WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account with PNC Bank a/c # in XXXX FL. On XXXX/XXXX/2015 I noted a pending premature charge of {$74.00} from XXXX ( # I had authorized them to charge my account on XXXX ), however they processed it early. I called the bank to advise that the charge should not be paid, as it was early. They said there was nothing they could do until it was actually charged and to call back after the charge was posted. I called XXXX and they admitted the charge was early. ( recorded conversation as they always advise ) Today it posted and I called and on a XXXX, XXXX said they would refund the charge. The bank charged me {$36.00} for an overdraft fee which the refuse to reverse. This was not my error but the bank said their policy was not to refund OD charges ( XXXX, XXXX, XXXX, XXXX ). I spoke with a supervisor ( XXXX ) who said the same thing. XXXX claims that I authorized the premature charge but I clearly stated the policy should begin on the XXXX of XXXX. I asked for printed proof of the early authorization to charge but i was not available ) Both are unclear about who is responsible for refunding the fee. 
I am a senior citizen on Social Security and {$36.00} means a lot especially a week before my next payment. I think the bank should do the refund as I advised them in advance not to post the charge ... they did anyway plus the OD charge and no one wants to make me whole ; refund the {$36.00}. .Whoshould do it ... I think the bank should, I told them not to process the charge in advance and they did anyway I need the {$36.00} I do not need to give away money like that..I did not make an errorThank you
1. I opened a business credit card account with Chase Bank for a small XXXX service organization called XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX or XXXX. 

2. Transferred everything in the business to XXXX XXXX, the new director of XXXX, in person, with him present, at the XXXX ( XXXX XXXX ) branch of Chase Bank. Left the business and the state in XXXX XXXX. 

3. In XXXX, I received a notice indicating that I was still a responsible party on the XXXX credit card and owed some money. After a great deal of talking, emailing, FAXing and US mailing of documents, including to and from XXXX XXXX, and the bank 's fraud department, all of which Chase now denies ever happened, I was ASSURED that I was no longer responsible for the credit card account. This was confirmed since there was no further discussion of my owing anything. 

4. Now, two years later, I am told that I owe over {$3000.00}, that I am delinquent in payments I knew nothing about and the card is now revoked. XXXX agrees that he owes the money, fell behind on the payments and states that he was NOT aware that I would be held responsible. The bank continues to repeat the party line that there has never been any communication and that I am responsible and liable for anything on the card.

5. My credit rating, built up over many years of careful management, plummeted from XXXX to less than XXXX, and now hovers around XXXX. 

6. I was in the process for several months of buying the condo that I rent, through a veterans ' specialty realtor, and now the process is completely stalled. I may lose the opportunity and have to move into another rental.

7. I am a XXXX-era veteran with XXXX XXXX XXXX. Some of symptoms preclude me from being organized and keeping thorough records, even on computers. I do n't believe Chase Bank has the same problems. I believe they have known full well that I am no longer the signatory on that account, are lying in order to get paid and do n't care if they ruin my credit or my life. Please help.
Hello, Receivables Management Corp., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX, appears to be in violation of the Fair Credit Reporting Act. Receivables Management Corp. placed a negative collection account on my XXXX  credit report, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt. This alleged debt is also listed on my credit report with the Open Date as INVALID DATE and original creditor XXXX XXXX XXXX. I have no knowledge of either of these two companies and it appears that Receivables Management Corp. is continuing to report a negative account without complete or accurate information. There is no basis in law that gives this company or XXXX the right to place a negative unverified collection against me without adequately confirming the debt truly belongs to the individual FIRST. Therefore, I would like for this company to delete the negative listing and cease reporting this erroneous account to the credit bureaus.
I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XXXX, XXXX_XXXX   XXXX XXXX, & XXXX card. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
Experian just updated my credit report stating that the account reported by NY state child support enforcement is still showing a balance of {$1500.00} as of XXXX. This is information is false and incorrect. That account has been paid in full and verified to me by NY child enforcement. Kindly remove this negative information from my credit report.
One two separate occasions XXXX and XXXX my escrow payment increased. These increases caused my payment to have shortages. 
XXXX Issue : When this happened in XXXX I sent in the shortage amount and it was received before XXXX, but the offices were closed for the XXXX holiday and not credited to my account. This triggered a computerized non-payment ( 30 days past due ) process, because it was not in the full amount. All XXXX of the major credit bureaus were given negative 30 days past due remarks. I eventually got a supervisor from Freedom Mortgage to fix the problem and sent me a letter that the credit bureaus were notified to remove the negative remarks. Fast forward to XXXX and the XXXX 30 days past due is still there. I only noticed because once again something similar occurred. 

XXXX : Similar situation, escrow increase, I adjusted my scheduled payment for the wrong month. I did n't realize anything was wrong until I got the financial hardship paperwork, I was confused since I made all my payments. I called them immediately and they said I was short on a payment ( {$120.00} ) and they did not credit any of my payment. I was told it would not be marked late if sent in the shortage right away. I did this and obviously that was not good enough and I was marked 30 days past due ( even though they assured me I would n't get marked late with credit bureaus ), then I got hit for 31-59 days past due because they were just holding 2 months worth of payments and not crediting my account. I spoke CS everyday Mon-Fri during the month of XXXX. I was sincerely trying to deal with this problem, I even sent in the shortage amount again during the month of XXXX, which seems to be an over payment. I waited the entire Month of XXXX to get in touch with a supervisor, calling every other day with no luck. They called my house phone once while I was work even though I specified them to call my mobile number. For the last 2 weeks in XXXX, I never got a call back from a supervisor to address these issues. I was told it would take 2-3 business days by a CS rep eventually, but that never happened. There 's no way to call back a supervisor and every CS rep has a different supervisor so you have to go through the front line ( and the long process ) every time you call in and hope that a supervisor is available ( never ), or will actually call you back ( not likely ).
XXXX XXXX, with no warning, unilaterally decided to block all customers accounts from transferring even minimal amounts out. Because of that, I nearly bounced a check elsewhere. 

In trying to resolve it, they requested a proof of the account where the money came from which I provided. They said I should have transfer availability within 24 hours. Its been 3 times that, they refuse to let me transfer a miniscule amount, they refuse to let me talk to their fraud department and they refuse to let me talk to a supervisor. 

I am all for fraud prevention. But there is no fraud, there was no warning. This is just shoddy business practices. 

I will be closing my account as soon as I can without incurring a fee but I have no idea how much longer my money will be held hostage because of this pitiful excuse of a bank.
On Monday XXXX XXXX, 2015 I received a Priority mail package sent through the US Postal System. Later that day I also received a text message informing me of the impending arrival of this package from a number I did not recognize. I have enclosed copies of these items as enclosures along with this letter. The package and the text message both referenced a secret shopper job. I did not remember applying for this particular job, and have never before applied for a secret shopper mission, so I was unaware of how this process works. The package contained a letter and XXXX USPS money orders, both in the amounts of {$910.00}. The day after I received it was the first day of the present academic quarter at my school and I am currently enrolled full-time. On my break between classes I had indented to consult with a representative inside of the XXXX XXXX branch of Bank of America . Coincidently, the bank was extremely busy, and since I needed to return for a class, I did not have time to make this deposit with a teller. Instead, I deposited XXXX of the XXXX money orders at the branch 's ATM. I held onto the second money order, and intended to take it to the branch the following day to review it with a teller. 
As I had personal expenses I needed to pay for that day, and assumed the money order would cover them. Returning home after class, I called Bank of America 's Customer Service line to inform them of this. Since I was unable to speak with a live representative, I set my alarm to call at XXXX XXXX the next day. According to my XXXX XXXX bill I called Bank of America at approximately XXXX AM on XXXX XXXX, 2015. The call lasted about 45 minutes and I spoke with XXXX representatives, XXXX from Bank of America and the other from a third party I was routed to by Bank of America who deal with money orders. During these phone calls I expressed concern about the deposit I had made informed the XXXX representatives that I the source of the money order was unknown to me, and that since it was a large amount I wanted the bank to be aware of this. As well, since the expenses I expected to pay with my account would have been taken from the recently deposited money order, I wanted to ensure that these would be covered. I value my Bank of America account, and wanted to ensure that what I 'd done was within reason. But I became increasingly worried about the validity of the deposit. Having reviewed my Bank of America Deposit Agreement, I understood it was my responsibility to inform the bank if I felt any suspicion about any deposits made into my account, so my call was intended to serve this purpose. 
After reviewing my rights under consumer finance laws and what to do after being a victim of fraud online, I decided to write this letter. As a former XXXX and XXXX veteran, I always intend to conduct myself responsibly, and value my relationship with Bank of America. I would not want to jeopardize this relationship.
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.
I closed my XXXX account in XX/XX/2015 because I moved out of the XXXX. The last bill was paid in full and I was NOT under contract. XXXX claims I owe them {$130.00} but they did not end the service when I requested. As I was living in XXXX and had a XXXX mobile plan, there is NO use on the account for the dates they claim I still had the service. 
My last payment to XXXX was on XX/XX/2015 for {$160.00}. That left my balance at XXXX. I cancelled the service on the same exact day and also moved to XXXX on that day. 

Here is the information for my XXXX account : account number ending in # XXXX
In the wake of a massive data hack, equifax is offering limp consumer protections for free while charging high rates for actually effective tools, like credit report freezing. Currently they are charging triple the rate that XXXX charges for a freeze. They are overtly profiteering off of their own grievous negligence.
On XXXX/XXXX/2016 I applied for a citibank double card. On XXXX/XXXX/2016 I received the card. before i got the card.my credit score was XXXX equifax.On XXXX/XXXX/2016 my equifax score dropped to XXXX XXXX/XXXX/2016 i paided the balance off. one week later my credit score dropped again to XXXX. On XXXX/XXXX/2016 I paided the balance off. Again it dropped to XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I canceled the card I was worried It would keep dropping.All I wanted to do was to get my credit score to XXXX so I could get the best deal on a mortage now I have to pay points
Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down '', but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done, and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly, ..in a matter of a few years the HOA 's settlement money will be depleted, and there will not be enough money to fix the exteriors, the roofs, the roads, and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves, but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded, that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon, ..so in a few years, there may be a lot of them walking away when special assessments hit them. And if they do not approve them, ..they community will suffer. You need to do something about disclosures, ..because on a state level HOAs are not doing a thing about it because they do not need to do it.
On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.
I called the company several times and spoke to several people explaining to them that I had lost my job and I gave him the dates that I would Pay on the loan they refused to talk to me unless I gave them my banking information immediately I explain that I would call back my banking information because I was driving and that they already had it on file. I was transferred to a very belligerent manager who would not work with me and threatened to repossess the car and said let 's see what happens. 

The vehicle was repossessed to days later and by that time my payment was already set up with them prior to the repossession. 

The vehicle has been repossessed and auctioned off and it is still reporting monthly and negatively on my credit. They 're extremely unprofessional and without doing is against the law!
When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, Stephen Einstein & Associates tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a XXXX - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?
Received 5 phone calls in the past 3 days from  Southwest Credit (  only reason I knew their name was I called the numbers back and tried to get a hold of somebody but was on hold for too long ).     Calls from  XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Thurs   XX/XX/XXXX    XXXX   XXXX  Fri  XX/XX/XXXX   XXXX   XXXX  Calls from  XXXX  Mon   XX/XX/XXXX    XXXX   XXXX  Every time I have tried to pick up, they have hung up on me. They are calling my direct work line and are harassing me by repeatedly calling & hanging up. They have also not reached out to me via mail alerting me of a collection attempt so I have absolutely no idea if their calls are valid, or if they are even trying to reach me.
XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX 1999 and have not removed it from my credit report.
See CFPB complaint XXXX about BANK OF AMERICA MORTGAGE, submitted XX/XX/XXXX. 

XX/XX/XXXX Dear Bank of America ( BoA ) You messed up the paperwork in XXXX related to mortgages of XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, which mortgages you handled on behalf of XXXX XXXX, leaving an outstanding $ XXXX lien ( attached ) that needs to be promptly removed as it is holding up the sale of said property ( see attached sales contract ). We ask you to immediately do so, as your failures are causing our family real and irreparable harm. 

Your continued disingenuous statement that you can not fix the problem, which you admit you created, because you no longer service the mortgage, can not be asserted. As of last week XXXX applied for a Bank of America refinance, which awaits your approval. You have no excuses. 

Moreover, your nonresponsive response to our XX/XX/XXXX CFPB complaint says you need a special email address to address the complaint! What exact email address do you want us to dig up from the XXXX to be to your satisfaction? 

You confess to the CFPB that no contact has been made with XXXX XXXX XXXX! Wow, thats an admission of guilt, like nothing else. She has repeatedly, by phone, in person ( at the XXXX XXXX BoA branch where she signed the HELOC papers that you messed up ), and in writing, reached out to you begging you to fix this problem, all to no avail as you ignore and dismiss her and her authorized representatives. Among others, XXXX XXXX XXXX in the BoA regulatory department is unresponsive to repeated voice messages left by XXXX. 

If you examine the title report ( attached ), you will see that the original two mortgages were A and B. Then Bank of America added mortgage C, a HELOC in XXXX. Next, BoA completed a modification/consolidation, mortgage D ; but you did so by consolidating A and C, instead of A and B! That left the lien of mortgage B outstanding. You admitted clearly on a recorded line your fault : the problem is that mortgage number two was not included on the consolidation. You are killing us. This needs to be fixed yesterday. You will kindly fix this immediately and contact me and XXXX XXXX ( cell XXXX XXXX XXXX ), letting us know that it is completed. 

A very redundant 3rd party authorization form is attached. 

Respectfully submitted XXXX XXXX
This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally,