WillisBack/dataset-financial-user-claim huggingface dataset:
A deposit that was made in precisely the manner we were instructed by US Bank when the check is not written to me, the account holder. US Bank reversed the deposit of {$7200.00} claiming that it was not done so XXXX their procedures, which is a false statement as this is precisely how I deposited another check written to my wife, which she signed over to me and I deposited in precisely be same manner just days later. US Bank charged our account excessive overdraft fees forcing our account nearly {$500.00} negative. The account was able to be brought back into positive standing when my paycheck was deposited less the amount in overdraft. US Bank made no intentions to notify us that the deposit was returned and allowed transactions to post to the account and subsequently continued doing so when they returned the deposit. Since then, our balance has been further reduced and we are again in overdraft due to excessive overdraft fees of over {$200.00} in sum on top of the amount they allowed transactions to post to the account. This is firstly related to the reverse of the deposit we made and US Bank and their CEO have failed to address and or rectify the situation whatsoever. This violates the consumer trust and does little more than to create profits to this bank whereby any accounts that become overdrawn are subject to excessive penalties and fees charged multiple times in the same day. This has got to stop and my wife and I currently hold our mortgage, a credit card account and our checking account. This deposit would have helped us establish a savings account whereby we could manage our finances easier in light of the hardships we are already facing. As a former employee of US Bank, I am disgusted at the way the bank had handled and addressed the entire matter and the treatment we have recieved. I maintain the screenshots of the transactions showing all of this to be true and ask that US Bank be fined for their excessive overdraft penalties and return the entire sum of the current overdraft status and previous overdraft status to my account and allow me up to 90 days to open a new account with another financial institution. Whereby the only remaining accounts we will maintain is the credit card account and mortgage. We will no longer do our personal finances with US Bank and we will advise against them directly due to these actions. I am utterly disappointed in XXXX XXXX for allowing this bank to treat a military veteran, former employee and long time consumer in this manner and for allowing the bank to fail to live up to its advertisement of commitment to the consumer. A simple call in regard to this deposit would have quickly and easily allowed these actions to not occur.
I recently file a dispute with Equifax , I provided a copy of the tax document showing that XXXX issued a XXXX for the debt. Equifax only deleted the historical data and did not update the account to show XXXX balance. This is the second time that I have had this problem with Equifax and XXXX. I have attached the tax document as well as a copy of the dispute results. I do n't understand why I continue to have this problem with Equifax , I send the same information to the other credit reporting bureaus and it 's updated with no problem. I would also like to know if there is any legal action I can take against Equifax for this matter. This is the second time I have had to use CFPB to get this corrected.
I paid off my XXXX XXXX and have n't used it in 6 months. I received an alert that my credit score dropped from over 750 down to 620. When I looked at the reason, it was due to an unpaid fee on this XXXX XXXX card. 

I never received notice and because I had already paid the card off I did n't have any reason to check the cards balance. I called the company and complained and closed the card, when I asked if they could help with my credit score they said " it is what it is '' and that was the end of that. 

This is troubling since XXXX it 's the only cc I have and 2. I have had a nearly perfect credit score for many years now and this one incident has caused a significant dip.
I 've contacted XXXX and XXXX and transuion on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
This payment is set up to auto pay by my credit union electronically, ( from day one ). I had to move the payment date back 2x because Yard Card receives the payment but does not post on time. This month, my credit union paid them XXXX on XX/XX/2017 with guaranteed electronic delivery of XX/XX/2017. As of today Yard Card claims they have not received and has levied a late fee. It seems no matter how early I pay it still gets held until a fee is charged. When I googled them I see that this is a common practice with them.
I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from Experian, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX CARD - XXXX CARD - XXXX - XXXX I have attached the police report that I filed with XXXX. 
Consent to publish the description of what happened? Consent provided Supporting documents
The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/VW when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/VW needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.
Ocwen financial services claims simultaneously to have a loan with me ( despite my never having done business with them or having been notified of said loan ) and to have written off said loan with the IRS in XX/XX/XXXX. Further, they continue to insert themselves in a legal case I have against XXXX XXXX XXXX company regarding my foreclosure. Ocwen has claimed in a legal deposition that they are the current holder of an unsigned original, legally executed Note. XXXX has claimed that the holder of the note is the owner of the property. However, Ocwen appears to have discharged the Note according to the IRS. This Note was discharged previously by IndyMac Mortgage Services in XX/XX/XXXX ( which Ocwen is aware of as the evidence of this was shown to them at a legal deposition ). Ocwen appears to have applied a court ordered use and occupancy payment made out to XXXX to a loan ( number XXXX XXXX which Ocwen pretends to have with me. I have received no notification that any loan was transferred to Ocwen at any time, nor could this have happened since Ocwen was not ( and does not claim ) any involvement until long after a foreclosure had already taken place on the property. Further, Ocwen did not ( according to their own testimony at deposition ) become holder of any Note or Loan through the purchase of the assets of IndyMac Mortgage Services from XXXX ( or any other entity ), rather, they claim this happened as a result of XXXX giving them an original copy of a legally executed Note where it was held in a vault from the time of foreclosure. These very facts are in dispute in a court of law at the moment and the case is pending appeal. 
In filing a tax for claiming to discharge a note that they did not had and had been previously discharged, Ocwen is guilty of tax fraud against the IRS. In claiming to have a loan with me and/or attached to my property, Ocwen is committing fraud. If Ocwen is claiming to have a loan with me, I was never notified of this fact as required by federal law and I dispute any such claim. By assigning a payment to a loan which does n't exist, Ocwen is committing fraud, since they simultaneously claim that they discharged the debt last year and the check was not made out to Ocwen Financial it 's parent or subsidiary or related companies which constitutes check fraud. Further, Ocwen is violating the court order for use and occupancy, which they are not entitled to since they are not part of the legal action. Further, Ocwen is clearly conspiring with XXXX and is costing me money. Finally, Ocwen was previously notified of their tax fraud by registered letter, so they are already aware ( or should be aware ) that their behavior is inappropriate and likely illegal.
I had an account with XXXX XXXX XXXX, Account # XXXX. This account is paid in full with a XXXX balance. Transunion has been contacted several times with documents provided such as a letter from the company and my cancelled check to no avail, since XXXX/XXXX/2015. Due to the length of time involved, Transunion should delete the record in it 's entirety under the guidelines of the Fair Credit Reporting Act.
In XXXX of 2017 I received a Kroger credit card from US Bank that was suppose to provide a XXXX XXXX fuel credit once you use XXXX fuel points for the 1st year. After my 1st statement I noticed I was not receiving this reward after using XXXX fuel points many times. So I contacted the bank and they indicated I did not have this reward associated with my card. So I sent them all the information and the bank sent me a response on XX/XX/XXXX indicating my account would receive the described fuel discount for the 12 months from the date of account opening. I noticed I still did not receive the credit and asked the store - they told me to contact the bank. I contacted Kroger again and the bank again and the bank said I did not get this reward AGAIN. Kroger just emailed me and indicated I have to put in a number on the back of the card - WHICH IS NOT IN WRITING ANYWHERE. So needless to say I did not get this benefit for 5 months.
Our home mortgage was sold to PNC Mortgage. We 've never received a monthly statement. Just a coupon book with 12 coupons, each showing the amount of our payment and the date due. Is n't PNC required to send out monthly statements with the information about our balance due?
Was a happy XXXX card member for years, in late XX/XX/2016 XXXX converted the card portfolio to Barclaycard ( XXXX ). We almost never carry a balance over, but we started to in XX/XX/XXXX and Barclay has been overcharging the interest expense every month. Instead of charging interest on the carried balance they charged it on the entire average balance. So if we charged {$3000.00} last month and carried {$3000.00} from previous months then they charged us 15 % of the {$6000.00} = {$75.00}, should have been {$37.00} in interest charges. They are double dipping, getting the interchange fee ( 1.5 % of purchase, equal to an 18 % apr ), plus they are getting the interest on the purchases at 15 %, that is the equivalent of an 33 % interest charge. 
I feel this practice is very unethical, if not illegal. We converted, not by our choice, from XXXX to Barclaycard MasterCard, so if we leave we lose all the points we acquired in previous years. Completely unfair and is why the big financials have the hated reputation they have now. Hope you folks over there can investigate.
XX/XX/XXXX, I owed Home Depot for a credit line of {$1400.00}. By XX/XX/XXXX, I paid the amount off in full as my last payment was {$250.00}. After making all payments, The Home Depot sold account number XXXX to XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX obtained a judgment against me in XXXX County, Kansas court XXXX. During that time, I made additional payments by check not aware this was regarding my Home Depot Account ending in XXXX. XX/XX/XXXX, I sold my home and the {$2300.00} judgement was held back from my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid XXXX as they also collected money on an account they never should had purchased from Home Depot. I 've been writing and requesting for the return and interest as XXXX XXXX XXXX and XXXX refuse to resolve my claim.
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XXXX XXXX  XXXX
MY ACCOUNT WAS LINKED BY NAVIENT WITH USA FUNDS WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF USA FUNDS TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH USA FUNDS OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX   XXXX  EVERY MONTH.
I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX, XXXX XXXX XXXX
I SENT IN MY DISPUTE WITH EQUIFAX TO UPDATE PHONE NUMBER AND NOTIFY MY CREDITORS. THEY STILL HAVENT DONE THIS BUT MY DISPUTE SAYS IT WAS APPROVED AND LISTED IN STATUS AS COMPLETED. MY CREDITORS STILL CAN NOT VERIFY ME THROUGH MY PHONE NUMBER AND WHEN EQUIFAX UPDATED IT ON THE CONFORMATION PAGE THEY DID NOT ENTER THE AREA CODE!!!
Hello, ECMC has contacted me again regarding this debt that was closed on XX/XX/2017 because its not my debt. Now they're back to reaching out to me via email and telephone. Can someone please contact them and let them know this case was closed and its not my debt. I feel like I'm being harassed now.
Convergent Outsourcing is a third-party debt collection agency who continues to leave a negative reporting item onto my credit reports. I never established a contract with them at all nor have I made any payment to this company at all. A document bill, or any other documents they have from the purchased debt they have does not been prove that I owe nor does it validate the alleged debt. And they are in complete violation of the FCRA.
Hello, This item is in question to chase Credit Card Services. My account number : XXXX. This account is not past due, XXXX was charged off. It still shows late and PAST DUE on my credit report. The account number is The amount past due in question is {$1100.00}. I have verified that if an item is charged off it can not show currently past due or late. I have repeatedly disputed this item with no correction. Chase has refused to correct how this is reporting.
I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer? 
To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX. 
You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX. 
Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account. 
Note : We wo n't charge you to receive a wire transfer into your Ally account. 
XXXX END ALLY WEBSITE INFO XXXX
Hi, I have a Chase credit card just one. I havent used it in a while. It had a credit on it and every month Id get a statement in the mail telling me that I owe nothing and there is a credit. I thought the ethical thing to do was to call and have them issue me a check for the credit amount. They did. I brought the check to Chase and they wouldnt cash it, ostensibly because I have no checking account at Chase Bank. I dont, thats true. All I have is a credit card, which I dont use. So, basically, I received an uncashable check from them. It would cost me more to open a checking account at Chase than the check is worth. 
Just thought consumers should be aware of this practice.
My wife and I were victims of the XXXX XXXX flood in XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments on. SBA/FEMA turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. out of XXXX, XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Equifax stated they removed this account and it is still listed XXXX XXXX XXXX # XXXX This item is past the statute and this company can not validate the XXXX. I have been fighting with them as I never had an account with XXXX XXXX ever
PNC bank imposed an unfair ( if not illegal late fee ) against my PNC XXXX XXXX XXXX .The due date for my credit card is always the XXXX of the month so my most recent due dates have been XXXX, XXXX, and XXXX. I made an early payment 0n XXXX ( which PNC accepted as a payment toward the XXXX due date ). I did not get a late fee. I made a series of payments in XXXX that more than covered the XXXX payment ; in fact I made a payment on XXXX, very similar to what I did in XXXX. When I made a payment on XXXX ( after the XXXX duly date ), they did not not count it toward my XXXX payment. They applied a late fee which is basically penalizing me for pre-payment. XXXXMy minimum payment due by the way was {$25.00}. 

Notes ; Below are the payments I made. I deleted references to my checking acct ( also with PNC ) and my credit card. I can provide acct ref. if necessary ) : XXXX/XXXX/2016 Completed {$300.00} From : To : Interest Checking - PNC points XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$250.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$170.00} From : To : Interest Checking - PNC points XXXX -
i went XXXX hospital er in XX/XX/XXXX was treated did not have ins. informed the intake person tha i could go to XXXX if that was a problem they said it was ok because of my condition the hospital resolved my bill. now its XX/XX/XXXX check my credit there is a bill from a company called procollect for {$940.00} i call they tell me it from a physicians emergency care i tell them i have never heard of these people nor have i ever received a statement/ bill of any kind, they say dont care pay or will destroy your credit ask for itemized bill they refuse. i called XXXX they tell me they no longer do business with physicians emergency care because of their wrongful billing of patients. in fact they were contract doctors and tHey are now out of business filed bankruptcy sold their portfolio to a third party and cant be found. PRO-COLLECT IS ILLEGALLY TRYING TO COLLECT ON ILLEGAL BILLING STATEMENTS THAT ARE TOTALLY FALSE AND WITHOUT MERIT. I AM ASKING THAT PRO-COLLECT REMOVE THIS COLLECTION ITEM FROM MY CREDIT AS THIS BREAKS ALL FDC PRACTICES AND LAWS