WillisBack/dataset-financial-user-claim huggingface dataset:
nothing has been resolved equifax. This is OBVIOUS. I continue to get there blundering XXXX, long holds, hang ups today!!!! I have been playing phone tag all morning. FINALLYone of there incompetent answers the phone number they toldmeto call XXXX. This XXXX takes my information, tells me to wait, then 20 minutes later. Imbecile hangs up the phone!!!! NOBODY competent let alone intelligent enough to correct there blundering XXXX they SELF-CREATED ajoint account with my wifes information ILLEGALLY in my account. IS that clear or NOT clear?! # I told this last week. WHY would I continue to insult my intelligence with these phony SPECIOUS phone numbers. NOBODY answers. Generic robot generated calls to deceive you to hit another number for more stupidity. SIMPLE, I want my wifes information OUT of my credit report. TODAY, I want a copy ofmy credit file today. THESE idiots have blocked me from creating a generic security account at trustedid.com?! # Run around NOTHING has been resolved!!!! EVEN more outrageous, XXXX website doesNOT recognize me. There blunders toldme they were going to mail me a report number for the correct and/or secure website using the report number. I NEVER received. That was 10 days ago!!!! NOTHING has been investigated, NOTHING has been corrected sloppy inaccurate information is still there. Wrong phone number, MY wifes personal information in MY account. DELETE NOW!!! Plus, your password reset link does NOT work!!!!
TD Bank continues to have an advertised promotion as available here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to TD Bank about 95 days ago and enquired the promotion at that time which, at least at that time was available to new CHECKING account customers. I told the bank that I knew and freely admitted that I did have an account a few years ago, but that I was unsure if the account was savings or checking and asked if the previous account would disqualify me from the promotion. The bank representatives researched the issue and said that there was no record of the previous account and therefore I was eligible. I was surprised, but based upon their instruction, I enrolled in the program and as I went along I continued to ask and mention the previous account ... right up to and including two days before the bonus was to be paid and I always received verification that I was eligible even in light of me admitting that I had a previous account because they had no record of the previous account. Then on the day the bonus was to be paid, I was sent a note saying I am ineligible because I had A previous account. To me it is false advertisement. They are luring me into the signing up, saying I am eligible even when I disclose all relevant information, and in so doing based upon their role as employees and authorized representatives of the bank are presenting me with an offer that I am eligible for, and then after fact going back on their claims. Note that along the way, they issue you a credit card without you ever asking for it and in so doing disqualify you further from their ongoing credit card bonus offers.
During my vacation. I rented a home XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX through XXXX. I agreed to and paid XXXX {$730.00} for the six night stay. In the property description, it was stated that " all rooms had air conditioning and that there was staff on the island dedicated to taking care of all of your needs while staying at our house. '' Upon my arrival, the home was not cleaned and I turned on the air conditioner in the bedroom and it did not work. I contacted the owner and told him that there was an issue with the air conditioner. This was via text. He replied stating that the cleaning lady would be there and she would look at the air conditioner. I stepped out the get dinner and returned only to find that the air conditioner had not been addressed. I called XXXX XXXX and left him a voicemail as well we sent him a text stating that the issue was not resolved. I never heard back from him. I tried calling the cleaning lady repeatedly as well and no response. The next morning I tried calling again both the cleaning lady and XXXX XXXX and no response. I then contacted XXXX to let them know there was a problem and they said I had to deal directly with the owner. I then sent the owner and the cleaning lady a communication that I would vacating the home and that the key would be in the lockbox. I also let XXXX know that I was vacating the home because it was to hot to reside in. 
I ended up checking into another hotel at a much higher rate due to the fact that I had no advance time. 
That same morning I contacted Bank of America to dispute the {$730.00} charge minus the one night stay of {$99.00}. I wanted a partial chargeback of {$630.00}. 
I would like to file a formal discrimination complaint against Bank of America because I feel my dispute was not treated fairly and not properly reviewed. 
Thank you very much for your time and consideration.
Experian has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX XXXX XXXX , XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Experian continues to falsely report XXXX XXXX XXXX , XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Experian, I am attaching the results of XXXX 's investigation of my complaint with XXXX XXXX XXXX , XXXX. XXXX conducted a proper, impartial investigation of my dispute, and deleted the false information from my credit file. XXXX has failed to conduct a proper reinvestigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, XXXX has violated the FCRA regulations, and should be penalized accordingly.
In response to closed complaint # XXXX, the paperwork submitted by Bank of America does not validate the alleged amount owed ( {$880.00} ) on account # XXXX. On XX/XX/XXXX I spent an hour on the phone with XXXX XXXX ( Manager of XXXX XXXX Department ). I was informed that almost half of the alleged amount owed were bank fees. Is n't there a limit on the number of bank fees a bank can assess? Also, why were fees continuing to accrue when the last transactions were in XX/XX/XXXX? I have read of many class action suits where BOA was charged for excessive overdraft fees. Please revisit this account and delineate the fees from actual transactions. Also provide the bank 's policy on fees. Please be advised my next step is contacting a consumer protection lawyer.
I have mailed a multiple inquiry removal letter on   XXXX   in order to dispute information on all  3  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, F CRA 623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the cra mist delete disputed informa tion from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Bank
I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you
A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on in   XXXX  . This debt is past the statue of limitations and o ver 7 years old. Equifax  did an investigation last year and did nothing. The original default date is incorrect, but it shows   XXXX  .
After sending information to verify myself with my disputes XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX, & Transunion has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?
I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have an unauthorized and fraudulent credit inquiry listed on my Experian credit report. The following credit inquiry is unauthorized and fraudulent : XXXX, XXXX/XXXX/17. The credit inquiry do n't belong to me.
XX/XX/18 XXXX has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX ; was never later, but XXXX is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but XXXX reports me owing them.

4 ) XXXX XXXX XXXX sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. XXXX consistently & fraudulently puts them on and off of my report as a charge off.
I called in to Transunion because I was a victim of their inquiry issue section 6-11 of the fair debt credit report act and they refused to remove the inquiries that were n't mine Which are : XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX and  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Someone got hold of my information and opened up lots of accounts in my name and now I have a lot of negative information on my credit report
Re : Unknown/Unconsented wage garnishment To the honorable CFPB, Please be advised that I XXXX, XXXX is a widow and XXXX challenged by XXXX, I implore the CFPB to assist me in recovery of unconsented dispossession of much needed XXXX wage/s by an unlawful debt collection violating the FDCPA and other laws with possible collusion. 
I just started seeing money missing from my pay check and noticed an unknown and unconsented garnishment. I communicated with the Office of payroll and was sent the attachment letter. 
I was never served or received any NOTICE by either parties noted as debt collector ( Sheriff ) and alleged creditor ( MIDLAND FUNDING LLC ) with some sort of judgement. 
This alleged debt is hereby disputed. 
Thank you.
To my surprise, on XXXX XXXX, XXXX, I received a credit score alert stating that my account with Popular Community Bank was delinquent and that my payment was 90 days late. I have never made a late payment on my account with Popular Community Bank, actually, I usually pay off the balance on my account at the end of each billing statement. I have endorsed checks as proof that my payment was received by Popular Community Bank and processed by them on time. As a matter of fact, I sent 2 separate checks during the month of XXXX for my XXXX payment- the above account is in reference to this payment. I sent the first check in the amount {$3200.00} to pay the balance in full and the second check was a {$10.00} payment to avoid any additional fees. Although my first check was received on time, Popular Community Bank did not post it until weeks later and this mistake has drastically affected my credit score. I have spent more than 5 hours on the phone with Popular Community Bank trying to correct their mistake. I have been given the run around, and then told I need to speak with a bank supervisor, who is conveniently not available at the moment. I also emailed 2 different representatives during the months of XXXX and XXXX, and after speaking with them- with a copy of an endorsed check, nothing was done until XXXX XXXX, when in my XXXX Credit stated that the payment was received, but this check was endorsed by Popular Community Bank on XXXX XXXX, XXXX, ( please see attachment from bank ). This mistake has not been reversed with the credit bureau and is presently affecting my score, which I have always striven to keep impeccable. Every time I have called customer service I am spoken to in XXXX ; although, I have continually asked to be addressed in XXXX, the bank representatives still speak to me as if I am an ignorant immigrant. I believe if they address me in this matter, they are also taking advantage of other XXXX customers that may not have the same understanding/education as I have. I am fluent in XXXX and XXXX and I 'm perfectly able to understand the difference between customer service and plain disregard for important information. It is now, XXXX XXXX, and despite many phone calls and emails, this is still inaccurate on my credit report which has greatly affected my credit score. I have copies of all the emails, statements, checks, and reports. I have filed a complaint with XXXX because Popular Community Bank has failed to help me. Popular Community Bank needs to correct my credit score with XXXX, XXXX and XXXX I have attempted many times and spent countless, unnecessary hours trying to correct Popular Community Bank 's mistake- and yet they have failed to reverse it and restore my original credit score.
XXXX is in violation of FCRA, FDCPA and XXXX XXXX Compliance.
CITIBANK Continues dunning calls with implicit threats re : losing information about a debt and the consequences if I do so. I am working with the fraud department of Home Depot. In spite of that I have been getting many calls from Citi agents. They do not communicate with HD 's fraud department. Complete sloppy, emotionally draining over an issue being worked on with HD. Wrongly called me today -- XXXX XXXX as I mourn the recent deaths of my wife and sister. I am an ID fraud victim.
Southwest Credit Systems has refused to remove this entry from my credit report after verbally promising to do so during a correspondence call after the debt was paid. 

Southwest Credit Systems has not provided proof XXXX written documentation ) of assigned ownership of account XXXX validation ) and continues to report a paid debtAgency has not provided appropriate documentation to show how and where the fees came from as it relates to the original debt indicated on my credit report in an itemized statement. 

No itemized information about proof of last activity date was provide to me.
I have my checking account with Bank of America.     I have a payday app on my phone called  XXXX . I use this app when I need more money.      XXXX  on my phone has to basically dial in to my checking account and pull banking information such as direct deposit, ACH of funds and Current Balances.      XXXX  has repeatedly has had instances where it can not pull current information form Bank of America to function properly.
My mother died on XXXX XXXX, 2015. I went to her bank on XXXX XXXX and took a death certificate and turned in her credit/debit card. I asked the banker what we would do about her funds ( checking and savings ) and they told me I would have to go through probate. So I hired an attorney and we did that. When the small probate action was completed I was told to open a checking account for my mother 's estate and to get an EIN number. I did that at a bank where I live. We faxed the documents to the bank in Oregon. I called them on the phone from my bank to let them know what I was doing. The manager of my mother 's bank said she would not honor the probate because my mother had something called a POD stating that she wanted her money to go directly to her XXXX daughters. I asked her why they told me to go through probate and she said she was not the manager at that time. I talked with the probate attorney and she subsequently called the bank and was told the same thing. I have tried for several days to call my mother 's bank but the manager will not return my phone calls. I have called their national call line but was told that they could not help me that I had to talk to the branch.
The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
Chase Home Finance Foreclosed on a mortgage which had been rescinded. The XXXX descision of the US XXXX court and the TILA indicate that:1. Chase and it 's Foreclosing Law Firm, XXXX Wisconsin did perform a wrongful foreclosure, eviction from my family 's homestead. 
2. Chase Home Finance did not provide a " satisfaction of Lein ''. 
3. Chase Home Finance did not return payments and fees as required by TILA regulation z. 
4. The XXXX XXXX courts, being familiar with the Rescission document proceeded to railroad the foreclosure with a replacement " sniper judge '' who also said she had reviewed the documents in the case, proceeded to deny me access to the court by warning me to not object. 
5. Chase Home Finance and the XXXX XXXX Sheriff sold the home over my recorded telephonic objections in the telephonic presence of a notary public wherein I specified a fee for wrongful sale of the property. That fee has not been paid as is required by my " terms of wrongful sale '' of the property. 
6. Chase Home Finance did not counter sue to void the rescission. 
7. Chase Home Finance did not return the canceled note as required by TILA regulation z. 
In summary Chase Home Finance is in violation of TILA Regulation Z.
Our current mortgage service has been problematic since the onset. They have claimed we were behind on payments for the beginning. We have exhausted all means to rectify the issue and have had no help or resolution. We have consistently requested an accounting for the payments we have submitted and they will not provide the information. Due to the companys start up nature, they are not effective at communicating with customers. We were facing financial hardships while out of work for XXXX issues, they would only offer a modification to the loan and no forbearance or deferment. Causing a worst financial situation for our overall experience, they sent our loan to a lawyer and treathtend foreclosure on 3 occasion. We have settled all back payments, however we believe we have over paid and they will not send us an accounting for our account.
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is Hunter Warfield , Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX XXXX
1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Onl y  XXXX  that sho uld be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only   XXXX   that should be on their is   XXXX   XXXX   XXXX   XXXX
I have paid all accounts from my Equifax report for XXXX XXXX Emergency. They have yet to update my credit report. They said it would be 30 days and it 's been almost XXXX. The collector is XXXX XXXX XXXX. They are holding up my mortgage process intentionally. Also they failed to send my itemized receipt of payment.
On   XXXX   XXXX  , 2017 my daughter had her wallet stolen. The  XXXX  incident report is number  XXXX  from district   XXXX   reported by officer  XXXX . She was secondary user on my   XXXX   XXXX    reward MasterCard  issued by Barclay. I called to report it stolen and at this point I wanted to close the account. The thief used the card and charged {$83.00}. I was told not to worry as that would be marked as fraud and I was not responsible for the charges. Then the {$83.00} was debited from my checking account as I did have automatic payments on my account. I called and was told that the first person did close my account but did not flag the fraudulent charges correctly. I was told they could not credit my checking account back the money and would see about getting me a refund for the fraudulent charges.They wanted to credit the charge card but it has been closed. I asked if they could send me a check. I waited and nothing occurred. I called again and was told they could reverse the debt from my checking. It was refunded back to my checking. Now I have received an email that my account is 2 months overdue. This has now affected my credit score and dropped it over  XXXX  points. I need to have them fix this account by marking those charges correctly as fraud. Then they need to show my MasterCard account as currently and never overdue. They must then fix my credit score.