WillisBack/dataset-financial-user-claim huggingface dataset:
I do not have overdraft protection selected on my account. Chase bank went ahead and let XXXX withdrawal automatically from the account. on XX/XX/XXXX of {$11.00}. I was then hit with a {$34.00} overdraft fee and that has now been extended to {$54.00} extended overdraft fee.
To whom it may concern, I believe that my mortgage company committed fraud to get my loan approved by forging my signature to XXXX documents stating that I did not have a car loan when I do. They are now trying to bully me. I have obtained an attorney but wanted to do my due diligence and report their actions to the property authorities. I have attached documentation to prove my case. You can clearly see that there are XXXX different signatures.
By the Grace of XXXX, I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX. Police report and FTC report enclosed.
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it on the news. Especially when this is a company that I did not choose to do business with. They should be held to higher standards.
There is an account on my credit profile with Transunion are showing opening which is incorrect. 

1. XXXX XXXX Credit Card shows a balance of {$430.00} which is incorrect. This account balance is XXXX and was closed 4 years ago by me. 

Additionally, the balances on the following accounts are incorrect : 1. XXXX XXXX - balance is {$39.00} not {$630.00} 2. XXXX XXXX XXXX Credit Card - balance is XXXX
I was on XXXX last year and because I didn't file 'Married but separate ', they denied me XXXX. So now I'm stuck paying {$610.00} just to see if I qualify for other repayment plans. They won't even tell me unless I make that ridiculous payment. I can not afford that payment since I already pay another private student loan. 

Please help.
This complaint is about Susquehanna Bank. On XXXX XXXX, I opened a checking account with Susquehanna. At that time, I DID order checks, as is usually the case when opening a new account. Ten days later and AFTER emailing the branch manager ( who did open and receive the emails ) I learned that the checks had never been ordered. I called the branch manager who did not return my calls. I called the region manager who failed to return my calls or emails and who could not be found by her staff. I called the VP of retail operations and he said that he would take care of it. Then he called back and said that he was closing my account immediately on XXXX XXXX. He claimed that I had worked my way up the chain of command and he did not accept that. 

I expect the account to be reopened, checks to be sent to me and my debit card to be reactivated. I should note that my SSA deposit is due to be made on XXXX XXXX and the account must be open to accept it. The Retail operations VP ( XXXX ) refused. I have had to pay an attorney to contact The banks general counsel who failed to respond to his calls and emails. I also contacted the President, XXXX XXXX and his superiors at BB & T which is acquiring the bank. No response I should note that I am XXXX under the ADA.
XXXX sold my debt to XXXX management. I fell behind on a payment and before I could settle they sold the debt. So I feel they are n't the ones to be paid. Although the they have received payments from me
This amount is incorrect it was for phone service and all phones were returned. and service was cancelled. i did report a dispute on  XXXX / XXXX /   2016  and was removed from my   XXXX   credit file, and was also removed from  XXXX , but i spoke to a  XXXX  representative who gave me your information to contact you because they keep putting in my credit file.
On Tuesday, XX/XX/2019, XXXX XXXX, personal banker, put in an order on his computer to issue a {$25.00} credit to be deposited in my checking account at Bank of America, XXXX XXXX branch. I had been charged a {$25.00} maintenance fee for letting my checking balance get below the {$20000.00} required for the Preferred Rewards status. When I let the balance drop, I had assumed that I would, automatically, be dropped from that classification and enrolled in an account that didn't require a {$20000.00} balance. My assumption was wrong, and I was charged the {$25.00}. XXXX XXXX was sympathetic to my situation and ordered a {$25.00} credit for the account and then enrolled me in an account that required only a {$250.00} balance. To date, I have not received the {$25.00}. XXXX XXXX has not responded to three emails, and XXXX XXXX XXXX has not responded to a letter I sent which was dated XX/XX/XXXX. XXXX XXXX and XXXX XXXX seem uninterested in telling me why the {$25.00} transaction did not go through. I want to know why the transaction has not gone through.
Name : XXXX XXXX XXXX XXXX XXXX : Grant Mercantile Agency Account : XXXX XXXX XXXX XXXX XXXX, Grant Mercantile Agency has been sending me threatening letters and emails trying to collect a debt for XXXX XXXX XXXX XXXX that was Discharged in my Bankruptcy No. : XXXX. We have sent them numerous documents including XXXX XXXX XXXX XXXX Statement of Charges showing ( XXXX ) XXXX balances and XXXX due, stamped, dated and initialed by the XXXX XXXX XXXX XXXX supervisor. 

They were also given the phone numbers of XXXX XXXX XXXX XXXX patient records so that they could call to verify our documents but according to XXXX XXXX XXXX XXXX 's last contact ... GMA has never made any attempt to contact them in anyway. 

Further, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would take legal action against me.
Grimm collections repeatedly called me after chapter XXXX was filed ... even as they were accepting payment from the court. Bankruptcy is complete and they are still calling me attempting to collect.
My complaint is in conjunction with a complaint filed XXXX XXXX, XXXX ( Acct # XXXX. That complaint was against the servicer XXXX XXXX XXXX XXXX ( XXXX ). After providing supportive evidence of my complaint to XXXX ombudsman office, XXXX XXXX and their attorney it has become evident they intend to do nothing about the mistakes in accounting on my loan. Prior to XXXX being the servicer JP Morgan Chase under the brand name of EMC Mortgage Corporation was the servicer and prior to Chase it was EMC. My complaint involves errors in accounting at the time when JP Morgan Chase purchased XXXX XXXX which was owner of my account. More specifically in XX/XX/XXXX. As a result of these errors which include a notice of foreclosure based on information that I was behind in my mortgage payments. After presenting evidence to XXXX from my bank statements and from the payment history supplied by Chase it became evident that gross errors were made. As a result of these errors I signed a repayment contract and later on asked for and received a modification which allowed the money allegedly owed on the foreclosure to be added to my principle. This was all done by EMC/Chase who was acting as servicer. As a result of these circuitous dealings XXXX has been charging interest on an erroneous principle. 
Since SPS is doing nothing to correct this situation I am filing a complaint against JP Morgan Chase where the problem originated. However, XXXX has perpetuated in issue. I am now in foreclosure. I have a seller for the property. I need the amount owed to reflect correct accounting. Aside from the mistakes mentioned above there was also under reporting of mortgage interest.
I spoke with XXXX people at XXXX XXXX. The XXXX was a man who was very threatening and said my husband would go to jail, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.
When having my credit pulled, to purchase a house, a late payment was identified on my report. The late payment was a result of US Bank charging an annual fee for a credit card and not sending an invoice. I had a XXXX dollar balance so I never thought to look. US Bank agreed to dismiss the charges but required a written notification to reverse the negative marks on my credit report. 

I submitted the request and was told I would receive a response within 30 days. That time has come and gone and I have received nothing. I tried to contact US Bank 's credit department but was told they do not have phones or take calls. No one can tell me if/why/when the negative marks will be removed from my report. In the mean time this single instance of a {$49.00} late fee ( that was removed ) lowered my credit by XXXX points and will cost me {$1000.00} 's in interest over the life of a new mortgage. 

I would like to be able to contact US Bank and discuss this issue directly and resolve my credit in a timely manner. Is there anyway to force them to speak with me or any other actions I can take? Do I need to sue US Bank to resolve the issue and can I sue them for the future interest that I will pay? I very much doubt I will sue them for {$49.00} but maybe XXXX would get their attention.
On XXXX XXXX, XXXX I applied for XXXX XXXX credit card. XXXX XXXX sent me a paper with my interest rate based on my credit score. It used TransUnion credit score of XXXX in FICO Credit Score range. XXXX XXXX explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with Transunion and it was 807 ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with transunion credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted Transunion through phone ( no other options are available ). I was told that they only have access to my today 's credit score and they can not give me any information about capital one inquiry. To summarize I want request Transunion to release my credit score ( that was reported to XXXX XXXX on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want Transunion to report my updated score to the XXXX XXXX.
I made a purchase in XXXX with Capitalone credit card who claims not to charge a foreign transaction fee. I make the purchase on Tuesday XXXX XXXX at app XXXX PDT. Capitalone texted me and asked me if I authorized a charge for {$1200.00} to XXXX for airplane tickets. I confirmed. And after checking foreign exchange rate at the time of purchase, I can agree to {$1200.00}. 
On my statement, Capitalone is charging me {$1200.00}. When I called last Friday ( XXXX XXXX ) to Capitalone to bring this up to their attention, they said that only {$1200.00} will be charged. When I called today ( XXXX XXXX ), they said that the charge came from XXXX, possibly for baggage charge. Such is obviously not true. 

Basically, Capitalone is not honest in the exchange rates for foreign transactions. In fact, they can charge any rate they wish. Consumer who are expecting to a particular amount on their credit card bill can be shocked to a much higher amount.
Equifax has asked several questions to confirm my identity but I have been failing them. I asked what company provides the questions and the answers. The questions they've asked me are answered correctly which makes me concerned about account opened in my name. I need access to the accounts that they are showing to ask questions. In the meantime, I froze my employment data with The Work Number but I am very concern about accounts they are asking about.
OnXX/XX/2018 with experian, I have receive my Dispute results regarding 10 addresses that's incomplete or inaccurate on my credit report that was still not corrected. Also I was needing to remove additional discrepancies on my report as well. I've been trying to reach a customer service rep to address the issues by calling the different numbers they have on XXXX and got nowhere. Trying to speak with someone is impossible with experian and difficult.
My report contains information that should be deleted due to settlement with the original creditor, a third party agency refuses to remove their mark even after I proved to them that I paid the debt, according to settlement with XXXX they placed a balance for collection after I settled the debt with them then they reported the wrong open date to keep it on my report, this is a violation of FCRA
BSI Financial Services assume my home mortgage on XXXX XXXX from XXXX and held it until XXXX XXXX when they have transferred it to XXXX. I recently discovered that BSI debated my escrow account with BSI about {$2200.00}, on top of the money requires for paying the property tax. Upon my inquiry BSI informed me that it placed force property insurance on my property. My property at that time, always, and as of this time, was and is insured through the Home Owners Association. This information was provided to BSI by XXXX with the transferred mortgage papers. In addition, per BSI request, I had the insurance company, XXXX XXXX XXXX XXXX, providing BSI directly with CERTIFICATE OF PROPERTY INSURANCE. I have verified that the proof of insurance was sent by the insurance company and was received by BSI. BSI never informed me that they intend to charge me with any insurance. BSI 's monthly statement never showed such a deduction. BSI have not changed my billing to show any additional charges let alone insurance charges. They kept charging my escrow account keeping this information hidden from me on your BSI internal books never notifying me or alerting me in any way. Never asking me for a payment to cover the ever increasing negative balance in the escrow account. 
I have attempted to resolve this problem with BSI to no avail. I need BSI to return the money, {$2200.00}, they have improperly taken out of my escrow account.
This company is not licensed to collect debt in Michigan. The companys name is Hunter Warfield. 
Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Amount : {$4600.00} This company is attempting to collect a debt that is not owed to them. I never signed any agreement with this creditor. They called me multiple times & harassed me to the point where I had to change my telephone number. This company is also reporting on my credit bureau reports. I attempted to have the debt validated and the company was unable to validate it with a signature page.
I signed up with a promotional code offered by Citibank offering XXXX AAdvantage Miles ( XXXX XXXX ) for opening a CitiGold checking account and completing a few requirements, eg. Making {$1000.00} in debit card purchases and using their billpay system in two consecutive months. I opened the account using the promotion code, and I sent Citibank a message through their online banking to confirm the offer was applied to my account. I received the following response " I have contacted XXXX ( XXXX ) on your behalf and I have confirmed that your account was opened with promotion : XXXX -Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
-Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the Citibank Debit Card must be posted to the new checking account AND 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

XXXX XXXX, I am confident that this information will be helpful for you. I would like to personally thank you for your business and we appreciate having you for our customer. We look forward to serving you for many years to come! '' This secure message confirmed to me that the account was opened correctly and the promotion was active. Upon completing the requirements I contacted Citi again to confirm the requirements were met their response is as follows '' XXXX XXXX, I understand you will like to know if you completed the requirements for the promotion you used when your account was opened, my name is XXXX and I will gladly explain if we can expedite the bonus miles and confirm if you completed the requirements. 

I am glad to see that you completed the requirements in this month of XXXX and I happy to hear that you will be planning a trip soon and you will like to use the bonus miles, however we are unable to expedite the bonus, Citibank needs to make sure that all our clients fulfill all the Terms and Conditions for our promotions equally and fairly. '' This message went on to explain more of the terms and conditions which confirm that I was eligible as I received this offered code and I have not been a Citi account holder in the previous 60 days. 

I it has been more than 90 days since I completed the requirements of the promotion and the AAdvantage miles have not posted. I have tried to contact Citibank but they continue to respond with vague promises to respond and no resolutions, they refuse give time frames or confirm the date I will receive the miles and I have to date not received the promotional miles. 

Citibank through two separate secure messages confirmed the promotion was applied to my account, and confirmed I met the requirements for the bonus. They are now trying to deny awarding this bonus to me. Citibank is acting fraudulently and are trying to get out of awarding the bonus.
I went to drive time with my granddaughter to buy a car. I was told I had to " cosign '' for her. She did not make timely payments however has paid XXXX more than if she had. This has my credit looking very poorly. Drive time refuses to sent me itemized statements. And to top it off I was told I was n't a " cosigner '' at all. Her names nowhere on the contract yet she signed the same paperwork I did.
Due to Equifax 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with Equifax which I have tried ( XXXX XXXX, XXXX ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically Equifax, but rather a call center company, and can not answer any real questions about their services and what signing up for TrustedID Premier does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news Equifax might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because Equifax has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact XXXX but their lines are also shut down.
I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!
Wells Fargo Dealer Services keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?
In  XXXX  we had a fire that gutted our home. Fast forward to a month ago the insurance company finally sent the insurance claim funds to Bank that holds our mortgage ( which in this case  is Loan Care LLC ). For the last three weeks we along with our public adjuster and contractor have been on the phone with Loan Care because they are refusing to release the funds. Please see the attached document with a detailed time line of the situation.
I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.
Regular robo calls from EOSCCA XXXX XXXX XXXX XXXX MA XXXX XXXX a debt collector with only a phone number. 
We have no debts.
I am being brought to court for a debt that has been paid and removed from my credit report 6 months ago. Just last week I got a summons to appear in court to pay a debt that has already been satisfied. Now my credit score is down. How is this legal? If I do n't go to court the law will favor the collection agency and garnish my wages. Yet I 've already paid this debt, and have proof of payment
Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XXXX if all debts were discharged on XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.
I called Transunion today ( X/XX/17 ) to dispute multiple inquiries on my report. I am a victim of fraud with an active fraud alert. I do not recognize some of the inquiries and there are multiple ( duplicates ) for ones I do recognize. I was not contacted by any of these companies as required. I was told I needed to reach out to the creditor. I am taken aback that I should call someone who I never did business with in the first place. Transunion is constantly experiencing technical difficulties and " glitches '' through out their systems. It is hard to believe they are at all capable of protecting or providing correct information.