WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America has repeatedly engaged in unfair, poor, and deceptive practices. 

During the time when XXXX was assigned as the Customer Relationship Manager ( CRM ) /dedicated single point of contact ( SPOC ) between XX/XX/2013 and XX/XX/2013, Bank of America committed multiple acts of fraud by misrepresentation and omission. Specifically, XXXX issued multiple MHA HAMP denial letters on appeal contradicting the XX/XX/2013 Appeal Report. 

It appears whenever the Appeals Department issued an update regarding the appeal review indicating more time is needed before a determination can be issued, XXXX would issue a MHA HAMP denial letter representing to me l had been denied MHA HAMP on appeal. A classic tit-for-tat move designed to mislead and deceive. 

XXXX, as the SPOC, is prohibited from conducting appeal reviews on this account. Furthermore, it is not the duty or responsibility of the SPOC to issue determinations on appeal. 

Also previously mentioned resolutions are desired and mandatory.
It was an insurance claim which they paid, and I continue to get threatening letters, calling the dentist several times and well as AmerAssit A/R solutions. Both XXXX are at fault and I am the victim. What even worse I am in the middle of escrow so this potentially could hurt me buying a my house. Please help
In XX/XX/XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XX/XX/XXXX ; he deployed shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XX/XX/XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )
I received a PRE-SELECTED loan offer, after Goldman Sachs accesses my credit and needed to provide a firm offer of credit. They declined my application because I have over {$500000.00} in a CD with them, and apparently their system is unable to handle two accounts to the same email. 

Im totally fine if you cant make me a loan, because of your incompetent systems inability to allow two products. BUT, do not illegally access my credit and send me a false preselected offer if you are unable to fulfill it.
I paid our loan on time via automated phone system. Over a month passed when I started getting calls our payment was late. Spent two weeks being told I was fine but still getting collection calls. After a month of trying to figure out what was going on I was informed the phone payment did not go through as it was a bad account number. This was almost two months after we made the payment to finally get this information. I spent another few weeks calling and getting promises but no replies from GM Financial to correct late reporting issue. The last communication I had with them was they were reporting me 60 pass due and there was nothing they could do for me. I requested a manager call me and again was promised I would get a call back ... .after two more weeks and never getting a call back, I just made three payments. 

Do not consider the fact that it took them over a month to clear a payment and another month plus of confusion and no replies that I should get reported 60 day plus pass due.
I have 10 transactions that are payments made to a company called XXXX XXXX. I have ordered from this company for years. The way the company works is you make a purchase to reserve an order of bulk meat that will come a few months in the future. XXXX  is essentially cutting out the middle man grocery store and delivering from the farm or supplier. They abruptly shut down the website/company with a simple message that said they are no longer in business. I was scheduled to have 10 orders coming! I immediately filed the claim with full documentation to my bank. Documentation including charges, confirmations of orders and scheduled delivery dates that never happened. The bank gave me a temporary credit and is now denying my disputes saying it is outside of the time frame. The nature of this company is outside their time frames, I filed immediately. Literally the day it closed. I have escalated it with not much help. These were not pin pad transactions so I was hoping that would help. We can not take a loss {$940.00}!
My previous CFPB complaint ID is -XXXX. ( XXXX ) -XXXX. ( XXXX ) -XXXX. ( EXPERIAN ) Also, XXXX XXXX Account Number : XXXX CFPB Case Number : XXXX I will file a complaint again because it has not been resolved yet. Anyhow, I have received a confirmation letter from XXXX XXXX on XX/XX/XXXX. 

They told that In your letter, you indicated our credit furnishing is still showing as Settled in Full. We regret any inconvenience this matter may have caused. As a result of your inquiry, we have asked the credit reporting agencies to update their records regarding your XXXX XXXX account to reflect it as Paid in Full ''. 

But after 30 days I looked at the credit reports for each agencies and found out that they were still not yet correct. 

Please, refer the following statements to my previous complaints. 

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}.

*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN , " Completed investigation of FCRA dispute - consumer disagrees '' AND XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX " Account paid for less than full balance. '' Thank you.
Incorrect information on your report ( incorrectly shows account still open, inquiries from institutions I never used. ) XXXX  i very XXXX  up ... .XXXX   Compromised my private info including SSN in the largest breach in history. All 3 have inquiries that i never authorized and its affecting my score. 

I am getting turned down for prepaid debit cards ... its ridiculous Transunion is best or most accurate of the 3, XXXX  is 2nd ... .New player is XXXX ... out of Pennsylvania..do n't know how to get their report.
My wife and I have several credit cards that we have charges on that are fraudulent. We were gullible when contacted by phone for grants and internet web site development. We put large charges on our cards to pay for what I mentioned but nothing came about from them. When we filed for a charge back on the cards the banks refused to give us back our money. We want to know how we can get our money back from scammers that promised much and did nothing.
I am disputing my Late Payment For XXXX XXXX because XXXX XXXX supposedly late payment was never on my report until i disputed my report regarding my Late Payment in XXXX XXXX. I was n't disputing it was late in XXXX. I recognize this but they went ahead and put more then XXXX payments late which is n't true. I told all XXXX companies I was going to get a Credit Attorney and Sue for not only falsifying information on my report but categorizing as ( XXXX ) payments late, when it never was. If it had been I would 've disputed. I also believe they may have been removed previously but after carefully reviewing I was n't 30 days past due in XXXX XXXX. My payments are DUE on the XXXX of the month and becomes 10 days late on the XXXX. The following month, if not paid by the XXXX or XXXX however 30 days works out then I 'm 30 Days Past Due and I have always manage to pay before then. XXXX also offers me a Skip Payment that 's moved to the end of my loan, whenever there 's a Hardship but they would n't in XXXX ... You can verify this with them ... 

Equifax & XXXX have updated my report as you can see ... ..because they know this was never there and actually took BOTH LATE PAYMENTS OFF ....
There is an unauthorized credit inquiry on my report. I let them ( JcPenny, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You
This bill for {$130.00} I do not owe.I did'nt ecieve a statement untill 2 years after my appoitment, I paid my deductable the same day of the appoitment, XXXX should have submited the charges to my insurance ( Wellcare ) at that time.I did'nt have that insurance after that year, I had to change it.But they did'nt bill me untill XXXX years after the appointment which I am not responsable for!
The account was open XX/XX/XXXX the amount due is {$360.00}. Ive never purchased gas. Ive called in the past to dispute this account and nothing was done. I have Called again on XX/XX/XXXX to dispute again and nothing happen
ChexSystems has reported information that is inaccurate. Under personal information they display names that are inaccurate such as XXXX XXXX XXXX, and XXXX XXXX XXXX which are not associated with any business nor my social security number seen on attached document chexsystems.pdf. There is also a page that is reporting my address inaccurately including the name XXXX XXXX XXXX XXXX seen on attached document chexsystemsXXXX.pdf. XXXX XXXX XXXX , XXXX is also reporting inaccurate information for a savings account that I had transferred money in and out of. They stated it was account abuse and closed the account without any notification. They also state that the account was PAID IN FULL AND PAYMENT PLAN which I do not understand how that relates. It was a savings account without any negative balance and nothing had to be paid all which can be seen on attached document chexsystemsXXXX.pdf.
COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( XXXX XXXX AND EQUIFAX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.
I forgot the name of the agent, however upon speaking to her several times trying to explain to her that I could not afford any of the options she was giving me. She told me that I had to figure it out ( somewhere along the lines of that ) and then hung up on me. I called back and told her that I no longer wanted to speak with her via voicemail because no one answered. However she kept calling me to the point that I needed to block her number. On top of that, I did not know that I could dispute my debt with the school and there is also a XXXX $ collections fee that I have to pay them just to take my account. I tried taking out a personal loan from XXXX XXXX to pay them. But XXXX XXXX XXXX was not willing to move the date back to clear my loans for the semesters that I was not paying. The letters and phone calls to my house continued with lines that said We recommend that you pay the XXXX $ in full or We have not discussed any ways that you plan on paying when I infact DID tell her how I planned on paying. In my most recent letter she pretty much lied about her not being able to contact me and not knowing how I planned on paying.
Hi, so this company called corelogic credco, based in san diego prepared my credit report for a dealership, where I was applying for credit to finance a car. But the report is showing two mortgages that are closed as open and so those open mortgages are adding to my present mortgage and is showing that I owe XXXX k in real state, which makes my monthly mortgage payment almost XXXX dllrs. So I called corelogic credco and the woman that I talked to pulled the information from the report in front of her, I explained everything in detail, and she found the problem, but after waiting for a long while she came back to the phone and said that it was " a software problem and there was nothing they could do to fix it. I told her that there must be something they could do because it is their software and it is affecting my credit because I had been denied credit in 5 different occasions that I applied prior to the dealership, but her response was the same. she said " I 'm sorry sr but there is nothing I can do, is there anything else I can help you with? '' At this point I was upset, so I hang up the phone.
I received a denial for credit due to " poor credit performance with a Wells Fargo credit card ''
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : I have enclosed proof from my XXXX XXXX of it being over 7 years reporting on my credit Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX
U
nder the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, Transunion, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia XXXX
Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income
I have submitted a Complete HAMP Loan Modification Package to Wells Fargo on XX/XX/2016, through my 3rd Party.Wells Fargo received the XXXX Page submission on their Fax No. : XXXX. They confirmed receipt of this Package.I am attaching a copy of the same, for your ready reference. As you can see from there, I am fully eligible for a HAMP Loan Modification. 
However I am surprised to learn today that Wells Fargo declined my Loan Modification saying that : " There is no change in my financial status '' What do they mean by that? Do they want me to lose my job or what? First of all I was never reviewed for HAMP and I am told there is no such condition in HAMP. Are they free to do whatever they want? Have n't they signed up for HAMP and if so, is there no regulator who is overseeing them, for the proper implementation of HAMP guidfelines?
Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets.
On X/XX/2017, at approximately XXXX XXXX, I deposited XXXX ( XXXX ) one hundred dollar bills into the BBVA ATM in XXXX, CA, immediately after depositing the bills, I noticed there was a problem with the machine. The ATM emitted strange noises and the screen showed an error message, Take unrecognizable bills out, but the bills were not returned. The Deposit door on the ATM didnt open, and a few seconds later, the machine gave a message that it was Out of Service. I was frantic as to what to do, and I waited around for about an hour, spoke with two other customers who were unable to complete their own transactions, because of the malfunction with mine. I sent a message through the online portal and on Monday, X/XX/2017, I visited the bank and attempted to sort the problem out in person. The employees were dismissive, and wouldnt give me the time of day, rudely stating that they couldnt help me, because my problem was an ATM issue. After contacting the BBVA call center, numerous times, dealing with hangups and less than enthusiastic call center agents, and agents in the dispute department, finally on X/XX/2017 my deposit was credited to my checking account. Unfortunately this was not the end of this nightmarish experience. I was still charged NSF on that very same day, and additionally on X/XX/2017, well after there was money in my account to cover the charges. On XX/XX/17, I spoke with an representative of the bank, who identified himself as the XXXX XXXX, manager of call center in Puerto Rico. I ask XXXX XXXX about credits for the NSF charged by my financial institutions, and he told me It is policy not to credit insufficient charges ( outside of BBVA ) that  customers experience from a ATM malfunction. I asked him to provide evidence that this ridiculous claim was true, and his response was Its just known. He also told me that I had received all of the BBVA NSF that i was entitled to, but I received only XXXX out of XXXX NSF. While all the financial institutions that I am a customer to, expressed regret for my troubles, they will not reverse their fees, even though I am able to submit a letter from the bank showing a dispute and that the action occurred through no fault of my own. It seems that I am being penalized for BBVA faulty equipment and slow processing times.
I disputed with  Trans Union  on  XXXX / XXXX /  XXXX   inquiries that were not authorized done by  XXXX   XXXX   (  whom agreed in a previous CFPB complaint to delete said entries )  Trans Union  responded on  XXXX / XXXX /  XXXX   only have deleted  XXXX  out of  XXXX  of the inquiries, even though I submitted evidence from the CFPB complaint including a letter by  XXXX   XXXX  indicating that ALL inquiries by them would be deleted. Attached is the  XXXX   XXXX  letter of delete and the deficient response letter from  Trans Union  that did not do what  XXXX   XXXX  indicated on their letter.
The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then XXXX only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).
I have attempted to have an account from XXXX XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX   or XXXX XXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XX/XX/XXXX. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through XXXX  XXXX XXXX XXXX, I see that XXXX XXXX XXXX  is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.