WillisBack/dataset-financial-user-claim huggingface dataset:
I'm still disputing this account after receiving a word document which provided me a view in over billing duplicate codes and no records of insurance funds being received but this office billed. This is inaccurate and I would like to get this resolved ASAP This debt is not valid and I dispute this and a word print out provided doesn't make any sense at all. I had insurance and your states you never received any insurance funds as your records show you billed the insurance two months after the visit. I would like to see the signed authorization, details on the insurance billing. It also appears I was overcharged for code XXXX XXXX XXXX  XXXX and code XXXX XXXX XXXX {$85.00} why would I have been billed twice for these. This is inaccurate information
My personal information and my wife 's personal information was hacked out of the XXXX while I was awaiting my XXXX clearance. I put all of the credit agencies on the 90 day fraud request and told them that XXXX and was providing credit monitoring for 10 years. Yet somehow someone fraudlantly implicated my credit via opening a new XXXX account. All XXXX of the credit report agencies are being non responsive to me at this time regarding the situation and XXXX has said they can see the issue but there is nothing they can do about it.
I am a longtime Honda customer, who drove off with a new, leased car in XX/XX/XXXX, and who continues to make my monthly {$460.00} payments to American Honda Finance company. But my credit report shows nothing about my lease payments from XXXX - present!! I realized this as I got weird information from Planet XXXX, XXXX, NJ salespeople. XXXX  XXXX kept calling me stating they want to give me a new deal. But one salesman said I was not paying my car note! Another said, my bankruptcy will make it impossible for me alone to get another Honda ; said I needed my mom to be a co-signor. This was all said despite, me getting Hondas before, with lousy credit, and despite me getting my mom to also get new cars from XXXX XXXX. So I skeptically got my credit reports from all 3 credit bureaus, only to see that Honda reports my old stuff, but not my most current stuff! I called American Honda and  got a representative who stated they did not report this new activity, because of my bankruptcy. ( Honda is not part of that bankruptcy ). I forwarded an e-mail from my bankruptcy lawyer. It stated what I did : Honda is not part of my bankruptcy plan. Honda is a creditor paid outside of that plan, and thus, may lease/sell me another vehicle. 


Honda claims the car is due back, in XX/XX/XXXX. ( It should have been turned in, XX/XX/XXXX ). But I got such weird, false information from car dealers, I did not take any new deals. But now, as I get closer to XXXX, I want Honda to report my TRUE, new information! My bankruptcy is clear to the world. But my new lease agreement with Honda is secret! ( Thank XXXX, I paid everything electronically, though my XXXX XXXX XXXX bill pay service. That allows a record, but only my OWN, not Honda 's ). I deserve to have not only Honda, but any other car dealer, rightly see my excellent credit with Honda, as I seek to enter a new lease/car-buying deal!
Credit Bureaus told me that XXXX XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments with XXXX XXXX to verify what they is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX  XXXX XXXX XXXX
On my XXXX report I continue to dispute open collection status. The balance is XXXX but remains as an open collection and not closed. Item is not being reported correctly and should be a closed collection because I am no longer responsible for debt.
The checking account I have is with J.P Chase Morgan Bank. Here is a timeline of what exactly has happened over the past few weeks. 
XX/XX/XXXX around XXXX - I had arrived at the XXXX train station in downtown XXXX . I had a decent amount of cash on me and I saw a Chase ATM so I decided to deposit it into my account since I don't normally carry cash on me. I walk up to the ATM, take out the cash from my wallet, and the proceed to count it to make sure the ATM would correctly count it as well. I confirm it is XXXX dollars. I then proceed to insert the money into the ATM. I can hear it counting it from the outside and then the ATM displays the amount asking if it is correct. I look and see that it is, so I hit confirm. After I hit confirm, the screen displays the message " I'm sorry but this ATM is no longer in use, please remove card ''. It releases my card and I take it out. Waiting there for my money to get sent back out, it doesn't. I wait about 2 or 3 minutes and then begin to panic because that was all of the money I had. I go on my phone to check my account to see if it was deposited and I still only had XXXX dollars in it. I got no receipt and an ATM had stolen my money. I then scan the ATM for a number to call which was the service number. I call immediately to let them know. I filed a claim and was then told it would take up to 14 business days to even get a credit for the money that their faulty machine stole. 
XX/XX/XXXX - I had finally received the credit of XXXX dollars into my account. 
XX/XX/XXXX - I receive a letter in the mail stating that my claim was closed and that there was no money deposited from me at that ATM that day. Furious, I call the number on the letter asking why. Basically was accused of lying. I then asked if they looked at the cameras on the ATM because it would show me clear as day counting money, depositing it, and then freaking out after it stole it. I was told they don't look into ATM videos for claims and that I would need to subpoena the video in court. So now it is XX/XX/XXXX and they are soon about to yet again steal XXXX dollars from me all because they can't click a few buttons and watch a video. I will also have to hire a lawyer and take this to small claims court to get what was rightfully mine in the first place. This is theft and stress that I shouldn't even have. I have bills to pay and money is not something to be played with.
I have four now over a week been trying to reach Bank of the West regarding unauthorized charges to my account I have had now a second major issue with this Bank I filed a dispute with the phone customer service representatives and was told that they would be emailing me a Affidavit of dispute since of course I 'm no longer in XXXX wish the bank is well aware of and that I was going to be traveling for work for the next week the bank has since then played games and manipulated me to believe if they were going to be emailing this form the same day that I file the complaint I believe they told me one and two business days they have not emailed the Complaint Form when I called the bank directly they told me that the person that was assigned was all for the day which is very frustrating to me that only one person handles one complaint you know per customer for this whole thing think so I was told another representative would be emailing me that form I called the bank again still not receiving the affidavit for me to file the dispute so it has now been almost over not almost has been over a week and I have about {$200.00} hours worth of my funds that were unlawfully unauthorized taken from my account and the bank is refusing to process the dispute I am extremely upset I will not only be filing a complaint with this Bureau out of the also filed complaints with any Bureau regulating Banks against this company this is the second major issue I 've had I 've never had to go through this much hassle trying to dispute a transaction Bank of the West has got to be the most unethical bank I have ever had to deal with and I am beyond tired of this I am also in the process of Consulting an attorney that can file a lawsuit on my behalf in the state of XXXX against this bank I am sick of these banking institutions taking advantage of its members holding our money hostage just about and then refusing to process transactions and the fact that I have been lied to repeatedly by representative after representative and I can only file a complaint through submitting a particular form that is unacceptable to me I am not in the state of XXXX I am in the XXXX XXXX XXXX region and the bank is very aware of this as they even mailed me my debit card to my new address so should n't be no type of hiccups and hang us about this issue and like I said they told me they were going to be processing the affidavit VA email I have not received it in my primary my all mail or my spam junk mail box at all they have not sent it at all and it 's been over a week I 'm extremely upset and I will pursue this matter to the furthest extent of the law that I am able to.
I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XXXX XXXX XXXX all three credit bureaus have the incorrect date in there system, that reads XXXX of XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with equifax and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
I notified Chase XXXX that we would be traveling and gave them the dates. They cut my card off half way through my vacation due to a randomized account review ; it was unrelated to my traveling expenses. I thought it was very neglectful of the company toward their consumer to not take into consideration that I had contacted them about being on vacation. Each person I have talked to gives me the same answer : it will take 10 days to review it. Meanwhile, weve exhausted our primary fund that we were using and now our backup is on hold. Chase has left their consumer out to dry. XXXX never own another Chase account again.
reopening  XXXX  the  XXXX   XXXX  that has the account in the closure statement is not me.   If you compare th e DOB and SSN they  are not the same and not the same person. You have falsely accused the wrong person and placed lien against the wrong person.     We are asking for you to remove the lien on our home which is not the address or home in the documents or on the credit applications.     We are requesting a letter so we can provide to our title company and our mortgage company that the lien and judgement is not against me the  XXXX   XXXX  in  XXXX  but against the  XXXX   XXXX   XXXX   XXXX  in  XXXX  wa. Please review and compare the application information against my information and credit report- they do not match It appears when the underwriters for  XXXX   did a  public record search on simply the name  XXXX   XXXX   XXXX   they  pulled up information regarding a  XXXX    XXXX    XXXX   (  veteran ) who lives in  XXXX   that  had a civil suit against him in  XXXX  see attached court documents.     Attached also is the  XXXX   County parcel property information o n  XXXX   XXXX   XXXX  in  XXXX  WA.     From  XXXX   XXXX   XXXX   XXXX  WA  per  credit reports and our property information and history you can see  XXXX   was  not in the military and did not nor does he have an account with Chase bank. And Did not and has not ever lived in  XXXX  WA.     There is not a lien on our property per  XXXX  County Records and if there was there would have been some sort of communication to myself and  XXXX  over the pas st 7-8 y ears about a lien on our property- since the Homeowners, bank and  XXXX  County Tax someone would have mentioned it to us over the past 7 years and Chase bank would have also mailed something to our house or contacted us but there has never been any communication with us from any of the listed entities and from the public record search I did there is not a lien on our house.     we went to the  XXXX   County  Courthouse and go copies of all the judgements and court cases against the  XXXX   XXXX  in  XXXX   (  not us ) these are attached- as you can compare the  XXXX   XXXX  in  XXXX  per the  XXXX  credit reports attached does not have any bad credit and did not have credit with any of these companies in the past and therefore we do not have a judgement against us or a lien on our house.       please provide a letter stating  XXXX   XXXX  in  XXXX  does not have a judgement or lien against his property in woodinville and does not owe you money and has never had an account with your company ( and never will ) letter and contact me within  72 h ours.     Since this complaint was opened previously and requested removal over 30 days ago.
I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
I have turned this debt over to a credit management service. I had 2 accounts with  them and they have both been placed on the credit management plan. They are receiving payments from this service on a regular basis, but they still call me multiple times a week. The few times I have spoken to them, they are aggressive and rude. Telling me they will contact my employer to garnish my wages and that I can go to prison for not paying the debt that they are receiving payments on. When I asked to speak to a supervisor or if the calls were monitored, they told me they were not recording the call and I can not speak to anyone in a supervisory position until I pay the debt owed. 

I have now blocked their calls, but they continue to call and leave repeated voice mails. Many times early in the morning or late at night. I refuse to take their calls due to their aggressive nature.
I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information  was reported incorrectly on my credit report and is affecting my score.
I applied for a citigold checking account in XXXX with a XXXX XXXX XXXX miles promotion. I have sent several emails to get these miles posted within XXXX months ( XXXX XXXX ). Now it has been over a month since the miles should have been posted to the account. Citi is still taking out a {$30.00} fee every month for maintenance which I would like back as there has been no " service or maintenance '' provided other than secure messages telling me to wait longer. Attached are several XXXX screen shots.
I have been using a XXXX prepaid card for several years. Mostly so that my daughter who lives out of state can get access to money quickly if she runs short on cash. 
The last three times I have tried to make a deposit to my card, the deposits have been declined by Certegy Check Services , Inc . I keep getting reason code XXXX. 
Since this has happened to my last XXXX deposits, which are small amounts, under XXXX I contacted Certegy to see what is happening. I had to fill out a form to fax or mail with my banks routing and account information, SS # and drivers license info. 
The FAX number at Certegy does not WORK. XXXX. It literally never picks up. 
Calling into Certegy you never get to speak to a real person. 
I am feeling very scammed here with this Certegy company. They are stopping me from using a convenient service that I 've used for five or so years. 
My complaint is not towards XXXX. 
It is towards Certegy Check Services , Inc, XXXX XXXX XXXX, Fl. XXXX
Bank of America closed my checking account, without providing a reason, on XX/XX/2018. I had {$290.00} in the account and they said they mailed me a check on XX/XX/2018 for the amount noted above. It is XXXX XXXX, 15 days later, and I have not received the check. I called them and asked that they cancel that check ( obviously lost in mail ) and issue a new check, or let me go to a branch of their bank and get my funds. They refused to let me go to a branch, and further told me if the check were cancelled I would have to wait 90 days to get another check sent out. This is ridiculous and I'm sure any consumer would agree with me. This is MY MONEY and I want it NOW! All they have to do is cancel the check they SAY they mailed, and call their local branch and give me my money. My next step will be to confer with an attorney and take them to court.
On XX/XX/2017 I received a notice from FIFTH THIRD BANK of an account overdraft. I was quite surprised because to the best of my knowledge all of the accounts I had at one time there had been closed and I have not received any communication ( either electronic, phone or post ) from them in the intervening YEARS until this notice. I went into the bank to discover that there were XXXX accounts ; XXXX checking for my then minor daughter who is now XXXX years old and XXXX savings account for her. When I sought to close the accounts I was told I had to make a deposit to each account to reactivate them before I closed them, and then come back. I did that. When I returned I discovered that the bank had been debiting XXXX accounts $ XXXX/month for at least two years -- maybe more, they would n't show me the records and I have no records of my own since I had closed the accounts ( or so I thought ). I asked for a refund of all the fees since I was never informed that ( 1 ) I still had XXXX accounts open ( 2 ) they were being charged monthly -- which would substantiate the fact that I did n't know they were still considered " open ''. The bank manager wrote his regional supervisor who approved refunding only $ XXXX/account, and yet I know that the accounts were charged in excess of $ XXXX/each, I do n't know the exact amount because I do n't know at what point they deemed them dormant and started charging the accounts. The savings account was my daughter 's birthday money, I thought at the time she could save it and perhaps make a little interest, as I did as a child. It never occurred to me that they could take her money away bit by bit. As it stands, I have no clear idea how much money was in the accounts before, and therefore I have no idea how much they actually owe my daughter/me beyond the remaining {$460.00} in the savings, they cleaned out the $ XXXX+ that was in the checking which is what triggered the overdraft letter.
As I am sure you are aware by now Equifax, a consumer credit reporting agency in the United States, allowed -- through total criminal negligence in violation of laws governing the handling of such data -- for the disclosure of the personal information of about 143 million people both in the United States and abroad. This information included dates of birth, social security numbers, names, drivers licenses, and in some cases credit card numbers. All information that can easily be used to steal and ruin someones identity. 

Through their complete incompetence, these data were made available to hackers through a web vulnerability. It 's unconscionable to me how a company who 's only responsibility is to manage this data for the purpose of generated credit reports were so reckless with where and how the stored the data that this was able to happen in the first place. 

They were also well aware of this months before they made this information public.
XXXX XXXX XXXX XXXX continues to report a balance on an already satisfied in full account. Secondly, the amount being reported is entirely fictitious which has already been proven in the case I opened against XXXX in which the amount COULD NOT be verified and the derogatory credit marking was removed. XXXX XXXX has been contacted numerous times in an attempt to remedy this situation with all attempts being disregarded. A certified dispute letter was sent and return receipt verification did come back. This was even BEFORE they sent this fictitious account to XXXX. This in and of itself violates the FCRA.
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX, XXXX  and XXXX  credit report related to that application XX/XX/2018. A formal dispute of that application was then provided to Capital One to have that inquiry removed. Rather the read the information provided Capital One named the fraud investigator to a non-existing account. Capital One has done this same activity several times in the past and this continues to put the information of our clients and the public in danger. Capital One is in violation of the FCRA and my clients consumer rights.
Cfpb should be more agrassiev against banks because they are going back to XXXX off the cunsumet with high interests rate and late fees and refuse to do anything in case of item not received I placed a order by XXXX on XX/XX/2018 because I never got it therefore I forgot about it now the XXXX XXXX wants me to file a police and go after who ever took it get my money that way resell they really thing I XXXX  to give me such XXXX advise
I have had XXXX experiences with OCWEN Loan Servicing that appear to be related regarding property insurance. My mortgage was structured to have property insurance paid from my escrow account. My insurance company sent a request for renewal to OCWEN to be paid form my escrow account at the time of renewal XX/XX/XXXX. OCWEN failed to pay the coverage and notified me that my property was no longer insured and that I would have to buy property insurance from them. This took several days to clear up. 

I recently sold my property XX/XX/XXXX. I canceled my insurance the day after the closing. Again, OCWEN sent me a letter stating I would have to buy property insurance form them to cover the property, despite having already sold the property and paying off the account. They sent me a certified letter dated 2 months after my property was sold. This is just ridiculous record keeping and the fact that this happened XXXX with their insurance department makes me question the sincerity of a simple miscommunication.