WillisBack/dataset-financial-user-claim huggingface dataset:
I keep receiving unauthorized hard inquiries on my credit report from XXXX XXXX XXXX. When I XXXX the company it says that it 's a Car Dealership in XXXX XXXX MD.
First issue I do not live in XXXX MD.
Second Issue I have not been to any car dealership looking or shopping for a car and have definitely not authorized anyone or company to check my credit especially since recently I 've been working extremely hard to improve my credit.
Third Issue I have no idea who they are and from researching my credit report I have found out that this is not their first time they have pulled my credit without my authorized permission.
I believe that something extremely suspicious is going on with this company. I mean why is a car dealership pulling my credit and on multiple occasions actually around the same time last year. The way it 's happening I do n't believe that it 's identify theft I believe that someone is illegally using their credit pulling privileges to obtain my credit report.
Dealerships are not allowed to view a customer 's credit reports until that customer specifically asks for credit terms, I can actually testify that I have never done this.
My credit score dropped XXXX points from this inquiry after all of my hard work of re-establishing my credit I was extremely devastated and now determined to get down to the bottom of this.
On XX/XX/XXXX &XX/XX/XXXX, I received unauthorized hard inquires on my credit report causing my score to drop.
I believe that this is illegal and if this issue is not resolved I will be seeking legal counsel to go about properly getting it resolved.
I continuously tried to contact Equifax about this situation but they continously say that it 's nothing that they can do.
I had an account with XXXX that went to collections. The amount was {$200.00}. I did end up paying the total balance off. Yet it still shows on my credit score as not paid for. Ive called them 3 times and have asked to give me a letter of deletion but they wont.
Excessive contacts daily, including calling references regarding my account. 
Threatened to repossess my vehicle.
I called Convergent Outsourcing INC ( XXXX XXXX XXXX XXXX XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to XXXX different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was Diversified Consultants IN ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX 's and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!
OnXX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact  you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below.

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
Transunion is violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). They failed to notify me of the reinsertion of XXXX in writing within 5 business days. This account was removed several months ago from my credit report after I disputed it. I noticed that transunion just added it back on my credit report and refuse to remove it. This is a very serious violation of the FCRA.
I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Experian and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Chase Bank refuses to stop flooding our business mail box with unwanted, non-recyclable paper junk mail. This is despite several written request to stop for the past 2 years, and even filing a complaint with the XXXX in New York XXXX. The mail is addressed generically to " Our Neighbor ''. 

Chase Bank claims on their web site how " green '' and environmentally friendly they are. What a joke! Just another hypocritical big bank that floods the XXXX with unwanted junk mail while their management makes off with millions. " Green '' - Yeah Right!
I was contacted by my mortgage company ( Freedom Mortgage ) about refinancing. It sounded too good to be true since they said it would not cost anything. I verified that the company was legitimate and decided to pursue on XXXX XXXX 2016. I have a few rental properties and the loan officer asked some questions and he incorrectly filled out an application for me. I told him that there was missing information and he stated " you already have a loan with us and you qualify only on your income so it should be fine ''. Well once it got to underwriting, they have been slowly asking me for information for a complete financial snapshot which I understand. It is now XXXX XXXX and I have no idea when the refinance will be completed. They are apparently still missing some information that could have been requested at the time I initially provided all of my information. To top it off, the most recent loan documents that they sent me have changed the terms of the loan. It seems like a bait and switch.
I rented an apartment with XXXX  on XXXX in XXXX XXXX XXXX, TX. At the time I think it was managed by XXXX. My lease was to end in XX/XX/XXXX. Around XX/XX/XXXX I was late on my rent and notified the office. They agreed to the arrangement. When I went into the office to pay on the assigned day the office notified me that they would not bring accepting my payment so an eviction was filed. We went to court around XX/XX/XXXX and everything was explained to the judge but to no avail the judge sided with the landlord. I was evicted. My problem is after move out the 3rd party collection agency is reporting that I owed the landlord XXXX which is impossible. This apartment complex is a total ripoff which have been through 3 or more management agencies in the last 3 years. They prey on ruining tenants rental history. The 3rd party collection company is NCC BUSINESS SERVICES. I am requesting that both companies be investigated.
Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit.
My mother was diagnosed with a XXXX XXXX. She owned a home and until she became sick, she paid on time every month. She had to be placed in a XXXX but had intentions of returning to the home. I, her son, contacted Wells Fargo who holds the mortgage to tell them the circumstances and got in touch with their home preservation department, specifically, agent XXXX XXXX. For over a year I submitted all the documentation they required, made phone call after phone call and was told the loan mod was approved. I was to wait to receive paperwork and sign the papers with a local notary. This process went on for a year and half. I would call, and I have the vast majority of these calls recorded. During the final steps of the loan mod, after a year and a half, my mom passed away. I immediately called wells fargo to see what we ndo now. I had a transfer upon death deed made to me by my mom. I sent all the information to wells fargo. Wells fargo refused to talk to me from that point on saying I was not authorized, even though I was authorized for a year and a half. I happen to look online and as of 4 days ago, wells fargo submitted a petition of foreclosure through the court. I have asked Wells Fargo for over a yaer and half who to pay, how much to pay, when to pay and was told hold off, hold off. Now the home is in foreclosure???
I have been receiving numerous collection calls on my Business phone for individuals not associated to me or my business. I have spoken to representatives and explained that this is a business number and that the people they are looking for are not associated with this number. This has not stopped the calls. I have received close to 100 calls over the last month. Some calls come within minutes of each other. the last time I spoke with a representative on Friday I told them I would file a complaint with the FTC and Attorney General of my State if the calls continued which they did over the weekend and again this morning. This is what I am now doing. I am attaching a copy of my phone statement indicating the numerous nature of the calls.
I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I XXXX the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.
On XX/XX/XXXX I paid {$1500.00} to my Regions Visa credit card through my Regions online banking account. The " deliver by date '' was XX/XX/XXXX. A minimum of {$40.00} was n't due until XX/XX/XXXX. My payment of {$1500.00} was withdrawn from my Regions checking account on XX/XX/XXXX. A week later, I received a paper statement claiming that they did n't receive payment until the XX/XX/XXXX. I called my Regions credit card with proof of timely payment. They apologized and removed their faulty fees. 
The following month, an almost identical situation occurred, only much worse. Not only wo n't they remove faulty fees, but are also attempting to charge interest for previous month 's balance which had been paid in full before the due date. I produced the proof of payment withdrawn from checking account along with confirmation number.
On XXXX XXXX, 2015, I received an alert notification from XXXX XXXX XXXX XXXX. The alert involved Bank of America reporting the following to XXXX, XXXX, and XXXX that following information respectively : Foreclosure initiated ; Foreclosure proceeding started.|Foreclosure proceeding started ; and XXXX account|Foreclosure process started. Bank of America through XXXX , XXXX XXXX XXXX, XXXX and the XXXX XXXX, XXXX initiated a foreclosure process in the Circuit Court for XXXX County, Maryland. Notices of such were sent to me and XXXX XXXX XXXX. Thereafter, a Foreclosure Mediation was scheduled in XXXX 2015 and BOA nor its representatives appeared at the mediation. Therefore, the Circuit Court dismissed the action. Since that time, no other foreclosure notice has been issued and once again, BOA has taken the low road to slander my and XXXX XXXX 's credit by reporting false and malicious information. I seek to have this information removed from both accounts.
I paid 6 debts to amcol systems they refuse to report to the credit bureau that they are aid they want to wait 90 days and wo n't send me a receipt showing I paid them for 90 days each time I call they are very rude and argue with me and tell me it 's my problem and I will just ha e to wait
Mountainland Collection is reporting 2 accounts on my credit report and I never received a notice. The min I saw it on my credit report I contacted them and took care of it. 
This bill was already paid by my insurance and should have never went to collection in the first place. If I had got a notice I would have took care of it immediately.
I have an Amazon credit card thru Chase bank and when I log onto their website and try to make a payment I can see my list of payment sources and different amounts to pay on the card but the system does n't allow me to make a selection of either. it clearly is n't working and when I called to speak with an agent he told me the reason I ca n't make a payment is because I have not verified something about my account that was sent by email. That 's total non-sense. The website is non-functioning, Period
Equifax has 3 Hard Inquiries on my credit report that I did not authorize.

1. ) XXXX ( Misc. ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Financing ) ( XX/XX/XXXX ) 3. ) XXXX XXXX ( Automobile Dealers, Old ) ( XX/XX/XXXX )
Coastline and Associates called me on my work phone to tell me they are going to serve because I am being sue for a credit card I owe back in 2007. The guy was mean, rude and threatening to garnish 25 % of my pay. Their number is XXXX. I was upset that they were threatening to come to my work let alone call my work phone. I told the gentleman I have to look into it. He got upset saying I need to pay the amount now or they will start working on garnishing my wage. This is not legal by any means. So I hung up on him. He then proceed to call me 5 times from an unknown number. Please help me stop them from harassing me at work. This is not right.
My student loans are wi th Nelnet. When I sign into my account, I can not get any information regarding the term of the loan or how many payments I have left. The only payment details offered are " as of 2014 '', but do not give any term or number of payments left. I chatted with 2 separate representatives and they said that information was not available to me. I said I  find it hard to believe that a payor is not entitled to that basic information and they just maintained it is not. This can not be legal. All I want is some documentation as to the term of my loan and how many payments are left.
In XX/XX/XXXX I settled a charge off with American Express. Amex agrees the account is settled and properly indicates the settlement in its report to XX/XX/XXXX. The account became delinquent in XX/XX/XXXX and XX/XX/XXXX correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, AMEX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my XX/XX/XXXX consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with XX/XX/XXXX. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.
This debt has already been previously removed, but has been reinserted on my credit report with a new opened date and under another creditor.
A person named XXXX left a message on my mobile phone number which is on the Do Not Call Registry and also at my work voicemail. The voicemail said there was a file in their office for court proceedings and to contact XXXX. Before I had a chance to contact them, they called my work number again asking for my name and the payroll department which the call was transferred to me. I took the call and they only identified their name but not the company and started threatening me in regards to a debt with XXXX. I was surprised and asked the name of the company, but the individual would not let me speak and said there was a judgement and case file on their desk and they would garnish my wages. 

When I informed them of the FDCPA rules about not contacting me at work, to please cease calling my work number and mobile number and to send a written notice of validity of the debt, the person continued yelling stating I was being unreasonable and to expect a written court notice to garnish my wages and then they hung up on me. I called XXXX and found out the previous debt was sold to XXXX XXXX XXXX or XXXX XXXX and given the contact number of XXXX XXXX XXXX XXXX to call. I did call that number twice and kept getting voicemail. I finally left a message stating again to not contact me at my work number or mobile phone and to send written validity of proof for any debt owed. This company has called at least XXXX times in one day within a span of XXXX hour time frame and used threatening means.
RE : XXXX XXXX my accounts where set up to lose Money from the beginning there were never a sum in basic math of my checking accounts and all of my accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's fair and safe. I was losing money for XXXX years just in my checking. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a penny from my new accounts. This is XXXX of dollars over the years. I have had other accounts. A credit card which is called a revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for three years before the theft. There was also another were I signed for which I signed for a loan one of the largest accounts with Well Forgo paid it twice then learned it was a revolving account not what I asked for and or signed. Have all ready shown me a fraud letter with a signature that is not mine that is Identity Theft of XXXX of dollars.
I was a client of XXXX XXXX XXXX XXXX XXXX XXXX I believe this was over ten years ago, I requested a final bill and when it came I called to make sure all was paid, Now after all this time I am receiving XXXX statements from a company called XXXX XXXX XXXX XXXX not just for XXXX bill but XXXX, XXXX for {$310.00} and XXXX for {$180.00}. they have been noticed that these bills if they ever excessed have been paid, but they wont stop billing and reporting negatives on my credit report. when I requested the remove it from my credit report I was told to pay up and they would report it paid.
One Main Financial contacted my husband 's cell phone advising that they were trying to reach me for an important business matter. My husband, who when I signed my loan documents was only my boyfriend, is not associated with the loan or account at all. When I provided his phone number, it was under the pretense that he was a reference to validate the information I provided in order to obtain the loan. One Main Financial has called my cellphone 3 times a day, every day, leaving 1-2 voicemails a day to collect on a debt which is in direct violation of TCPA. They do not have permission to call my cell phone, or any known contact 's cell phone, to collect on a debt. They are falsely stating that they are calling my references in order to obtain a valid mailing address for me. I currently have my mail forwarded to my new house, so it is false that they do not have a valid address. They are in violation of FDCPA by calling me numerous times a day and leaving a voicemail each time. I have blocked their phone numbers ( four different ones ) and they now call blocking their number so that they can still get through to leave a voicemail. I would like to report them for their abusive tacticts, calling unauthorized parties about me, and for calling cell phone numbers without written consent. I verbally advised One Main Financial on XXXX XXXX, XXXX at XXXX that they do not have authorization to call mine or my husband 's cell phone and advised them of their regulatory violations. The woman raised her voice, spoke over me, and advised they will continue to call any number I provided including my references, regardless of the number being a cell phone.