WillisBack/dataset-financial-user-claim huggingface dataset:
Situation 1 : I notice {$15.00} deducted from my account. The bank states that my account was credited and they are now collecting their funds. I do not believe this to be accurate. 
I attempted to view a detail version that would explain everything in whole but they denied me. 

Situation 2 : I need the overdraft fees corrected on my account. The last overdraft fees charged to my account were to be placed back once my claims were processed but after the claims were processed - the fees were never adjusted. 

Please advise.
I have repeatedly over the last 3onths reached out to XXXX CBNA to resolve a card with fraudulent charges. The card was charged off 2 years ago. Before the charge off I called in to let them know of the theft. My online account access was removed and so I assumed everything was taken care of. Now they are reporting the charge off for fraudulent charges to my credit. I have requested documentation from them several times and they responded that they don't have it. They have no signed receipts, no notations of my contact previously and little else. They refused to open a fraud case because I do not have the statements. They also do not have any documents. They laughed at me and told me there was nothing I could do about it and that I'd have to just pay them. These are fraudulent charges and shouldn't be collected not reported to my credit! I even filed the FTC affadavidt with the bureaus and CBNA.
XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.
I could not dispute because I have already got my free reports for the year but when trying to work with XXXX, I was told that XXXX XXXX had reported on my report as themselves and Cash Call which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans and then suddenly XXXX had the loan and then Cash Call is now trying to collect. It is listed double on my report. They are all the same people. I have researched this and many states are filing suits for these illegal loans where this company has been collecting from consumers in states where they were illegal and were made to refund their money back. It should not be reported XXXX with XXXX different companies asking for the same thing. I have nothing signed that says I have loans with XXXX XXXX or Cash Call, but what has happened is they are using all XXXX names to collect and finally Western Sky shut down, then XXXX XXXX, and hopefully the figure out Cash Call with the other states. Alabama is just behind but I feel like at some point it will be illegal here to.
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
I recently applied for a mortgage and was devastated when i saw that my student loans had reported a 90 day late payment in XXXX of 2018. I couldnt believe it and the damage it did to my score was tremendous. It is not possible to go from paying as agreed in XXXX to 90 days late in XXXX. This is a HUGE error and needs to be Immediately removed from my credit reports or i will have my consumer protection attorney file a lawsuit.
PHH has sent us a fraudulent statement regarding our mortgage. They have refused our payments after they received our last trial payment of our loan modification XXXX XXXX XXXX 2016. They also sent us an intimidating and fraudulent Delinquency Notice. We are being harassed by this company.with these threatening notices being sent to us.
CASE # XXXX This is a follow-up to my initial complaint as referenced above. Bank of America responded to you and to me ( letter attached ) but failed to address or resolve the issues I brought to your attention. I was reported to XXXX and to XXXX XXXX XXXX for an account that was closed due to a check I deposited that was returned on a closed account. It caused my account to go negative. As a college student, I did not have the funds to pay it off right away but did pay it a year later in full. I tried to get the this removed from my record with XXXX by writing to the bank and explaining that the check was written to me and I had no way of knowing it would be returned. The response I got was that it was something other than that check. In chexsystems I was reported for " suspected fraud activity '' and in XXXX I was reported for " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ''. I tried repeatedly to get information from the bank as to what I did that made them suspect " fraud '' and I have never been able to get an answer. I have done nothing fraudulent! I have not benefited in any way from the deposit of a bad check that I had no way of knowing would be returned. I took responsibility and paid it in full so the bank has not suffered any losses as a result of what happened. I on the other hand have been unable to open an account at any bank and have " fraud '' associated with my name which is unacceptable. 
The response to my first complaint mentioned nothing about the reason they reported to XXXX or XXXX. In fact the letter I received says they " investigated '' my complaint and found that my checking and savings account were closed due to me depositing a check that was returned. It says my account was closed for non-sufficient funds " activity '' or unsatisfactory handling and then goes on to say that the report they filed with XXXX and ews was accurate and will not remove it. It makes no mention of any " suspected fraud '' or any " attempted transacting '' with another account. It does not explain in way why I was reported for those reasons. To be reported for non-sufficient funds is VERY different from being reported for " fraud ''. The implications are extremely serious. 
I would like for them to explain to me what I did that could be construed as fraudulent and also prove to me that I intended to commit fraud. If they can not do this, then I am demanding that they remove the damaging record from my name in XXXX and in XXXX. It is critical to me that I clear this from my name. I feel as though I have been accused of criminal activity and then convicted of it without ever getting to hear any evidence and then not being allowed to respond to it. It is unfair and wrong. I am attaching a copy of the letter I received from BofA in response to my original complaint and a copy of the XXXX and XXXX report so that you may review it as well. 

Thank You
CBE GROUP/XXXX XXXX & CBE GROUP/XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE CBE GROUP/XXXX, CBE GROUP/XXXX XXXX, XXXX. XXXX HAS NOT REMOVED/DELETED/BLOCKED- XXXX COUNTY RECORDER.
Equifax is reporting on my credit report that my account with XXXX XXXX XXXX is an open, active account. The XXXX XXXX XXXX account was paid in full and closed in XX/XX/2017! Equifax has had 6 months to correctly reflect on my report that the account was paid in full and closed, but apparently they are incapable of correcting accurate information provided to them from reporting companies ( but they sure are quick to add incorrect, fraudulent accounts on my report and decrease my credit scores as a result ). Equifax is in violation of the FDCPA by failing to accurately report the account and by calculating my credit score based on that inaccurate information.
I had a debt with a medical office XXXX XXXX XXXX. It was picked up by " XXXX XXXX '' company. They have never contacted me to discuss about this debt. Now they have put a 2nd mark on my credit saying my old debt is a new debt. So now there is two derogatory marks for the same debt. I don't see that fair and especially since I have had no contact with anyone from this agency.
Payments have been paid as agreed from the beginning with XXXX XXXX hospital since 2016. Yet they posted account to collections agency XXXX XXXX on my credit report. I contacted XXXX XXXX in person and on phone they admitted there was a mistake on their accounting system because they had multiple accounts set up and when Payments were made they were not applied to each account collectively. They stated they would remove the collection from my reports. At this time they have not honored their statement to remove from my credit report.
I have a high interest auto loan from Santander Consumer. I had a couple financial issues but have recovered and have been making payments some twice per month to keep current. In the interim, I am also working on fixing credit. When looking over my reports, I noticed a charge off on this very account that I am making payments on, they refuse to take this off my account and say they will not do it even when the entire balance is paid. Is this seriously legal? PLEASE HELP!
I received a mortgage statement from BMO Harris bank. I noticed that my annual fee of {$35.00} that I sent in on XXXX/XXXX/2015 was not credited correctly ( they credited it to principal ). When I sent the {$35.00} in I even noted on the payment that it was for the annual fee. I contacted them at the number on my statement which is XXXX and spoke with XXXX. XXXX said that she would correct the problem and that it would take 3 to 5 business days. I was fine with the resolution until I asked her to mail me an updated statement. She told me that I could not have an updated statement and that they only sent XXXX per month. I asked her if that was the case even though you made a mistake. She said yes the XXXX statement rule still applied. I told her I was going to let you ( CFPB ) know about this rule. I have no idea if she is well within her rights or not, I just thought that you should know.
I just recently got a new job and the loan company is calling me at work. I ca n't have personal calls on my work phone, and all calls are recorded due to the nature of my job. The company is jeopardizing my employment.
I, XXXX XXXX, have attempted to have Equifax obey the law section 605b of the FCRA. 
This section of the law specifically deals with identity theft and how the reporting agency has to respond and act. 
The law gives them no later than 4 business days to block fraudulent items that I have identified. Equifax has things on their file for over 6 years that are no longer being reported yet they still have them on my file because they don't do the investigation properly or act according to the law. 
The cfpb close my two previous complaints because they were duplicates they claimed and that was wrong that's because Equifax ask for more time and it's past that 45 days that you gave them and yet they haven't acted according to law. 
I want Equifax specifically to talk about section 605b of the fcra and why they do not comply with that law even though they have all the parts of the law that I need to provide. I'm going to include them again with the CFPB and Equifax needs to say why they are not acting within 4 business days to block these items. 
The items are in the screenshots are, 2 XXXX XXXX XXXX, 1XXXX XXXX, 2 XXXX XXXX XXXX XXXX, 1XXXX XXXX XXXX, 1 XXXX XXXX XXXX, 1XXXX XXXX, 1XXXX, and others claimed before
I received a loan from Higher Education with my parents as co-signers. 6months in XXXX ( I believe )! after I finished school my co-signers got a notice that I was late on my monthly payments and they needed to pay. I contacted Higher Ed and said i the primary ( living at the same address as my parents ) never received any notifications to start payment or how much my monthly payment would be. They said I know what I owe, so I should just pay it. i borrowed $ XXXX. It felt like they expected me to pay it upfront. Next month I never received any bill again but my parents received a second notice. I called, emailed, and hand wrote letters to them asking to please tell me what I owe monthly and to send ME the primary a bill. Again, they never did and their phone customer service wouldnt tell me again what I owed. I later got the first contact from them saying my loan was in default and being sent to a collections office. I felt like that wanted this to be the case so they would get a large sum upfront. The lawyer they sent the loan to was not willing to work with me. They told me to get a personal loan to pay the student loan off, or borrow $ XXXX from a friend. I was XXXXyr old I didnt have $ XXXX to pay upfront. Also told them If I had a friend that would lend me $ XXXX I would have never gotten a loan. I payed large sums of {$2500.00} and monthly payments of {$170.00} for 9 months with the verbal agreement they would contact the credit bureau to say I was making good on my loan and help my credit score a little. They never held up their end of the deal and in fact later said that is something they couldnt even do. I lost my job in XXXX and got XXXX shortly after. I couldnt afford to send my children to child care and my mother became XXXX, I had to declare bankruptcy, I currently live with my parents and take care of my mother and children. I contacted the lawyer recently and was told they would not allow me to make payments. They wanted a large sum to cover the loan. I could only afford to make {$50.00} a month and that wouldnt even cover the interest accrued every month. The lawyer asked why my father wouldnt send money since he is working and I explained he is the sole provider in a house of XXXX, there is no extra income he can give. I was told so hed rather pay other things instead of this collection I explained the mortgage is important, would you rather us default on the mortgage? I have other student loans with different companys as do my parents and we have never defaulted on any of them. Im at my wits ends. My credit is destroyed and my parents credits are affected as well. I dont know what to do anymore.
My capital one credit card was recently subject to multiple cash withdrawals, without my authorization. Each instance of theft also incurred a {$10.00} cash advance fee. I received a refund for all charges, except for over {$300.00} in advance fees. I recently received a letter stating case closed and have called on multiple occasions stating they will get to it. It has been over a week now.
See a copy of the letter : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX Lending Club XXXX XXXX XXXX, CEO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX Dear XXXX XXXX, I am writing you in reference to an XXXX that is reported on my Credit Report for XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX number and spoke to a representative and he informed me he was not able to take over the telephone payments ; however, he stated that the XXXX office was closed due to inclement weather and would not open until XX/XX/XXXX. My payment, I stated was due on XX/XX/XXXX and when I made the payment of {$780.00} he stated that there was a late charge of {$40.00} that would be deducted before the payment was applied. 

XXXX XXXX, it appears your company is applying some of the very liberal policies of the City of XXXX XXXX, CA that are outside of the lending laws in the United States. Examples, it appears my account is being reported late because of a portion of the payment went to late fees. Therefore, if youre accounting system had not deducted a portion of my payment for late fees, my account would not have been reported as late. Additionally, if your office had been opened on XX/XX/XXXX, I would have been able to also make my payment by telephone in a timely manner before XX/XX/XXXX which then made my payment be classified as being late because of your XXXX office being closed which was not fault of my own. Moreover, I think it is ridiculous when a natural disaster takes place and you close your office because of that and customers like myself and may others were reported to the Credit Bureau as being late which was not fault of our own. 

if my account and credit report can not be update, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) stating that I was not able to make the payment due to your office being closed on XX/XX/XXXX due to inclement weather and when the payment was made, you deducted {$40.00} from the actual payment identifying it as a late fee. I would like to have a response from your office within 30 days or less stating that you have corrected your error and updated my credit report to reflect paid as agreed. 

Thank you in advance for your assistance for your addressing this matter. 

Sincerely, XXXX XXXX
I had a vehicle loan through XXXXXXXX XXXX XXXX XXXX that I opened in XX/XX/XXXX. I first became late on payments in XX/XX/XXXX and i voluntarily surrendered the car to them in XX/XX/XXXX. However, American Honda is not reporting the information to XXXX correctly. Honda did send me a payment history and it does show that the loan became late in XX/XX/XXXX. Per FCRA law this item should be removed from my credit report already due to the 7 years requirement from the date of first delienquency. But because Honda keeps advising that it was XX/XX/XXXXor XX/XX/XXXX XXXX will not remove it.
My mortgage company has failed to make appropriate payments to my insurance company even though payments are made on time and homeowners insurance information has been provided. I provided payment information as requested. The homeowners insurance company resubmitted a bill. I called and uploaded a bill telling them the homeowners insurance company would cancel if they didnt receive payment by XX/XX/XXXX. They told me to expedite upload documents to their website and it would be handled right away. Payment was never sent and now my insurance is cancelled.
I opened an HSBC advance checking account around XX/XX/2018 after receiving the Direct mail promotion which says if I deposit XXXX. I will get cash {$350.00} to my account. I deposit the money within several days I open the account. Now more than 3 months passed, I did not get the promised money in the promotion ads, which I think it is cheating ads from HSBC. I called the bank and I was told someone will contact me within 5 days. Now more than one week passed, nobody contact me.
I was first contacted about my debt back in  XXXX . I swiftly told them not to contact me about the matter. ( As I 'm broke and could n't get on medicare to help pay my medical bills ) I then start receiving calls that ring for a second and stop. This can happen up to twice a week. Then today I received a call from someone asking if they were talking to me. I asked who I was speaking with and they would only say that it was a personal business matter. They would n't say who they were and I told them I already told them to not contact me and put me in their do not call list, the lady hung up very quick. So I called back and sure enough it was ASCI the same people I told not to contact me. I was transferred to a manger who tried to get me to pay my bill instead of helping me get off their contact list. She then argued that I have to send in a hand written letter stating that they cant contact me. I dont have the time or resources to do that right now. I work too much. I just want them to stop contacting me. Its already on my credit there is no point in paying it. They couldve just helped me out but they are too worried about commission then worrying about them being rude. they dont treat people like people. You 're just another number to them. The tactics they use are sick. I used to work there. Rudest people on the planet.
XXXX XXXX XXXX provided me with letters to send the creditors and I did! Half the letters said return to sender and other half was never discussed! I have contacted trans union to make them aware that I am a victim of their inquiry issues! I spoke with supervisor as well and was on the phone for an hour with still no luck in getting these 28 inquiries removed that I have no knowledge of due to the fact that I have no access to ways to apply for things! Transunion also to me to get creditors to send me a letter of deletion but provided me no way to contact the creditors by phone or mail! And supervisor basically told me there was nothing she could do although she does work at transunion!
Equifax has potentially given away my personal, private information and compromised my identity when they were hacked on XX/XX/XXXX. I checked the status of my information on XX/XX/XXXX and was alerted that there is reason to believe I am one of many involved in mass identity theft.
I have been reaching out to Trans Union for years. The most recent are inaccuracies which could result in me having to remain renting a room for $ XXXX/month and not getting accepted in a house or apartment. I am frankly tired of disputing and that Trans Union is not properly showing my payment history. A letter is provided accordingly in addition to the inaccurate report. My score has plummeted XXXX points because of their faulty reporting and defaming my name.
I sold a XXXX minibike with a new XXXX engine for {$730.00} USD on PayPal ( transaction ID XXXX ). After 2 months of use, buyer ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ ) filed a chargeback with his credit card company stating that the minibike was " not as described ''. The credit card company then proceeded to notify PayPal ( case # XXXX ) of the chargeback for {$350.00} USD ( not sure how that value was arrived at ). I was never offered the return of the minibike and the transaction occurred well in excess of XXXX miles from the billing address ( buyer lives in NJ while seller lives in NC ) I responded in writing on 2 separate occasions to PayPal 's requests for information and never received a written reply from the buyer or his credit card company. I can prove that the item was delivered in excellent condition ( as described in emails ) and that buyer used the minibike on several occasions. Buyer damaged minibike during personal use and then stated that the minibike was " not as described. '' PayPal has never shared the name of the credit card company that brought this dispute nor have they been willing to cover this transaction with their " Seller Protection '' that they advertise. 
Buyer contacted Seller ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by email and requested to purchase minibike for {$730.00} USD. Seller told Buyer that it was solely his responsibility to ship minibike from NC to his place of residence in NJ. Buyer agreed. Buyer contracted with a XXXX company to ship the minibike. When the minibike arrived at the buyers home he wrote, " No ... it looks good. It was a little dirty from the transport but I wiped it down real good. It looks great. One of the brake cables is right in the way of the left foot pedal and I 'm afraid it 's going to get tangled/pulled. Might have come loose during transport. I 'll tie it back to something. Other than that, all is well. It 's gorgeous! '' Note that the minibike arrived dirty and wet with damage that occurred during transport. 
Today, PayPal sent an vague email stating that the credit card company found against me with no additional information. I am unable to get any help from PayPal or anyone for that matter.