WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my secured credit card account with BOFA on XXXX XXXX. I spoke with a representative who told me that processing time would take 14 days at which point the prepaid funds in that account would be deposited directly into my checking account. Apparently a physical check was issued to my address on file ( which was incorrect ). I was not contacted and told that a check would be issued instead of a direct deposit into my bank account. After 18 days of not receiving my money, I contacted secured credit services and spoke with another representative who informed me that they would have to put a stop payment on the check and reissue a request for the still owed funds to be deposited within another 14 days. I requested to speak with a supervisor and after a lengthy conversation he " expedited '' my request and told me it would instead be processed in 3-5 business days. 5 days comes and goes and I still have not received my money, so I contacted the bank for the third time and after hearing my problems a rep informs me that it will take another 10 days and that she was unsure why someone had misled me a second time. After asking to speak to a resolution manager I am told that it can take 5-7 business days to deposit the money owed and that she was also unsure why the expectation was set that I would receive owed funds in my account within the suggested time frame. Because I was not ever once contacted, I was unable to prepare for expenses ( as I was assured that the money that Bank of Amerca has been holding onto for over a month would be deposit within a timely manner ) and now am incurring late fees daily. I understand that there are processes in place for a reason, but those proccesses do not seem to be universal and change each time I speak with someone new. Had I known that this would be the case with BOFA, I would have already closed my bank remaining bank accounts as I can not trust that they will keep to their word and not hold onto my money for seemingly no reason. I have been loyal to BOFA since 2011 but am becoming increasingly frustrated as this has had a direct affect on my quality of life.
This is now going on 3 years, XXXX has removed this debt, but TransUnion is still showing as an open item.
TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the  courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XX/XX/XXXX Received email from BOA act overdrawn, due time a XXXX illegally went into my account without my authority and debited funds for {$150.00} per statement Processing Transaction layer CHECKCARD XX/XX/XXXX XXXX XXXX XXXX XXXX FL activity type debit status type icon pending Processing. Select to mark activity type debit XXXX CHECKCARD XX/XX/XXXX XXXX  XXXX XXXX  XXXX FL as Reconciled XXXX XXXX negative {$77.00}. 
When I contacted BOA was on hold over 20 min then transferred to their fraud dept-spoke with a XXXX XXXX as she said there is nothing they can do until the transaction goes through.I suggested to close and reopen new debit card as this company has access to my debit card from a purchase of med supply for XXXX. NOT fair when this has placed my account in a " negative '' and no funds available to me.nBOA could have stopped the PROCESSING transaction from coming in as they chose not to. How can BOA authorize XXXX to take control of my act and leave me with no funds? BOA did absolutely nothing and aware. After my research this company has a 1 out of 5 rating and illegally taking funds from customers act and apparently an issue. BOA did not make any efforts in trying to resolve and left me without funds due to a unauthorized transaction. NO pmt pattern of such as they allowed me to have no funds available. I also went into the bank as the called a XXXX in the claims dept as he also did absolutely nothing to resolve issue as BOA will sit on this and wait until this transaction go thru and wait until they hear from the company, not fair.
I actively XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX  ( XXXX ) run by Coinbase, a US company based in XXXX XXXX. My account was initially funded via a linked XXXX  checking account from which wire payments and ACHs have been initiated and settled without any issues. The following incidentis the first issue I 've experienced with their platform.
On Monday, XX/XX/XXXX, I attempted to link an additional checking account with intent to initiate a wire transfer onXX/XX/XXXXafter the Labor Day holiday. To confirm ownership of linked accounts, Coinbase asks you to confirm small transaction amounts in your account. The credit union that services this additional checking account had shut down its online banking system over the holiday for scheduled maintenance and I was unable to confirm the deposit amounts immediately.
However, from this point forward, I was unable to execute any trades on their XXXX platform or transfer funds ( virtual currency or USD ) in or out of Coinbase or XXXX. I opened a support ticket and went through the suggested steps to fix the problem on my own.
An automated prompt indicated that it may be an issue with identity verification. For example, if the credit union only had my middle initial on the account 's signature card, Coinbase may be unable to verify that with the driver 's license I submitted which has my full middle name. Furthermore, the inability to immediately confirm the deposit amounts may have triggered something in their fraud or compliance process.
After re-uploading my ID verification materials and removing the newly added checking account, my Coinbase and XXXX accounts were still locked down. I currently have around {$10000.00} USD worth of assets in an account on the XXXX platform.
Coinbase/XXXX  support has been unresponsive, with the exception of automated replies ( case # XXXX ). They do not have an option for live chat or telephone support.
I have contacted this company a total of 4 times. Each time, the fraud department said that it was an accident and they would remove it from my credit report. Each of those 4 times, I've waited 30 days and the credit inquiry still stays on my account. I'm not sure what to do at this point. Someone in the fraud department says it will be removed, but it still isn't getting removed. This has been on my report since XX/XX/2016.
I was sent a letter from XXXX XXXX Indicating that I owed them over XXXX from Navient. However I am in good standing with Navient and after checking my account on Navient 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to XXXX XXXX was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.
I 've disputed a XXXX XXXX account with XXXX and Experian multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and XXXX and Experian. XXXX and Experian continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.
I am submitting. New information regarding all charges disputed how I wasn't credited back the money or numerous fees you hit me with
THIS LETTERS COMMING FROM XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX CASE # XXXX AND CASE # XXXX XXXX MAJOR PROBLEM IS NO ONE SIGNED NONE OF THIS LETTERS OR EVEN PUT A NAME ON THEM AT ALL. 


OTHER CONCLUSIONS OF THE LIES AND FRAUD ON THE PART OF XXXX XXXX PERSONEL. THESE ARE RESPONSES FROM BANK LETTER RECEIVED ON XXXX THAT THE CLAIM WAS RE-EVALUTED PER MY REQUEST AND THE DECISION WAS MADE AND APPROVED THE CLAIM. HOWEVER THEY DID NOT APPROVED THE ( 3 ) WITHDRAWLS THAT WERE NOT MINE {$600.00} ON XXXX/XXXX/XXXX AND {$2100.00} ON XXXX/XXXX/XXXX AND {$1.00} ON SAME DAY OF XXXX/XXXX/XXXX THEY THEN SENT A LETTER RESPONSE XXXX/XXXX/XXXX STATING THE ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX AND WAS CLOSED BY THE BANK. NOW THEY ALSO STATE THAT THOSE WITHDRAWLS WERE MADE AT THE BANK AND THAT THE DRIVERS LICENSE WAS USED AS WELL AS A DEBIT CARD ENDING ON XXXX. 
1- I NEVER WHENT TO THE BANK AND DID THOSE WITHDRAWLS.

2- I NEVER HAD A XXXX DEBIT CARD. 
3- I NEVER USED MY DRIVERS LICENSE AS VERIFICATION OF ANY TYPE. 
4- HERE IS MY BEST ONE- I ALWAYS ONLY USE U.S. DEPARTMENT OF HOMELAND SECURITY IDS ( 2 ) HAVE MY PICTURES AND ID NUMBERS AND SIGNATURES BY THE COMMISIONER AND ME AS WELL AS APPROPIATE STAMPS 5- I WAS A XXXX XXXX FOR 28 YEARS.

6- WHAT HAD TAKEN PLACE WAS APPROPIATELY DONE BY ME WITHIN THE APPROPIATE TIME WHEN ALL THIS WAS FOUND OUT AND THE BANK WAS CONTACTED MULTIPLE TIMES.

7- THIS CLAIM WAS NEVER CLOSED BY XXXX XXXX AND ONE OF TH EMAIN REASONS IS THEY NEVER GAVE ME MY MONEY BACK TAKEN OUT OF MY ACCOUNT AND THE BANK NEVER TOOK A LOSS OF {$1800.00} AS YOU STATED ON THE LETTER DATED XXXX/XXXX/XXXX SINCE YOU WERE NEVER TO DEBIT THE ACCOUNT AND YOU CLOSED THE ACCOUNT BUT THIS IS REDICULOS THIS AMOUNT OF MONEY WAS TAKEN OUT OF MY ACCOUNT PERIOD THE BANK NEVER LOSS ANYTHING..
Attempts were made to pay off the amount owed to this company once I had to close the checking account that this payments were being withdrawn from without success over a year ago. I moved from about 1.5 years from that time, but had my mail forwarded to my new address at that time. XXXX XXXX apparently sold this account to Allied Collection Service ( ACS ) ( XXXX ) who has been calling and hanging up on me for the past few weeks. I called back on XXXX/XXXX/XXXX to see what this was in referenced to and discovered that it is the same collection account that I disputed from my credit report about a month ago without a response. The reason for the dispute was due to seeing duplicates of the same account and not having anything in writing from ACS.
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX XXXX from my credit report. They are showing a balance of {$520.00} that has been sold to a collection agency that is also trying to collect this debt. 

Within the allotted 30 days, I received response that it has been verified. 

XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ).

XX/XX/XXXX - Received same letter again simply saying verified. I have still received no method of verification for this account.
NAVIENT has been incorrectly reporting the original delinquency dates for two ( 2 ) old loans. 

I have contacted them multiple times over the past 2 years, showing them a letter from the Department of Education stating that the reporting period for these loans has expired, the history from the XXXX XXXX XXXX XXXX XXXX showing that their account information is incorrect. The customer service department for NAVIENT even found the original date of delinquency, and provided me with a letter regarding it. Despite this, the NAVIENT credit reporting department ( separate department with no phone support whatsoever ) has still not fixed the problem with the three bureaus. I've disputed the information over 12 times in an attempt to fix the issue. 

Most recent disputes : XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) I sent a  certified letter straight to the NAVIENT credit reporting department on XX/XX/XXXX as a last resort. I received a generic canned message saying that " the information they are reporting is accurate '' despite the information I provided them stating otherwise.
The last time I can account for having my Bank of America Card ( BOA ), in my possession was for a purchase at XXXX XXXX, the date on the BOA statement shows XX/XX/XXXX. Please note, I never maintain large amounts of money or transactions in this account. On XX/XX/XXXX, I used my XXXX to make a mobile deposit of {$84.00} ( escrow refund ), I did not need my ATM card for this transaction, so at this point, I had no ideas it was missing. On XX/XX/XXXX, I went to my online banking to verify my balance before making a purchase, and my password was not recognized, I called customer service and learned of strange activity on my account which was four checks in my name, and my name fraudulently signed. I have no relationship or knowledge of the company on the checks. Based on the information from BOA these deposits were made at BOA branches all on XX/XX/XXXX. The person who made these deposits was then able to go to different ATMs and make withdrawals in the amount of {$300.00}, {$40.00} and XXXX. I do not know how the person responsible for this fraudulent activity was able to access the ATM. These are the check amounts : {$690.00}, XXXX, XXXX and {$990.00}, upon learning of this activity on XX/XX/XXXX( Sunday ), I was told by customer service to file a Fraud complaint with BOA on Monday XX/XX/XXXX, which I did. BOA has the capable to view branch photos and ATM photos of this activity but they have refused to do so as part of their investigation. I also made a timely police report. BOA of is holding me responsible for the ATM withdrawals and fees for this activity that I did not do.
XXXX and XXXX XXXX. XXXX acct XXXX with Ditech . We have been trying for over six weeks to get a payoff amount for our house as we are selling it now in 2 days. I have left numerous messges, emails and on hold while trying to do this on the phone for anywhere from 30minutes to over an hour. Left message when I could get through for XXXX XXXX my bankruptcy representative at least twice. Most times I can not even get to her voicemail. They are taking our money but we get no customer service. Yes we are in bankruptcy but paying the house payment ourselves not through the courts.
I have been threatened by my bank of over 40 years by a XXXX . XXXX XXXX of Wells Fargo of XXXX XXXX. I have never cause any issues but the manager stated he will not give me any further monies back from a bank error. attached is one of many communications between myself and Wells Fargo. 
This bank has sent me a credit card every week for months and one they gave me I objected to in order to get a spending card ( a prepaid card for online purchases ) which I required. Then the very next month they took out {$4500.00} via all my checking account money and some overdraft money! Then it took them 1 year and two weeks to pay me back. Even as the manager stated in XXXX, XXXX " Shame shame on us '' this is a very bad mistake. I sent out a letter to the bank executives here in XXXX XXXXXXXXXXXX Branch Manager XXXXXXXXXXXX District Manager XXXXXXXXXXXX Area President XXXXXXXXXXXX Lead Region President XXXXXXXXXXXX XXXX Vice President Community Banking XXXXXXXXXXXX Chairman & CEO and they assisted in this matter and stated thanks for being patience but then a new manager XXXX as mentioned earlier stated that I must never return to the XXXX branch and that that 's all the money he or the bank would pay me for the mishap. Then my home loan was taken from XXXX approx. a month to XXXX a month for the remainder of the loan. The home was purchase and loaned on by wells fargo in XXXX and in 16 years only XXXX was every paid off and we made some double payments in XXXX while we were there in XXXX to XXXX This has been and is only getting worse with Wells Fargo and I have been a customer since XXXX 's to today almost 40years. thereabouts Please would someone help advise us? Would like advise for checking- home loan and missing income. 
XXXX XXXX XXXX XXXX Vet XXXX
Call at least 6 times a day all on different numbers and leave voicemails everyone in a while
RE : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau You people are something else! 

I wrote you and submitted a detailed complaint nearly a month later I got a letter from you saying that my file was not complete, and that I should contact you immediately. I did that. 

The lady I spoke to said she could n't match my name and the file number, no case existed. 
I insisted that there must be or I would n't have received the letter I was holding in my hand. 

After waiting on hold for considerable time she returned to the phone and informed me that YES there is a file. She continued that it is incomplete, so that you folks could n't move ahead with it. When I asked what was missing she told me that she could n't discuss it with me, that I would just have to file another complaint. 

Deciding that I was involved with another worthless, self serving bureaucracy, I decided to not pursue my complaint further. Nobody really cared, just wanted to give lip service to all the wonderful things being done for me. 

A few weeks later I received a second letter that read almost like the first one. After giving myself a couple of days to cool off from the stupidity of all of this, I called again the number provided me in the letter. 

This time I documented the call. XXXX XXXX, 2015 I spoke with XXXX. Again I was told that my name and the number did not match anything in her computer, the case must not exist. XXXX listened while I filled in the background to my call. ( BTW - Kudos to XXXX for a great job ) She said there was another place she could check, it would take some time, asked if I had time to wait for her to go look. ( way to go XXXX! ) Yes, I could and would wait. 

In less time than I expected she was back and said : I found the file It is incomplete ALL that was missing was an email address and a phone number ( Ah-hah! - the secret stuff first lady couldn't/would n't talk to me about! ) Gave me instruction on what to do to take care of problem. 
Said that was all that was needed, and that I would hear from you folks soon. 
I faxed the info within a few minutes of the end of that call Now I get the third correspondence from you folks saying you are closing the case because you do n't have a complete file. 

How did you email me if you did n't get my fax with the " All we need is -- -- '' information? 

It must be dark with your heads so far up your -- -- -- -- Close the case. It is obvious to me that you folks have no intention of looking into this problem and getting me an answer. 
Credit reporting companies must pay your wages. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
I mailed a Mu ltiple Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquires that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  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 must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Citibank sent me a notice on XX/XX/2017 notifying me of a message of account closure. I logged in to see that they had closed my account unilaterally without prior notice. Closure was for non-use. My issue is that I was not notified and given the opportunity to use the account to qualify to have it remain open.

This is my longest running credit and will adversely affect my credit score. Its poor practice to not allow me to address before the account is closed Additionally, when I called to have the account reinstated, I was told the only way the account could be reopened is if I did a full reapplication that includes a credit bureau pull.

Citibank created a situation in that there was no way to avoid my credit score being impacted.