WillisBack/dataset-financial-user-claim huggingface dataset:
exact same story as another consumer so I will use his words with my specifics : I enrolled in an HSA account with B OF A with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee ( {$25.00} ) to do so and have slowly been bleeding the account dry by applying monthly service charges ( {$5.00} ) on it.
XX/XX/2016 I contacted Toyota Financial to see if I could have my XX/XX/XXXX payment moved to the end of my contract. They disclosed that I had to pay all late fees which I did. They sent me a loan agreement that stated the payment for XX/XX/2016 had been moved to the end of the loan contract. On the same document that I signed, it disclosed that the next payment amount was @ {$280.00} but I paid {$300.00} on XX/XX/2016. Now they are saying that I owe more than the one payment that I am past due. Because of financial hardships caused by a house fire, I missed the XX/XX/2016 payment, however, I should only show past due for@XXXX but Toyota shows @ {$1300.00}. I believe that they are doing this as a scare tactic so that they may take my car from me.
Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER
I rented a safe deposit box in XXXX XXXX branch of chase in XXXX, NY in 2015. When I went to my safe In XXXX 2015, I found the hinges of my box cut and the door open ( I did not need to use my key ). The person in charge told me that they had to cut the hinges to open the box next to mine, however when I asked her why you did cut the hinges of my box and you did not inform me before cutting the hinges, she did not have any answers. She only gave a phone number to call. I called many times and asked them for at least an explanation or apology. They promised to do so but I have never received anything from them so far.
finance charges in XXXX, in XXXX XXXX, in XXXX XXXX. I paid {$130.00} on each payment for every month in question.they it 's interest building in your account.Which is not true.I paid my debt down and, the finance charges did n't go down.I have XXXX more accounts with consumer doing the same thing.
I contacted TransUnion and XXXX  regarding multiple inquiries listed on my credit report that I do not recognize. I contacted both agencies multiple times between XX/XX/2018 and XX/XX/2018. Both agencies refused to investigate the inquiries, stating that they do not have any obligation to ensure the accuracy and legitimacy of inquiries listed on the reports maintained by their respective agency. I was directed by both agencies to contact the companies making the inquiries. I did so and was instructed by them to contact the reporting agencies as it was their responsibility. I reached out to TransUnion and XXXX  again, this time requesting documentation showing that the inquiries were compliant under the FCRA and both agencies said they could not provide me with that information. They also told me again to contact the individual companies making the inquiries to dispute the information, and that I could not dispute the information with TransUnion and XXXX.
On XX/XX/XXXX I reviewed my annual report and saw THREE ( 3 )  items sent to collections by XXXX XXXX. XX/XX/XXXX {$49.00} XX/XX/XXXX {$87.00} XX/XX/XXXX {$170.00} I am someone who checks my FICO every month and reviews my credit report EVERY year and this has never showed up on my reports. 

I NEVER RECEIVED NOTICE OF THIS though they claim to have sent me 5 invoices. NEVER DID I RECEIVE A PHONE CALL to try and collect this payment. I have visited their facilities many times and NEVER WAS I NOTIFIED about an outstanding balance. 

HAD I KNOWN about this, it could have been avoided. 

Aside from this, THE DEBT COLLECTOR HAS NEVER CONTACTED ME TO TRY AND COLLECT THE DEBT!. I had to call them XX/XX/XXXX at XXXX PT to find out I owed money, only because I happened to see it on my report that same day. 

I have filed a dispute through XXXX and am waiting to hear back.
I remotely deposited a check in the amount of {$2000.00} on Friday, XX/XX/XXXX into my Charles Schwab checking account ( account number ending in XXXX  ). As of Tuesday, XX/XX/XXXX, the funds were not made available despite telephoning the bank to request the funds be made available. The customer service agent insisted that the bank had rights to hold the funds until Thursday,XX/XX/XXXX even though I said that funds deposited via check should be made available by the next business day, which would be tuesday XX/XX/XXXX at the latest.

Very disappointed that the customer service agent did not escalate my request despite my efforts to explain the funds availability requirements under applicable federal law.
This is my second issue with XXXX XXXXXXXX XXXX. XXXX is stating my balance is {$760.00} which includes a payment of {$290.00} which I made today and is leaving a balance of {$470.00} which includes the balance of my next payment of {$290.00} due on XX/XX/XXXX but it does not explain the balance of {$170.00} and there is no current statement explaining this charge. I am disputing the billing error in the amount of {$170.00} on my account. The amount is inaccurate because there is no statement indicating how this charge was calculated. My contract states that my car payment is {$290.00} every month due on the XXXX with a 10-day grace period. After the grace period I can be imposed a late charge to 5 % of the unpaid installment amount of {$23.00}, whichever is greater, after 10 days. I had previous late fees of {$23.00} or less that were credited back to my account along with a letter stating they have been removed from the account. I have not had a late payment since. 

I am requesting that the error be corrected & explained, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and an itemized statement of the charges. 

Enclosed are my copies of all my monthly payments ( including the most current payment ), the contract, the most current statement on account which is dated XX/XX/XXXX supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

I dont know if this is in regard to the pending lawsuit against flagship and now they are doing erroneous billing to scare customers. I hope this is not the case because if it is then this company needs to be investigated IMMEDIATELY. 

I did sign up to receive electronic statement and I have received one electronic statement. My last paper statement was back in XXXX of XXXX. I checked my communications tab and my email XXXX is listed on there so I dont understand why I have been receiving electronic statements. 

I will NOT ACCEPT ANY PHONE CALLS FROM FLAGSHIP. You may contact me @ my email address at XXXX Thank you, XXXX XXXX XXXX
XXXX XXXX sent me a final bill for services and agreed to waive the early termination fee because I was moving to a location that did not allow satellites. They never waived the termination fee as agreed. I paid XXXX {$530.00} for my last month of service and early termination. XXXX then sent my account to collections ( Receivables Performance ) stating I owe {$800.00}. I don't know where they got that balance from and why it was ever sent to collections when I paid XXXX directly in a timely fashion.
A company by the name of XXXX XXXX XXXX , XXXX, of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a Synchrony Bank/Belk account was sold to them on XX/XX/2016. I wrote them back that I had never had an account with Belk and had never received any requests for payment from a Synchrony Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or two, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''
I had a loan with a monthly payment of {$86.00} a month on the XXXX if each month. On XX/XX/XXXX I made a payment of {$480.00} and my regular loan payment for that month. The {$480.00} payment was entered as an adjustment and not a payment and no interest was taken off even though I paid almost 6 extra payments. When I called to inquire about why no interest was credited I was told that I paid all of the interest in the beginning of the loan. I paid the loan off a year early but was on credited about {$80.00} in interest when I paid {$280.00} this week. I was told there was no penalty to pay it off early but I paid the entire loan plus all interest but {$80.00}. I have enclosed copy of check sent to make payment and my monthly statement showing it was posted as an adjustment not a check payment.
I was told by my Landlord on XX/XX/XXXX I had until XX/XX/XXXX to move out because my lease will not be renewed. I had XXXX witnesses who heard this conversation one of them was the property manager. I wrote a letter stating that I was being evicted and my lease was up on XX/XX/XXXX. I also stated on there I was giving my notice for moving out even though i was being evicted. Well I dropped this letter in the drop box at the apartment complex. Then I started getting phone calls saying I owe for the Month of XX/XX/XXXX. I was contacted by a new Landlord from the complex. I told them what happened and had a copy of the letters I left and went and dropped them off with the new landlord because they said I never gave a notice and I was never evicted. Anyways I gave a copy to the new landlord and they still are trying to get me to pay the {$600.00} plus I do not owe. I still have the orginal copys. I was and still am on Section 8 Housing and they HAVE the copies of everything also proof that they called XXXX apartment asking why they evicted me. I had to go though a hearing because I almost lost my section 8 housing because of my Landlord. THankfully I did not lose it because the proof of the letters helped in my appeal. I just want this off my credit score because I do not owe this.
On XX/XX/2017, I called U S Bank and ask the representative to look and see when was the 2 bill pay checks was mailed. And ask her to stop payments on the checks.

She did only one stop payment. And now I have paid 2 times to the same merchant.

The 1st presentative that I spoke to today. Told me that I could not file a dispute on checks. I called back and spoke to an other presentative today and she said that, I could. 
The fault is on the bank and the merchant employees. And they are forcing fees and payment on me .I would like the employee 's fried for this mistake. Because we do not no to how many others are con out of fees and a double payment to pay bills.
On X/XX/2017 My Legal Representatives sent both Wells Fargo Bank and XXXX XXXX XXXX. All the necessary paper work to stop the sale. Both XXXX and Wells Fagro Bank said that could not talk to my Legal Representative since they have not had 48 hours notice. They were sent the Thrid Party Authorization form but were told they have to wait the 48 hours. Now my home has been sold to a third party and still Wells Fargo refuses to work with me. I have asked for a loan modification but I was told that I make to much money and that they could not help me or would not help me. When I spoke to XXXX XXXX XXXX they told me that they did not receive any of the paper work from my Legal Representative. I tried to make the some of the payments thinking that they would work with me but they turned me down. I forgot to add that was never given a chance to see if I could get a re installment quote from them. They denied me at every turn. Which I feel is very illegal.
Taking an offer with Bloomingdales to receive a discount on a singe purchase if I took a credit card and paid it off within a certain time. did so, but they credited the wrong account and started charging me interest and fining me for late payment. On discovery, they apologized, refunded all the fines and promised to not let it affect my credit history. On being turned down for a mortgage last week, I pressed for possible reasons and this came up along with an internal error by XXXX, my bank, which also apologized and refunded fees charged, but has still adverse affected my credit scoring. XXXX Bloomingdales error and XXXX XXXX error
Mortgage company failed to maintain proper accounting and balance for escrow and attempted to increase mortgage by $ XXXX {$400.00} per month on two occasions. After multiple requests for an explanation of increase, company is yet to provide consistent accounting.
CFPB : XXXX This is a continued problem with XXXX XXXX XXXX. XXXX XXXX XXXX has deleted all of the payment history transactions after having 3 errors on my account. I am now not able to view my payment history from XX/XX/XXXX-XX/XX/XXXX!
XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX This company checked my credit on XXXX XXXX 2016, when I had not filed for credit or changed any credit. This lowered my score.
It is like talking to the wall when you call them.
I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled XX/XX/XXXX but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with XXXX balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # XXXX & XXXX ). So far, I have XXXX written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I close XX/XX/XXXX and demand payments. There is very little an individual can do against a big financial institution like HSBC. I was diligent in making payments, contacting the bank to close the account and I have the letters from HSBC confining it is close. But none of this matter when HSBC can decide to send me a statement demanding payment and and resume the harrassments. Even letter from HSBC with the agency case number does not stop the bank to come after me again.
The XXXX transponder attached to the car my wife and I use failed to debit our account after my wife and/or I were driving on the XXXX express lanes, near XXXX., on XXXX XXXX, 2016. These express lanes are operated by a company called " XXXX XXXX ''. The charge for me ( or my wife ) using the express lanes on that occasion was {$4.00}. The company XXXX XXXX says that it sent us collection notices in XXXX and XXXX 2016. My wife and I do not recall having received them. ( If we had, we would have paid the small charge immediately ). I received written notice from a collection agency, Professional Account Management, LLC, seeking payment of {$100.00} in connection with the XXXX XXXX charge. No information is provided as to why a collection of {$100.00} is sought for a charge of {$4.00}. 

XXXX did not call me or my wife to let us know if the {$4.00} charge. Again, if they had, we would have paid it immediately. 

In my view, it is grossly unfair that a collection agency seek payment of over 2,300 % of the amount of the original charge, especially when the collection agency 's client could have made a simple phone call that would have resolved the issue.
A Bank of America representative called me in early XXXX for the purpose of collecting a debt owed on credit card number XXXX. The representative offered to settle the amount owed for a payment of {$9400.00}. I told the representative that I needed to think about the offer and was told that the offer was good through the end of the month. I was also told that I should make a payment before the due date on the account and that anything I paid would be applied to the settlement if I decided to settle before the end of the month. I made an electronic payment of {$3000.00} a few days later and called BoA on or about XXXX XXXX to finalize the settlement. During the call it was determined it the Bank of America representative needed to speak with my wife, the co-account holder. At the time I was away from home so speaking with my wife was not possible. However, I told the representative that I would at home in approximately 10 days and could call back at that time. The representative said that would be acceptable but informed me that I had to conclude the settlement prior to the end of XXXX. On XXXX XXXX at approximately XXXX XXXX CT, I called Bank of America Collections Department to conclude the settlement. The representative with whom I spoke said that even though I had made a payment of {$3000.00}, the settlement amount would be the entire {$9400.00} instead of {$6400.00} ( $ XXXX {$3000.00} ) as earlier stated. I asked the representative if there was documentation in my account file supporting my claim that only {$6400.00} was needed to settle. The rep acknowledged that there was such documentation but that BoA was no longer honoring the offer. I told the rep that this constituted trickery by BoA and that I would file a complaint with the FTC unless BoA honored it 's offer. The rep declined to honor the offer. I request that my account file be subpoenaed as well as the audio recording of the call ( the rep informed me that the call was being recorded ). I consider this to be the ultimate in deceptive banking practices and find it unimaginable that bank of the stature of Bank of America would engage in such practices. Further, I suggest that BoA be investigated for engaging in this practice as a regular collection procedure.
CitiMortgage did provide me with a written response but it had nothing to do with the majority of my re quests sent to them via Certified Mail. See attachment.     CitiMortgage only states that it is n't their policy to return the original note. Well, tough  XXXX . I am the SOLE OWNER and creator of that security and I want it back. I also want ALL of my requests answered.     I will proceed with recording a perfected security interest in CitiMortgage for the face value of my monetary instrument, plus costs, and plus damages.
On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and experian are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is XXXX and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.
Company reported to the credit bureaus without notifying me of any debt owed, amount owed or name of original creditor without a chance to dispute the debt with them.
On XXXX XXXX 2017, Equifax 's data center was breached. It was not until a full 29 days later that Equifax made this information public. 

My social security number, address and full name have been made known to people who should not know that information. This is a permanent problem. For the rest of my life, I must now watch my credit like a hawk, wondering if today is the day that someone opens an account in my name and ruins my chances of getting a loan, buying a car, renting an apartment or buying a home. 

This problem will never go away. And this affects 60 % of the adult population of America.
I had made a purchase of XXXX $ back in XXXX at Target. This was supposedly " free '' if I signed up for a target credit card. I never received the card but started receiving bills for XXXX $ every month from Target on this " free '' purchase. I called target to totally cancel the card but they are still billing me XXXX $ per month for no reason whatsoever. The card is not even activated because I have n't received it. After this call, I still received bills even though it was cancelled. They say that they will continue to bill after a card is cancelled if there is a balance on it. They are charging me XXXX $ for a XXXX $ purchase. I am willing to pay the XXXX $ for the purchase but I will not pay the additional amount for a card that was never received.
XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to XXXX and experian currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my XXXX report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
My new tenant paid with a US Bank ck ... I took it to US Bank ... I was asked for two forms of ID which I presented ... I was told I would have to pay {$7.00} ... and then they requested a right thumb print ... when I asked for a receipt they refused to give me one ... I have rights ... I have to account for my expenses with the IRS ... I have a right to off-set my income with expenses and need a receipt for the expenses to do this ...

I believe the bank in charging me {$7.00} to cash one of their customers checks owes me a legal receipt ... otherwise what expense is the {$7.00} charge covering ... and how are they accounting for the income ...

personally I do n't understand why I have to pay to collect funds from their customer who wrote me a ( promised ) check ... my relationship is not with their bank I think all this ID is overkill and an infringement on my privacy but when they charge $ to cash a check they 're not just a bank they are a 'check cashing service I go to the tenants ' bank to avoid insufficient funds charges and avoid a bad relationship with my bank ...

I believe I have either a right to a receipt or better yet a refund.
Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.