WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX and XXXX. Excessive overdraft fees, first one against a positive balance. If after a XXXX fee your balance is negative XXXX then obviously I had a positive balance of XXXX!!! When I access my account on line I first see recent pending and cleared items. It gives me an option to bring up Full Account Activity but they tell me this is not a correct representation. Then why is this available to me to look at???? They give me different daily balances then what I see on the Account Activity. But it is pretty obvious if you get a negative XXXX after a XXXX fee the account had to be positive. If not for the first 2 fees that are wrong the next item in was for! XXXX which would have made the balance a negative XXXX  cents, under their negative XXXX  dollar thresh hold for a fee. After that I had items of XXXX, XXXX and XXXX, those would cause fees, but only three. I admit to three fees. The next item after what should have been three fees, not six was the direct deposit of XXXX. If not for the first 2 incorrect fees the balance would have been negative XXXX   plus 3 fees of XXXX dollars or neg XXXX That would make balance after direct deposit a positive XXXX not XXXX They do this all the time. They give different dates of the items clearing and different dates of the daily balances then the Full Account Activity I can bring up and look at. If what I can bring up and see is wrong then why can I bring it up. Why do I get an activity page that is not the correct order???? But like I said if a fee of XXXX makes your account negative XXXX the balance was obviously positive. The balance would have to be negative XXXX plus at least XXXX  to have been over drawn!! They can not fathom this when I say that, it is simple math. I have printed information I will send in the mail.
I have been in contact with Equifax regarding excessive inquiries on my credit report and I have added fraud alert to my credit file regarding the issue with the excessive inquiries on my credit file. still to this date nothing has been done about it and I am showing new inquiries on my credit file that I did not authorized. I do n't see how this is happening if I have fraud alert on my credit file. there is about XXXX Hard inquiries on my credit report with Equifax that should n't be there.
Back in  XXXX     2017 I requ ested " VALIDATION '' of this debt that  Portfolio Recovery Associates  says I owe. Since I have been disputing this debt and going back and forth with CFPB, and the  Credit Reporting Agencies, I decided that it was time t o reach out to the attorney general 's office regarding this debt before filing a lawsuit. Once again I requested back in   XXXX   for validation/contract which I have NEVER received. Upon checking my report a few weeks ago to be exact  on    XXXX   XXXX  2017     Portfolio Recovery Associates  was removed from  XXXX . I checked my report on   XXXX   XXXX    2017 and it w as added back onto my credit report. I never received  a Dunning Letter. Since Portfolio Recovery Associates states that this debt b elongs to me I demand them to release the transcripts of the quality assurance tapes along with a notarized letter signed by a notary proving the authenticity of the transcripts and that they were not altered.  Portfolio Recovery Associates and the creditor I would like   ALL conversations between their agenst and I regarding this debt they say I owe to confirm differing amounts owed/paid/attempting to collect. Failure to produce these documents constitute collection agency fraud. Please see the attach paperwork.
The following ALLEGATIONS of inquiries 1. XXXX XXXX XXXX 2. Spring leaf Fin Srvcs- XXXX/XXXX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX is NOT reporting COMPLIANTLY due to XXXXne of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is  clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!
So I have been to chase bank a few times and sat down with a banker to try and open a checking and savings account and everytime.i go in they deny me. I had another bank account at another bank but I already paid it off
I have been questioning some charges from XXXX, and XXXX without calling me to discuss this once, though I have repeatedly asked them to, reported to the creditors that I was delinquent in paying them. As anyone can see from my credit report, I have very good credit history, I have never once been delinquent in payment to anyone. I would like this report amended as my credit score should not be ruined for daring to dispute or ask for clarification from XXXX over charges. 

Regards, XXXX
XXXX   has consistently been a problem.  XXXX   XXXX  TransUnion &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents. Reporting false information and breaking several laws in FCRA.
Hello, I am XXXX XXXX XXXX. My household income is solely based off SOCIAL SECURITY for me and my XXXX children. I am XXXX since XX/XX/XXXX. On XX/XX/XXXXXXXX last known use of all and any type of Internet or Wi-Fi usage for XXXX XXXX. I was XXXX on XXXX/XXXX/XXXX in the county of XXXX. At my residence remained XXXX XXXX XXXX along with my XXXX children. Bank Accounts from me both checking and saving along with XXXX son his Bank Accounts checking and savings were being misuse with out my consent or agree to the transactions occurring on and after XXXX/XXXX/XXXX. I am attempting to gather all and every document needed to prosecute this person/people who still continue to misuse my personal information at will.
Bank of America committs felony and owes me XXXX XXXX dollars, using a fictitious name, my name is XXXX, not & gt ; XXXX, which identifies something not living, This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 

GLOSSA meaning ; written by supreme court judge XXXX, 3. There are two reference books called similar names ( sound familiar? ) -- - One is the XXXX, a popular style guide used widely by newspapers and other publications to provide uniform guidelines and standards for reporters and other writers ; it is a large reference book similar to a dictionary or thesaurus. The other is The XXXX, with an " s '' which is a much smaller and more limited publication the size of a larger format paperback book, that deals with the subject of " styles '' or " stiles '' ( British ) exclusively. The most recent edition I can find is 1948, though there may be more recent editions. 
Both of these publications adequately explain what the Glossa is, as does Black 's Law Dictionary. The earlier versions of the American Bar Association guides to legal style and usage also plainly state that the use of all capital letters denotes either a corporation or a dead man 's estate. 

also by judge XXXX ; XXXX = a living American endowed with all his natural rights XXXX XXXX a foreign situs trust used in commercial shipping XXXX = a foreign estate trust XXXX XXXX a public transmitting utility company XXXX XXXX a public foundation XXXX XXXX a cooperative XXXX = a boat or ship used in public commerce XXXX = a commonwealth trust XXXX = a slave owned by XXXX XXXX = a foreign pauper forbidden to own land XXXX = a taxpayer XXXX = a soldier XXXX = a slave There are dozens of different potential meanings that can be arbitrarily assigned to anyone 's name and used to " represent '' radically different entities. In a verbal conversation we can talk all day long about someone or something named " XXXX '' and which XXXX or what kind of XXXX will never be known, except from the context of the conversation -- but on paper the use of such a system instantly defines what or whom is being talked about -- if you know the system
I am involved in a court case involving child custody, and based upon the court hearing, there is some indication that Sallie Mae may have released my confidential loan information to parties that are not listed on the loan. I have read their confidentiality policy, and what information they release and which parties they are authorized to release it to and I know for a fact that I did not authorize a release of the information to any of the parties that were in the hearing and I know that none of them are the listed parties that Sallie Mae can release my loan information to. 

Additionally, there is some indication that the parties involved in the law suit ( which are not involved in the loan ) made a fraud allegation in regards to my loan that are unsupported so now the loan is in default.
I applied for a personal American Express green card that I got approved for. This credit card came with a bonus of XXXX membership rewards points after spending {$1000.00} within three months. I met the spending requirement within the appropriate time frame on this credit card. I never got the rewards bonus that I am entitled to. As you can see in the screenshot on XX/XX/XXXX a representative from American Express stated that I should have received the points by now. I called back again later and I was told to wait till 8-10 weeks had past from when I first met the bonus terms to get the bonus. I then waited till today ( XX/XX/XXXX ) and I still did not get the bonus. I called American Express today ( XX/XX/XXXX ) and spoke to the supervisor of American Express. She informed me that I was unable to receive the bonus because in the past I applied for an American Express personal green card and got approved and received a bonus and I am only able to obtain one bonus per lifetime on that card. What she stated was false. In the past I applied for an American Express BUSINESS green card ( not personal ) and was approved and obtained the bonus. The personal and business American Express green cards are two different credit cards. American Express is stating a false narrative and not giving me the bonus that I am owed even though the other card I applied and got a bonus for was a completely different credit card.
On XX/XX/XXXX after calling Trans Union to dispute XXXX entries on public records to agent that XXXX XXXX XXXX for the amount of {$4600.00} and XXXX XXXX County Court {$520.00} should be removed like all other creditors in chapter XXXX bankruptcy ( see attach XXXX ) and XXXX sold account to other collection agency which resubmitted my closed account on my credit report as " open '' when it was discharged also in bankruptcy. ( see attach 6 ) After calling about these complaints for dispute my account was locked by agent ( see attachs 10-14 ). I had explained to agent that I had answer all the security questions correctly and it was wrong in their system ( Trans Union ). I explained to agent I could proved that " grandfather name '' I was given was correct, but the agent did not accept my information and request he only way for my account to be unlock " I must send in picture ID ''. I explained to agent that I did not feel comfortable sending picture ID due to on going identity thief and other major reasons. 
I truly feel the standard for Trans Union to make " only request to verify my identity is with a picture ID '' is open to discriminated any future dispute against me because of my race, sex or religion. Their are other ways for verification a person identity other than picture ID. Some example I can list from other vendors who verified a person identity : SSN card, current utilities or cable bills with name and address, payroll check studs. 
The method Trans Union is enforcing requesting a picture ID is largely open to discrimination with an individual to denied any dispute or not updating credit files that can damage a person credit rating base on race, sex or religion. 
I am pleading with the CFPB to look into the method Trans Union is using for verifying an individual identify. I know my account was locked after making a dispute claim which, now Trans Union is requesting a picture ID to unlock my account. 
With my account locked by Trans Union I am unable to check if any inaccurate information has been posted to my credit that can damage my credit rating. 
Also this is a way for Trans Union supporting creditors who are conducting improper illegal actions with false information posted to an individual credit with problematic to discriminate against the debtor credit report. 
Also requesting XXXX derogatory remarks to be removed from my credit report 1 ) XXXX XXXX XXXX open XX/XX/XXXX should not of been open. Account closed in bankruptcy XX/XX/XXXX from XXXX XXXX. 
2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$4600.00} removed like other accounts in bankruptcy XX/XX/XXXX 3 ) XXXX XXXX County ( XXXX XXXX ) for {$520.00} lien for sewer bill and not a tax lien in bankruptcy 2014
Checks that were ordered from my new checking account at Citizens Bank were stolen in transit on XXXX/XXXX/16. XXXX checks were fraudulently written between XXXX creating a - {$2300.00} overdraft in the account. I called the bank immediately upon hearing about the overdraft and filed a police report. I signed and sent affidavits regarding all the stolen checks. Due to miscommunication, oversight, and other errors by the bank, there continues to be a - {$610.00} overdraft in the account and the account is now 'charged out ' even though there is a fraud claim still pending. At XXXX point, the bank mistakenly sent out a 'Fraud Suspicion ' report to XXXX and almost had my current checking account closed. It is now 75 days since I first reported the incident, 49 days since I faxed the first affidavit and 38 days since the last affidavit was sent to the fraud claims department. Very little explanation was given as to the process of filing these claims and how long they would take. Customer service supervisors at Citizens Bank are not returning phone calls. There is little if no communication between the customer service department and the fraud claims department. No one at Citizens Bank can give any time frame as to when the funds in my account will be restored.
PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE XXXX CONFIRMATION NUMER XXXX  FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} COLLECTION ACCOUNT XXXX XXXX XX/XX/XXXXShow Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED XXXX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
fcra defamation of character law by putting back on negative information is 5 days transunion, XXXX XXXX XXXX, lXXXX all responsible {$1000.00} each by law part ( a ) 5h ( b ) ( ii XXXX must notify creditors more than 30 days also reported this 60 days ago
I was credited only seven qualifying loan forgiveness payments for the period beginning XX/XX/XXXXand ending XX/XX/XXXX. However, I made twelve qualifying payments during this time. On XX/XX/XXXX, I sent a complaint to FedLoan Servicing with a detailed breakdown of the payments I had made. I requested a written response by XX/XX/XXXX. That should have been more than enough time to respond. But they have still not responded.
On my credit report XXXX is not reporting what appears on my account online. They are not reporting that I have not been XXXX days late on my account in XX/XX/2013. Instead it says my account has been charged off. Online the company is reporting that my account is current. When the payment is XXXX days late the company calls and requests a payment because the account is still active and not charged-off.
Lender informed me that I had to pay a penalty ( of about {$400.00} ) for extending the closing date. It is of no fault of mine that the closing date must be extended. The extension of the closing date is due to lender. Lender was not able to order the final inspection until a notice was received by the seller that it had been complete. Seller did not receive the amendment for repairs until about a month after the initial inspection. That is where the main delay happened.
I had been charged a late fee because ditech had raised their rates. 

However, they failed to deliver proper notification of the raised rates. I had never missed a payment in over 10 years. There was no mention of the raised rates ( as at the time I was paying via internet ). 

All dates below are XX/XX/XXXX. 

XX/XX/XXXX : I email ditech about the situation. 

XX/XX/XXXX : ditech confirms there is no late fee balance ( via email ) XX/XX/XXXX : ditech explains their payment structure where funds from fines are withheld and not used to fully pay off the late fee, thus occurring in another late fee charge ( I have this confirmed in writing by ditech ) XX/XX/XXXX : Another late fee is charged, despite having been assured no charges would be incurred. We paid an extra {$120.00} XX/XX/XXXX : ditech assures, in writing, that money will be applied to the next month 's statement XX/XX/XXXX : I email ditech because they failed to credit the additional money they received. 

XX/XX/XXXX : ditech responds explaining that the money was used to pay off a fine from XX/XX/XXXX ... explaining there are existing charges and fines that I was no notified of Summary : ditech charges fines that are unwarranted. then explains that when a fine is paid ... they use the money to partially pay off the fine, thus leaving an unpaid balance in tact. when they received more money, they instead bring up more fines that were never mentioned. 

ditech has consistently withheld information of my account and ( assuming that these charges are not also nonsense charges ) failed to fully explain how to pay off any existing fines. Also, their payment structure is designed so that fines are never paid in full, and instead held in " unapplied funds '' ( I have this in writing from ditech ). 

-- - I have attached the full email conversation with ditech ... I will checklist the relevant pages Page 4 : ditech confirms that they do not use the money received to fully pay off the bill Page 5 : ditech presents a chart confirming that they do not use the money received to fully pay off any fines or charges ... instead they withhold the money in " unapplied funds '' Page 7 : ditech is informed they received an extra {$120.00} and is asked to credit that amount to the next month 's bill Page 8 : ditech explains the payment will be held in " unapplied funds '' and if I so choose, they can set something up to have the funds applied on the next payment ( note : having extra funds applied to their next bill is not the default action, their default action is to hold the money in " unapplied funds '' ) Page 10 : ditech is made aware that the promised credit was not applied and of my plans to file a complaint with the CFPB Page 11 : ditech brings up 2 separate charges " principal '' and " corporate advance '' ... both charges were never mentioned in the 2 month conversation about fees and charges ... 1 charge apparently from XX/XX/XXXX was never mentioned in the past 3 years.
Capital One XXXX charged me interest on my previous balance before the due date of my statement. My XXXX XXXX, 2016 statement balance was {$590.00} with a due date of XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016 : 12 days before the due date. However, my statement dated XXXX XXXX, 2016 states that Capital One charged me interest in the amount of {$5.00}. This is the second time that Capital One has charged me interest when I paid the balance in full.
Back in XXXX I stopped making payments on a {$1600.00} Chase Bank credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX Chase decides to sue me but I was never served. Chase 's attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the XXXX XXXX XXXX in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX XXXX XXXX XXXX XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX XXXX XXXX XXXX XXXX and they told me that there is nothing they can do because the judgement was entered by XXXX XXXX XXXX and that XXXX XXXX XXXX has to remove it.
My name is XXXX XXXX XXXX XXXX am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.