WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo Bank , NA, paid a check that was written for {$2000.00} for {$3000.00}. A {$1000.00} mistake. When the local branch was contacted in XXXX, Georgia, we were told that a " machine '' reads the checks and it was read as {$3000.00}. A copy of the check should be attached. As you can see at the dollar amount, there is a " comma '' after the number {$2.00} in the dollar amount of the check which makes it look like a {$3.00}. It is my understanding that checks are to be paid by using the hand written amount instead of the dollar amount written on the check. The hand written amount states " XXXX XXXX XXXX XXXX and XXXX cents ''. So what is this " machine '' that reads the dollar amount of the check instead of the handwritten amount and are consumers aware of this practice?
Yesterday, I went to a local TD Bank to make a {$400.00} deposit before XXXX so I could bring my checking account current and not have to deal with receiving any overdraft fees but when I got to the local TD Bank, after banking hours, my TD Bank debit card would n't open the door. No matter how many times I tried swiping my TD Bank debit card, the door would n't open. Si I never got to make my deposit before XXXX. When I called TD Banks ' customer service department, the young lady who answered my call quickly told me that this was starting to happen a lot with their customers and as I started telling her about other after banking hours situations I had in the past with other TD Bank ATMs ( not returning my debit card, not accepting cash deposits, etc ), our call get disconnected. So when I called back the new TD Bank XXXX number customer service representative I was speaking with, placed me on hold and when she returned to rhe line, the first thing she told me was that her supervisor her told her to tell me that I was going to be receiving several overdraft fees and that I was n't going to be given any courtesy refunds/waviers of the overdraft fees I was going to be receiving. I got so upset that I lost my cool and started cursing up a storm. What was I suppose to do, kick open or break the glass doors to enter TD the ATM area and make my deposit on time???? Clearly this was a situation caused by the doors at that TD Bank location and not me. This was totally out of my control and that why all of the overdraft fees I received such be refunded/waived. Plus these ATM doors at TD Bank, seem to be causing this situation all over the place, something that TD Bank needs to and should address and resolve.
Received multiple offers from Ditech ( who currently holds my mortgage ) for a re-fi at a lower rate. Called them and was approved, received papers, signed and returned. 

No word for several weeks. Contacted again and was told I was denied because there was a " business '' on the property, which was there when we re-financed through XXXX, which got passed on to XXXX XXXX XXXX XXXX XXXX, etc., and then wound up with Ditech. How can they turn me down as they hold the mortgage? I am currently at XXXX % and need a lower rate to continue.
Rash Curtis & Associates has been fraudulently attempting to collect for a debt which I do not owe on XXXX accounts for a hospital that closed over more than a year ago. The collector has proof that I was covered fully covered by XXXX whom paid for all my XXXX expenses. The collector has refused to provide me with proof that I owe them or that XXXX did not pay. After receiving my certified letter which they signed as received on XXXX/2017 ( proof is attached ) advising them that they had 30 days to validate the debit or I would be contacting the XXXX as well as filing a law suit against them, they refused to respond. I 'm sending a letter to XXXX today requesting for these fraudulent accounts ( XXXX, XXXX & XXXX ) to be removed within 30 days as they also will be unable to validate this debit. I have attached my supporting documents.
My case is about a withdrawal of cash from an ATM, the ATM only gave me the receipt of the transaction but NOT the money, this happened for 2 consecutive days, the bank approved the transactions and they took the money Of my checking account.
I filed a chapter XXXX bankruptcy XX/XX/XXXX, after missing 1 mortgage payment. I have made up the missed payment through my chapter XXXX repayment plan. 

Since XX/XX/XXXX, Ditech has kept all loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, and escrow information, including escrow analysis and balance ) hidden from me at Ditech.com. 

Ditech sends monthly " informational statements '' to my home address without ANY loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, late fees, and escrow information ). It is basically a blank statement. 

Ditech has removed reporting of my mortgage loan from all of my credit reports. The loan originated XX/XX/XXXX. 

Ditech has incorrectly calculated my XX/XX/XXXX yearly interest payment on my form XXXX at {$2700.00}. I have no way of correcting this because I can not communicate with them nor can I view my accounting of applied payments with principal and interest. 
Ditech has not applied my previous payment XX/XX/XXXX to my account. 

Ditech 's automated phone system will only transfer me to their " make a payment '' option, which then states that that I owe {$6300.00}. If I try to connect to a Ditech representative, I am automatically transferred to another company : XXXX. 

Ditech has sent letters to my bankruptcy attorney, each time stating a different loan representative name and phone number to call if I have questions or need help. Yet when I call the Ditech phone number provided, I am automatically forwarded to another company, XXXX XXXX XXXX. 

I am unable to speak with anyone at Ditech. I have recently fallen behind on my mortgage and am unable to reach anyone at Ditech for assistance or information on the servicing and calculations of my account. 

I will be filing a complaint with my State 's Attorney 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. 
I will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTA.
I have an old account from XXXX financial svcs that is past the 7 year reporting period. XXXX has renamed the debt and continues to report this debt years after it should have dropped off my credit reports. I have disputed the debt with both Experian and XXXX on numerous occasions but it has not been removed. I have an old Experian credit report dated XXXX/XXXX/XXXX that shows it was to be removed in XX/XX/XXXX. That account name was XXXX XXXX XXXX. Today the same account has simply been renamed and is being reported on my Experian credit report as XXXX. XXXX is also reporting that I filed a chapter XXXX bankruptcy. I have never filed for chapter XXXX bankruptcy. I would like to have this removed. I am applying for a home loan and this re-aged debt is causing the mortgage lenders to deny my application.
I was issued a prepaid debit mastercard several months ago by Citibank in the amount of {$700.00}. I used all but {$170.00} and the card expired XXXX/XXXX/15. I called today at XXXX and asked them to issue me a new card so I can use the rest of my cash. They told me no, that I could not have another card. I asked if they could cut me a check then for the balance, and they said no. I asked for a supervisor and was also told this. I do n't understand what gives them the right to keep my money? Life happens, and I 'd been saving that card for school shopping for my children. I logged into my account with them and saw that it still had a balance.
I disputed some bankruptcies listed on my credit report with XXXX XXXX as they were the agency that was used to verify the information. I received a letter from them stating that the information could not be verified and and would be removed from my public record. I have included the letter that was sent to me. 


I then contacted all 3 credit reporting agencies, notifying them of the removal and they should follow suit. I receive a response from Experian on XX/XX/2018 that the bankruptcies that were listed were valid because they were verified within 30 days. 

I contacted XXXX XXXX to confirm that the removal had taken place which in fact it had. I will be receiving a confirmation letter in 7 to 10 business days. 

I then contacted a representative at experian to obtain clarification. She explained that the bankruptcies are listed as public record and that someone physically goes to the bankruptcy court to obtain this information. I then asked for that person but she failed to provide me a name. She then in turn stated that they call and obtain the information I then asked " what prompted you to contact the bankruptcy court to see if I had filed a case? '' she stated that it was public record. I then explained to her that my public record is created by some entity which they used to obtain this information. I would like to know what that is. What are your policies and procedures for obtaining public record information? She stated and continued to state that she did not have that information and no one in the office could provide me with that information. 

I took the liberty of contacting the number that is listed on my credit report for the bankruptcy court. I spoke with a representative that stated that they do not provide this information to any credit reporting agencies it has to be requested with the person 's valid information or it can be accessed a system called " XXXX '' which anyone can create profile and gain access.
XXXX XXXX XXXX AND 2 BRANDS XXXX, XXXX ETC.. PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO XXXX CREDIT FILES..XXXX IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING XXXX XXXX TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
Good evening - I have contacted this company a total of FIVE times since XXXX of 2017 regarding two debt collection accounts on my credit reports. The latest certified letter was sent to TransWorld Systems on XXXX XXXX, 2017 requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. I received a letter billing ledger as validation. This ledger does not  assign the debt to me. I have yet to hear anything back from TransWorld once I told them that the handwritten ledgers did not assign this debt to me. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.
Good Morning, On XX/XX/XXXX my loan payment of {$590.00} was due. A payment of {$400.00} was made on XX/XX/XXXX and {$190.00} on XX/XX/XXXX satisfying this payment. 

A few days before my due date I received an email advising I owed {$400.00} to my XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to a customer service representative after reviewing my payment history and could clearly see the issue was what the company did with the XX/XX/XXXX {$400.00} payment. The representative checked my records which was expected but after a good amount of time passed I felt as if he was looking for any reason to make the issue my fault. However, he could not find an issue and I was advised he would submit an action to have the {$400.00} credited to my XX/XX/XXXX payment. This would take 7-10 days. 

On XX/XX/XXXX, I called XXXX XXXX at XXXX and spoke to another customer service representative as the {$400.00} was not credited to the XX/XX/XXXX payment in the time period advised and my XX/XX/XXXX bill was showing I owed a payment due of {$990.00} and not the regular {$590.00} on XX/XX/XXXX. She advised that the other representative did put in to have the {$400.00} credited to the XX/XX/XXXX payment but it would take much longer for this to be credited with a timeline of 4-6 weeks. 4-6 weeks?!?! What financial institution, business, or otherwise takes 4-6 weeks to make account related changes? 

Full disclosure this is not my first issue with XXXX XXXX and have had to stay on top of my student loan account due to the amount of mistakes they make in servicing my loan. Most are minor in example not processing an ICR plan reapply in an attempt to get my spouse to sign paperwork on my loan despite having all of my loans prior to being married. 

However, considering the issues and my status of applying for loan forgiveness I believe these issues are related to cause issues down the road when applying for the forgiveness. 

At this point I feel I have no other option but to file a complaint with the CFPB every time I have an issue because there is no other real recourse for XXXX XXXX actions.
I deposited a check to avoid any overdraft fees. Chase said the deposit came in 11 mins too late and would not reverse fees. I have been a great outstanding customer for 10 years. They refuse to help. I spoke to 4 different managers. 

I was charged {$70.00}
A company claiming to be " XXXX XXXX '' calls me every day, multple times per day, saying they are attempting to collect a debt I have no knowledge of. They refuse to give me information and ask for my personal information but I do not want to give my information to a stranger. They call from the number XXXX. I have had calls as late as XXXX and as early as XXXX
XXXX XXXX XXXX SENT MY CHARGED OFF BILL OVER 6 YEAR PERIOD OVER XXXX COLLECTION AGENCIES, KNOWING TELEPHONE ( XXXX ) XXXX WAS USED WITH THE FTC I.D . THEFT REPORT SENT TO YOU IN XXXX WITHOUT ANY CCONCERN. AS A RESULT OF THEIR ACTION DESTRYED MY CREDIT AND NOW HAVE XXXX COLLECTION REPORTING ON ALL CREDIT REPORTS SINCE 2010 IN VIOLATION OF EVERYTHING
I challenged XXXX XXXX XXXX through Equifax sent Certified Mail on XXXX/XXXX/XXXX. They received it on XXXX/XXXX/XXXX according to my tracking number through USPS XXXX. I have yet to receive any documentation regarding my initial dispute and it has been more than 30 days. My credit report has never been noted that XXXX XXXX is under consumer dispute. I have called several times and have been on hold for more than 30 minutes. I have been unable to get in contact with a live Equifax Representative.

Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, they were unable to provide me with a copy of the verifiable and irrefutable proof that they have on file for every one even each any and or all of the adverse accounts listed below and they failed to do so within 30 days of receipt of my complaint challenging their compliance to true accurate and complete timely reporting they must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. They are in complete violation.
fraudulent charges were put on my American express credit card by someone in XXXX I I I believe. I did file a police report and called the credit card company. American express said they would call me back within 72 hrs. To verify that I am XXXX XXXX. The problem is they did not call me back. I have called them several times and they keep saying they have to call me back to verify identity, but they have not called me back. Now I want the charges taken off and the account closed. How can I get the charges removed if they do n't call me back?
I was excited to get a car. And I got a truck for {$8000.00}. The interest rate is 29.99 %. I am having a hard time making the payments with the high interest rate and the balance never goes down. I spoke with Equitable Finance, and they told me that my wife needs to get a job. I am a XXXX male and we have XXXX children. I do not want my wife working and childcare would be more expensive than what she could make. I ask for a lower interest rate and they said no. I am 17 days late on my payment and they turned my truck off. Now I can not work. Equitable Finance told me on XX/XX/XXXX that I should get a job at XXXX 's to pay my bill. And they did not care about my values in my XXXX community
I received a preapproved offer in the mail. I asked for a loan of XXXX XXXX XXXX XXXX dollars. I was approved and could view the payment dates and amount. But could not view the truth in lending disclosure nor the total interest of the loan tell after I had accepted the loan. I had to have a friend down load a p d f viewer. The loan was funded 0n XX/XX/XXXX. The first payment of XXXX made on XXXX. The second payment was made on XXXX. I called big picture loans on XXXX. Spoke with XXXX on a recorded line. Was told the payoff on the loan is XXXX XXXX XXXX dollars. I said this is a mistake. I 've cancelled bank payments and contacted XXXX XXXXXXXX Attorney General who advised me to file a complaint with the XXXX XXXX Attorney General and provided the phone number.
I have XXXX advocate representing me and they called and sent out XXXX & via us mail to stop calling me & then they started not only calling me but also my work which then XXXX sent them another XXXX & also phoned them to cease but my work got another call from them today I am a home care provider I 'm out in the field I 'm not aloud to receive person calls & such I can lose my job over this and I told them this and yet they still continue. Please help me with this situation, I need my job. Thank you!!
On XXXX, XXXX, XXXX, XXXX collection agencies re-reported closed accounts to XXXX. XXXX reviewed these accounts and they were billed by a third collection agency. They could not provide proper identification and XXXX closed these accounts on XXXX XXXX, XXXX. In XXXX XXXX they reported them again. In the state of TEXAS the statue of limitations is 4 years. Since these were marked closed can I file in court? I am aware that I can collect XXXX per agency if they report inaccurate information.
On  XXXX     2017, I p aid  XXXX  card a settlement. I have a confirmation letter confirming receipt of the settlement dated   XXXX   XXXX  2017   . As of   XXXX   XXXX  2017    the account continues to show unpaid/collections on my Transunion credit report. When I contact  XXXX  card they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections, despite  XXXX  card acknowledging by phone on   XXXX   XXXX  2017,  that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.
My name is  XXXX   XXXX   XXXX , I ca n't get approved for a job or an apartment because my background check has someone else 's record. That person is my twin brother  XXXX   XXXX   XXXX . We both have different social security numbers. I only have  XXXX  covicton of   XXXX   XXXX      back on the disposition date :  XXXX / XXXX /   2012.       XXXX  and  XXXX  was  XXXX  company that went through    XXXX   XXXX  s back  ground for employment.
On XX/XX/2016 I revcieve and Inquires that I did not authorized.
I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of TransUnion, XXXX, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.
Due to a subprime loan by Countrywide/Bank of America, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. Bank of America Foreclosed on my home in XX/XX/XXXX, and no other activity occured on said account since. Bank of America reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both XXXX XXXX XXXX, and to Bank of America to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.
Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX XXXX back to the finance company. Since that time I get repeated calls from a company called portfolio recovery to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.
I had 3 Private Student Loans Navient that were included in my Chapter XXXX Bankruptcy Case Number XXXX - The bankruptcy was discharged on X/XX/16. Navient sent a letter to my ex-husband, XXXX XXXX, stating that I was no longer responsible for the loans and they also sent me refund checks for each account for moneys that I had paid. The three credit bureaus have been reporting all three of these accounts as past due instead of showing them included in the bankruptcy. I believe XXXX and XXXX are now corrected because of a previous complaint through CFPB, however, XXXX continues to show them as past due and claims that they have confirmed with Navient that I still am responsible for the loans. I attempted to call Navient twice, however, they said they have no loans in my name and can not talk to me about the loans that are now in XXXX XXXX 's name only. I have attached documentation regarding the bankruptcy, the letters and refund documentation from Navient and my identification documentation.
I sold a purse and the buyer opened a case on PayPal 1 month later, saying that the item was not as described ... ... the item was n't returned to me by the buyer. PayPal got my money and I was left without the item and without the money, also PayPal charged me a {$25.00} fee on top of taking my money for the item I sold for {$880.00}. So PayPal got from me {$910.00} ... .please help me
I attempted to pay my mortgage to Bank of America in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX when I called to pay mortgage I received a message stating that my Bank of America Mortgage Account was closed. When I followed up with Bank of America Home Mortgage I was told that my account had been sold to XXXX XXXX. I received no notification from Bank of America about the transfer of my mortgage. I have now received a Foreclosure letter from Bank of America and a call from XXXX XXXX company informing me that I owe them two months of mortgage payment. I have not received anything from XXXX XXXX stating if the interest rate and payment I had with Bank of America remains effective. I have also not received any formal information from XXXX XXXX regarding the terms of my mortgage. I am apprehensive to pay Bank of America and XXXX XXXX because I don't know who I should pay and concerned that one of these companies ( Bank of America ) is trying to rip me off for thousands of dollars that I can not afford to duplicate to another mortgage company