WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America file false insurance claim and cash insurance check with my name on it without my approval or signature. Bank of America claimed a property was vandalism on XX/XX/XXXX. A tenant was in the property and this is NOT true. They claim a window, door, deadbolt lock, ac, dishwasher, and light fixture. It 's never been a dishwasher in the property there is no space or connection for a dishwasher. They made the claim in XXXX because they new I had insurance in XX/XX/XXXX and this is the last date they could make a claim. They have no report to verify this claim. They are doing this on many property. I 'm aware that they did it to someone else as well. I surrender the property in a bankruptcy. They did n't take possession of the property until XX/XX/XXXX. Bank America Foreclosed on the property and then filed a report for the last date of my policy. Bank America is making false claim on property because they know that the average home owner will never know. Bank of America did n't have possession of the property until XX/XX/XXXX. They gave the tenant cash for keys in XXXX. This is a false claim.
I had multiple medical issues/visits that were immediate emergency situations, each resulting in high bills. I was told that the bills were under my fathers name and account and that they were going to him. However, they appeared on my credit report with 7 open accounts in collections, all of which I was never notified about or received written notice for. I took the initiative and set up an automatic monthly payment plan to pay it off each month until fully paid off, which has been in process now for the past 6 months. Although I was never notified and was given the wrong information, I wanted to make sure that it is being taken care of and paid off. I have attached screenshots of the open accounts in collections. I have 100 % payment history.
On XX/XX/XXXX, Chase placed a block on my checking account. This was not only inconvenient, as it left me without access to my funds, but it cost me {$15.00} out of pocket because I was in the middle of fueling up my vehicle with a {$1.00} per gallon discount. I was unable to fill up the last XXXX gallons and lost the discount. I called Chase twice, since they hung up on me after the first time. They were unable to advise me why they blocked my account. I asked for a supervisor to explain why the block occurred and was promised a call back within 24/48 hours. The called me back a week later to " apologize for the inconvenience ''. I asked the supervisor why the block happened and the sup told me that not only did she not know, but that she would have to forward my request to yet another department to get an answer and could n't give me a timeline for when it would be resolved. C'mon Chase, not only were you not honest when promising me a timely call back, but you did n't even resolve the issue when you did call me back. In addition, when I called on XX/XX/XXXX I was asked for my name, my address, my phone number, SSN, my debit card number, the expiration on the debit card, the 3 digit code AND the pin number. I gave all this to you willingly to verify my identity. Yet, even with all this information you FORCED me to use an automated system to " verify my identity ''. I advised the phone rep that it was absurd to have me provide the exact same information to an automated system, especially given all extensive list of sensitive information I already provided. They did n't care, so just to get through the XXXX with your company, I provided it..again. Your customer service is absolutely terrible, you do not uphold your commitments, your own employees have no idea how to explain why your processes do what they do, and you cost me money, time, and embarrassment when you declined me.
I was promised XXXX miles on Delta skymiles credit card by American Express if I spent {$1000.00} within a month of subscribing for the card. I spent more than that and per their criteria I qualified ( which their customer service representatives also acknowledged ) but I never received the miles. Now it has been almost four months since I opened that card and I still have not received the promoted miles. I contacted their customer service representative and they said they do not know why that is, but they said they filed a complaint/ investigation. I have contacted them three times at least several weeks apart and I still get the same answer. Now they tell me they " updated '' the complaint and that I should wait 6-8 weeks!! That was per a supervisor! I feel that they are trying to procrastinate until I forget the topic.
I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XX/XX/XXXX.  I have never received an updated report from Equifax or XXXX concerning these matters as of XX/XX/XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least 3x with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : EQUIFAX : XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX : XXXX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX-XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX XXXX I ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX , IL XXXX
I am trying to get a HARP Loan from XXXX, but my equity loan is with SunTrust. 
This problem between the XXXX banks has been going on since XXXX 2015. 
SunTrust was supposed to sign a Subordination for my Equity Loan. 
I sent my check on XXXX XXXX for {$250.00} with the paperwork from XXXX bymail to the bank. Three weeks later they did not receive it. I then tookthe paperwork and new check to the bank and gave it to the branch Mgr, XXXX XXXX. 
I just received another letter saying that the they would not sign thepaperwork because they did not receive the check or paperwork. I havecashed check! It was cashed on XXXX XXXX. XXXX said they could notaccept the canceled check I had in my hand! This is the bank thatactually cashed the check out of my account. So once again I went to thebank and handed a new check and paperwork to XXXX XXXX XXXX XXXX Florida. This again is holding up the HARP loan from XXXX. 
It 's been 4 months because they have either lost or ca n't keep theirpaperwork in order. Then they sent me a letter saying they did n't think Icould meet my financial obligations. Which I have been doing for thepast 20 years and my FICA score is XXXX. Then they sent me theMISSING check back in the mail.
The credit reporting agen cy ( CRA ) wa s contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,    2017. I n the letter I cited FCRA Sect ion 609 ( a ) ( 1 ) ( A ) r equesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX  , 2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX ,  2017, re questing the method of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), t he CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via ce rtified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a t hird dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). The CRA  has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I se nt a written letter to the CRA explaining that the account numbers for  XXXX  of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, pr ess release titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.
Hi, I have worked in public service consistently since I graduated from graduate school in XX/XX/2006, either at a 501c3 organization or the federal government. This SHOULD qualify me for forgiveness, but alas I refinanced my student loan a number of years ago with XXXX who have since sold my loan and it is now housed with Navient. It was never explained to me that I'd be giving up my right to loan forgiveness, and now I'm out thousands upon thousands of dollars. I have called Navient and asked about potential forgiveness and was completely rebuffed. 

I know that there is a lawsuit happening against Navient right now, but is there anything else I can do? 

Thank you, XXXX
XXXX has claimed an erroneous debt on my report. I have absolutely not done any business with them in years they have gotten my name from recent inquiries in like agencies. Please have that information removed.
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX GAP to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
I started receiving numerous phone calls in XXXX. They left voicemails asking me to call them back but never said why they were calling. When I called them back they told me my payment was missed. I informed them that I had paid my most recent payment. The calls still continued. It got to the point where I started saving their phone numbers into my phone as Spam. Again, they never said WHY they were calling when the left messages. I spoke with a handful of different people and had 4 different names and numbers saved as spam in my phone. In XXXX I received a call again and returned it so that I could put a stop to their phone calls. At this point the representative pulled up my history and explained there was a missed payment from way back in XXXX. ( None of the previous reps had stated this ). At this point I secured a payment date and paid on time. I still received another phone call the very next day from the same rep. Again he left a message without the reason for his call. This is ridiculous, time consuming and quite a headache and I do not understand why they call so much, were uneducated as to why they were calling me, and nobody could explain the back-dated late payment.
I applied for an apartment in XXXX, TX. I was denied because of information appearing on the report that they provided to the apartment. First Advantage is reporting information that is not only inaccurate but is also damaging my credit to potential landlords. They are reporting numerous housing debts and evictions to which I have provided court documents stating that I have been a victim of identity theft. They still are refusing to remove XXXX Apts from my consumer file even with the proof that they asked that I submit to them. I am at jeopardy of not only losing out on money but also losing out on a place to stay. They are intentionally refusing to remove the negative items even after the information that they requested was provided. They are also violating my consumer rights under FCRA. They are refusing to remove all information relating to housing debts and evictions that are not belonging to me. I even had to file an Affidavit of Identity theft with the federal government to which was also submitted to them on my behalf. I have emailed First Advantage and I have also contacted them by phone. They have refused to respond to my inquiries and my request. 

***Please note that I provided the criteria to clear the record that First Advantage provided to XXXX at XXXX XXXX. By their own admission from the document they provided to the potential landlord. In order to remove such record from my consumer file, they had to be provided with a letter from the court stating that the eviction was dismissed, vacated or set aside. Clearly from the document I provided, the judgment was release and eviction suit was dismissed. 

I have also attached the court document itself. Now they need to remove this record from my consumer file. They are clearly in violation of their own policy and written word and in violation of my consumer rights under FCRA.
On XXXX XXXX, 2016, I went into my Chase Branch on XXXX XXXX XXXX in XXXX to deposit cash to my account via the ATM. The ATM rejected the deposit stating that this was not an allowed transaction. Thinking something was wrong with the ATm, I went in to make the depoait at the XXXX. The teller prepared the documents for deposit and then told me that the account was restricted and I needed to speak with the Officer on the floor. I went to speak with XXXX, the Officer on the floor that day and he looked up the account and verified that this was the case. He asked me to get ID and then he called the XXXX # on the screen and they proceeded to tell him that they could not advise him why nor could they tell me the reason but that I should wait for a letter. The letter never came that explained why they restricted my account, no advice prior, no notice and I had outstanding transactions against the account. XXXX verified that I could remove the funds that were in my account, which I did, and then I paid my rent by depositing cash to my landlords account instead of Chase pay like I normally do. In the interim I also had XXXX other bills that I paid via debit card and there was funds to cover ALL transactions with the deposit that I was making that day. Instead, they cleared the outstanding transactions the next day with no funds in my account and had the audacity to then charged me an overdraft fee too. They the closed my account on XXXX XXXX and sent me a letter stating that the account was closed due to an overdraft situation, which never would of occurred had they not forced me to remove my funds due to the unknown restriction on my account. Furthermore, prior to my going to the bank that afternoon I would not have known that this was the status of my account. I want to know the reason WHY????? the account was restricted, which was the status on XXXX/XXXX/2016. Not the reason that they put on the letter because that was an after fact - dated XXXX/XXXX/2016 after they made the mess that I am now in. They then turned the account to collection immediately after this all happened without any explanations. I want the negative reporting removed from my account as they did not even give a chance for any restitution but took adverse action to cover their mistake and lack of reporting.
my name is  XXXX   XXXX  I had got my bag stolen and I call the rush card to cut the card off but they left it on and except my money any way and now I do not have  XXXX  payment and I am stranded in  XXXX  Ohio with nothing. I call them and I talk with rep and they told me that they closed out my account they left it open and I do n't know what to do please help
XXXX   XXXX   XXXX   XXXX   sold my account to LVNV FUNDING LLC who in return sold the account to Resurgent Capital I paid the debt in full ( receipt attached ) I requested with all companies to remove this reporting from my credit report and this has not been done   XXXX   XXXX   is still reporting it as transferred debt not as a debt paid in full i want this removed from all credit reporting agencies as this is paid in full! Balance as paid in  f  ul l  XXXX - XXXX -2016 I ha ve submitted request for removal and still no action was taken.
I just pulled my credit report XX/XX/XXXX when I noticed a derogatory mark opened on XX/XX/XXXX. I was XXXX at this time and was just released from XXXX on XX/XX/XXXX. I have no knowledge of this collection.
Sears/Citibank is reporting a balance on a paid account ; I have disputed this account both with the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) and directly with Sears/Citibank and the account is still reporting incorrectly ; I 've attached credit reports showing that the account is reporting correctly with a XXXX balance on XXXX of the XXXX credit reporting agencies but with a balance of {$6500.00} on the third ; the first credit report shows the balance reporting on XXXX, but after disputing directly with Sears, the XXXX credit report shows that the balance of {$6500.00} is now reporting on XXXX and not XXXX, a clear indication that Sears 's internal records are absolutely messed up ; this account should be reporting a balance of {$0.00} on all XXXX credit reporting agencies.
m disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.
I received a letter ( see attached ) which at first glance appears to be a " final notice '' for some sort of loan. It isn't, it's a solicitation for a service from an ambiguous company ( " XXXX  '' ) to assist with an otherwise free, self-service process for federal student loan recipients. 

It includes information that is not publicly available and obtainable only through a detailed credit report ( " hard pull '' ) which may have caused my credit rating to drop slightly in recent months. This appears to be in violation of the Fair Credit Reporting Act.

Upon calling the company, two different call center associates claimed the information in the report was obtained from publicly available information. When I asked where this information was found, neither agent admitted knowledge of the actual source. I didn't get the impression that they were lying about not knowing the source nor realize that the information they are claiming is publicly available, definitely is not, and can only be obtained from a credit report. This suggests to me that the phone agents are trained by a company that knows the information was obtained from an illicit source. No more information about the company is available on the letter. There was not even a return address on the envelope, although the envelope was stamped " mailed from zip code XXXX '' and " U.S. Postage paid permit No. XXXX '' After obtaining and reviewing my credit reports from XXXX and XXXX, and following several obstinate phone interactions, I believe Chase Auto finance may have given information from, or access to my credit report to third parties for this sort of advertisement. Chase Auto Finance has been difficult to work with, failing to follow instructions given to them about my auto loan repayments over the phone, so I wouldn't put it past them to give out this information to third parties who are unauthorized to access it.
In 2010 I lived in apartment that invest with rats in my building management said the build was aloud to leave. Which I did then this was place with a collection agency after the fact. Also the owner no longer own the property.