WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my credit from XXXX and noticed they were on my credit report. I have never done business with this company and they never sent a right to dispute. I sent them a certified l letter and and and they never responded. 

Please see the attached documents Thank you, XXXX XXXX
In XX/XX/2018 I was in the market to purchase a home. I shopped around and purchased my home in XX/XX/2018. A credit company known as CBCinnovis ran a hard inquiry on XX/XX/2018 without my consent. I want this removed off of my credit report immediately!
On XX/XX/XXXX, I was to receive a direct deposit for my payroll. Due to a glitch with either my payroll company or my job, the direct deposit didnt process and I received a paper check in the amount of {$990.00}. I was concerned about the best way to deposit it ( my rent was due and I needed access to funds ) so I called Bank of America ( my financial institution ). I spoke with an associate who informed me that if I made the deposit on my banking app before XXXX XXXX Friday that i would have access to $ 200-300 of my funds and that the rest would post Monday night at XXXX. I deposited my check ; no funds were available. I waited until Saturday morning ; no funds available. I proceeded to make several calls to Bank of America customer service. At least three individuals with whom I spoke informed me that my best bet was to go into a Bank of America branch and try to cash the check and then deposit the cash into the ATM. Though I expressed my concern with this practice, I was repeatedly told that it was my only way. I proceeded to take a XXXX to the closest branch that was still open. When I tried to cash the check, I was of course told by the branch that the check could not be cashed as it was already presented for deposit. The head teller at the branch told me that my best bet at that point was to take the check to the bank it was written off of and cash it there. Since that bank was closed, I was informed that the only thing I could do is wait and or try to deposit the check into the ATM. When I deposited the check into the ATM, it showed me at the deposit went through and that {$300.00} was available to me immediately. As multiple associates had told me that the worst-case scenario would be a double deposit that would work itself out Monday night and that I just needed to make sure I only spent the amount of initial deposit, I felt things were fine. Later that night when I went to go use my card, it was declined. I saw that my checking account was overdrawn ( - {$670.00} ). Since Friday, I have made over 20 calls to Bank of America. No one has been able to help me. On yesterday I was told more incorrect advice that after Monday night I would at least have {$300.00} of the available deposit and have to wait on the rest of it, but that all would be well. Today when I woke up it appears that both deposits cleared, one deposit was returned, and a new and full hold was placed on my account for the entire amount of the check. According to Bank of America, I now have to wait until XX/XX/XXXX to see any funds from this check. Ive only done exactly what I was told to do by my financial institution and they offer and Ill solution and no assurance that I can access my funds. I am now looking at eviction, my phone being shut off, and a complete immobilization of my life because I can not access my paycheck that was issued by a reputable nationwide payroll company. I have been a Bank of America customer for 10+ years and they have offered no information as to why this check was subject to such a long hold ( that was placed on it before the double deposit ) and absolutely zero efforts to try and help me.
It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX. 
Bankruptcy chapter XXXX was filed on XXXX XXXX,2016 and Discharged by Federal Judge on XXXX XXXX,2016. 
Credit reporting agencies are reporting my credit scores at XXXX and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
XXXX and XXXX has XXXX unauthorize inquiries that needs to be deleted permanently. 
Experian has only XXXX authorized inquiries and Experian has deleted all unauthorize inquiries from my credit report.Why XXXX and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.
I 've a Bank of America checking and saving accounts. There were XXXX unauthorized transactions, totaling {$2000.00} I called BofA customer service to report the charges. Instead of blocking my card to prevent further use, it was left open. I 'd to log in online and transfer my remaining balance into my other account. 

A claim was filled ( Claim number XXXX ), I was told I would receive provisional credit, but did n't. Bank of America stated amongst many reasons that 1 ) I logged into my account online, 2 ) I was sent a fraud text alert on my number on file, 3 ) that there was a posted/authorized transaction made after the charges in question. I called for the Claim to be re-reviewed, but Bank of America is n't interested in investigating the Unauthorized charges, because they do n't want to give provisional credit, pending the outcome of the investigation. XXXX XXXX called me from the Consumer Response Office, but to my surprise, the claim was already denied and closed, and an investigator claiming to be the one handling the case did n't even know that. That made me wonder if they were actually working on it or just counting days and have a ready made answer for every customer they want to deny. 

Let me state that I promptly called Bank of America the moment I found out my card was missing ; the banker claimed to have blocked the card, and the claims analysts I spoke to, said it was still open and active. I logged online and transferred my remaining balance to my savings account, and that was done after I found out my card was missing and that 's what BofA is regarding as a valid transaction. The number on file ending in XXXX is a home phone that is not text-enabled, so I do n't know who could have responded to a text that can not be received in the first place. Looking at the fraudulent charges online, I called the Merchants and XXXX which has XXXX of the XXXX charges said Bank of America never contacted them regarding the charges, that they are a convinient store and they do n't check ID when using credit cards for most transactions, thus fraud could have occurred. 

So the question is, if Bank of America never contacted the merchants, never did any investigation, how was my claim denied? On an information without hearing from the Merchants? 

It is evident that Bank of America rushed to conclude the investigation, so as to not be liable to issuing me provisional credit, as stipulated by the cardholder 's agreement, pending the outcome of the investigation.
The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc.

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:

1.) XXXX shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with XXXX.

2.) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. It is in fact a business account, not personal, and thus, should have never appeared on my personal credit file. 

3.) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

4.) Any inquiries, two or more years old, should no longer be showing on the account

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.
I MADE A PAYMENT OF {$800.00} FOR MY CREDIT CARD HSBC ( XXXX XXXX ) THROUGH MY XXXX CHECKING ACCOUNT. XXXX XXXX TOOK OUT {$800.00} FROM MY CHECKING ACCOUNT ON XX/XX/XXXX. I CALLED XXXX XXXX  ON XX/XX/XXXX, THEY DID NOT RECEIVE IT. HSBC HAD VERY BAD CUSTOMER SERVICE.MOST OF CALLS GOES OUT OF USA. ONE CALLS TAKES MORE THAN 30 MINS. XXXX XXXX   EMPLOYEES DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER. HSBC HAD DONE SIMILAR MISTAKE EARLIER ALSO.
In the year XX/XX/XXXX I missed paying my first installment of my property taxes by the XX/XX/XXXX. At that time Live Well stepped in and paid both installments then refused a repayment program with me. After I was finally able to get a repayment scheduled they gave me a payment plan in which I accepted. After a few months of paying this they refused payments from me all of a sudden and tried to foreclose on my home. I took them to court over this and won. I received a new payment plan from the courts and have been paying on it ever since. Now this year XX/XX/XXXX I contacted the tax office to ask a question about a payment to my taxes only to find out they had already been paid in full on the XX/XX/XXXX. Not only did they step in and pay them early they did it without my knowledge and wants to charge me over XXXX dollars for them paying them. They also will not allow me a repay on it. I sent them XXXX dollars with a letter to put it towards the XX/XX/XXXX taxes along with the regularly scheduled payment for the XX/XX/XXXX taxes. They chose to ignore my letter and put the whole XXXX dollars towards the XX/XX/XXXX taxes and now they are refusing to let me pay for the XX/XX/XXXX taxes and are also refusing the court ordered XX/XX/XXXX payment which is almost paid in full. They have just decided they are foreclosing on me no matter what. They are the ones who paid my taxes early without even giving me till the due dates. They are also the ones that are refusing the court ordered payment for no reason.
I am disputing this account reported by Capio Partners for the second time and request assistance from the CFPB in making my third attempt. I communicated to the collection agent in writing ( see attached copy of letter ) and their client XXXX XXXX XXXX by telephone that I have no knowledge of any service and why this account is reporting on my credit reports. I spoke to a hospital clerk by telephone and informed them that this account may have been paid by mistake. I explained that I pay my debts as I receive them and it may have been paid which is a mistake because it was one of the accounts reporting on my credit that was opened without my consent. I did not open this account and have not received any service from this hospital. This account was opened fraudulently using my lost/stolen identification and I have requested previously for the client to provide me with validation of this account bearing my signature giving my consent to enter this contract and information of the instrument used to identify the person who requested your service. I would also like to know why this same account with the balance of {$75.00} that was disputed and removed from the ( 3 ) CRA by Capio Partners XX/XX/2018 was reopened on my files on XX/XX/2018 this account is not reporting this account on my credit files in compliance of the FDCPA ( see confirmation of XXXX XXXX deletion ).
Since XX/XX/2016 I have been trying and doing everything the AES has asked in the time they have requested, but they still deny me the right to have a Long Term Repayment Modification on my account. I am unemployed at the moment and I need this because I am close to defaulting on my loan repayment. They have asked for paperwork that I have given in the time they gave me, but each time the come back with the same response ; " they have not recieved the porper paperwork in the time that was required ''. This is not true because I call them and make sure that I have all the paperwork that is needed in and in the time that they gave me to get it in. The person ( s ) I talk to they always say that I have it in, but some how I do n't at the same time. The are giving me the run-around and it is ethically unfair.
Transunion continues to report inaccurate information to a name that sounds and looks similar to my own, my name is not the person on their credit profile. My name is XXXX XXXX, not the all capital letters name XXXX XXXX, I've submitted my National I.D . as proof, however the debt collectors & agencies refuse to correct their information, which I believe is against the law, my character has been defamed by these agencies and we will seek legal counsel for their dishonest acts. Under H.J.R. 192 the U.S. government is bankrupt, Federal Reserve Notes is a debt instrument, how can one pay a debt with a debt instrument? It's impossible, this is proof these agencies are committing fraud against the people, I do hope this is the proper platform to address these issues.
capital credit illegally repossed my truck 1 week later after i renewed my contract with them my first payment not due till XXXX/XXXX/16 my truck there was not an active repossesion order on my truck i didntbowe capital credit anything i called and tried to talk to curt from XXXX nc office he talked real nasty to me they gave me 2 days to come up eith XXXX to get my truck back and then expect me to pay XXXX every month i feel like im being taken advantage of i hope you guys can help me thas the only means of transportation i have please help me
1 ) Sued me on debt that is too old to be sued on, if it even exists. I have n't held a credit account since 2009 2 ) Sued me without properly notifying me of lawsuit, I have received no notices letters or correspondence or summons. 
3 ) Sued me where I did not live, apparently I have been sued in NJ, I live XXXX states away. 
4 ) Seized property, & yes they emptied my bank account to XXXX balance.
I think you know - Equifax - have tried multiple times to freeze my credit report with them and their own website gets you close but then gives you an error - the other two services XXXX and XXXX  worked fine - someone should really really hold Equifax accountable - they say their website is working but then it says come back later after you enter all your data, I tried several times - if I suffer because of their inability to first protect my data ( which I did NOT ask or give them permission to collect ) and then their inability to institute locks or freezes who holds them accountable - this is crazy!!!!!!!
I used my Bank of America Visa credit card in this transaction for which I disputed the charge. I pre-ordered an aquarium from the online retailer XXXX in XXXX XXXX with an expected ship date of XXXX XXXX. Multiple delays led to an estimated ship date of XXXX XXXX, and then finally XXXX XXXX. However, the seller stopped communicating earlier in the year and I have tried multiple times to contact them through various methods such as email, online form, and chat. In addition, I moved in XXXX and have been unable to successfully update my shipping address. I called Bank of America initially to start a dispute and the person I spoke to on the phone said that even though this was charged in XXXX XXXX, that because the latest updated shipping was XXXX XXXX, that it would be no problem and still within timeframe and she was able to initiate a dispute. I received a fax number which to fax in my request and all supporting documents. After doing so, I received a letter saying the dispute fell outside the timeframe and they can not do anything. I called in again and this time a different representative said there is nothing they can do, contrary to what I was told the first time I called.
In XX/XX/XXXX/XX/XX/XXXX I started my own business. I lived in a condo with a mortgage. I applied for and received a Home Equity Loan from XXXX XXXX in order to finance my business. At first I was able to make the payments because business was still decent. The recession hit really hard and I lost almost everything. I had to declare bankruptcy but was just barely able to keep my condo. It was terrifying and exhausting. XXXX XXXX sold my loan to some bank in XXXX ( I have the details at home but am trying to type this out at work while I have a moment of spare time, I 'm sorry - I can add the details! ). I contacted that new holder of my loan and they told me that I did n't have anything to worry about - they were n't trying to take my condo - and they were simply going to hold the loan without charging interest or requesting payments and they would just take the money they were owed when I sold the condo. This " business loan '' was the only thing I was n't able to relieve myself of in my bankruptcy. That was years ago - and NOW there is a company ( West Coast Financing ) who apparently bought the loan and is now demanding payment PLUS and exorbitant amount of interest ( WAY more than I ever agreed to and WAY more than the original loan ). I ca n't make the payments and I never agreed to this. Now they have a local attorney who is taking me to court over this! There is a date set for later this week or next. I do n't know what to do. I do n't know who to turn to over this and I need advice as soon as possible. I do n't want to be take to court again over losing my business. My original mortgage was with XXXX ... everything about the loans I received was quintessentially everything that went wrong with all of the banking that caused the recession. I feel like I 'm still caught up in the teeth of the ramifications of easy lending and now very predatory practices. I never agreed to any of these terms! I think they want to foreclose on my condo - the only thing I was able to salvage after so many years of loss and hard work. Please Help!!!
Original complaint filed XXXX/XXXX/XXXX - Case Number XXXX. Response from CFPB received XXXX/XXXX/XXXX with the Response : " FBCS has removed all this third parties information. There will be no more calls or letters to the individual. '' FBCS lied to the CFPB. On XXXX/XXXX/XXXX, I was alerted that FBCS placed a bad debt notice on my wife 's credit report despite the fact she is not the person who owes the debt. Her name is not the same, she has never been a XXXX XXXX customer. She has lived at the same address as me since XX/XX/XXXX, and XXXX XXXX has no service contract in our area, so neither of us could possibly owe XXXX any money. 
XXXX has been contacted to dispute the debt and the bogus name that FBCS falsely reported as being an alias. This company is lying every way it can to extort a payment we do not owe. Seriously, our credit report indicates every account we hold is paid in full every month and has been for years, covering tens of thousands of dollars. This is an extortion attempt over {$290.00}. This is a stupidly small amount and if either of us owed it, we 'd pay it outright ... BUT WE DO N'T AND WE WO N'T PAY IT. 
Not only does FBCS need to back away from their demand, they also need to clear the fraudulent alias they filed with Experian from my wife 's credit report. There is no " XXXX XXXX '' in this household, never has been, is not an alias my wife has ever used and FBCS 's claim otherwise is a lie. The company is doing damage to my wife 's actual good name and good standing, which is criminal.
I refinanced my mortgage last year. Ocwen, the servicer at the time, received and applied full payment on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received a satisfaction of mortgage from Ocwen, nor is the satsifaction recorded with the county in which I reside.
My identity was stolen a few years back and I just learned that there are still a lot of hard inquiries and accounts on my credit that are n't mine. I had filed a police report.
I received a call from XXXX XXXX, XXXX XXXX XXXX Platium Holdings on XX/XX/XXXX at XXXXXXXX XXXX she stated that she had a file on her desknthat i owed a pay day loan from XXXX XXXX XXXX   thatbwas taken out on XX/XX/XXXX, that the amount owwd was well over {$2000.00}, acter speaking to her she stated that it could be settled with {$800.00}, i advised her that this has been paid off, i asked her to email me a copy of this debt. As of XX/XX/XXXX i have received nothing, and she called my mothers phone number and left a voice mail messgae with personal information about me and this account, that anyone could hear and this is against fdcpa regulations, so i now informed her that i will forward this matter to my Attorney and to ceae and decist contacting me in anyway.
On XX/XX/XXXX the account that I share with my wife had a legal hold applied. The company XXXX XXXX XXXX filed a lawsuit and somehow got judgement granted. I was not notified of this court proceeding, nor was I contacted via telephone, email or postal or process server. I called what appeared to be a law firm call center for Machol & Johannes LLC and spoke to a customer representative and he told me that on XX/XX/XXXX of XXXX a process server came to my home and served me. 

I was not home and did not get any paperwork. I was informed that a Hold was placed on my account and that the amount of {$1500.00} was to be paid. I recently found out that the hold will not be removed until XX/XX/XXXX. They have taken 114 % of my wife 's paycheck leaving us with nothing to pay our bills, gas in our vehicle, or buy food with, in fact payments that have been previously scheduled will still come out over-drafting my account because any funds that I deposit will be held. When I explained that to them I was told there is nothing that can be done. There is going to be a lot of NSF fees coming because of this issue, this is also jeopardizing the account that we have held in good standing for approximately 12 years with XXXX. 

I looked up the case number that was provided to me by XXXX, this judgement was apparently determined on XX/XX/XXXX and as of yet I have still received NOTHING.