WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/16, I received my initial auto loan statement from TD Auto Finance, in which the payment was due on XXXX/XXXX/16. After receiving and reviewing the statement, I went online to www.tdautofinance.com to set up automatic payments. I opted to have my checking account drafted for the payment amount due each month. I also set up e-statements in order to forgo receiving paper statements every month. The process went smoothly and the first payment was processed with no issues or problems. 

However, on XXXX/XXXX/16, I discovered after signing into my auto loan account through the TD Auto Finance website that I was unable to view my online e-statement for any of my XXXX statements generated thus far. As a result, I decided to call a TD Auto Finance customer service representative to find out why I was unable to access my statement details. After inquiring, the customer service representative informed me that monthly statements are discontinued ( both paper and e-statements ) because of signing up for automatic payment deductions. According to the customer service representative, this has always been a practice at TD Auto Finance. 

Another concern I discovered and brought to the customer service representative was regarding how TD Auto Finance applies additional auto loan payments. There is no option under auto payment for consumers to make a payment for more than the minimum payment due, if the consumer elects to do so. If the consumer elects to make an additional payment to his/her account, then the consumer must make a separate one-time payment. On XXXX/XXXX/16, I elected to make an additional payment of {$30.00} to my auto loan separately from my minimum auto loan payment. Therefore, XXXX separate transactions took place. As a result, I wanted the additional payment of {$30.00} to be applied towards my outstanding principal balance. However, in viewing my account online, it was determined it was not applied towards the principle balance. The payment was applied towards interest, which in turn, lowered the next month 's minimum monthly balance due. On XXXX/XXXX/16, after inquiring with the customer service representative, she confirmed that any additional payments made are not automatically applied to the remaining outstanding principal balance. The representative further stated that if I wanted additional payments applied towards the principle balance then I have to call a representative or send a secure message through the website each time. I made it clear to the customer service representative that I wanted the additional payment I made on XXXX XXXX, 2016 for {$30.00} reallocated towards the outstanding principal balance. I also requested a statement to reflect the payment reallocation. 

My concerns noted above appear to be potential violations of law under Regulations E & Z and warrants further investigation. Please note that I conducted a XXXX search titled " TD Auto Finance consumer complaints '' and I have found a slew of complaints pertaining to issues with TD Auto Finance 's poor billing and payment allocation practices. As a result, the issues noted above appear to be systemic issues.
Equifax is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.
On XX/XX/XXXX, I made a mobile deposit for {$45.00}. I got an email confirmation that the mobile check deposit has been received from Citibank. I keep an XXXX spreadsheet of my bank balances with all the despots and withdrawals every day and a I saw that the balance on the account was enough to cover all the checks and ATM withdrawals for the day. 

The next day, on XX/XX/XXXX, however, I saw that my account was overdrawn and my mobile check deposit was still showing as pending. The mobile check deposit didn't post on time unlike what the e-mail confirmation said. Due to this reason I was charged a fee of {$34.00}, however this brought my account to a negative balance. I called the bank to get this fee reversed and they were able to credit my account. 

The next day, on XX/XX/XXXX, I was charged a second overdraft fee of {$34.00} because my account was overdrawn the day before with a negative balance. Then the next day, on XX/XX/XXXX, I got charged another overdraft fee of {$34.00} for being overdrawn the day before. The mobile check deposit that DID NOT get posted on time and get reflected on time triggered my account to become overdrawn, and because I was charged an overdraft fee it made my account to become overdrawn again and again. 

I believe this is a bank error and Citibank did not notify me the accurate balance on the account from XX/XX/XXXX. It started with the mobile check that did not post when it showed that it did. Their app was having technical difficulties on that day and it didn't get properly credited to my account. Had I known that I didn't have enough money to cover the checks then I wouldn't have withdrew money from the ATM each night to bring my balance down to negative. Instead, I would've deposited more money in the account.
I had a credit card with Barclay Card USA which I asked them for full balance for payoff so I could close the account several months ago. I paid the amount they provided as the payoff and closed/canceled the credit card. I received a bill today from the credit card company and when I called them about it they would not provide me any information. Once I paid off the payoff amount they provided and canceled the card then nothing should have charged my account.
Portfolio Recovery Associates has been continuously reporting an entry on my credit report and not validated the entry. In my previous disputes to XXXX and XXXX, they responded that the accounts were verified. To that end, I sent a dispute certified with return receipt to them. I sent my first dispute to the Portfolio in XX/XX/XXXX and their response was a mere summary drafted on their letterhead. This did not provide any substantial justification regarding the amount they were alleging I owed. As a matter of fact, it was very questionable. Thus warranted my follow response refuting what they sent. In my letter dated XX/XX/XXXX ( see attached ) ; I specifically pointed our the errors and inaccuracies that they were reporting and to date are still reporting. 

To recapitulate, Portfolio opted to not send a dunning letter notifying me that they were attempting to collect a debt. Hence violating my consumer rights that would have afforded me the opportunity to dispute the validity of the alleged debt. Additionally, in my XX/XX/XXXX dispute, they neglected to fully investigate the dispute I submitted and provide the requested documentation to validate the alleged debt they are reporting. Further, upon my sending a 2nd letter to them in XX/XX/XXXX specifically denoting the inaccuracies, they have failed to update the entry on my credit report and have failed to provide the documentation supporting them having the ability to report this account as a data factoring account. Portfolio continues to blatantly violate my consumer rights. 

Given the aforementioned information as well as the supporting documentation attached, this entry mandates a DELETION IMMEDIATELY!!
I have had several account, that don't belong to me or that aren't correct. The accounts are as follows : XXXX XXXX acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, TX XXXX  Original creditor ( XXXX XXXX ) Never had this account, didn't sign for it or authorize this account to be issued.

Receivable Recovery Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX, XXXX, LA XXXX  original creditor ( XXXX XXXX XXXX ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. Receivable Recovery, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.
I was divorced in XXXX at which time my ex-husband retained the family home but could not qualify due to poor credit to refinance and also due to the home 's negative equity which was and still is approx {$100000.00} - {$150000.00}. Our mortgage at the time was a conventional loan with XXXX which was reassigned to Caliber sometime after XXXX in XXXX. In XXXX of XXXX Caliber Home Loans modified the loan to an interest-only payment ( on a home already over-leveraged by almost 40 % of its actual current value ) without my knowledge, consent or signature. I am a full co-borrower on the loan, but no longer on the deed. Caliber is stating they did not need my signature to process this loan modification that altered the terms of the loan I had agreed to because I am not on the deed. I am stating that what they did was illegal and constitutes fraud. I have attached the modification agreement for your review. On my signature line, Caliber instructed my ex-husband to write in " N/A ( per quitclaim ''. I contend that Caliber was fraudulent in doing so, and that they did so based on my ex-husband 's sole income, financials and ability to pay, I should be removed from the loan, paid damages for the damage to my credit for all the late payments my ex-husband has made. In addition, I want to stop them from processing a deed in lieu of foreclosure on this property which I have now learned my ex-husband and co-borrower has initiated application for at this time. Contact at Caliber is XXXX XXXX, Assistant VP of Loss Prevention Claims, XXXX
Details Account : 1ST FRANKLIN FINANCIAL Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by 1ST FRANKLIN FINANCIAL, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
My mom took out a refinance auto loan with Santander Bank to lower her payments. She passed away on XX/XX/XXXX I 've been making payments to them for XXXX years. I fell behind and all I owe is a balance of XXXX. They came and took the car and I spoke to her about getting it back. She asked me if I had the past due amount I said yes. She then went on to say that she could release the car to me cause she has the authority to release it to anyone she wishes to. But she had to speak to someone and get back with me. I then said ok so when she call me back she asked it I had a death certificate I said yes and then she asked if my mom had a power of attorney I said no. Then she asked if I had gotten a executive of estate I said no cause I did n't know I had to have one. She then proceed on to say that she could n't give me the car back and asked if I had received the letter she sent out withall the extra money iI would need to have in order to get the car back. I said yes she said it 's going to take me XXXX days to get the executive of estate by the date she gave me which was XXXX XXXX, XXXX XXXX in which the car will be auctioned off. I then asked to retrieve my b belongings from the car in which I drove XXXX hour to get and I did n't have the death certificate so she said no. I then came home and called the attorney general office in which she refused to speak with the person who called. So the person told me to speak with XXXX to get a lawyer which I did. And she also told me to make a complaint against them. I have come up with the monies for this vehicle which is book value of over {$6400.00} dollars. I do n't understand why she is being so mean and rude about this situation when I clearly paid for a lot of this vehicle. I 'm going to attach the letter she sent me and. Where she comes up with the amount of the storage fee and days. Also look at what she states about having the monies by XX/XX/XXXX or its going to be auctioned off. Please help with this cause this is the only thing I have left of my mom 's.
XXXX XXXX - I made a transaction from my XXXX account to my XXXX ( Coinbase ) Ether account of XXXX XXXX worth {$860.00} at that time. 

I realize that I must not send XXXX XXXX to my XXXX Ether address. However mistakes happen and now I have {$860.00} dollars worth of XXXX sitting at this address at XXXX and I ca n't access it. 

I immediately tried to cancel the transaction but it was too late. I also immediately contacted the customer support but I was told that the money is not accessible. 

I understand that I made a mistake and I also understand if I have to pay a service fee to get my money back - but I ca n't accept that the money is lost.
I have received several notifications from ERC regarding an XXXX XXXX XXXX XXXX account I never obtained with the company. Each time I received a letter from them I sent them a letter asking them to validate not verify that this account, in fact, belongs to me. All they send is a copy of one bill with no signature, no contract, no validation that this is my debt. In the letters I sent to them I have sent them this statement that shows that they ca n't just supply a bill and say that it is mine. Anyone can send a bill but can they validate it? As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have mailed them the last letter dated for X/XX/2017 requesting this information once again. If they fail to produce the contract with my signature then I will take the next steps as they are in non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX ( Original Creditor : MEDICAL ) XXXX
On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from Western Union regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. XXXX XXXX XXXX XXXX confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. Western Union claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. Western Union stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer that was never authorized. I have disputed this with the bank and Western Union. Western Union complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always state to call later. Several case # s assigned. Bank and Western Union refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.
This company XXXX XXXX was hired by XXXX XXXX XXXX XXXX to collect a debt that was discharged in  a Bankruptcy due to medical reasons. It was filed in 2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. XXXX XXXX XXXX XXXX is intercepting my tax returns, even though they have collected over {$27.00}, 000 through wage garnishment. 
When I call XXXX XXXX, they refer me to the XXXX XXXX XXXX, and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.
Original complaint filed XXXX. We continue to have issues with XXXX XXXX  collection methods. After struggling due to spouses medical issues and lost time at work, we basically have a rolling 30 day delq. We had made arrangements to make a payment on XX/XX/XXXX, then another 3 wks later. We made the payment on the XXXX as promised. On XX/XX/XXXX, XXXX received a text : Fwd : '' XXXX we are sending tow truck and officer to come pick up the explorer for non payment thanks. '' I called this individual, named XXXX, who claimed to be employed by Pinnacle. He stated he was getting a warrant and coming with the police to get the car. I got him to back off, explaining we had an arrangement. I made the next payment on XX/XX/XXXX as promised. When is didn't clear our acct a week later, I called and found out the didn't post the payment per instr from XXXX XXXX. I spoke with XXXX and she said I needed to follow the instr in an email, which I did not receive. She sent a new email, stating we needed to complete a credit app along with sending a cashier 's ck for {$1200.00}, which is more than is due. I offered to send {$620.00} now and {$600.00} by the XXXX and she refused. If they would've posted the payment on XX/XX/XXXX, the loan would've been within 30 days. They didn't notify us that they weren't going to post the payment and haven't returned the payment. Insisting on a cashiers check when we have never had an nsf with them. I feel they didn't post the payment to allow the loan to show more delq. There practices continue to be unethical and I'm not sure what to due at this point. With the payment they are holding and I can afford another payment, then the loan would be due for XX/XX/XXXX, but they want the XX/XX/XXXX payment, that is not due yet and we don't have it right now.
I want to apply for Amex 's Blue Cash Everyday card, yet its website will not allow me to. There is nowhere to print out an application. In order to use its online application, I need to already have an Amex card, which I do not. I want to apply myself and get a hard copy of the completed application, yet there is no way to do this. I should not be forced to call AMEX to apply for a credit card. I should be allowed to complete an application myself for any credit card it advertises. This is not the case. 

AMEX engages in false and misleading advertising. 

See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Last year I filed a complaint with you regards to Midland Funding. A few years back I noticed that Midland Funding showed up on my credit report and disputed it through XXXX and XXXX because I did n't know who they were. I received a letter from the credit reporting agency that they did not respond so it was removed. Last year my work received a garnishment letter from the Sheriff. I was given this information from my employeer. I contacted Midland Funding who referred me to the collection agency they had turned it over to. When I contacted the collection agency the informed me that this was for XXXX XXXX XXXX. I financed a vehicle for my family member back in 2001 and never knew the vehicle was taken back by XXXX XXXX XXXX. I was able to verify the date that the last payment was made. I contacted the courts to see when a judgement was filed. I contacted an attorney who informed me that the statue to file a judgement in NY was six years from the last payment. After verifying this the judgement was filed after six years and I was never served with paper from XXXX XXXX XXXX, Midland Funding or the collection agency that they were suing me for this debt. The collection agency informed me that payments were made to them in the last coule of years, I asked them for copies of these payments made which they said they could n't provide me. This clearly is because I never made payments to them and my family member who I financed the vehicle never made payments them either. I want proof of these payments made within the statue of limitations which were never provided. I was informed to file a complaint through this site and am also going to seek an attorney as well to assit with this matter. I would like assistance to find out how they can violate the law and not provide me with this so called payment that I made to this account. I would like this documentation but none of them will provide me with this because it is not the case. I was told that you could assist with getting them to provide this since their acting in violation of the states laws. I notice that the collection agency they placed this with has been sued several times due to this. I was told I could also file something with the attorney general which I will also be ding today.
I have been usin g TCF Bank  until recently when I read about the unfair ways they are " tricking '' their customers into overdraft fees. I have had NUMEROUS issues with them and they continued to do it. I switched banks, but still have a couple auto withdrawls and a weekly automatic deposit. I looked at my account and was charged {$110.00} in overdraft fees today. I called TCF and they said there were several items that caused the overdraft. When I looked at my account yesterday, it was positive, with  XXXX  pending withdrawls and automatic deposit. It did n't make sense at all why I would be charged  XXXX  fees. They refused to help me and I hung up the phone.
XXXX I never had an account with them XXXX XXXX I reported my card lost and to close the account and they did n't and that I do n't know what Transworld system is and it was open XX/XX/2012 I have no idea on what all this is on my credit the only thing that should be on my credit is really nothing everything 's up to date except I 'm behind on one of my credit cards to my credit cards but those are getting paid next month and that 's XXXX and XXXX XXXX those XXXX credit cards are getting paid next month but other than that I should n't have anything else on my credit somebody is using my credit out there and it 's going on my credit