They were removed from my credit report and placed back on there.
they run my credit without my permission capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Inquiry Type : Individual
Several years ago, I went through a divorce and had to sell my marital home through a short sell. At that time, I had a equity line of credit with SunTrust Bank. They refused to forgive the debt and negotiated with the buyer for me to assume {$16000.00} of debt to be re-paid over a ten year period. I have now reached an age and point in my career where I need to settle down and buy another home as I prepare for retirement. I made an offer of settlement and the bank will not return my calls or when they do, have lost my file.
I received a notice from synergetic communication inc on XXXX. It stated that XXXX XXXX XXXX was their client and was collecting a debt from XXXX XXXX XXXX. 
I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I Withdrew due to the lack of quality education I was receiving, and the expensive tuition charges that were raised significantly since I had enrolled with no legitimate charges. A few months later in XX/XX/XXXX, I learned of the probation of XXXX and upon further research I had learned out that they were suspected a fraud. 

Later, I am a class member of the current and previous investigations and due to an automatic student loan forgiveness and also class action award due to the fraud and litigation against XXXX XXXX XXXX, and XXXX for defrauding federal grant and loan programs and the agency that approved its accreditation. 

The debt was 13 years ago. I am eligible for borrowers defense regarding my loans which also happen to be with serviced with XXXX and fed loans which also are in litigation for fraud. 

This system is corrupt. I called XXXX last Monday to obtain any transcripts that they may still have available on my file before all campuses are permanently closed. I then received a letter from synergetic For a debt that I dont even own from a fraudulent campus from 13 years ago. 

Stop pursuing money as you already stole enough from me and the government. Not only should synergetic communications inc and any other collection agency be allowed to collect on fraudulent student loans, XXXX XXXX XXXX should be ashamed of themselves for going after decade old money for a product/service they did not provide!
Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.
Direct dispute was used through XXXX for Transunion. Multiple accounts were requested to be reviewed for accuracy. Specifically, XXXX XXXX XXXX combined 2 credit cards debt into 1 account. Transunion has not responded to the dispute request or responded to subsequent mailed requests for updates on XX/XX/XXXX, and XX/XX/XXXX. I tried the online option for the 3rd time today and the system is " having technical difficulties. '' At this point, Transunion is intentionally dodging my dispute.
XXXX XXXX XXXX XXXX  and its assigned credit collecting agency, Lloyd & McDaniel PLC, have done irrevocable damage to my credit, my livelihood, and my understanding of the credit system. XXXX XXXX, through its excessively aggressive collection techniques, and inability to comprehend that there is a fraudulent charge of {$20000.00} on this credit account, have refused to acknowledge that it is fraud, have attempted to collect on a debt that is not owed, that is under investigation by the Indiana Attorney General 's office and the Federal Trade Commission, and is currently being dealt with by our business insurance company. 

At present, XXXX XXXX continues to file lawsuits, aggressively, to collect on a balance that is not owed. Any balances that were owed by myself or my company have been completely rectified and I can not understand why this charade is continual. We have done everything in our power to avoid a countersuit, but it appears that this will be imminent as XXXX XXXX refuses to acknowledge my rights under the FDCPA and continues to collect on debt that is not owed to them and is subject to investigation by law enforcement authorities.
I recieved promotional checks from Chase XXXX to transfer balance at no interest until XXXX 2018. I used the check for approx XXXX. I recieved my first statement with purchases of XXXX plus the new promotional balance. I paid XXXX to cover the 3 % interest of the check and the bal of the purchases expecting the bal of that payment after applied to purchases to be applied to the promotional bal. To my surprise on the next statement I was billed interest of XXXX. Now it 's not the XXXX I am concerned of, but the princible of the interest charge itself on the purchases which I did cover. I called Chase and was told that I was charged interest because I did not pay off the entire balance of the purchases with the promotional balance. So in essence even though I paid off the complete balance of purchases with additional incuded to cover a portion of the promotional balance plus the initial interest fee of 3 % for the promotional check, they are still charging interest. As I understand and how I have expierenced this with other CC companies, if I pay my full purchase balance of that month, there should be no interest and the difference is always applied to the promotional balance. XXXX CC as example. I have a promtional balce running with them currently I feel this is fraud as the promotion advised no intererst, but then they are expecting you to pay the full balance at the month end regardless if it covers previous months purchases, otherwise pay interest on the purchases amount regardless if you pay enough to cover that amount. Totally mis leading and in my opinion FRAUD.
American Express agreement stated that I would receive XXXX membership reward points after XXXX in purchases in 92 days ( three months ). This was a promotional program. I have not received those points. I contacted American Express Customer Service regarding the points not being applied to my account. I have not received a resolution
For more than XXXX years, XXXX XXXX and its subsidiary, Portfolio Recovery Associates, have tried to wrongfully and unlawfully collect a number of alleged third-party debts from me. 

As a XXXX-party, bulk debt buyer and debt collector, XXXX XXXX and Portfolio Recovery Associates have knowingly and intentionally engaged in business practices that are in violation of state and federal law. 

In every effort to collect an alleged debt from me, XXXX XXXX and Portfolio Recovery Associates have made material misstatements of law and fact. 

XXXX XXXX has worked to collect an alleged XXXX account that continues to ignore the fact that the alleged, XXXX-party debt is barred by the statute of limitations. 

XXXX XXXX wrongful and unlawful statements, practices and acts have caused personal, professional and financial harm to me. 

In 2015, XXXX XXXX continues to ignore the law and settlement agreements. 

Shame on XXXX XXXX, its executive team and its shareholders.
My complaint is against XXXX 's XXXX XXXX. This company is reporting that I have an alleged debt of {$230.00} owed to them. I have have spoken to them several times on the phone and sent them letters. My conversations that I have had date back to XXXX. I spoke with individuals in their collections department. I recently sent XXXX different letters requesting documentation. My first letter this year was in XXXX XXXX and the second was XXXX XXXX, XXXX. My verbal conversations and my letters are all based on the same premise. I want an audited statement of my account that validate that I owe {$230.00}, as they have reported to my credit reports. I want to see how they came to this. The account XXXX should have a history of payments from its conception. I want that history of payments. I have NOT in any way received anything that I requested. Instead, they responded to my XXXX letter by telling me that my attempt frivolous and not sending me any of the documentation that I requested. Frivolous, I do not not see how that is so. I have a right to see these documents if XXXX 's says that I owe this debt. Their response to my XXXX letter was a vague letter requesting that I send a form if I feel that my identity has been compromised. THIS was not in any way a response to the letter sent. I have been left dumbfound by this company. They will not do as I ask AT ALL and I have the RIGHT to the information that I have requested. On XXXX XXXX, XXXX I got a notification from the credit bureau that a new XXXX XXXX has been launched by XXXX 's. I have no idea what that is nor do I think they have the right to put something like that on my credit report without ANY advanced notification. I feel violated by this company. Where are my rights? They are functioning as though I do not have any. These violations constitute as my complaint.