WillisBack/dataset-financial-user-claim huggingface dataset:
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, XXXX XXXXXXXX submitted my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run onXX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, Consumer Protection Financial Bureau as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
PNC Bank stopped sending information necessary to continue my multi-year history of timely and complete, full payments of my HELOC as of XX/XX/2018. I have made numerous attempts including but not limited to online correspondence, telephone calls, and written letters. PNC Bank has replied with a succession of non-action. I have gone above and beyond my due diligence and reserve all rights while withdrawing none. The aggresive and predatory techniques by PNC Bank, mainly the purposeful and premeditated deceit of their obligations as established by the PNC Bank Code of Conduct, and, most importantly, Federal Law, should concern all. I have continued to make timely monthly payments using my payment stub from XX/XX/2018. PNC Bank continues to draw monies from my personal checking funds while denying me requested information as to where these funds are applied. In addition, PNC Bank will not provide me with a copy of original terms and conditions of my HELOC. This written document shall serve as instrument.
I have tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX
I contacted National credit audit requesting a pay in delete agreement. When I spoke with the individual XXXX she read my the attempt to collect verbiage on my first call I told her my concern and asked kindly if she could help. She said they could pay to delete if fully payment was received, I indicated I did not have the funds for the full amount owed and would be willing to settle to pay to delete. She said well we cant do that. I said wel I can not afford to pay the debt in full unfortunately. She said well thats the only time we will offer this to you with attitude. I said well thats a little rude. She then proceeded to say no youre rude for not paying your debts. I felt very attacked and asked for a supervisor. She stated no one was available and hung up on me.

I called back again and asked for a supervisor but was transferred to XXXX again about 5 minute later. She said no XXXX theres no supervisor and in the beginning did not read the attempt to collect verbiage. I said that is not allowed to my understanding and you shouldve read it first. I believe she violated the collection laws by not reading the verbiage but also attacked me for being kind and honest in that I could not afford to pay today.
My mortgage was sold by XXXX to Carrington Mortgage. Upon notification I stopped the auto- draft from my checking that paid XXXX , so that I could pay Carrington XXXX Payment was made on the XXXX of XXXX by me. The auto- draft followed my mortgage to Carrington anyway and another payment was drafted in the XXXX of XXXX. When I realized this occurred I contacted Carrington who gave me a list of fax numbers to send my checking account summary to demonstrating the double draft. I did so. On the following Monday, three days after my first call, I called back and was told that all had been received and that my check for reimbursement would be here on Wednesday of the same week. Wednesday came and went. I gave it Thursday and nothing showed up by XXXX so I called Friday. I spoke with several different people- again they say they see where I was told that but do not know why I have n't received it. I was transferred to a supervisor whose name was XXXX, who promised to make my case his mission and call me back. He did not. All calls to him have gone to voicemail, and I have spent most of today listening to a system down recording. Finally I get through and after XXXX minutes in their VRU I am told to call back during normal business hours, which are XXXX to XXXX est M-Sat. It was XXXX on Monday afternoon. I have other accounts that have not been paid because of their inability or unwillingness to return my money to me. I am starting to wonder if they have just closed up shop.
On XXXX XXXX, 2016 Experian credit report is reflecting incorrect account information which is old and has already been paid off since XXXX XXXX, 2016. I have made contact but was told this was the most recent account information that was being received by the Creditor as of the date of the report. I have spoken to a representative at Experian to dispute the item. She advised me to upload the supporting information reflecting account paid. I attempted this function for 2 days and finaling mailed all copies to support my account being paid in full with tracking from the mailing service. This information is going on 4 MONTHS OLD AND DOES NOT ACCURATELY SUPPORT A TRUE CREDIT REPORT OR CREDIT SCORE. As of today, I have not received a response back from Experian but I do expect a response since notification has been received the supporting information I mailed has been picked up by a person from the XXXX XXXX .
On XXXX XXXX, XXXX, I canceled my auto and home owners insurance policy with USAA. At the time we also canceled the auto draft associated with our insurance account. The auto draft came from our Checking account which is also with USAA. On XXXX XXXX, XXXX, without our permission, XXXX XXXX charged our account via auto draft, over {$400.00} for funds due on the canceled account. This resulted in an overdraft on our account. 
I contacted the XXXX XXXX department who referred me to the USAA Checking services. When I contacted USAA checking services to file a complaint, I was told there was nothing they could do since it was USAA Insurance that took the money. Apparently at USAA if something illegal is done between divisions, they have no interest in addressing them. 
My wife and I did not authorize this charge or release of funds. USAA has illegally accessed our checking account.
Back in  XXXX   2017 , I contacted Loan Care and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,  2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  Loan Care c ontinues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?
I received a postcard mailing from SunTrust stating that I had selected ( opted in to ) overdraft coverage for my checking account ; I made no such selection, and had specifically refused overdraft coverage/protection when I opened my accounts. I spoke with a call center worker who corrected my selection to decline overdraft coverage/protection, but neither he nor a branch employee were able to say when or how my preference had been changed without my consent. Changes to my accounts - especially changes that cost me money and produce profits for the bank - should not be made without my consent, and there should be accountability when changes are made so that mistakes can be corrected, broken processes repaired, and malfeasance detected and sanctioned.
On XX/XX/XXXX I returned my XXXX XXXX XXXX to the XXXX XXXX in XXXX, FL at the conclusion of a 36-month lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected.

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from XXXX or XXXX XXXX. No invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " CCB Credit Services , Inc. '' for collections. Upon receiving this letter, I immediately called XXXX XXXX, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. OnXX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In early XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX Bank. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that XXXX XXXX severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX to resolve this matter in their time constraints, meanwhile XXXX XXXX already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.
XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no clue who 's address this is.. why is it on my personal information. I jave never lived at this address or know anyone. 

I am afraid someone might be commuting fraud with my name from this address. Please take this off my personal information!!
I was in a forbearance with Navient, and during that time, " late payments '' were still reported on my credit. This lowered my credit score tremendously! I received calls and email messages from Navient during the forbearance period to make a payment. I told them I was in a forbearance. The Navient representative told me that " not all '' of my loans were under a forbearance. I requested to have ALL of my loans consolidated so that various loans are not in different reporting stages. I never received the information to consolidate & they are still being reported as late. Navient is reporting several loans as missed or late payments on my credit. Also, the school that I had loans with is closed/ no longer an active school.
A R Recovery Solutions has placed an account in collections under my name and refuses to verify that this account belongs to me. This account has since been reported to the credit bureaus and has impacted my score. I asked them to sen d verification of the debt to me and they kept telling me that I would have to send in my social security card, picture id and a signature, which i dont trust to do so. I know that this is a tactic try to collect my personal information. They also have threatened to take legal action if i dont pay the account off ; the account that they refuse to validate or verify.     Secondly, according to Illinois Depart ment of Professional & Financial Regulation  and Fair Debt Collection Practices Act, A R Recovery Solutions is not licensed to collect debt in the state of Illinois.
They call multiple times a day, every day. I don't know what they are trying to collect other than it says XXXX XXXX XXXX. I lost my job in XX/XX/XXXX and in the process of obtaining a new one. The calls are are annoying, repetitive, and flood my voicemail.I am also registered on the Do Not Call list.
Having Problems with Ocwen loan servicing. The way they are servicing my loan I feel that they are forcing me into a default. My payment went up for the XXXX time in 3 months and this time it went up {$200.00} per month and they said it was because my insurance went up. Contacted my insurance company and it did by less than {$50.00} per month, not over {$200.00} per month. Talked to the on the XXXX of XXXX and requested info to be emailed to me for review and as of today no info sent. Talked to a rep and requested same info and all he could say was maybe its in your junk mail and when I mentioned CFPB the phone was disconnected. Please help me this this company. I do n't want to lose my home but the way they are servicing my loan it will have to go in default. Very poor customer service.
I 'm a current client with Bank of America who has decided to refinance. I thought because I have been a client with BOA for 13 years and that they have my info and history that it would be pretty easy but I could n't have been more wrong. The experience has been an awful and I would never recommend them. I reached out locally and did n't get a response. I called the XXXX number and I was put on hold for 14 min before I hung up. I called the local office again and finally heard from someone. The documentation they were requesting was way out of what is normally requested but we complied. Our mortgage office had said she has never seen clients asked for the documents we needed to produce and because it seemed so ridiculous especially for a refi with current clients who have great credit and standing with the company she kicked it up to her superior of which nothing happened. They need documentation from the association, which was sent and but I was told they never received. The association let me know that they not only sent it that BOA sent them all my personal information including SSN in an unsecure manner. BOA said they did n't have the ability to send emails in a secure way which is absurd for any bank never mind one of the bigger ones. All of my personal information was breached, apparently went somewhere but BOA never got it. The association resend my info in a secure manner and BOA ca n't open it. The hoops that I have had to jump through the lack of customer service and the breach in my personal information have lead me to NEVER recommend them to anyone. At this point they have everything but the association docs ( because they ca n't open them ) and I 'm heavily contemplating pulling the whole thing and going with a much better mortgage company. They do n't deserve my business. In todays world with identity thief they have completely exposed me and my family and I have no confidence in them as a financial institution. If anyone has lending needs DO NOT USE BOA.
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the Portfolio Recovery Associates Group and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from PRA at ( XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by PRA Group regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Pinnacle LLC has a XXXX XXXX bill on my credit report. I have never had a XXXX account. # XXXX. {$530.00}. Sent them certified return receipt letter, asking them to verify it belonged to me with no response. Then sent 10 day letter asking the same with no response again.
In XX/XX/XXXX, I paid my bill twice by mistake. I called to get a refund for one of the payments. After a few days of calls and speaking with different people, I was told that they have to get a refund check mailed from XXXX XXXX and sent to them, then they would send that check to me. However, I never received anything. I finally called about it to check on the status in XX/XX/XXXX, and was told the refund was processed and sent out on XX/XX/XXXX and that I should've received it. I told them I'd wait a few more days to see if it comes in. I called back after a week because I still haven't gotten my refund, and at this point, the XX/XX/XXXXbill was due. I inquired about having the refund check canceled and just reapplying MY funds back to the account. After being put on a long hold, I was told that the manager couldn't do that at this point but was told that an email was sent to the Finance department to see what can be done, and that I would receive a call back once they got a response. It has been 3 days now and AGAIN, no one has reached out to me. I just want MY money back or reapplied back to my account so that my bill is paid for XXXX ... considering I ALREADY paid it, and they have done nothing to help but waste time.
Experian is reporting a negative payment history in XXXX XXXX for a XXXX account that was settled in XXXX XXXX ; although the balance is correctly being reporting as XXXX and the payment status for the account is correctly reporting as " Settled, '' the erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX and XXXX legally accepted the settlement as payment in full, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account ; XXXX and XXXX are correctly reporting an " OK '' payment status for this same time period. Because XXXX and XXXX are reporting this correctly, I have to assume that the erroneous reporting is the fault of Experian and not XXXX.
XXXX XXXX XXXX XXXX will not answer any questions in any format email, mail, phone I even submitted a public records request and a FOIA ( Freedom of Information act request. 
They sent me a conflicting XXXX forms with different info and " Lender '' and in XX/XX/XXXX a XXXX with yet more conflicting information. 

I need them to Clarify and explain what has been submitted to the IRS a government Agency. 
Letter was sent in a Ocwen Envelope with a XXXX XXXX XXXX XXXX Letter and Lender Tax ID number Explain & Clarify : ( 1 ) XXXX  XXXX FMV ( Fair Market Value ) why is one XXXX in XX/XX/XXXX and balance of principal outstanding ( XXXX  ) XXXX ( 2 ) Date of aqusition XX/XX/XXXX and ( 3 ) address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( 4 ) XXXX in XXXX date of identifiable event XX/XX/XXXX ( 5 ) Discharged debt XXXX? How did they come up with this amount? ( 6 ) FMV ( Fair Market Value ) XXXX XXXX ( 7 ) Addressed XXXX XXXX XXXX XXXX, Washington DC XXXX but envelope address is XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX
I have tried several times to repay these loans but we can not reach a fair payment that the lender will agree on. I have XXXX small children and can not afford a $ XXXX/monthly payment.
I obtained a auto through Santander on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' Santander has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.
The company calls daily, sometimes under spoofed numbers, sometimes up to twice a day. During work, during dinner. The most recent was around noon from XXXX. Once I answered when they called under a spoofed number in my area code and the operator was rude and misleading, saying that I needed to contact the original creditor to work something out. I couldn't even verify that this is indeed my debt, I think it belongs to my brother. Before I hung up on the operator, I explicitly said " Please do not call me again. '' I still get daily calls.
ON XXXX XXXX 2016 I STARTED A REFINANCE APP WITH MY MORTGAGE CO. CHASE I HAVE BEEN STRUNG ALONG WAS APPROVED AND INTO CLOSING STILL NOTHING I WAS TAKEN OFF THIER WEBSITE NO RESPONSE FROM ANYONE
On XXXX, my late husband opened up a XXXX credit card account for himself, under his social security number. He passed away intestate on XX/XX/XXXX. I informed XXXX several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.