WillisBack/dataset-financial-user-claim huggingface dataset:
on XXXX XXXX, XXXX Bank of America reported on to the credit bureaus that account # XXXX was included in a bankruptcy. I do not have a mortgage account with Bank of America, nor was this account included in a bankruptcy. Bank of America sold my property for {$160000.00} On XXXX XXXX, XXXX realizing a profit of {$21000.00} of which I did not see a penny of nor was I informed of foreclosure procedures or given an opportunity for Redemption.Bank of America Illegally foreclosed upon XXXX XXXX XXXX # XXXX on XXXX XXXX, XXXX, reporting the property to the IRS as abandoned and claiming assignment of a Grant Deed from " Country Wide Home Mortgage. '' This was Illegal a predatory hostile take over in conspiracy with XXXX and XXXX Attorney for XXXX XXXX XXXX XXXX. In XXXX XXXX Bank of America advertised the property for sale for cash only through XXXX, agent XXXX Bank of America sold the property to a XXXX XXXX XXXX for {$130000.00} cash and closed on the property on XXXX XXXX, XXXX. For Bank of America to have now claimed that that same account was a part of a Bankruptcy on XXXX XXXX, XXXX is the highest form of FRAUD and has cause me irreputable Economic, mental Anguish, damage that one can not recover from. 
I demand that Bank Of America make restitution, be Sanctioned, be fined and must pay damages to the maximum allowed to XXXX XXXX. 
This was the most blatant rapping of a property from it 's owner imaginable. First of all Recntrust changed my name on the tax records in XXXX of XXXX, of which they had no authority to do so and without any notice to the owner. Bank of America said to RECONTRUST, not s fast, you ca n't do that, so RECONTRUST in XXXX XXXX transferred the property over to XXXX who reported the sale price as {$210000.00}, then there was this claim of an Auction of the property on XXXX XXXX, XXXX of which never occurred, the Auctioneer said that the property was sold in house, that Bank of America bought the property. Bank of America was contacted and they said that the XXXX XXXX bought the property for {$160000.00}. In the meanwhile that very day Bank of America claim to have recorded the sale for {$160000.00} reported to the IRS that very day and in addition, that the property was " ABANDONED. '' Documented proof from Title and Escrow to verify above stated information. I would like to have the Federal Government regulators reign over these MORTGAGE cheaters, Bank of America, XXXX, XXXX, Country Wide, XXXX XXXX all have caused such loss, financial ruins and damages to so many people like me. I want my property back and I want Bank of America to pay for their predatory acts against innocent people. I am a senior citizen, these are the people that Bank of America and XXXX and XXXX prey upon to suck the life out of and cause them economic bankruptcy and leave people destitute. The resolution her is for the Federal Government to step up to the plate and STOP these predators and to stringently make retribution to their VICTIMS.
THE CAR A XXXX XXXX XXXX SHOWS : 1. A LATE PAYMENT FOR XXXX XXXX BUT WAS PAID OFF BY XXXX XXXX AND I PURCHASED ANOTHER CAR. 

2. MY CREDIT REPORT DOES NOT ACCURATELY REFLECT THE AGE OF CREDIT. 
I PURCHASED THIS VEHICLE IN XXXX XXXX.
I hAve disputes these inquiries with Equifax previously expressed that they are not authorized by me XXXX XXXX. I have multiple lenders pulling multiple reports on multiple days I need these unauthorized inquiries deleted .... 

XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX I also have a bunch of inquiries from XXXX XXXX and I did not authorized any of them please delete these inquiries ALL of the above are unauthorized inquiries I did not authorized allure above inquiries please have all of them removed
I contacted Equifax because of the Unauthorized student loans that were showing up on my credit report. Which I sent them proof of identity theft, meaning all identifiers like SSN copy, A utility bill with my current address, a police report with my name address and birthdate on it, and other verifiers. However I received a message saying that they can not properly investigate because it is a third-party issue however I called consumer finance and was told that they could not identify me in their system. Which makes no sense I feel they are deliberately avoiding investigating my complaint and disputes. I am not being treated fairly.
Today is XX/XX/2018. Prior to XXXX Hawaii Standard Time , I made a in person deposit of several checks at Bank of Hawaii . 
After I left the bank, I noticed the deposit slip is dated for XX/XX/2018 Is this legal? 
I also get direct deposits from from XXXX  XXXX XXXX and XXXX XXXX. Both of them with hold funds availability for about 4 days before they appear in my account. 

Essentially, it floats somewhere from the time the person initiates the online transfer/payment, to the time it is credited to my account it is about 4 days later.
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment.

These items of hard inquiries and past credit debts disputed by XXXX, TransUnion, XXXX and XXXX XXXX I am requesting that the items be removed.

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
I have been repeatedly called by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) and threatened with legal action regarding a debt. 

I have contacted the company several times and asked for the information regarding the debt. They claim that the debt is from " XXXX XXXX '' which was later acquired by HSBC. 

They claim that the account was opened on XXXX XXXX, 2009 and charged off in XXXX of 2009 with a balance of {$780.00}. They can not or will not answer what kind of account it was or what the charges to the account were. 

They have promised to send legal information to my address numerous times. I have verified my address with them and called to see when they are going to finally send the paperwork. 

It is obvious that they are a last-ditch debt collection agency and when I confront them about it they either hang up, become argumentative or use profanity and abusive language. 

Any requests for basic information, such as an address, are met with questions, lies and more profanity or abusive language.
I took out a payday loan at XXXX on XX/XX/2018. I am currently on my 3rd consecutive payday loan with them. The store even wrote on my receipt when I took out the loan that it was loan 3 of 6. The Indiana Small Loan Law document that they attach to your contract, states the  company is required to offer an extended payment plan at the time you enter your 3rd, 4th, or 5th consecutive loan. I went to the store on XX/XX/2018 to make a payment on my loan and was told I was ineligible for the extended payment plan until I take out a 4th loan. The manager stated she was sorry I misunderstood the Indiana Small Loan Law document, because XXXX starts their loans at number " zero '' so even though this is technically my 3rd loan, they consider it number 2. I asked the manager if she could hold the check until XX/XX/2018 and I could pay off the balance. She stated she could not do that. I know they are able to extend your due date from 2-4 weeks because I have taken out loans with XXXX in the past when I was paid monthly and they would have me due in 4 weeks instead of 2. The manager stated they could not work with me and that my check would be deposited on XX/XX/2018. She said once the check is returned to them then they would offer me a payment plan with an additional {$25.00} return check fee. I called the corporate office and they just called the local store and talked to the manager and reiterated what the manager had already told me. I believe this is deceptive practice by XXXX. They start you out at loan number " zero '' to extend the number of loans you have to get before utilizing the extended payment plan.
I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXALLY FINANCIAL INC XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
This collection is for my wife 's car insurance. I was n't a licensed driver until 2013 and It never went into collection it was a late payment. My wife thought the insurance was paid for the year she said that when the late notice came she realized her mistake and paid it off.
I have a rushcard visa and it took two-three business days to get my direct deposit. I called the customer service and did not get any help. In the process, I was unable to pay my bills and other obligations.
To Whom It May Concern : Diversified Consultants, XXXX, first called me last month stating I owed an outstanding bill with XXXX XXXX XXXX that they were trying to collect on for them. I let them know I did not owe XXXX XXXX XXXX any money. The Collector stated I owed over {$400.00} to them which also included a termination fee. I let her know if I owed XXXX XXXX XXXX money, then she would not be getting through to me on my phone. I let her know I was calling XXXX XXXX XXXX and she tried advising me not to call them because they would only direct me back to them, so she put me on hold. I hung up on her and, immediately, called XXXX XXXX XXXX and submitted a complaint with the XXXX XXXX XXXX Representative, who saId XXXX XXXX XXXX has its own accounts receivable deparment when collecting and she the XXXX XXXX XXXX Representative said I did not have any outstanding balance with XXXX XXXX XXXX. The XXXX XXXX XXXX Representative was going to submit this to their fraud department. 

Then, today, I get another call from XXXX, at XXXX XXXX demanding I pay the debt. I let her know I confirmed with XXXX XXXX XXXX that I did not owe any money. She said I owed it and that she was going to let XXXX XXXX XXXX know I refused to pay it. I let her know to go ahead because I already filed a complaint with XXXX XXXX XXXX against her company and I was notifying the CFPB because I do not owe XXXX XXXX XXXX any money. I hung up with her and, immediately, called XXXX XXXX XXXX and talked directly with XXXX, in their fraud division, who was going to intervene to get this company to stop harassing me because I have a XXXX balance with XXXX XXXX XXXX. 

XXXX XXXX had no right calling me again, when I told them not to call me and that I did not owe them any money. They had no right trying to prevent me from calling XXXX XXXX XXXX to verify the balance, which I did not owe. 

Please tell XXXX XXXX to never call me again and to never harass me again. Tell them I do not owe XXXX XXXX XXXX a dime and that they had NO right trying to prevent me from contacting XXXX XXXX XXXX. They had no right trying to force me to pay a debt without allowing me to first verify it with XXXX XXXX XXXX. 

Please tell them to refrain from contacting me and that I do not owe them a dime! It is harassment. 

Thank you in advance for your time and consideration. 

Regards, XXXX XXXX XXXX
I have attached a XXXX documents. The customer service department sent me a message XXXX XXXX attached XXXX XXXX XXXX which clearly states : Your loan has been non-escrowed for insurance. 
However, the company still charged me for insurance from XXXX XXXX XXXX XXXX, see attachment XXXX CFPB XXXX - XXXX, They keep telling me they sent letters. However, their customer service department was negligent by sending me a message the loan would be non - escrowed. I would like my mortgage to be non-escrowed at once.
On XX/XX/2018, I attempted to purchase two tickets on the XXXX website with a Fifth Third Rewards credit card for an event scheduled for XX/XX/2018. Unfortunately, I was charged for four tickets in error. I disputed the charge for two of the tickets through Fifth Third Bank in the amount of {$1300.00}. The dispute was closed on XX/XX/2018 in favor of XXXX with insubstantial evidence provided by XXXX. 

I arrived to the State Farm Arena on XX/XX/2018 at XXXX XXXX  EST to pick up the tickets from Will Call. Upon attempting to enter the venue, the XXXX Box Office representative informed me the total amount of the transaction was refunded to me as a result of the dispute in the amount of {$2700.00} and I will receive it within 7-14 business days. I was also told the tickets I received from the XXXX Box Office were voided and I was not permitted to enter the venue for the event with them. 

On XX/XX/2018, I spoke to a XXXX representative about the transaction. In our recorded conversation, he informed me I was entitled to a refund of {$2700.00} and would receive it within 7 business days. 

To date, I have not received any refund or charge back from XXXX. Fifth Third Bank has not offered me a chargeback and continue to charge me interest for the fraudulent charges.
I sent a dispute to chase auto in regards to account number XXXX and XXXX XXXX XXXX XXXX and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let chase auto send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by chase and there was a 30 late inXX/XX/XXXXfor non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency isXX/XX/XXXXXX/XX/XXXXthey also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. This account should have been deleted
I have had XXXX private student loans with Sallie Mae since XXXX. These loans were reportedly, by Sallie Mae, paid on time, until late XXXX. Payments of {$50.00} a week were sent, which more than covered the agreed amount due each month. 

For 6 years, Sallie Mae only applied the exact amount due each month to the loans, and placed the residual funds in some sort of overpayment account. The loans, for some reason, started to turn up past due, and I discovered that more than five thousand dollars were sitting with their company and not applied to my loans. I was charged interest on a higher principal amount than I should have had. Their company promised that the payments would be corrected, but only after mailing a notorized letter to their company. The excess funds have been applied, after much time spent working with the company to fix the issue, but the problem still persists with my payments showing up as past due. 

I now would like to pay these loans in full, which Sallie Mae requires contact by phone to receive a payoff quote. I have tried to call for 3 consecutive days, and have been on hold for over 4 hours, and I have still not been able to speak to anyone with their company so I may pay these loans off.
Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request” which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I cannot be the only one…The account in question are as follows:ACCOUNTSXXXX XXXX 		          	****XXXX				           XXXX   			****XXXXXXXX   			****XXXXINQUIRIES	XXXX XXXX XXXX			XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXXPUBLIC FILINGS	XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX
Hello, Please see info below regarding the dispute and info i have sent to Citi bank dispute department. But they are saying I need to get in writing from the second dealer who fixed the issue that what the first dealer did was incomplete or wrong. I checked with the second dealer and they said, we have given you all the info you need for this case. It is very logical to understand as our receipt date is after the first, the issue is the same ( meaning it was not resolved by the first dealer ), the parts replaced were different, and what was replaced by first did not resolve the issue. 

Here is the chronology of what happened. 
1. On XX/XX/XXXX, I took my daughters XXXX XXXX XXXX car that showed 'Check Engine Light ' indicator to my nearest XXXX XXXX XXXX. 
2. They ran the tests and told me PCV valve needs to be replaced. I authorized the repair 3. When i got the car back, as they drove it to me, they told me oh the engine light came back on so we need to inspect this further. At this point i had already paid ( {$400.00} ) and was ready to receive the vehicle. They told me to bring the car back in next day for re-inspection. 
4. My daughter took the car in next day ( XX/XX/XXXX ) and on the phone the service adviser ( XXXX XXXXn ) told me that another part needs to be replaced and it will cost me another {$300.00}. I talked with her extensively that how will i know if the first part that was replaced was even necessary when it didn't fix the issue. She said unfortunately this is how it goes and nothing can be done. I asked her about warranty and she said none of these parts are under warranty. At this point i had very low confidence in this dealership and i wanted to take to another dealership. 
5. On XX/XX/XXXX, the car was taken to XXXX XXXX. They inspected the vehicle and said, there is a service advisory on this engine light issue and it will be fixed free of cost. 

I am attaching the receipt and details form XXXX XXXX who fixed the issue for me. 
If you check the service Bulletin, replace PCV valve was only for models XX/XX/XXXX and XX/XX/XXXX. My car is a XX/XX/XXXXmodel and the action suggestion for that is to clean the throttle valve and chamber. 
This proves that wrong part was replaced for my car for which i was charged the {$400.00}. They were trying to get another {$300.00} out of me to replace another part where as XXXX XXXX dealer did all the work free of charge cause it was a known issue with these models. 

The dealer is not willing to work with me on this as i have tried on XX/XX/XXXX. I am relying on Citibank to help me dispute this charge. I have attached all the documents to support my case. 

1. Receipt from XXXX XXXX 2. Service Bulletin
I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX card Account Number : XXXX XXXX card Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine
I just Received notification from a new service that i set Up with Transunion to notify me or if my credit report is requested. I logged In today and discovered inquiries including two that were recently made ( one as early as today ) against my consent and will. I have rtrequested that Transunion investigate and or delete these unauthorized inquiries as i did Not authorize them neither have i consented in any way for this offer fro credit. 

XXXXXX/XX/XXXX ( spoke with XXXX in fraud resolutions who verified this is an error on XXXX part ) XXXX XX/XX/XXXX ( spoke with XXXX is Credit resolutions who stated a request would be submitted to delete ) XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX
Previously an " alleged debt '' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate in what they were doing-Jefferson Capital Systems not only is trying to collect for an " alleged debt '', but they have falsely reported this on my 3 credit reports known as " Silent '' treatment, and " Re-Aged the Alleged Debt '' for 2015-Jefferson Capital Systems is required by FCRA to report ACCURATE information concerning consumer credit files
Company sent right to redeem vehicle to wrong address and I never received bill of sale for vehicle that was sold
When looking for financing to buyout my vehicle at the end of the lease, I relied on the buyout quote from XXXX XXXX XXXX XXXX website that said that the buyout amount quoted " includes any sales tax ( if applicable ). '' I understood that to mean that any sales tax would be included in the buyout amount. In talking with the dealership from whom I purchased the vehicle, they confirmed my understanding In finalizing my financing, however, I learned that what was stated on the buyout quote is wrong, and that I would need to contact the XXXX XXXX. When I called a manager at XXXX XXXX XXXX to discuss the problem and how as a consumer, the language was not clear, I was told " too bad... we do n't want your advice ''. Now, with less than two weeks left, I have to redo all of my financing because I had not anticipated any sales tax in my budgeting.
Equifax keeps deleting good and open accounts from my credit report. they have over 5 accounts missing or been deleted for no reason. I have attached the file for these accounts that need to be added.