WillisBack/dataset-financial-user-claim huggingface dataset:
There are multiple credit inquires without my knowledge Us Bank XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
" To receive the {$300.00} bonus, you must open a new Bank of America Core Checking account and set up and receive XXXX Qualifying Direct Deposits of {$2000.00} or more each to your new personal checking account within 90 days from account opening. " I received the ad in mail from Bank of America. Because of the attractive bonus, I opened a new checking account and then transfer my salary to it. 3 months later, I did not get any bonus as they committed at beginning. I called their customer service hotline, contacted the teller who set up the new account and resubmitted the relating documents to one of BOA branches. Nobody can tell me exactly what 's the " qualified deposit '' is. My company paid me every two weeks, the bi-weekly income is less than {$2000.00}, but the " qualified deposit '' they required is monthly income .... I believe it 's a big trap for consumers. I wasted too much time to call their customer service, and they kept transfer my call to another person, and they asked the same questions about your account information, your name, birthday, social security number, when you tried to get the solution, they said they are going to transfer you to the right department, and you never know where is the right department. 
Bank of America is a lier! I wo n't trust them any more. Do n't trust their promotions, they are professional liers who are ready to trap you all the time.
Today, XX/XX/2018, I contacted Experian about report number XXXX. I spoked with a XXXX, who then transferred me to an account specialist named XXXX out of the XXXX, TX office, with team ID : XXXX. Not only was XXXX very rude, but she refused to delete incorrect information reporting to Experian. My last name has been legally changed and I asked XXXX to remove the incorrect versions of my name, XXXX and XXXX, as well as the other versions of my name that wasn't incomplete, since she couldn't add my new last name, XXXX, to my credit file. XXXX refused to delete the various variations of my former name. I then told XXXX that there should only be about ten addresses on my credit report, but for some reason, there are over 60. I told XXXX that most of the addresses belonged to family members, as I am an XXXX XXXX, as well as to my mother. 

The addresses that are not valid and should be REMOVED are : XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
This company keeps contacting me about a debt that is not mine. The company, Portfolio Recovery Associates LLC, purchased the debt from a bank, XXXX XXXX. Years ago ( XXXX or XXXX ) the bank contacted me about this debt, and at the time, I had to fill out all kinds of paperwork. The verdict at that time was that identity theft had occurred. The debt is not in my name. 

On XXXX XXXX, XXXX, I wrote a letter explaining all this to Portfolio Recovery Associates LLC. I specifically told them that they had a problem with XXXX XXXX, not with me, if they had purchased debt from XXXX XXXX that stemmed from identify theft. 

They keep sending letters and attempting to solicit my personal information, including my social security number and birthdate. 

I am attaching to this complaint ( if I can ) a pdf of the XXXX XXXX, XXXX letter I have already written these people. 

They need to stop contacting me about this debt that is not mine.
I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX  & XXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.
I am writing to complain about a penalty charge of {$89.00} put on my sole current account at US bank. 
On the morning of XXXX/XXXX/2016, I checked my account which showed a balance of negative {$20.00}, while in the process going to the bank to deposit the {$20.00}, I was told that my account was actually negative {$89.00}. I attempted to call customer service for assistance, but was scolded about what : my job '' is as a customer. There was no valid explanation about why the account showed XXXX different balances, within hours apart. I am requesting assistance from the Federal Reserve Consumer for help. bill. transaction. I do not understand this as I was not overdrawn on my account at that time.
I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
I pulled a copy of my XXXX Credit report and found a listing from this company as collection item for {$770.00}, original creditor XXXX. I already paid a debt to this company for {$160.00} paying off a collection account. This {$770.00} debt is not mine, I have never received any statement from the original creditor or Gold Key credit. This violates federal law.
XX/XX/XXXX I ordered a IPAD online with my BestBuy.com using my BestBuy credit card. The day after I ordered it I was contacted by BestBuy and advised the IPAD was on backorder and may not be available before XXXX. Because it was for a XXXX gift I told them to cancel the order. When I received my BestBuy statement in XX/XX/XXXX there was a charge for {$29.00} for IPAD software, I immediately called BestBuy customer service and told them the IPAD was cancelled and questioned why the charge was on my account. I was told it would be corrected. I received a statement in XX/XX/XXXX and the charge was still on there, again I called customer service and this time questioned why it was n't removed, and asked why it was on there in the first place being that I ordered an IPAD initially which was never on my statement yet I was being charged for some software that went with the IPAD. I was informed once again the problem would be corrected. Well, I received a statement in XX/XX/XXXX that still had the charge on it only this time it stated my account was past due ( This was the ONLY charge on my account and I did not feel I should pay for something I did not charge or receive ). I again called customer service and demanded the issue be resolved and complained that I had spent literally hours on the phone with customer service trying to resolve a charge that I never should of had on my account, again I was told it would be resolved. When I received my XX/XX/XXXX statement the balance was once again at XXXX and I assumed the charge was indeed corrected .... Only to find out years later that was n't the case. 
I recently had my credit score ran and when reviewing the results I had XXXX late payment out of XXXX payments made. When I saw who the late payment was from I was very upset ... BestBuy, for not making a payment XX/XX/XXXX for a charge that NEVER should of been on my account. I immediately called BestBuy credit services to have this removed because I did n't feel my credit report accurately reflected my BestBuy account, you can see the history was ALWAYS paid on time and that there was no payment made by me in XX/XX/XXXX by me ( the account was credited ). Here 's what I received from BestBuy ... Unfortunately, we are unable to change the information reported to the credit reporting agencies, as it accurately reflects your account history with us. Are you kidding me? 
I called them immediately only to have them say, BestBuy did n't credit your account, we just wrote it off because you 've been a valued credit card holder with BestBuy for XXXX years, and I doing so we ca n't report the account was current. I 'm at a loss ... My initially reaction was to cancel my BestBuy credit card, only to think cancelling a card may also affect my credit score. I know it 's only 1 late payment from XXXX years ago, but it 's the principle of it, BestBuy used words in their letter like " integrity '' and " accurately ''. I think they need to be held accountable yet I exhausted my efforts in doing so with them. I have no receipt because I never took order of anything.
I am totally floored by the information that I just received from an attorney that I met with concerning the newest foreclosure action  by Wells Fargo.       Wells Fargo modified a mortgage that was discharged in my  Chapter  XXXX  Bankruptcy.  XXXX  dollars. They are now trying to foreclose on a debt that has already been  discharged. so how can they try to get money again that was already written off,. how are they trying to obtain a claim from the title company again for a loan that was discharged in  my bankruptcy.     Besides predatory lending practices here, and tryng to collect twice on money already written off by the federal government.     Never when I spoke to Wells did they ever mention I was modifying on something that no longer existed!!! how can this be!     How is it we are still being lied too!
My loan was sold to specialized loan services. We have had nothing but problems with them since. We were trying to modify our loan and were never told it was approved until after we missed theach first trial payment, which denied the modification. When trying to contact them our assigned agent would never return calls and everyone we talked to was extremely rude. Now we are at risk of losing our home.
Bank of America withdrew {$910.00} from my account on    XXXX / XXXX /17   claiming that   XXXX   XXXX   had contacted them and stating that the check had been presented twice - once to mobile deposit and once to  XXXX . I did not cash any check at  XXXX . BoA refused to provide me with any additional details such as the date of the transaction, etc. They told me they mailed me a letter and that I should take it up with   XXXX   XXXX  . I then contacted   XXXX   XXXX    (  as did the party who issued the check to me ).  XXXX  conducted and investigation and determined that the check was only negotiated ONCE. To Bank of America. They had absolutely no record or contact BoA nor of the check being used at  XXXX . They offered to speak to BoA to clear the matter up.     I then contacted BoA again who suddenly claimed that   XXXX   XXXX   had nothing to do with it. They claimed that i had deposited the check once by ATM and once via mobile deposit. Again, utterly untrue. Actually, i accidentally deposited the check twice via mobile deposit. The first time i tried, it did not appear to go through ; I deposited the check again and later got  XXXX  confirmations. However, the money was only deposited a single time into my account so there would be no reason to later withdraw it. They supposedly launched an investigation to reapply the funds to my account. They assured me that i would hear back by yesterday. I did not, of course.     I then called them to follow up on the return of my funds, and this time they were back to claiming that it was negotiated at  XXXX . The person I spoke to -  XXXX  - was a complete  moron and  was utterly unhelpful. His suggestion was to have the party write me another check. But the money was never returned to her. And   XXXX   XXXX   claims it was not returned to them. Basically, BoA withdrew funds and send them ... ... who knows? Again, they refused to provide me with any proof that the funds had been used at  XXXX , and they refused to discuss it with   XXXX   XXXX    ( th e bank the check was issued from ).     They no refuse to help me in any way and refuse to provide me with proof the funds were used somewhere else. At this point, i consider this straight up theft, and I intend to contact the police as well as the Attorney General if the funds are not returned immediately with interest.
Account Resolution Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone XXXX has fraudulently filed a debt claim against me the consumer stating that i obtained services from XXXX XXXX XXXX on or about XXXX/XXXX/XX/XX/XXXX I hereby assert that i did not receive any medical services from XXXX XXXX XXXX in XXXX, Ohio XXXX whatsoever, and that i personally contacted XXXX XXXX XXXX who confirmed that they do not have any record of my receiving any medical services from they agency on or about XXXX/XXXX/XX/XX/XXXX. I requested for the collection agency to forward me a copy of the bill of the alleged services via written dispute to them as well as to XXXX and XXXX during XXXX of XXXX but to no avail.
Experian provided incorrect information to XXXX XXXX. The actual credit score in the credit report from Experian ( XXXX ) is different from what Experian had provided to XXXX XXXX ( XXXX ). XXXX XXXX  already investigated from their end and they just used the information that Experian had provided. Also, the credit score from Experian is much lower than the ones ( XXXX and XXXX ) from two other credit bureaus.
XXXX University, XXXX, PAMy monthly payment is too much for me to afford. I do n't have anymore forbearance or deferment time left. i am going back to school in XXXX but i only have 8 months of in school deferment left. Navient has suggested that i lean on my co-signer, who cant afford to help these days, as well as go into default on my mortgage to make payments.
On XX/XX/XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the CDIA ( Consumer Data Industry Association ) Beginning XX/XX/XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : 1 ) Minimum reporting of : ( 1 ) Name ( 2 ) Address ( 3 ) Social Security Number and/or date of birth ; and 2 ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX ( XXXX ) informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.
Navient has my loans. My loan payment amount continue to go up by hundreds of dollars and this is really affecting my credit. Can you please help me. I tried talking to Navient and that was no help. Please help me I dont know what else to do
I explained to Experian that this account is too old to be reporting to my credit report for XXXX XXXX XXXX XXXX. I have requested that this account is deleted from my report but they still report it.
My loan was service transferred from XXXX Mortgage to LoanCare Servicing on XX/XX/2016 ( I was never notified of this service transfer ). I began receiving collections calls from LoanCare in XXXX - I have NEVER paid anything a day late in my life and I knew the mortgage with LoanCare was paid months in advance. I called LoanCare and we were told " sorry you 're delinquent and have to pay. '' After I did a lot of research and digging, I identified that on XX/XX/2016 XXXX applied a payment to principal in error. I called XXXX and spoke with XXXX on XX/XX/2016 who acknowledged their error. At my request, I had XXXX call LoanCare with me on the line to find out how XXXX can get their error corrected since LoanCare is the new servicer. The representative we spoke with indicated for XXXX to email XXXX with a copy of the payment history showing their error for it to be corrected within 72 hours, which she did on XX/XX/XXXX at XXXX. I called LoanCare on XX/XX/XXXX, was told it has n't been fixed yet. Called LoanCare on XX/XX/2016, was told they never received the email, called back on XX/XX/2016 and was hung up on by two different representative because I requested a manager and was told I could n't speak to one and then after 45 minutes on hold was informed that I was on the phone with a supervisor and she would research the issue and call me back - I never received a call back. I then called today and after speaking with another very rude representative, I requested a manager. I specified a manager and was transferred to XXXX who informed me that he was the Customer Service Manager. XXXX in fact is a Collections Team Lead, NOT a Customer Service Manager. XXXX was incredible rude and disrespectful on the telephone to me. After over an hour on the phone ( of which 95 % of that time I was on hold by XXXX ), XXXX disconnected me from the call. I then called back and was put into XXXX 's voicemail in which I informed him that I was filing the CFPB complaint. Later, I received a call back from XXXX, I had to re-send him the information from XXXX and was told that they would try to fix the issue. I am appalled by the level of customer service and the amount of time I have had to spend on the telephone with LoanCare to get a simple payment history error corrected. The evidence of XXXX 's error, from XXXX, has been sent to LoanCare over 3 times now and may payments are still showing delinquent. I am aware of the service transfer laws where I have 60 days until credit report and late fees are assessed, well, that 60 days is up XXXX and my payments are still incorrect. Not only have I wasted my time spending hours on the phone with LoanCare, but I 've been disrespected, talked down to, and hung up on more times than I can count. I have already informed my attorney that to prepare to file a lawsuit if this issue is not resolved as this is unacceptable in my opinion.
There was a hard inquiry on XXXX XXXX, 2015 from Capital One Bank that was not initiated or authorized by me
A levy in the total amount of {$4500.00} which includes {$120.00} bank fee on my checking and savings acct with XXXX XXXX XXXXXXXX was placed XX/XX/XXXX ( I was not notified prior to or at time of withdrawal by my bank, any other individual or company of this levy ) I discovered my missing funds on XX/XX/XXXX while accessing my accounts for other purposes. After multiple phone calls to my bank and XXXX California courts I was given a court case number and a contact number for Harris and Zide Attorney/Debt collectors who were said to be responsible for the levy. Upon contacting Harris and Zide office I spoke with XXXX XXXX who identified herself as the legal assistant. Upon my inquiry into my missing funds I was told by XXXX XXXX that it was for an XXXX XXXX  account I held in XX/XX/XXXX, that they sent me three letters, one on XX/XX/XXXX to a prior address, another XX/XX/XXXX and XX/XX/XXXX to my current address that I have resided since XX/XX/XXXX, and that I had a judgement from XXXX Courts that was public records that I could refer to. XXXX XXXX then stated that this was also linked to XXXXXXXX XXXX who had bought XXXX XXXX and to another attorney by the name of XXXX. I immediately challenged the information provided as I do not recall ever having an account with XXXXXXXX XXXX and furthermore I have not received any correspondence from Harris and Zide, I could not obtain court information as she stated with the court case number she gave me and stated was public record nor could she provide me with proof of service. 
I believe this to be a scam and I'm not sure what recourse I have without spending monies to hire an attorney to retrieve money from this company. I am sending them a certified letter for demand of return of my money however I believe this office should be aware of this incident and if it is appropriate to please intervene /assist on my behalf to have my money and bank fees returned.
On XX/XX/XXXX, a credit monitor company informed me that XXXX XXXX made a hard inquiry into my credit. I promptly called to alert them that I did not seek cable from their company. I have lived in a multi-dwelling unit for >10 years that contracts exclusively with XXXX XXXX. XXXX   deemed the inquiry valid for " promotional purposes. '' XXXX required that I send a form with all my personal and sensitive information through the mail to resolve the issue. Beginning in XX/XX/XXXX/XX/XX/XXXX, DIVERSIFIED CONSULTANTS INC ( XXXX ) began calling my home repeatedly until I asked them to stop calling. They never said what the call was concerning just a " personal business matter '' neither was there anything received via U.S. Mail. The result is now a bogus {$1000.00} delinquent charges from XXXX for 'unpaid bills since XX/XX/XXXX ' per XXXX XXXX for address XXXX XXXX XXXX , XXXX XXXX, XXXX ' . I promptly informed them that I never lived at that address. XXXX XXXX said the company would remove the charge from my credit. The bogus amount is now on all three of my credit reports! This could have been avoided had XXXX and XXXX applied due diligence to verify address and information a year ago. XXXX should have know the property was not one of its clients!
traded my car in on XXXX XXXX, XXXX to XXXX XXXX XXXX, In exchange for a XXXX XXXX XXXX. Have paid for the monthly car note for the month of XXXX. Dealer at XXXX XXXX did not send the check to XXXX XXXX until XXXX XXXX, XXXX. Now XXXX XXXX is saying that I owe for the month of XXXX. I had signed documents to release ownership of traded in car to XXXX XXXX on the XXXX of XXXX. Also signed documents to release ownership and registration of car to XXXX on the XXXX of XXXX. Release trade in car to XXXX XXXX on XXXX XXXX, XXXX. This was completed before the month of may when the next payment was due.
4 years ago in XX/XX/XXXX i disputed bmw and the bankruptcy as fraud and i sent over a police report confirming the id theft, as of XX/XX/XXXXthey re included the bmw fraud account and the bankrpucty wasnt on there as proof i sent over the credit report they re added in XX/XX/XXXX they 're defrauding me and they re added bwm and there violating my rights under the fcra. they keep readding the accounts after they been confirmed as fraud and deleted which is a violation of the FCRA i spoke to XXXX he refused to give me his name and his id number said to go to hell and go back to where i came from hes also refusing to call XXXX  police to verify the the police report