WillisBack/dataset-financial-user-claim huggingface dataset:
You Bank of America are grossly misinterpreting the order of XXXX XXXX, 2014, signed by XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ), File Number XXXX, regarding Bank of America 's ( BofA ) Credit Protection Plan that I was enrolled in to " protect my credit ''. The CFPB is making all customers like me whole again. This means all fees and interests accrued as a result of BofA 's mishandling of these accounts are to be deleted from the credit reports. That is what I am requesting. I am stating exactly what the language is in Paragraph XXXX of File Number XXXX, and I quote : " With respect to any Credit Protection and Identify Protection Eligible Customer 's Account that receives redress as a credit that decreases the existing balance or charged-off balance, the Bank shall, as permitted by law and in accordance with existing procedures : ( b ) delete the account trade line at each credit reporting agency to which the Bank had previously furnished balance information for the account. '' End quote. So please delete XXXX ( {$320.00} ) regarding me from all Credit Reporting Agencies ASAP. The balance that you BofA are continuing to report to the Credit Reporting Agencies is pure and simple illegal and a gross miscarriage of justice.
My home flooded on XX/XX/2016. I got a check from my insurance company in XXXX. It was mailed to Bank of America in XXXX. They are showing it as XX/XX/XXXX ; however, my contractor has a receipt dated earlier than that. It was lost somewhere in BOA processing prior to XX/XX/XXXX. I did receive about XXXX from them but have n't received anything else. I need my first draw that was clearly outlined in all the documentation they required. My contractor will not start without a draw up front to order materials. My family has lived in a camper for 7 months. I have XXXX children that need their home repaired. Each time I call BOA, the loss claims department tells me it is being reviewed, processed or examined. Today, they told me it is an FHA loan and is being reviewed by the FHA. We are current on our loan. I am not sure why it requires such an examination for me to get my insurance proceeds. I need this process to be expedited, so we have a place to live again.
XXXX PRESENTED ME WITH A BILL FOR {$2500.00} THAT WAS NOT RESERVED NOR AGREED BY XXXX TELEPHONE RESERVATIONS. WHEN THE ON SITE EMPLOYEE, PRESENTED THIS FRAUDULENT BILL TO MY ALLY BANK ( WITH INFORMATION ACCT # S, ETC.FROM A PREVIOUS RENTAL WITHOUT MY CARD OR BANK ACCOUNT NUMBER ON THIS RENTAL MY BANK DEBITED MY ACCOUNT WITHOUT MY KNOWLEDGE AND SEIZED MY FEDERAL MONEY. UPON XXXX XXXX, XXXX, XXXX, XXXX, THEY FAILED THEN XXXX PRESENTED FAKE, CREATED, FRAUDULENT BILLS TO ALLY BANK WITHOUT MY PRIOR APPROVAL.ALLY BANK ACCEPTED THESE BILLS AS REAL AND LAST WEEK AFTER RECEIVING MORE FAKE BILLS WITH OUT MY PROOF OF FRAUD ALLEY DEBITED MY DIRECT DEPOSIT SOCIAL SECURITY MONIES, ACCOUNT TO OVERDRAFTS AND WILL AGAIN SEIZE MY SOCIAL SECURITY DIRECT DEPOSIT TONIGHT AFTER PROHIBITING THEM FROM DOING SO. THIS IS MY FEDERAL MONEY AND ALLY HAS BEEN WARNED NOT TO TAKE MY XXXX XXXX MONEY AGAIN. CAN YOU STOP THEM SINCE I CANCELLED MY ACCOUNT WITH THEM?
I never established accounts or know anything about the following XXXX creditors listed on my credit report XXXX XXXX reported by Equifax, XXXX XXXX XXXX reported by XXXX, XXXX XXXX reported by XXXX
Previous complaint number XXXX was closed incorrectly. 
Experian claimed they needed my contact information however, all of this was provided to them through the CFPB website AND AGAIN HERE TODAY. This credit reporting agency is attempting to resolve their complaints swiftly by closing the case rather than reading the data to make their metrics look well. MEANWHILE ITS CAUSING ME TO NOT BE ABLE TO GET A HOME LOAN. RECTIFY THIS IMMEDIATELY. I HAVE BEEN DEALING WITH THIS CREDITOR FOR 2 YEARS NOW TO REMOVE THIS. I HAVE HAD ENOUGH. 

YOUR COMPLAINT A # XXXX XXXX XXXX XXXX Acct. removed from XXXX on XX/XX/XXXX for incorrectly reporting data under my name. Creditor by law must stop reporting to all credit bureau agencies. To date the creditor refuses to remove from Experian and XXXX report. 
Sent to company Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your specific disputes, your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
I contacted Transunion about some incorrect, inaccurate, and fraudalent data on my credit report and I also contacted the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Transunion to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit against the agency my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Transunion. The collection agencies are  XXXX  accts with  XXXX  for {$600.00} and {$770.00} and a rent debt account for {$300.00} that was settled in court and they sided with me. And a   XXXX   XXXX   for {$600.00}.   I 've filed a police report for ID theft and a report with the federal trade commission as well.
I 'm logging my official complaint with the CFPB regarding the Equifax data breach and their handling of it i.e. delay in notifying consumers and/or the proper authorities about the leak, improper/ineffective response to the leak in supporting consumers affected by the leak, and an outright disregard of the consumers they 're expected to protect. 

At present, I have no way of knowing how my information has been compromised in the slightest degree. I am faced with preemptively securing my identity and my credit from improper usage. This has taken hours of my time so far and will continue to require untold hours to resolve.
On XX/XX/17 I responded to a mailer that I received from Citizens Bank to open up a Platinum Checking account and get paid a {$250.00} bonus for doing so. This offer was also online at the time. I went to my local Citizens Bank branch to open up the account, but was told that I had to apply online. So I went home and applied online. The fine print for the {$250.00} bonus stated that you had to make a single direct deposit of {$500.00} or more within 60 days of opening your first new Citizens Bank Platinum Checking account. So, I complied with this by having a direct deposit set up. The first direct deposit was credited to my checking account on XX/XX/17. I was supposed to receive the {$250.00} bonus within 90 days of opening up the checking account. When I did not receive the bonus, I called customer service at Citizens. They contacted their marketing department for me, and were told that I would not get the bonus because I did not enter an " offer code '' online when I applied for the checking account. I told customer service that there was never an " offer code '' associated with this offer, especially when I was online applying and entering my information. They said to email the " office of the chairman '' at Citizens Bank, which I did. After emailing that department, I received a phone call from XXXX XXXX at XXXX. She also tried to convince the marketing department at Citizens to pay my {$250.00} bonus, but they failed to do so. I am asking the CFPB to make Citizens honor their offer to me by paying the {$250.00} bonus that I earned by opening up a Platinum Checking account.
did not remove these fraudulent inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  XXXX XXXX Inquiry from JXX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX 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 XXXX XXXX XXXX Inquiry from XX/XX/XXXX + 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 XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX
I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX. 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.
XXXX I opened the Citi Gold Checking account through a promotion offering XXXX XXXX XXXX miles. I completed the application using the appropriate promo code and took screenshots throughout the entire process detailing the promotional offer and the rules concerning it. I had to spend {$1000.00} on the debit card and complete XXXX bill pays within three months. 

After the application was approved and I had created my online access, I sent a secure message to confirm that the promotional offer was indeed attached to my account and to reconfirm the promo rules. The secure message agent at Citi confirmed the promotional offer for the XXXX miles was attached to my account. A few days later I chatted with a Citi agent to check on the progress of my promotion and what I had completed so far. Again I was assured the promotional offer was attached to my account and I was told I had charged a few XXXX dollars to the debit card and had completed XXXX bill pay. After completing the requirements XX/XX/XXXX, I sent another secure message to Citi to inquire how long it would take for the miles to post. I was told by this agent the following : " I have submitted an investigation to confirm you have completed the required behaviors and qualify for the miles to be awarded to you. '' I then received a communication from Citi saying, essentially, I would not be getting the miles. This was despite the fact that several agents had told me otherwise, and despite the fact that I have screenshots of my application process proving I correctly applied using the promo code. 

Since then the service at Citi has been pretty poor. I continue to get canned responses and no specific reasons as to why the offer wo n't be honored. Agents have assured me a follow-up investigation was opened, but it has been over two weeks since that happened and I have gotten no response. I feel I am being taken advantage of. Had I known Citi would not honor the promotional offer I applied through, I would have left my money in another savings account earning higher interest. 

To top it off, my wife applied for the exact same promo offer on the exact same day and completed the requirements in the exact same time period and she has already received her bonus miles. So there is clearly something wrong on Citi 's end. 

I would really appreciate some real help with this issue. I feel like Citi is not giving that to me, and is not holding up the bargain.
Despite having Federal Flood Insurance Specialized Loan Servicing placed forced flood insurance on our house. Since there was a change in the amount of the payment they cancelled our automatic electronic payments. After submitting proof of coverage they removed the forced flood so I asked to have Automatic payments applied again. SLS indicated that it would take more than a month for the electronic payments to be reestablished I made the next month 's payment early, recieved a confermation number and verbal ( recorded ) confirmation that is was completed. SLS mishandled the payment, withdrew the incorrect amount of money and applied the money as principal rather than making the monthly payment as agreed. SLS then claimed the monthly payment was not made, made a report to credit reporting agencies and charged late fees. SLS then failed to honor the electronic payment request for the following month. SLS made false statements regarding the situation to myself and made threatening statements to my wife when she called to inquire about the situation.
I attend University of XXXX XXXX in XXXX XXXX, California. I have had accounts with Sallie Mae for a couple years, regarding my student loans. However, throughout the past semester I have been locked out of my account a minimum of XXXX times, requiring me to call customer care and unlock my account. Then I am put on hold for absurdly long time periods for a conversation with an agitated employee that lasts about 2 minutes. Last week I tried to call because I could n't make a payment, in one day I spent over 2 hours on hold with them and never got through. I even waited for 45 minutes the last time before I finally gave up. Because I do n't have time to sit on hold, I have been unable to make a payment as I am locked out of my account. Now they call me with a recorded voice at least XXXX a day, every single day and leave voicemails. I tried to call again this morning and was put on hold for 20 minutes before I had to go to class. It is extremely frustrating, and believe me, I would like to make a payment as badly as they would like me to make a payment.
In XXXX 2011 I was XXXX out to XXXX XXXX. Having XXXX at the time, I called and told them that they needed to cancel my service as I would no longer be needing it as I had XXXX. 

It appears they did not take this into consideration, as I now have this collection reporting on my account. I feel this is wrong, as I had given prior notice of the event - and under military orders, was allowed to get out of the contract. 

Attached are the orders given to me for scrutiny. I wish for the complete removal of the account from all bureaus reporting.
I made a payment to off my account but when I inquired about why it showed XXXX available for usage the agent said my account is on hold and she doesn't know how long it will be on hold.
I had unauthorized charges on a XXXX account ; those charges were paid by XXXX account ; my bank account was accessed to pay the pay pal charges ... my credit union " navy Federal '' has charged my accounts over ~ {$600.00} in NSF fees and overdraft protection fees I. Conjunction with this google play mishap ; they added ~ {$270.00} in NSF fees after I informed them to close my account it was compromised.
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,   XXXX   to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.   XXXX   4. The Bureaus Inc 5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX   1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX     XXXX   accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me
On XX/XX/2018 I paid {$1100.00} to Wells Fargo to cover an escrow shortage which would have lowered my house payment from {$590.00} to {$520.00}. Instead they deducted a second mortgage payment in XX/XX/XXXX ( which I didnt know until I went to pay XX/XX/XXXX ) and placed the balance in unapplied funds where it still sits today. In XX/XX/XXXXwhen I called and realized what they had done they gave me a crap excuse about their system not functioning properly but they would address it immediately and I now had no payment due ( same {$590.00} ) until XX/XX/XXXXbecause in XX/XX/XXXX I evidently paid for XX/XX/XXXX. They said my XX/XX/XXXX payment would be {$560.00}. But they have still not applied any payment to my escrow. I still owe {$590.00} a month and they say they will look into it. This is unacceptable. They say I am now over {$1200.00} short in escrow and still show {$570.00} of the {$1100.00} I paid to escrow sitting in unapplied funds for 4 months now! They refuse to correct this problem while my mortgage payment will continue to escalate. This is an overt mishandling of my funds and it needs to be corrected immediately. I called this transaction in and repeatedly told them not place this money in unapplied funds and was assured it wouldnt. Then I was again assured it was being corrected. Now they will simply look into it?! I will try to get refinanced elsewhere even though theyve held my mortgage for 15 years.
On XXXX/XXXX/XXXX, I applied for the XXXX XXXX Credit Card ( application ID XXXX ). Two weeks later, I had not seen a decision so I called and spoke a representative who requested me to upload my income verification for proof of income, which I did. The next day, I called and they advised they had not received it so I uploaded it on the website and emailed it to the email address provided. The rep verified receipt and advised an underwriter would decide in 2-3 days. On XXXX/XXXX/XXXX, over a month later after my application, to supervisor XXXX XXXX who advised that they still had not received my proof of income and that the application would be denied because of that, although the prior representative verified receipt and my document was uploaded on their website. It is completely appalling that a company can just string people along like this with no repercussions.
Greetings, I send several letters with regards to getting information regarding the status my accounts. 
Navient did not response to any of my documents send to them certified mail with return receipt received by Navient on XX/XX/2018. I forwarded all my information to the 3 credit bureaus as well. 

In addition to my letter, Navient reported inaccurate information on my credit report soon after I ask for current status regarding the account ( s ) open in question.

Never received a bill, late payment notice of 30 or 60 days etc ... Just 1 letter was send by Navient after I send my request for validation of accounts did they threaten to report delinquency on my credit report. 
Please see all documents uploaded on this complaint.