WillisBack/dataset-financial-user-claim huggingface dataset:
I have made several deposit to my account with TD Bank. I have received several {$35.00} fees for the transaction on the same day that a deposit was made. I have been charged {$170.00} this week along with Fees but I am making deposits into my account on the same day. The transactions are in a pending state when I make the deposit and my account is not showing a negative balance at that time. I am really upset by a recent {$35.00} fee where my account was {$.00} ( XXXX XXXX ) overdrawn by a transaction and the bank charged me {$35.00}. This is so unfair to me because the money deposit shows credited the same day as the transactions. I really need my {$170.00}. I just had medical XXXX and do not have money to give to the bank at XXXX. I want a refund for all of the fees because a deposit was made the same day. I do not understand their processing although I was explained and it was not like this when I open up my account. There should be a federal regulation that permits the bank to not processing credits like this. I should get credit based on my deposit that day and then debits should come out. Other banks use this process. TD Bank has an unfair policy. 

Also, bank paid my mortgage payment which the money was not in there to cover it. This caused the overdraft fees. I thought that I was signed up for them not to pay for transactions if the money was not in my account. I do not want to overdrawn my account to pay something if the money is not there. 

Finally, a lot of the bill pay is going out too soon and getting paid before I want them to. I get paid on the XXXX, XXXX and XXXX. I set bill pay up so money is in account. Bill are coming out too fast and frequent.
I never received a copy of the actual contract from XXXX to prove my account opened on XXXX/XXXX/XXXX. Also I do not have proof the last payment made was on XXXX/XXXX/XXXX. I asked for full payment history and I needed to see a copy of the original contract. XXXX is re-aging my last payment date and reporting it to experian and equifax erroneously. FCRA rights ignored and Fair Billing rights ignored. in the letter they admit incorrect reporting by experian and they should delete the account. Equifax also has the wrong date opened, they need to produce the full payment history and prove they actually did an investigation. I have disputed this for over 120 days without a proper investigation.
XXXX XXXX XXXX is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by XXXX XXXX XXXX. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.
I checked my credit report XX/XX/XXXX and I found 4 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 

1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX
I WAS AFFECTED BY THE XXXX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS PROFESSIONAL CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX  ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO XXXX  ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM XXXX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..XXXX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..XXXX  IS RESPONSIBLE AND NOW THEY WONT FIX IT
A few month ago I received an invitation by mail with an offer to apply for Citi Bank XXXX XXXX credit card with XXXX bonus miles after spending {$3000.00} in three month. 
I was approved. I spent {$3000.00} in less than three month. However I recently noticed that I did not receive the XXXX bonus miles. 
I called Citibank. the Rep asked me if I have the copy of the offer. I replied that Citibank must have it. The rep told me that he is starting " investigation '' and that I will hear from Citibank within 24 to 48 hours. Needles to say I never heard from Citibank. So today I call them. The Rep told me that I am not entitled to the bonus points because my previous account with Citibank is close for less than 24 month. 
I entered into an agreement with Citibank. I kept my side of the agreement by fulfilling the requirement as stated in the invitation. Citibank should do the same. If Citibank could n't or would n't keep their side of the agreement the should have denied my application as XXXX XXXX does.
American Express first rewarded me with XXXX points for meeting the minimum spending. Then they took away from me accusing me not meeting minimum spending and previous had the card, which are both not true.
I have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports XXXX, Equifax and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.
Equifax is reporting a few accounts only as a collection. There is no name as to where it 's from. I have tried several times to get it resolved but no luck. Can you please help me with this? I do n't know where else to go. 

They have two accounts with the same number of XXXX, and an account number of XXXX, XXXX. These 4 accounts I do n't know anything about.
My coinbase.com account was suspended due to me being a XXXX resident, I have since moved to XXXX XXXX and have sent in my new ID and received confirmation of my ID being verified by the customer support but my Account is still blocked. Coinbase did get in touch with me briefly but have stopped responding to any of my messages or complaints. I have messaged them daily with no response for over a week. I just want to make sure that I have not been scammed out of my money ... my login for coinbase is XXXX Thank you for any help you can provide
After submitting no less than XXXX disputes to Equifax they are still reporting a debt that has been deleted by both XXXX and XXXX, as the date of last activity on the account was XX/XX/XXXX and seven years have passed. Equifax has not supplied me with any documentation supporting their XX/XX/XXXX date of last activity. I have contacted XXXX XXXX XXXX and I was told they can no longer access my account records. Equifax 's own payment history chart reflects that the XX/XX/XXXX date is correct, yet they have stated on the phone that they are using the XX/XX/XXXX date because that was the date supplied to them. They have provided me with no documentation to support their XX/XX/XXXX date. Equifax only directs me to " follow up with the creditor '' because they " have no authority to delete the entry '' as they merely report information. When asked to provide documentation regarding their multiple investigations into this issue, I was told " the creditor confirmed the date is accurate '' and " you have to go through the creditor. '' Please help!
I am filing an additional complaint on behalf of Case number : XXXX. I have heard back from Wells Fargo in regards to the deed in leau, but it is the same response as always. XXXX ( the home preservation specialist ) stated I need to submit the same exact documents that they already have on file and then made up additional documents that they 've never needed before. I requested that they send the ENTIRE list of documents needed in one letter so I do n't have to keep re-sending them, which I 've never received. This was all before XX/XX/XXXX and now I have heard NOTHING back from them since. I also reached out to XXXX XXXX, but she has yet reached back to me to respond.
I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, XXXX and XXXX   credit bureaus listed XXXX XXXX XXXX as collections. I have never had any dealing with this company. I did not sign any contracts with this company. I requested on several occasions that they validate the account in which they are attempting to collect the debt by certified mail. My last attempt was on XX/XX/XXXX. I also made several attempts writing to XXXX and XXXX by certified mail that this is not my debt. Both credit bureaus reported back validated. This is impossible because XXXX XXXX XXXX could not supply them with any validations. This company states that I owe them {$470.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. This is proven to be injurious to my credit standing.
I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both equifax and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
XX/XX/2018, I initiated a funds transfer through Chase.com using a tool called XXXX to my wifes checking account. I have never used the tool before so I initially sent her {$10.00}. She received a text almost immediately stating that funds had been deposited into her account. I then transferred {$500.00} assuming that the transfer had been processed correctly. About an hour later she realized that the funds we not deposited into her account. Despite the fact that I provided the correct information, the funds were transferred to the wrong account. I opened a dispute with both Chase and XXXX. XXXX advised me that there was nothing that they could do and I needed to contact my bank. Chase advised that there was another account that has that phone number. That other account does not belong to XXXX XXXX yet the money was deposited to that account in error. They said that because I initiated the transfer they were not responsible even though they did not accurately verify the information that I provided. Chase did say that they sent the recipient a courtesy email requesting that the money be returned but that they had no response. This error is a result of Chase and/or XXXX not accurately verifying the information that I provided. If you review the transaction history you can verify that the information I provided was correct. Chase executed the transaction incorrectly, but they will not take responsibility for the error. 

If you do a quick search of the internet you will find that there are numerous complaints from people that have had the same issue. While researching this issue I found that apparently it is fairly easy to change the phone number on a checking account and intercept payments made through XXXX because of the virtually non-existent verification process that is used. If one was  so inclined they could change the phone number in their account settings to any phone number. That could trigger XXXX pay and Chase to identify your phone number with the wrong account and any payments made to you through XXXX could go to the wrong account. 

What confuses me most is if she enrolled in XXXX through the Chase website using the link provided to her, how can transfers made to her through XXXX get sent to somebody else?
The servicing of my second mortgage was sold to Land Home Financial Services XXXX XXXX as of XXXX XXXX, XXXX. It was under temporary modification and as of XXXX is now under permanent modification. Land Home Financial Services sent me a statement in XXXX XXXX indicating they have not received the payments I sent to XXXX Fund in XXXX and XXXX. They show my XXXX payment as a partial payment and show my monthly amount due as the amount before the loan modification. The XXXX payment is not reflected at all. I made the XXXX payment over the phone directly with XXXX XXXX and they do not show this payment at all. I mailed the XXXX payment ( due XXXX/XXXX/XXXX ) on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX, they still have not cashed this check. I sent it to the address on my Hello letter under RESPA and they do not know where my check is. Land Home 's XXXX XXXX XXXX XXXX XXXX told me over the phone that Land Home 's computer systems can not handle temporary modifications. I know that modifications and the sale of loans and servicing are a regulatory focus to protect consumers and honor loan modifications. Finally, I have asked for a current principal balance of my loan and Land Home has not provided me this. Given my on time payments under the loan modification, all accrued interest and late fees are forgiven 25 % each of the first four years. That is why I want to ensure that my payments are being applied correctly. 
My contact at XXXX XXXX XXXX is XXXX XXXX, XXXX. 
Thank you for your assistance.
I paid my bill in XXXX and CMRE FINANCIAL with address XXXX, CA XXXX with phone number XXXX recorded as delinquent until last week. This was affecting negatively my credit score for years.
Issue : {$6.00}, XXXX XXXX XXXX/game charges on my American Express credit card over a 7 day period by an XXXX year old child ( XX/XX/XXXX thru XX/XX/XXXX ). 

Starting XX/XX/XXXX, I have been unemployed and underemployed along with a very expensive divorce in XX/XX/XXXX. Therefore, I have been steadily trying to climb out of debt. In XX/XX/XXXX, I was finally able to refinance my house and pull out some cash and paid off my American Express Credit Card of {$7200.00} on XX/XX/XXXX. There is no way that I would approve {$6200.00} of XXXX  game charges. 
In XX/XX/XXXX after my payoff, my ending balance was {$130.00}. I approved my XXXX year old nephew to play a XXXX game for approximately {$24.00}. XXXX sent me an email and I confirmed the approval. 
However, as noted in the issue, the charges totaled {$6200.00}. My current understanding is that as the game is played you can go to higher levels and over the 7 day period of playing the game there were over 200 XXXX charges. These charges were as small as {$4.00} to over {$100.00}. 
Once I found out I called XXXX. It was after a 24 hour period so they sent me to XXXX. I have been working with XXXX customer service via their XXXX number. Every time I call, I get a different person. I have over 50 letters they have sent because they handle every charge ( over 200 ) as  individual issues. I have documented two letters for the dispute. 
I am not certain how many charges they have removed permanently and how many they have not. Every time I call, I get a different person and no clarity where I stand as a whole except they would not remove all charges and my current bill is over {$5000.00}.
XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, 2017 UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
This collection agency called PORTFOLIO RECOVERY is alleging that I owe money to XXXX XXXX XXXX. I have not received any letters from collection agency as proof and they place a negative mark on my Credit Report without notifying me in writing.
PayPal is apparently trying to maximize their revenue by routing transactions to their preferred method of funding, despite my specific instructions to the contrary. I asked for two transactions to be placed on my credit card, but they funded via PayPal balance + my debit card. 

Additionally, they have created a complicated web of customer service interactions that ensures they do not respond to my complaint, but instead, send me repeated unrelated form emails.
I am a recent graduate of XXXX XXXX  University with degrees in XXXX  and XXXX XXXX. Upon looking for a job, I submitted my resume to XXXX. Approximately three months later I received a legitimate email including a questionnaire inquiring about the type of work environment I would be looking for and my target salary. Less than a week after this legitimate email ( ending inXXXX ) I received an email from someone posing as a " XXXX XXXX XXXX '' who I researched to be the director of HR at XXXX. She held a " soft interview '' on XXXX hangouts with me - asking similar questions to the questionnaire I had received prior. Then I was asked to scan my signature on the " acceptance of employment '' letter and email it back to her. The job was to start in two weeks from the false notification of employment in XXXX XXXX, Va, where an actual branch of XXXX is located. The next day " she '' sent me a " start-up check '' for {$1800.00} to purchase scheduling software that would go on my " work computer. '' The software was called " XXXX '' and " XXXX '' which she said could only be purchased through XXXX. I researched the software and the cost matched with the amount of money I was sent via check. The check deposited into my account ( for the full amount ) so I had no reason to doubt the legitimacy of the job offer. I purchased XXXX credit with the money I was sent and emailed the information to the person who instructed me to do so. I was told this credit would be used to put the software on my work computer. This check cleared on a Wednesday. After I purchased the software credit, I sent it to them and the check bounced on that Friday - leaving my account at - {$1800.00}. This is when I realized the job offer was a phishing scam. Because the check deposited to my account and I was given access to the full amount of funds in 24 hours, I blame PNC Bank for allowing a fraudulent check to be deposited in my account before it cleared. If they had done their job : the service of validating and safeguarding financial assets, this issue would never have occurred.
I was sent to foreclosure prematurely. My mortgage company denied my loan modification ( mid XXXX ) and also a repayment forbearance. When I questioned why the forbearance was denied I was advised by the manager ( XXXX ) that it was due to my income. XXXX reviewed the income information with me and found that the underwriters did not include both of my jobs when making their determination. She instructed that I immediately file an appeal. I filed the appeal ( XX/XX/XXXX ) and it was denied ( XX/XX/XXXX ) and at that point I was sent to foreclosure. I again spoke with the same manager who advised that I reach out to the consumer advocacy dept to file a complaint in an effort for the issue to be looked into thoroughly. I filed a complaint ( XX/XX/XXXX ) and received a letter ( XXXX ) from US Bank apologizing for the error and advised that they were going to reopen my file. When they sent the letter they did not retract the foreclosure, they refused my attempt at making a payment and on XX/XX/XXXX they denied me due to my account standing in as of XXXX, however had they thoroughly reviewed my initial appeal and not denied it, i would not have been sent to foreclosure and I would have been continuing to make payments during this 4 month process.
On the XXXX of XXXX 2015 my US BANK debit card got stolen. The XXXX thing before calling the police that I did was to call the bank to block my card. They claim a XXXX service and ironically could not block the card as there was a server maintenance and upgrade was in process ( which is ridiculous ) and the thieves took out all my savings through XXXX! Being an XXXX studies in USA, It is extremely disappointing to experience such low standard customer service. Even a XXXX like XXXX has a XXXX times more better customer service than what I experienced here! The bank wanted me to file a fraud claim with them so that they could credit the stolen amount and investigate on the case. Later if they find the fraud activity to be true the credited amount is mine and if not they would take back the money. I did all the form filling and submission and the police report submission on the third day that is XXXX of XXXX, well within the time limit. But I did not receive a single update on the proceedings. I have called them every XXXX days until today, and the only thing I get to hear is I am on hold. Today I was on hold for more than XXXX minutes and then eventually they schedule a call back for me which can take more than XXXX hours and I am supposed to just wait. They wanted me to wait till the XXXX of XXXX to call them back. So I waited patiently hoping to get the provisional credit by then. Nothing happened and not even the fraud department knows an answer as to why such a delay. I have not eaten food or paid my rent or my tuition fee in school as I am just waiting for a simple response from the bank. Even XXXX students are much more professional and responsible than the US Bank customer service. Extremely unsatisfactory performance. I feel that either they do not understand the severity of the situation or they just do not bother! I am helpless and have been through a lot.