WillisBack/dataset-financial-user-claim huggingface dataset:
I went into XXXX XXXX on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3, the dealership never disclose their relationship with Chase Bank. The dealership was in a rush to sell me a car. The salesperson XXXX XXXX called me everyday for about 2 weeks. I spoke with XXXX from Chase and she told me the dealership was suppose to tell me that I would have XXXX inquiries instead of XXXX. I wanted to get my private student loans consolidated but due to number of inquiries by this dealership, I ca n't do anything. This is unfair to me. The finance XXXX from XXXX never disclosed that it was a part of Chase. I am client of XXXX XXXX XXXX and they advised the dealership should have told me that. I had XXXX inquiries from XXXX, it also affected my credit score. I also sent over the inquiries to the general XXXX, XXXX XXXX as proof. I do n't think its fair because I really need to consolidate my private loans to get a good rate. XXXX misled me because they did not disclose all of the information to me. I was told by XXXX XXXX Firm where I am a client that XXXX inquiries is too many and will affect my credit for 1 year and the entries will not be removed until XXXX XXXX. This is causing me a hardship. Why did n't the dealership tell me about the relationship between XXXX and Chase. Like I advise before I did have a recorded conservation with XXXX telling me that the dealership should have told me this information. I was sent a copy of my permission to have my credit pulled but I never received an answer as to why my credit was pulled XXXX times and I was never told about it plus I was never told the actual loan was approved by Chase. I was misled by XXXX, I also have proof that XXXX XXXX, sales consultant for XXXX called me everyday for XXXX weeks ( I have a copy of my phone records ). I will continue to complain until this resolved, I have XXXX inquiries on my credit report. This is unfair.
I AM GETTING HIRED AND THEN DENIED A JOB BECAUSE THIS SITUATION KEEPS SHOWING UP ON MY BACKGROUND CHECK ....
Explanation from XXXX XXXX XXXX The XXXX XXXX XXXX they were all misdemeanors at an AZ casino. The court documents show the fines were paid, happened years ago however remain on my record but as far as my explanation I was playing XXXX and XXXX XXXX and was banned from a casino in AZ and the only reason I have these multiple charges is that I did not know the other casinos were owned by the same XXXX XXXX because it would have my profile show up in their security database. <P/> The only reason I was doing this is because I needed to make some extra money when I was laid off in order to make ends meet. I am not a criminal whatsoever and never will be and do n't have any felonies on my record. <P/> Let me give you an example?
XXXX
If you got a speeding ticket it states on the ticket criminal speeding. Does that make you a criminal? NO.
XXXX
This is not like I trespassed into someones house or something. It was at a casino and should be off my record and background check. Please understand because I am being denied jobs from employers because of this and need to make a living.
XXXX
As far as the XXXX XXXX there was a miscommunication because a taxi driver said I didnt pay him when I paid him in cash. A police officer came to my house because the cab driver filed a report against me. I was not arrested and the police officer said just take him to court so the cab driver did. The prosecutor said XXXX XXXX this is stupid and you dont want to have it on your record so I paid him again, it was signed off by the judge in XXXX, and the charges were dropped which I have provided the documents for.
CALL TO GET FORENSIC AUDIT AND " FULL VALIDATION '' AND NO RESPONSE.
On XXXX/XXXX/2015 I spoke to XXXX XXXX and paid off XXXX invoices that XXXX had past due. At that time I let him know that I thought it was a XXXX month contract and that I would be contacting XXXX to go over the invoices since we did n't use their services for XXXX and XXXX. I left a message for XXXX XXXX to return my call to discuss. On XXXX/XXXX/2015 I received another e-mail from XXXX with an email letting me know that it was XXXX months and I informed him again at that time that I was still going to fight it since we have n't used the service. 
He then proceeded to send me a hostile email that was rude and unprofessional. Once I read it I called him and asked him why he was so rude and unprofessional in the email. I let him know that I was contacting the company and trying to get it squared away. He just laughed and said he didnt give a XXXX!! Was screaming and yelling at me and then said he turn us into XXXX and XXXX. As you can see in the email his tone, rudeness and tactics of trying to intimidate. 
He should be shut down or fined for his behavior. If this is how he is threating people and companies I would never want this company working for me or anyone else I know
There is a collection account ( XXXX XXXX ) on my Experian credit report that is the result of a credit card I did not open. 

I've asked Experian to remove this account in the past. 

As the official removal date is XX/XX/2019, I am asking for an early removal of the XXXX XXXX account, taking into consideration my earlier disputes about the account and the proximity to the XX/XX/2019 date. Many thanks.
I purchased a car from XXXX XXXX of XXXX on XX/XX/XXXX. 
The vehicle was financed through Chase Auto Finance for {$37000.00}. 
An online account was set up to make payments, with chase account ending in XXXX, and we made our first payment before the first due date ( XX/XX/XXXX ). 

On XX/XX/XXXX, I received a credit alert email, saying that a new account had been created using our social security numbers and my credit has changed. 
Chase Bank somehow created a duplicate loan/account of the exact same amount, and the account ends in XXXX. 
I have called both Chase Auto Finance and the XXXX Dealership and both pin the blame for the duplicate loan on each other and aare not offering any solutions. 

This duplicate account negatively affected our credit scores greatly, and it shows that we are late in payment, which is not true because the payment on the real loan was actually made. This is very bothersome and negatively effects my " 100 % on time '' payments. 

Isn't it illegal for Chase and/or XXXX to create a new loan/account in our name without our knowledge or approval? 
Would it also be illegal that Chase and/or XXXX used our social security numbers to negatively effect credit scores without our knowledge or approval? 

Please Help!!
I pulled my credit reports. On all the reports it shows I have negative and a late account with Ed Financial. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX  and XXXX. All came back verified. I called Ed Financial, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
On  XXXX  approximately  XXXX  I call  one of the  local branches in my ar ea (   XXXX   XXXX   XXXX   XXXX   ,  NC  XXXX   XXXX  and asked about how to open a checking account. The CSR advised me of the documents I will need and if I knew anyone associated family member/friend with this company. I advised my father has an account with them and she stated that was good enough. I then ask if I needed any documents stating that he was my father or verify that he has an account and does it matter if we have different last names. She stated all I needed was his name but if I had his account info that would help as well but the name would be fine. I then went to the branch around  XXXX  the same day and request to open an account. The rep ask what qualifies me to open this account. I advised my father and boyfriend has an account and after she viewed my ID she noticed my father and I do not have the same last name and that I would need to provide a birth certificate to prove he is my father and my boyfriend and I will have to have the same address on out ID 's. Now I do understand there are security measures to be taken but I do n't like the idea that I was misinformed and wasted time from work running up to the branch to open an account that I could not.
On XX/XX/XXXX, I was charged twice in the amount of {$590.00} each time, for a XXXX flight which I canceled within their 24-hour grace period. In addition to being charged when I shouldn't have, it was done twice. After speaking to XXXX, who admitted fault, my account was overdrawn by {$280.00}. In order to avoid overdraft fees from Bank of America, which they continue to charge illegally ( following the class-action lawsuit filed against them in XXXX for violating the National Bank Act ), I disputed the two charges and asked Bank of America to provide an immediate credit. 

On XX/XX/XXXX, XXXX finally issued me two credits of {$580.00}, which differed slight from the original amount due to exchange rates from USD to EUR and the time of the credit. 

Four months later XX/XX/XXXX and XX/XX/XXXX, after the claim was labeled as 'resolved ', and more than the 90 days after the amount of time a bank is allowed to investigate a disputed transaction, Bank of America reversed their temporary credits, withdrawing a total of {$1100.00} from my account. 

I find this practice of retroactive credit reversal not only predatory, but outside of the legal time limit within such a dispute should be resolved. I would like to argue for a partial or full refund of these withdrawals, as it is Bank of America 's fault for not reversing these credits within a timely manner. As a result, I was put in a catastrophic situation, without any access to cash while traveling in XXXX, being forced to borrow money to make my account positive again.
This has been happening a long time, Macy 's and some other charge me a monthly fee on top of more than half of my monthly payments in interest. I do n't want to pay 25 % interests rates when I 've been paying them and everyone else every month on time! Then to discover this is absurd! I 've been a customer for years now ...
I borrowed the money my financial situation had changed. I made payments, than missed payments now the intetest charges are outrageous. I would like to pay back the loan minus all the interest charges.
I went to XXXX XXXX with the American Financial Network for refinancing. He advised to go to the AFN site online to apply which I did. They sure did send me the non disclosure documents which I signed. My problem though is that he-my agent : XXXX ordered a {$600.00} XXXX XXXX dollars appraisal which I thought was very expensive. However, not too long after they got all the documents they requested, they turned around and told me that my income to debt ratio disqualified me. My problem and dissatisfaction is that I believe that this company and their agent should have checked if I qualify for the refinance I requested before ordering for such an exorbitant appraisal. And this is my complaint. 

Thank you very much.
The lender has failed to respond to our QWR and Notice of error request sent on  X/XX/17    and are proceeding to sale set for  X/X/17    - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.
On XX/XX/2018 I received a promo email offer from Chase to sign up for a UnitedAirlines credit card and that I would receive XXXX air miles and XXXX extra miles, if I applied for two cards and spent more than {$3000.00} in the first 90 days. I clicked on the " apply here '' tab and filled it out. I received my credit cards for me and my wife and we spent well over {$3000.00} in the first 30 days. Chase only gave me XXXX miles to XXXX. I contacted Chase and sent them copies of their original email and I spoke to 3 customer service and 2 supervisors. The last supervisor " XXXX '' stated on XX/XX/2018 that only XXXX miles were sent to XXXX because they set me up on the wrong promo. She stated this on the phone to me, and my wife was listening. We could not believe that she admitted they made a mistake but that they were not going to give me the advertised promo because it was already done and she said that was the end of it. I have the original email promo to prove my complaint.
My private credit information was accessed in the Equifax security breach discovered by the company on XXXX XXXX, XXXX. This causes me to be vulnerable to identity theft and creates significant anxiety. I filed a complaint with Equifax on XXXX XXXX XXXX, at which I time I registered for identity protection services through TrustedID Premier.
Recognize a few inquiries on my TransUnion Recognize a few inquiries on my TransUnion XXXX and XXXX report that I have not authorized. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNUON INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
In XX/XX/XXXX I lived in XXXX XXXX. Beginning in XX/XX/XXXX, I started seeing wasps in my apartment. From XX/XX/XXXX through XX/XX/XXXX I made constant reports. Initially they only sprayed bug spray around the building. Then they brought in professionals. The professionals came out three times and each time they found more and more wasps nests. Several times throughout this period I had no choice but to inconvenience myself and family by staying at their house or not leave my bedroom into the rest of the home due to so many wasps. At this time I was paying rent for an apartment I was pretty much not living in.They offered to move me into another apartment but I would have had to stay in mine for another month because they would only move me into an apartment the same size instead of what was available. At this time my son was six years old and to keep my son safe I had to move and I did it as quickly as possible since I had been dealing with the wasps for almost three months at that time. XXXX violated my lease by their failure to provide a safe and comfortable environment as stated in my lease. On the day I left I gave them a letter detailing everything in this letter to explain my decision to.
In XXXX 2015 I submitted all documents to apply for a HAMP with Caliber Home Loans. There has been numerous correspondence with Caliber by phone, email, upload of documents and viewing the website for updates on where we stand. Now five months later on XXXX XXXX one of there XXXX reps stated they will not except the numerous additional documents I uploaded to my caliber account. They stated the documents could not be pictures of them uploaded as I did with many of the most recent ones, going back to XXXX. As I understood, I asked why on XXXX XXXX is it the first time I was made aware of this. Many other XXXX have viewed these documents as I wanted to verify they received them, and only once did a XXXX have me resend a paystub, that he could not read, using this same method as I was on the phone with him. This XXXX received the paystub as I was still on the phone with him and viewed it and confirmed it was received and legable. On XXXX XXXX I then scanned the whole package along with more than requested paystubs to pdf files and emailed them to the email provided for loan modification documents. On XXXX XXXX, 8 days later, I received a letter from caliber stating we were denied the loan modification with a denial reason, that I did not provide caliber with the documents requested. Also I could appeal there decision by XXXX/XXXX/2015, which is 9 days from now. Unfortunately the communication piece is difficult as you are not speaking with underwriting who are handling all the documents. There was never a time lapse of more than a week in providing documents requested. I did have to call on many occasions to let them know the documents were there and had been there for 1-2 weeks. In the beginning of this process our overdue balance was XXXX and our full monthly payments were denied and returned to us resulting in a overdue balance of XXXX. This is my home that I take very serious and would like to resolve my debt more than anyone. My local HUD counselor advised that I file this complaint.
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
I AM PROFOUNDLY XXXX AND CAN NOT HEAR WHEN HEADSETS ARE USED AND ALSO THEY ARE USE VOIP. 

MY DISPUTE ALSO WAS NEVER PUT THROUGH. 

4 SUPERVISORS REFUSED TO GET ME SOMEONE THAT I COULD HEAR ON A HAND HELD PHONE AND MADE FUN OF ME.
I received a Wells Fargo mortgage modification package which is not in line with what I agreed to verbally with XXXX of Wells Fargo " home preservation specialists. '' I have already filed a complaint with CFPB ( complaint number XXXX ) because I did not feel comfortable with the vagueness of the Bank 's statements, but the complaint was closed because they provided a convenient generic response and I had no way of knowing whether or not they would act in bad faith. Instead of providing me with a fixed-rate loan, they sent me documentation for a new predatory loan ( adjustable-rate baloon ), not unlike the one I was lured into in the first place ( please see attached, specifically page XXXX ). The Bank seems to be setting us up to fail again.
I have a loan with Mobiloans LLC which I have given 16 bi-weekly payments totaling {$2100.00}. It recently came to my attention that Mobiloans LLC is owned by the XXXX XXXX XXXX of Louisiana and it does not have a license with my state, the state of California, so my loan is illegal and void. I sent them a letter explaining this issue and told them I would pay only the principal balance and not the fees. Adding all my payments together I have overpaid my original loan of {$1000.00} I took out in XX/XX/XXXX plus the the additional loans of {$600.00} in XX/XX/XXXX, {$200.00} in XX/XX/XXXX and {$200.00} in XX/XX/XXXX. In the letter I stated the overpayment, asked to have acknowledgement that my loan is paid in full and my account updated to reflect this and then closed. I also asked for a refund of my overpayment and told them of my revocation of ACH authorization as well as no contact by phone to my home, cell phone, or employment, or my references for the loan. They responded with generic responses and then said Mobiloans LLC ownership by the XXXX XXXX XXXX of Louisiana is governed federally and does not need a license to operate in any given state and that I still have a balance of {$1400.00} which I need to pay. With the outrageous fees that they charge and every payment I have made, I want them to consider my loan satisfied in full because my loan with them is illegal and void and I will only pay the principal which I have. My last payment to them was on XX/XX/XXXX for {$120.00}. For example, for this last payment of {$120.00} only {$35.00} goes towards the principal the rest is all fees.
One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at Barclay 's and they are trashing my good credit by reporting the account late 90+days every month!
I signed up for pnc bank account last year and used it as my direct deposit account and also my tax return. IN that time I sent a check from my bank I use for purchasing and selling online to them to put extra money in that account except I wrote it from an old checkbook which had closed my account. At that point I had a positive balance and it went negative. B4 they even asked me about what was going on they closed my account which my next pay check that week would of covered what was overdrafted and it was a clear mistake on my part and I apologize. I owe the bank XXXX dollars that I would like to pay them in return having my account removed from chexsystem as FRAUD which I have never committed and never plan on committing. I think I received an unfair judgment here.
I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY 2 CARDS. THEY REPORTED ME LATE IN XX/XX/XXXXAND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY CREDIT SCORE DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.
Hello, I have attempted three times to partner with Navient to open an investigation regarding the student loan assigned to my SSN. I just realized the school the Student Loan was drawn from I never attended. This entire time I thought this Student Loan was from my XXXX XXXX and its not. Navient has me flagged for a loan that I cant afford to pay each month as well as its not even my loan. 

So therefore, I would like an investigation on the Student Loan amount to be place on some type of hold until a solution is determined as its fraudulent. 
Please advise.
On XX/XX/XXXX I submitted a request via letter to Chase Bank requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

Chase had applied SEVEN hard inquires onto my credit file without my knowledge or permission with the exception of 1 inquiry ( business credit card ). 

The inquiries that I requested be investigated were made on these dates by Chase : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have been a long time Client with Chase, having both a business and personal checking with them. Never once have I needed them to acquire my personal credit profile, with the exception of the 1 inquiry that I do acknowledge.

I can not stress enough, these hard credit inquiries were not authorized by me with the exception of ONE. I can not recall which date it was, but one inquiry is only valid. Not seven. 

As noted above, on XX/XX/XXXX I requested Chase to investigate. On XX/XX/XXXX, I received a response via letter telling me that I did in fact submit applications. I did not in any matter submit anything. 

Chase did not investigate anything, they failed to move forward any due process in this matter. They failed to provide me with any documentation showing these alleged applications I submitted.
I received info that XXXX XXXX has sold my LOAN account Navientwithout my knowledge to avoid being taken to court for unlawfulillegal loan that they distributed and lied about.
LVNV funding has been illegally reporting a debt as a new collection on a monthly basis to credit bureaus. Amount attempting to be recovered is grossly incorrect.
Talked to XXXX of card member services @ XXXX XX/XX/18 and XXXX XXXX XXXX XXXX @ XXXX XX/XX/18 regarding my credit card which they closed and regarding the increase in interest rate. XXXX stated that I should have gotten a separate letter stating my promotion ended on my credit card. I was never notified of this therefore shouldnt have to pay the increased interest rate.