WillisBack/dataset-financial-user-claim huggingface dataset:
I had a basic checking account with T.D. Bank in XXXX, XXXX. I was told when i opened the account that, if i chose i could allow overdrafts on the account with no fee if repaid within 10 days or something like that. I told them no, i absolutely did not want that service on the account, and was told i then had overdraft protection and could not overdraft on this account. Because of personal unforseen circumstances i was forced to move from the area unexpectedly. The last time i used my debit card i had around XXXX $ left in the account. Not having access to the bank in any way, shape, or form, i assumed the account would simply be closed. Now i have settled in XXXX and been denied a checking account on the basis of a report from " XXXX '' which claims that my account at TD. Bank was overdrawn by an amount of XXXX cents!! Needless to say they then of course added their standard fee of XXXX more dollars to that for a total of {$35.00}. I then called the branch where i opened the account to find out how this even happened, and how i could resolve the problem if possible. I was told that once an account is charged off there is no information about the account on file except the amount owed, and that i could only pay the amount due in person. Being in XXXX XXXX there are no branches of TD. Bank so i asked if my brother or sister could do that for me and was told yes they could provided they had my account number and s.s. number. My sister went and attempted to do that for me and was told she couldnt do that without power of attorney! This whole situation is totally ridiculous! I also requested my report from chex systems, which was supposed to take 5 business days, and ended up taking 3 weeks, and it told me absolutely nothing other than being reported by TD.Bank for the overdraft. I really feel like both TD. Bank and XXXX are wrong and pretty shady. I know that chex systems reports anything reported to them without any type of proof or documentation. That in and of itself is wrong.
Ive faxed and mailed several letters to XXXX, XXXX  and Experian stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Last month, on XX/XX/XXXX, I realized that I had not paid one dollar toward the premium on my auto loan. A friend of mine in the conversation said " What do you owe? You've had your car loan long enough to be paid off already. I looked at the bill and was outraged to see that I had not paid anything on the premium and had been only paying off the monthly interest. I called the company to see if they could release the loan or refinance it. They said that they understood, but they do not refinance their loans. The loan was for a XXXX XXXX that I had purchased on XX/XX/XXXX, for {$9000.00} with XXXX on miles on it, from dealer # XXXX with a car loan for close to {$11000.00}. The payoff amount ( today ) on XX/XX/XXXX, including repossession fees of {$880.00} totals for {$9700.00}. 
The company is Santander Consumer USA Account Number Is XXXX Monthly payment is {$280.00} Monthly interest is {$280.00} XX/XX/XXXX past due is {$1700.00} ( per their website ) Last payment was {$850.00} on XX/XX/XXXX ( paid from student loan ) Account Maturity is XX/XX/XXXX Next payment is due on XX/XX/XXXX I figure if my payments started in XX/XX/XXXX and ended in XX/XX/XXXX that I would have paid 44 ( months total ) x {$280.00} ( monthly payment amount ) equalling {$12000.00} and that amount comes way over the {$11000.00} loan amount I thought I was paying for my car. I have been told I will probably go to my grave and my car will be my coffin if I don't do something now about this loan. Santander will not help me, even if they know I am a XXXX XXXX, under a hardship, and having trouble making my payments. I did not know auto loans like this ever existed and feel embarrassed that I got bluffed by a loan shark and a crooked dealership.
On XX/XX/XXXX I made a payment on my credit card of {$1100.00} to pay off the balance on my credit card. On XX/XX/XXXX another payment was withdrawn from my checking account for that same amount showing a second payment of {$1100.00}. When I noticed the error I called Union Bank about a double payment made on the credit card. I requested the extra payment of {$1100.00} be deposited to my checking account, also held with Union Bank, from which the payment was made. Instead, the customer service representative insisted it was too late to reverse the payment to my checking account and a check must be mailed. A check was never received at either of the two addresses provided and it is now XX/XX/XXXX. I have made a series of at least three phone calls to Union Bank and I keep getting nowhere. Union Bank representatives keep resending the checks, but I have never received any of the checks allegedly sent. I again suggested the amount simply be directly deposited into my checking account, which is also with Union Bank, but Union Bank refuses to do so.
I sold a watch on XXXX  and then they returned it when the buyer did not like it to an address I have not lived at in over ten years. Then when the people currently living there would not accept it XXXX  then shipped it back to the buyer and automatically debited my paywall account the XXXX dollars. Both XXXX and Paypall refuse to do anything including get me back my grandfathers XXXX watch that I mistakenly sold for XXXX that is actually worth over XXXX please help even if its just getting me my watch back.
I contacted PennyMac mortgage for deed in lieu in XXXX of XXXX. My home in Alabama had been on the market since XXXX of XXXX ( now over 28 months ), I suffered job loss in XXXX of XXXX and moved to Texas for employment in XXXX of XXXX. The home is located in an economically depressed area and I have not been able to sell. 
Before I could be considered for deed in lieu I was told by PennyMac that I first had to apply for modification ( denied in XXXX of XXXX ). I was then told that I had to apply for a short sale before I could be considered for a deed in lieu. Both the deed in lieu and short sale were denied in XXXX of XXXX based upon their XXXX XXXX appraisal. However I continued my attempts to avoid foreclosure by listing the home which failed inspection by a potential buyer in XXXX XXXX which I provided to PennyMac. I subsequently obtained my own appraisal in XXXX XXXX which the PennyMac refused to consider because it was substantially lower than that obtained by PennyMac in XXXX XXXX. After another purchaser presented, PennyMac refused to consider a short sale and finally repeated their appraisal which still is considerably higher than the market will bear. 
I had contacted HUD who suggested that I undergo credit counseling which I did. Both HUD representatives and the XXXX credit counseling agency were concerned regarding my experience with PennyMac and apparently mine is not an isolated incidence. I currently have a buyer ( short sale ) however while PennyMac has finally decided to present my file to HUD, they are not being forthcoming regarding information required from me and although this information has been previously provided, I am concerned that " lack of information/compliance '' will be used as a means to terminate the short sale and proceed with foreclosure which is now scheduled for XXXX XXXX, XXXX. 
I am in disbelief that PennyMac maintains the position that foreclosure is a better financial alternative to a short sale. My credit has been significantly and adversely affected by PennyMac 's commitment to proceeding with foreclosure as the representative has also refused to intervene and place these proceedings on hold.
This is XXXX XXXX. XXXX. They call daily. They want an account number, which we do not have, and a SSN, which we will not give. We do not owe money anywhere, never have. They call so much that it now goes to XXXX. Thinking this is a scam of some sort.
I have contacted Equifax, XXXX and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
BBT BANK IS REFUSING TO REFUND {$36.00} OVERDRAFT FEE BACK INTO OUR ACCOUNT WHEN THE MONEY WAS THEIR. TRANSFER FROM SAVINGS TO CHECKING OF {$200.00} WAS PUT ON PENDING WAS MADE ON XXXX/XXXX/16. MONEY WAS NOT RELEASED FROM SAVINGS TO CHECKING UNTIL XXXX/XXXX/16 WHICH THE BANK CHARGED ME AN OVERDRAFT OF {$36.00}. I CALLED THE BANK AND TOLD THEM ABOUT THE ERROR AND THEY FLATLY REFUSED TO MAKE CORRECTION.
I had my purse stolen in 2007. They never found the person responsible. I cancelled everything, credit cards, debit cards etc. My social security card was in this purse as well as my license. Several years later I was contacted by certified mail and told I needed to appear in court in XXXX maine. It stated I had a very large medical bill I had not paid. I called the lawyer representing the medical facility and explained it was not my bill. He took some information then and asked me if my identity had been stolen. I did n't think so, because there were no other things showing up. Since then there is a different name aka on my credit report and many, many accounts that are not mine. They are actually fairly good credit. My debt to income ration according to this report is extremely high. In actuality my debt to income is extremely low. I have tried to dispute this with XXXX. I even tried to go through XXXX XXXX. At this point the horse is out of the barn, so to speak, so XXXX XXXX does n't do me any good. I have read up on this and found that I have a crossed credit or something. They say it is the most difficult to fix. Any help you could give me would be wonderful. Thank you
Was contacted by Cans Central of Tennessee, LLC address XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX phoone XXXX saying that I owed them money on a payday loan. I have never applied for a payday loan and do not have any idea who they are or where they are. They would not provide me an ip address or any other information and all they had was my name address and home phone number. They asked me for the last XXXX digits of my social to verify but they did not tell me the number they had. I called them back and they sent me a letter telling me how to dispute the charges. I have never made the charges why do I need to defend something they cant prove I did because I did not make this loan and they cant tell me where they even sent the money supposedly borrowed. I contacted my attorney and he told me to make a complaint here and he is going to send them a letter.
PayPal sent my negative account balance to collection despite me making regular payments towards it. At the end of last year, a chargeback sent my PayPal account negative. It was {$1300.00}, large compared to the transactions I generally process through Paypal. Throughout XX/XX/XXXX and XX/XX/XXXX, I made regular payments toward this balance- over {$700.00} worth in fact- and I have been continuing to make payments. I received a letter from a collection agency demanding about {$100.00} more than my account is currently negative! PayPal Account ID : XXXX
I took out 4 student loans while attending the XXXX  XXXX XXXX between XXXX. These loans were originally service through XXXX XXXX XXXX. I took out 2 loans XX/XX/XXXX and XX/XX/XXXX in which I defaulted on both. As of XX/XX/XXXX those two loans were no longer serviced through XXXX and when then sent to Transworld system. I was contacted by Transworld system around this time regarding my loans and was told that they were a debt collection company who would be now collecting payments for my loans. They stated that my loans were through XXXX XXXX XXXX and that it was important that I paid to avoid being sued. They also stated that interest would still be collected on my loan even though they were in collections. I stated to them that if they are in collections then there shouldn't be any interest and I was told by the representative that even though the private loans are in collection they are still subject to collect interest. I said okay and agreed to a XXXX  monthly payment. When unable to make these payments I was threatened to be sued and taken to court. After looking at my loans carefully I see that my original lender was XXXX XXXX XXXX on my 2 loans that XXXX XXXX XXXX had. I realized that XXXX XXXX XXXX bought my loans from XXXX XXXX XXXX. I also see that XXXX XXXX XXXX has made headlines regarding falsifying documents and taking people to court with not the proper documentation. I also see that they have to pay back XXXX XXXX dollars and that they have to go through 800,000 student loan files and make sure that they have the proper documentation. I'm one of those students who would like to make sure that they have the correct documentation on me and that they were not collecting payments from me after the statute of limitations. Because I have been subject to their harassment of being sued and taken to court and this can be proven because when ever they would call in the representative would state that the call was being recorded. I would like proof that my loans originated from XXXX XXXX XXXX and were not bought. Because I have proof that they originated from XXXX XXXX XXXX. I also want proof that they collected debt from me within the statue of limitations for Michigan because at the time that is where I was living. I would also like proof from the pre-recorded calls that I was threatened to be sued for any nonpayments and breaking my agreement. I will also like to know why I'm now paying money to XXXX XXXX XXXX another debt collection company that has threatened to sue me once on behalf of XXXX XXXX XXXX. After seeing how XXXX XXXX XXXX has made headlines again I have now decided to seek legal counseling regarding what I have gone through with this company. I want what is right for me and I know that XXXX XXXX XXXX has violated many laws against me as well as others
I just found out when I applied for a loan, someone opened up a XXXX phone in my name back in XXXX XXXX they left a balance of {$2400.00}. I am disputing this debt for it is not mine. ( XXXX )
I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX  and XXXX  attachment is my police report for fraud
On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the Transunion details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : XXXX
received a letter from my employer that I was under a wage garnishment. Did not receive any letter for a court hearing, did not receive any letter that a wage garnishment was granted or the amount of the wage garnishment. I checked Maryland judiciary case search and found it was from XXXX XXXX XXXX and my debt was sold to XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Payments began to come out of my pay check inXX/XX/XXXX. I paid an amount of {$1900.00} in the year XX/XX/XXXX. The garnishment continued intoXX/XX/XXXX. To date ( XX/XX/XXXX my amount of debt paid is {$6800.00} I requested a court hearing to stop or modify the payments due to hardship in my family. XXXX XXXX appeared for the court hearing on XX/XX/XXXX and agreed to modify my payments. After receiving my next check I noticed the payments did not change., I called XXXX XXXX office on the following dates : XX/XX/XXXXand XX/XX/XXXX. On every occasion I was refused to be allowed to speak with XXXX whom I conversed with in court. I left messages for him on every date listed above with no return call or email. On XX/XX/XXXX I called the office of XXXX XXXX XXXX again and explained to the receptionist that according to the judgement amount on Maryland case search I had overpaid by {$130.00}. she put me through to the paralegal who refused to give me the total amount of my debt with their company and he would only discuss it with my employer. I asked him why he would not disclose this information as its my case and my wages that are being garnished and he repeated to have my employer call. He intentionally deceived me by refusing to give me the total amount of my debt so I could confirm the amount I have paid and what is still owed. To this day I have had no respose from XXXX XXXX XXXX office regarding this matter.
I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
On my XXXX it shows that Navient originated a loan for XXXX XXXX XXXX in XX/XX/XXXX. It still just shows as originated- since XX/XX/XXXX. Was it supposed to be cancelled? Has it been repaid in the subsequent consolidation and they never updated the status? Is this the one their lender XXXX XXXX charged off in error since it was paid in consolidation?
I sent Afni Inc 2 letters and tracked both. They both were received by Afni, however they have never responded. 

First letter was sent in XXXX XXXX and the 2nd was sent in XXXX XXXX. I have the tracking information and copies of both letters. 


Afni Inc XXXX XXXX XXXX XXXX, IL XXXX.
USAA bank have denied and have suspended our online banking access due to a prior debt that went to collection. This is sort of the same thing that XXXX XXXX XXXX XXXX is being sued for. It is unfair. We still have our money in that bank and we are unable to access our accounts online. We only have the mobile app. That said, it seems though we are being retaliated against. The bank is where people deposit their monies. It 's unfair to deny me online access to my account because I have a delinquent debt. The bank have a protocol to go through to collect debts. They were aware of that when they founded the bank and had their ribbon cutting ceremony that there would be losses. That people will fall short as we have. This account is over 15years old and still we have no access. Collections no longer report this debt, also the bank has wrote if off. Still, we are being penalized. Please help us. We are a military family and do n't have access to a local bank USAA in our area.. However, they are penalizing us by not allowing us access to online banking it is still under suspension. 

Thanks
I went to XXXX to request my free annual 12 month credit reports but each company turned me down and had different information and reasons why I needed to fill out forms and answer different questions to information that they asked and most of this information was incorrect. So therefore they requested I apply/request for my free credit reports by mail and provide the information and proof of Identity and addresses and other information that they requested and answer some questions they had before I sent in the forms and proof of information they require. I also am on XXXX thru Social Security and received a letter on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX about my company that I am with for my Medicare part XXXX ( XXXX ) sent a letter stating that on XXXX XXXX, XXXX this company newkirk is a service provider that issues heathcare id cards for my ( prescription drug plan part XXXX ) thru XXXX XXXX XXXX, had a cyber security incident that my have affected my personal information. I am also going to include a copy of this letter to all XXXX credit bureaus and if needed can send you a copy also. But I also had identity theft that filed XX/XX/XXXX. I had put a security freeze on my accounts also back then, I do not know where or what my XXXX digit numbers they assigned me back then are anymore as I had requested these be removed awhile ago. 
Please let me know there is anything further you need from me. I can be reached via email at XXXXXXXXXXXX or text/phone at XXXX. I also have signed up thru myscore and transunion which came back as XXXX an they also states that they will monitor and safeguard my credit reports and I signed up for this on XXXX/XXXX/XXXX. I also will be contacting XXXX company to enroll in the protection services they are providing which are as follows : Allclear Identity Repair and Allclear Identity Theft Monitoring. And providing them with any disputes and information that is in accurate once I receive my credit reports from all three credit agencies. I appreciate your time and efforts in supplying me with any help in this matter. Also if there is anything further needed from me please do not hesitate to contact me. You can also send any information you find in writing or paper form to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, Minnesota XXXX Sincerely, XXXX XXXX XXXX Thanks so much Also my control number thru the office and management and budget is XXXX XXXX this is the control number assigned
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, XXXX  and Transunion, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
I was the victim of a identity theft. Once I became aware of the situation I notified my bank and filed a report with the FTC. Initially, the bank refunded the fraudulent charges but they have since taken back the credits and closed my accounts. They still owed me {$1500.00}. Then they accepted a deposit from my employer after my account was closed and are refusing to give me this amount as well. I filed a police report in XXXX, XXXX and also in XXXX XXXX. I was contacted by the detective in XXXX today ( XXXX/XXXX/16 ) and was told that they have the suspect in custody. He had the forged identifications in his possession at the time of his arrest. We have been going back and forth with the bank for 2 months to get this issue resolved. At this time, they are showing that money is owed to them by me from the fraudulent charges. The manager at the branch office that I have been working with is now telling me that they are too busy to help me further. I have submitted copies of both police reports and the FTC report to the bank and they are still not willing to resolve the issue.