WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a bar in XXXX NC which was owned and operated by XXXX XXXX XXXX. The company bank account was with Banks of America as was my personal account. I took out a credit card with the bank for the company which was to cover any unauthorized overdraft facility with the companies bank account. 
The bar failed and the credit card had some {$3000.00} outstanding on it which the company could not pay. 
Bank of America accessed my personal account and deducted {$500.00} from it to set off against the credit card debt of the company. I have repeatedly advised the bank that I did not recall giving or signing any personal guarantee for the company credit card debt and asked the bank to forward to me a copy of the signed guarantee. 
This request has been put in writing on XXXX occasions over the past year yet the bank have to date not provided a copy. I have therefore requested repeatedly the return of my {$500.00} taken from my personal account and the bank have simply ignored me. I also asked them who I needed to contact to get this matter adjudicated and they did not respond. 

as I do not recall signing a personal guarantee for the company credit card and the bank are unable to provide me with a copy of that document I seek to recover my {$500.00}
My wife and I have had an account with Wells Fargo ( formerly Wachovia ) for about 28 years. I deposited {$11000.00} into the account. Well Fargo froze the account " in case the money is XXXX. '' About this time, my wife wrote XXXX checks, # XXXX for {$1500.00} and # XXXX for {$2.00} to a contractor. The contractor tried to cash the checks and his bank said that they were not being honored by Wells Fargo. Unfortunately, the contractor asked my wife for XXXX more checks for the same amount and she complied ( numbers XXXX and XXXX ). I called Wells Fargo and asked why they did n't honor the first checks and they told me they were concerned that about the deposit being drug money. I pointed out that there was already a balance of more than {$4400.00} before I made the {$11000.00} deposit. They told me that XXXX set of checks had cleared, with {$4400.00} being withdrawn from my account and the other set had not cleared. I asked them to stop payment on the XXXX that had not cleared and they said that they would ( Reference numbers XXXX and XXXX ). Later, I saw my statement and saw that all XXXX checks had cleared so that {$8800.00} was withdrawn from my account. I called Wells Fargo twice : the first time the person handling my call for a long time while she talked to her supervisor and told me that they would get back to me. They did not get back to me. I initiated a second call and again I was put on hold a long time while a supervisor was involved and they told me that they were n't going to put the money back in my account ; I should ask the contractor to return the duplicate money. Later, they sent me a letter suggesting that I ask the contractor to return the money. We have had exhaustive talks with the contractor. He had not finished done any more of the job ( front porch ). He did give us {$1000.00} back, but no more. It has been almost two months. I little hope that CFPB can make the contractor do the work. I am hopeful you can persuade Wells Fargo to return the money for the checks they failed to stop payment on. Then, I would only be out {$3400.00} to the contractor.
SUNWEST MORTGAGE. Roof damages and my insurance carrier ( XXXX ) approved a full roof replacement. I had to inform mortgage Company Sunwest about this because the repair check was a 2 party check to me and mortgage company. After filling out all the paperwork, Sunwest informs me that they will keep up to {$150.00} of the contractors money so they can pay their own inspector to come make sure work is completed. I spoke to my loan officer and my insurance carrier and neither has ever heard of this practice. I look at all my loan docs when I signed with Sunwest, and no paperwork shows that if I have an insurance claim that Sunwest will basically take a deductible out for an inspection. Now, I am going to have to owe the contractor up to {$150.00} plus my deductible. Sunwest, stated they do this for the Safety of my family. They will not budge on this. I tried to even explain to them that we purchased a Permit through the county and they actually have an inspector come out and I could just forward them over the county info when completed. Sunwest said no and will still be withholding money from the repair check for their own inspector. 
I feel this is a shady practice and when looking for a mortgage carrier, would have never signed with them if I knew that I would be charged a fee if I have an insurance claim.
I XXXX XXXX tried to open an XXXX XXXX account recently. The banker told me I couldnt because I owe money to their bank! I told them I never had an bank account with them. He said he will check it I said ok he never called back! The bank account has my name but birthday is wrong everything is wrong I want it off my credit. Same thing with chase bank
For months, BOA had been calling and I inform them to stop calling. they stop for a while. When I got out the hospital BOA continued the harassing calls to my house through XXXX card services.This is my XXXX complaint to CFPB to stop them from harassing calls however they continue to call constantly. 

BOA deceptive and abusive practices against XXXX and XXXX especially to money that a consumer do n't owe.
I have been paying my XXXX/Navient student loans since 2007. At one point, I was in forbearance ( for approximately a year. ) I have recently seen reports of the failings of Navient, I 'd like to inquire about my situation in this matter. 

Thank you
I disputed the XXXX XXXX XXXX collection account in XXXX of XXXX as " Does not Belong to Me '' with the CRA 's. They started reporting in XX/XX/XXXX, years after the original creditor, XXXX XXXX, has resolved my CMRRR dispute and removed the debt that resulted from my identity being compromised. XXXX had stopped reporting, then years later XXXX XXXX XXXX showed up on my report. 
XXXX XXXX XXXX failed to respond to my initial dispute so on XX/XX/XXXX I sent them a letter enclosed a copy of an FTC Identity Theft Report, a police report, and proof of identity requesting they delete the account and provide me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit file. I still have not received any response, other than the account being reported as accurate with the CRA 's.
I have sent Experian several documents asking them to remove these items because they were old accounts that were connect wit my Bk that has  discharged  and removed from my credit report 1. XXXX   XXXX  2.  XXXX   XXXX   XXXX   #  XXXX  3.  XXXX   XXXX   XXXX    #   XXXX  4.  XXXX   XXXX   XXXX   #  XXXX
Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named WESTLAKE FINANCIAL SERVICES. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.
Experian insulates themselves from consumers so that there is no way for a consumer to speak with a human on the phone. There needs to be a law that these credit agencies that harvest our personal information without our permission must provide a phone number with a person to speak with to resolve issues. 
I attempted to put a credit freeze on my acct with them and after filling out their online form, got an error message that said " Experian can not honor your request ''. There was no explanation why. They then said I needed to send all of my personal information through the mail to them ( Soc. Sec. number, full name, address, D.O.B, copy of gov, issued Id, copy of utility bill, etc ). This is not information I want getting into the wrong hands. I'm furious that this company is allow to use our ( american citizens ) person information for profit without any accountability. 
So I sent them a written request through the mail to freeze my credit. Instead of mailing me a confirmation that my acct has been frozen as requested, they sent me a credit report??? 
What am I supposed to infer from that? Is it a generic form letter they send to everyone for any inquiry with them, Did someone at experian make a mistake and issue a credit report instead of freezing my credit? I have no idea because Experian will not provide a phone number where the public can speak with a human. I would love to see a class action lawsuit against this company.
I filed bankruptcy on XXXX/XXXX/2015. I check my credit reports and my XXXX and XXXX reports are both reporting inaccurate information. Capital One is reporting a XXXX late payment for the month of XXXX and a 30 day late payment for XX/XX/XXXX on both my XXXX and XXXX reports after I filed my bankruptcy. My bill is due on my Master card ending in XXXX on the XXXX of each month and on the XXXX of each month for my XXXX card ending in XXXX, Capital One is reporting on my XXXX report that my discharge was file on XXXX XXXX 2015, which is inaccurate. I have included a copy of my Notice of Bankruptcy filing for verification. I have called Capital One several time to have them to updated. They have updated but not the correct bankruptcy file date and they are are reporting me as being late. I have never been late with a payment.
I noticed XXXXredit inquirys on my Equifax report that I did not authorize. 
I disputed 5 items on my equifax report on Equifax website XX/XX/2018. 
I checked online communication regarding feedback. 

I have not received confimation of dispute and when I go online and enter dispute confirmation I recieve a message stating that the information I gave does not match with the information they have on file.
On XXXX XXXX, XXXX, Bank of America transferred Loan Number XXXX to XXXX, however, the loan had a ZERO balance. 

On XXXX XXXX, XXXXXXXX was hired by Bank of America hired sale the property at a foreclosure sale. 

On XXXX XXXX, XXXX, XXXX XXXX, substitute trustee executed a Substitute Trustee 's Deed to the Bank XXXX XXXX XXXX XXXX. Instrument XXXX was recorded in the XXXX records. 

On XXXX, XXXX, Bank XXXX was awared Judgment of Possession in the XXXX Court at XXXX, Texas in XXXX court. 

On XXXX XXXX, XXXX, I filed a lawsuit to enjoin a wrongful post- foreclosure eviction. 

In XXXX, The case was removed to Federal Court several times and is currentl pending XXXX, Cause No. XXXX. I filed an interlocutory appeal of the XXXX granting Defendants leave to file an answer to the complaint almost two years late. The Defendants has been represented by the XXXX since the initiation of the case. Attorneys XXXX XXXX and XXXX XXXX were the attorneys of record oon XXXX XXXX, XXXX. However, XXXX and XXXX are no longer with the firm. Now, XXXX and XXXX are the attorneys on record for the case in the XXXX XXXX 

While the lawsuit was pending and being granted Judgment of Possession to the property in XXXX, Bank of America allegedly transferred the XXXX balance loan that was satisfied from the foreclosure proceeds to XXXX. 

Bank of America and XXXX Mortgage arecolluding, conspiring, harassing me to collect a note that was satisfied almost four years ago. 

XXXX is attempting to collect the debt Bank of America collected on four years ago in a foreclosure sale. 

XXXX and Bank of America are committing a fraud, conspiracy, violating the Fair Debt Collections Practice Act, and the Fair Credit Reporting Act. 

My CFPB history, credit reportreports, lawsuits will show that this is DOCUMENTED FRAUD AND COLLUSION. 

Timeline of events since XXXX was transferred the XXXX balance loan : 1. XXXX XXXX, XXXX, XXXX sent a Default letter demanding {$80000.00} and threatening foreclosure. 
2. On XXXX XXXX, XXXX, XXXX as Attorney in Fact for Countrywide Home Loans ( defunct entity ) executed a Corporate Assignment of Deed of Trust in XXXX XXXX real property records, Instrument XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX, Bank of America 's lead counsel in the pending XXXX XXXX suit pending, sent an email referencing reinstatement of the loan that was foreclosed to settle the lawsuit. 

On XXXX XXXX, XXXX, XXXX XXXX, XXXX 's counsel sent a letter claiming they were abandoning acceleration of maturity of indebtedness from XXXX XXXX, XXXX. However, XXXX and Bank of America conceniently ignores the fact that thethe foreclosure sale was completed and Judgment of Possession was granted to the Purchaser of the foreclosure sale. 

I am still residing on thein the property because XXXX XXXX XXXX advised the XXXX XXXX they would not EVICT me while the case was pending. Apparently, they thought I did n't have the fortitude to handle the protracted litigation as a pri XXXX '' litigant ; so they transferred the zero balance loan to XXXX to harass me. 



















XXXX XXXX Firm.
I disputed online XXXX items on XXXX XXXX, 2015. I received a letter in the mailon XXXX XXXX, 2015 dated XXXX XXXX, 2015 stating transunion is writing in responseto my written request on XXXX XXXX, 2015 to cancel my dispute. I NEVERWROTE ANY LETTER ON XXXX XXXX, 2015 TO CANCEL MY REQUEST! 
furthermore, there is no information online regarding my XXXX XXXX, 2015 onlinedispute. 
I demand my XXXX XXXX online dispute being verified for accuracy. transunionhas blatantly violated my rights to dispute inaccurate information byintentially neglecting to reinvestigate disputed items per fcra. Additionally, they have fabricated a lie that I requested to cancel a dispute! I NEVERREQUESTED TO CANCEL MY DISPUTE!
I have called, emailed and faxed to Equifax that they are not reporting my current credit cards, Why is it that XXXX and XXXX can do everything right except Equifax. 
I want my XXXX credit cards that i use to report on my Equifax report. They are hurting my score and paying history because they still to this date after months of telling them to add these tradelines to my report. 

1 ) XXXX Credit Card ... XXXX 2 ) XXXX XXXX ... XXXX 3 ) XXXX ... XXXX 4 ) XXXX ... XXXX
I have an account with Bank of America and recently I got a letter in the mail stating that my credit limit was decreased and that they did a random review and decided upon that. I then called the company stating that because they did decrease the limit my debt to credit ratio will be higher. I was assured because I have not used the card it would not be up. Well a week later I got a statement stating that my bill will go from {$58.00} to {$150.00} this is all in the span of a week. I reached out to several associates including a supervisor and the companies consolidation firm and was told I didnt qualify for anything because I had a great payment history. I was confused because the increase on my low income would be hard to pay considering my budget. I was also told that if I can afford one payment I could afford the other and try government agencies like welfare and food stamps. I have never had a company decrease my limit and had a huge jump in payment when the card hasnt been used in months.
The first they called me they asked me for my 4 digit social security and i didnt give it to him. The guy cursed me out, got rude, and threatened that my credit was going to be reported if i dont pay. Then they called my mom and said the same. When she said this isnt his number they said they dont care and they was going to call me untill they got a hold of me. Before that call i caller then 4 times and told them to take me off a do not call list. They are still harassung me and i has to block them. I see they reporter in my credit card reporting but makes no sense. I paid XXXX XXXX everything owed and there telling me that i have to pay them no XXXX XXXX. That makes no sense. Please help me review this these guys are harassing me and my mon and threatenung ne after tellin  the to leave me alone. I told him i know my rights and they still dont care. One more thing they call from different numbers. My mom owne a busineee and they call her there.
I hired an attorney to help with a modification. Me nor the attorney got a yes or no. They just foreclosed. They dual tracked. I left the attorney. And then tried to go back. He told me to stop calling he can not help or speak to me. I asked him why, and with him being so jittery i asked him if XXXX XXXX wells fargos attorneys, paid him not to represent me he said yes. What didbi expect him to do i would not listen to him. I need help with this.
I am having a problem with Chase Card. They are reporting an inquiry to XXXX that was not authorized by me. Someone accessed my Amazon account and applied for an Amazon Credit Card. I have contacted XXXX and Chase card and neither company will remove this fraudulent inquiry from my report.
****This is An Attempt to Renegotiate Federal Student Loan Debt***** Currently, I am in Chapter XXXX Bankruptcy in the XXXX District of North Carolina - XXXX. While presently none of my Chapter XXXX payments are being sent to the Nelnet, the servicer for my XXXX XXXX Loans, the interest keeps accruing. Currently, my loans are in deferment because of the Chapter XXXX case. Also, I am currently on the PAYE repayment plan for my student loans. I have attempted to see what my current balance is, but because of my Bankruptcy case, Nelnet has block me from accessing my account online. 

I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest. 

Fact is, I have several medical condition including XXXX, which has limited my career options and has been an impediment to advance in my field. While, I hold a XXXX in my field, because of my XXXX, I will likely never be advanced to an XXXX level or XXXX level position because they both require the ability to XXXX. In fact, I am unable to obtain a higher paying management position in my field because of my XXXX. Fact is, hiring managers are prejudicial towards people who stutter. Right or wrong, that is the way our society perceives people who XXXX like me. If need be, I can provide letters from medical professionals and XXXX who can attest to the career and financial challenges that somebody who XXXX experiences. 
On the legal side, my ex-wife consistently engages in family court litigation with me because she does not like sharing custody of our XXXX year-old daughter. She has engaged in acts of parental alienation and consistently makes an effort to drain what little money I do have for a lawyer to fend her off in family court litigation. 

Again, to surmise, I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest.
A credit card from Bank of America is on my credit report. I do not have this card. I beleave my ex wife has it and wont take me off of the card. I am since remarried and we are trying to buy a home but the amount on this card is a real problem.
My last payment to Chase credit card was XX/XX/XXXX and was scheduled to be removed from my credit file XX/XX/XXXX. 
In XX/XX/XXXX I requested my credit report from all XXXX credit bureaus and saw that Chase changed my payment history. It now shows that I was 60 days late by XX/XX/XXXX and then brought the account current for XX/XX/XXXX and XX/XX/XXXX and then went delinquent again in XXXX XXXX which extends the length of time this account remains on my reports. I have requested verification from all XXXX bureaus only to have the status verified and updated the removal date to XX/XX/XXXX. I sent a certified letter to Chase requesting proof of the XX/XX/XXXX and XX/XX/XXXX payments and they have not replied. These 2 payments are not true and were added by Chase to extend the length of time on my report. This account should corrected on my credit reports and be removed by XX/XX/XXXX not XX/XX/XXXX.
I have XXXX credit inquiries from banks that I did not authorize on my credit report. I have tried to dispute these with Experian and they have not removed them. I pay very close attention to credit inquiries and did not authorize these companies. Only the dealer and XXXX XXXX. I have disputed another company in the past with Experian and they refused to remove it at that time as well. It appears Experian does not care if an inquiry is correct or not they leave it on the credit report regardless.
I purchased a XXXX from Best Buy using their 18 month deferred interest agreement. I was unable to pay the balance in full by the end of the promotional period and was charged {$940.00} in interest. I called Best Buy to see if they could reduce the interest payment. On a {$2000.00} laptop, I was charged {$1000.00} in interest.
GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application. 

Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
I was given 60 days in a letter to respond concerning my identity information, which I gave my whole entire information to the company escalation team to improve and or, approve my decision. I was never told that my credit score was an issue, therefore only to verify my identification through my phone number. Although, that didn't matter many times trying to register my phone number correctly and having to be manipulated to purchase phone for better resulted in a phone to my name, now more costly business. I was decline credibility from the company.
I have a leeter from my lawyer and the court stating that they do not report my information, and the information being reported is not mine, mine bankruptcy is still pending, so the wrong information being reported. I would like it removed. I have also included a letter from the FTC about public records being sold to the credit companies