WillisBack/dataset-financial-user-claim huggingface dataset:
I had a standing order that if funds in my bank account were low, that regular payments such as XXXX XXXX and XXXX not be withdrawn. I did not give my consent to have these deducted from my account and than to be charged {$35.00} service fee on each item. 
XX/XX/XXXX XXXX XXXX was withdrawn of {$10.00} XX/XX/XXXX Overdraft fee charged of {$35.00}.

XX/XX/XXXX Overdraft fee charged of {$30.00} XX/XX/XXXX XXXX XXXX for {$31.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Overdraft fee {$35.00} XX/XX/XXXX Per mobile phone deposit, {$680.00} ( which as of XX/XX/XXXX still pending ) XX/XX/XXXX Debit converted check of {$10.00} XX/XX/XXXX Overdraft fee of {$35.00}. 
I called call center for Bank of the West XXXX to explain that per my order I did not consent to these being withdrawn. The supervisor stated on automatic payments that they were withheld.
Upon reviewing my credit report i noticed TWO DUPLICATE accounts that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? XXXX XXXX XXXX needs to IMMEDIATELY furnish me with a medical release form or remove these accounts. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.
I applied for a Marriott rewards business card from Chase bank because they offered XXXX points as a sign up bonus. In the fine print it stated that the bonus would not be given if I had had this card in last 24 months. I assumed that if I had this card in the last 24 months my application would be denied but it was approved so I thought I would be getting the bonus. XXXX-8 weeks later after I had already spent XXXX dollars to get the bonus they told me I had did not qualify for the bonus. Chase should make it more clear in the application that someone could receive the card but not the bonus and they should tell the consumer right away not 6 weeks later. I feel like I signed up for XXXX credit card product with certain benefits and was given another product with out my permission.
I received a XXXX form from Chase and they will not update my balance to zero. I have attached a copy of the form with this complaint. I received a reply from XXXX, and they wo n't correct.
this was a fraud account opened back 2014 by state farm bank with fraud balance {$5000.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX representing Midland Funding have been harassing us for over 2 years. We went to court on XX/XX/XXXX and settled for {$1200.00}. We were making {$100.00} payments a month to the address that we were given. All of a sudden we started receiving letters from another attorney stating we never made these payments and that we owed over {$1700.00}, we went ahead and made to more payments in the amount of {$100.00} each and again several months later we received a letter from another attorney stating the same thing. They tried to serve us again in XX/XX/XXXX, in XXXX XXXX they would n't let us pay the amount owed and we ended up paying another {$1600.00} to close the account. Now the account showed up on my father in laws credit and they are claiming it was n't paid. We have all the paperwork they have sent along with receipts of our payments and yet they continue to harass us and are trying to serve us again.
On several occasions I have  notified Chase of unauthorized inquiries on my credit reports, but they continue to obtain my credit reports without my permission. I have not requested a card from them, but every couple of months I am notified of a  UNAUTHORIZED hard inquiry from my credit monitor. I do not have a card with this company and I want th em to stop requesting my credit reports without my permission. This ongoing action keeps lowering my credit score.
I have two hard inquiry on my credit report & I've never had any dealings with these companies so something not right & the contact info for Sun Loans is incorrect because the phone number is out of service. The companies or Sun Loan & XXXX XXXX XXXX.
Experian has hurt my credit report and threatened to further affect my credit in order to apply pressure as part of an employment-related dispute. 


The brief history of the situation is as follows:1. On XXXX XXXX, XXXX, a driver who had taken me to the airport incorrectly charged {$1100.00} instead of {$110.00} to my XXXX XXXX card. 

2. From XXXX XXXX, XXXX through XXXX XXXX, XXXX, I conducted numerous calls with XXXX XXXX ultimately resulting in the case being assigned to a team investigating major frauds. 

3. In XXXX of XXXX, I paid the full {$1100.00} charge. 

4. Experian and XXXX XXXX accounts completed an investigation including a detailed reconciliation of my expenses. This determined that Experian incorrectly allocated a personal item to corporate expenses. XXXX XXXX with XXXX XXXX and XXXX XXXX of Experian agreed to change the allocation. 

5. On XXXX XXXX, XXXX, XXXX XXXX, with XXXX XXXX, stated, " We audited the monthly statements for XXXX XXXX and the dispute has been fully reconciled. In the end, his charge for the limo service was {$110.00}. " 6. On XXXX XXXX, XXXX, XXXX XXXX confirmed they would send a credit balance refund check in the amount of {$990.00} to me. That ultimately did occur. 

7. In XXXX, XXXX XXXX representatives began calling and claimed that due to an internal investigation, Experian had changed its position and demanded payment of the {$1100.00}. The matter was referred by XXXX XXXX to collection services. Threats were made about my credit, and now a negative entry was placed on my credit record ( a hard inquiry by XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX. 

Experian and XXXX XXXX determined that the {$1100.00} charge was an error, and reimbursed me. The only thing that has happened since that time is that Experian, my now former employer, has started litigation against me regarding post-employment covenants. A former employer should not be allowed to use my credit score as a weapon in connection with a matter that has previously been resolved in my favor by Experian and by XXXX XXXX.
XXXX    XXXX   reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.
Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.
On my credit report it states that XXXX XXXX XXXX XXXX is 100 % percent accurate. When clearly you could see the inaccurate information placed on my credit report. I tried disputing multiple times for inaccurate information such as, the terms, date open, account status, account type, payment status, account name, balance, company sold-to, and payment history. The account is clearly inaccurate. I sent the XXXX XXXX XXXX XXXX validation of debt letter and they failed to respond. Also, I sent them a letter due to that i do not have knowledge of the account. In which, this account have not been properly validated becuause clearly they are violated the law section 609, 611, 616, and 617 under the FDCRA and under FCRA. The credit bureaus states this account is 100 % accurate across every section of the account. They are violating my rights and my credit worthiness and defamation of my character.
Hi there, I am an international student holding a student " F '' Visa. 

I opened a checking account with US bank in XX/XX/2017 when there was a promotion. I told them that I am an international student Visa and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XX/XX/2017. I received my bonus for opening a checking account, which is {$200.00}. However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all.

Then I went back to the branch where I opened my account so many times, each time they said sorry for what they did, copied my information and said everything was fine, you just need to wait, they will refund you {$56.00}, but i still have not received my {$56.00} Federal Interest Withhold until right now, It's being almost 1 year. During this year, i called the branch said they didn't resolve my problem, i want to complaint to their manager, but they said the manager is not there, they asked me to leave my phone number, the manger will call me back, However, I have never heard anything from their manager. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.S. ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a XXXX student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX  XXXX XXXX, XXXX XXXX, XXXX. 

And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.
To whom it may concern : What happened was, an ex boyfriend of mine stole a checkbook of mine ( who owns his own business, has kids is a XXXX XXXX and what I thought not a bad guy ) and wrote 7 checks with a total of {$10000.00}. I filed a police report. The bank verified it was not my signature on any of the check and even verified the Business Account he wrote the checks under " XXXX XXXX XXXX. '' They verified where the checks were deposited. 

Chase then blamed me for not " exercising extraordinary care of protecting my checkbook '' and have denied all claims. 

I have banked with Chase bank since 1994. 

You would think the police report, the printed checks, and all the other evidence they had would be enough. 

Now I have an official letter stating they are denying thing claim. 

I need your help. 

You may contact me anytime on my cell phone XXXX. 

Thank you so much for any help you can offer!
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Hello, I have a student loan with Great Lakes. During XX/XX/XXXX I was a graduate student, at least half time. I submitted to Great Lakes the information required by them to update my status as student and defer interest payment on my loan. I have been a student at least half time since XXXX XXXX, all through XX/XX/XXXX. The statements I receive form them and the account detail listed on the website does not provide sufficient information to follow the payments how are applied to interest and to principal. However, my XXXX reflects {$220.00} received in interest payments for XX/XX/XXXX from me. This is not correct, it should be XXXX. Great Lakes had all the information they required form me to stop the interest charge.
Equifax Information service response with the normal scripted answers, as if the consumer did n't attempt to resolve the issue with them first, my statement is Equifax Information Services does n't actually investigate disputes to wit : There are XXXX accounts on my credit report, that do n't bear my name, the name that is upon my social security card, my social security XXXX check, and my credit report, yet they continue to state that they are verifying the information as belonging to me, which is false, based upon the continual pattern of not investigating the complaint. Specifically in 2005, based upon a duplicate issued social security number issue, and usages of name identification of XXXX or more individuals bearing the same name, my name was changed on my social security records completely to what it is now, and yet entries continue to appear on my credit report which are n't mine, and the credit reporting agency continues to state that they are verified, but they ca n't be verified if they do n't bear my name as the first criteria for verification. Equfax has only one agenda enrichment of self regardless of fact, and regardless of truthfulness of those facts. XXXX, XXXX XXXX XXXX XXXX, having Equifax previously respond indicating it did n't report, then reporting such without notification of change, and now stating that its verified, when the verification standard only includes their statement, but not factual, since it does n't bear my name. XXXX, a collection for XXXX XXXX, which i did n't open, that once again does n't bear my name or the creditor has not contract or proof that i ever applied for such service, yet reporting as verified. In the effort to prevent unauthorized usage of my information my social security number and name identification was changed, and yet equifax has continue to allow the pulling by inquiry of my personal information, without my social security number, basically the offender is making up a social security number, and providing my address which gives them my information. I herein request that all inquiries, excuses, and lies from equifax cease, and that the accounts that do n't bear the name identified with the social security number be removed. Equifax is n't secure, and their system is easily overridden by changing social security numbers to get the correct social security number, and personal information.
In fall 2014, Caine & Weiner ( C & W ) contacted me about collecting a debt associated my previous employer. After receiving the initial communication from C & W, I sent a letter in response requesting full documentation of the debt in question, since it was unclear on what the debt was and why it was being collected. C & W responded by providing some information, but not enough to explain the debt. 

On XXXX/XXXX/14, I requested additional information and, after receiving no response for several weeks, called C & W to inquire about the status of my request. My call was returned by a C & W employee who indicated that he had no intention of providing any additional documentation, despite the obvious lack of support for the debt. Further, the employee 's tone was hostile and threatening. 

I have since been discovered that Caine & Weiner has also taken action with several credit reporting companies including XXXX, and XXXX with regards to the account. 

The fact that Caine & Weiner knowingly ignored my request for additional documentation while simultaneously reporting negative information to credit reporting companies constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.
A tax lien was incorrectly placed upon me. I have disputed this many times with all three creditors and all have removed the lien with the exception of Equifax. I proved to the state of Ohio that I did not in fact owe the state any tax money. This has been on my credit report since 2012. The reference number for this lien is XXXX and was reported on XXXX XXXX, 2012. <P/>It has now been five years and this has been detrimental to my credit score. I did not owe any money to the state and I have proved to them that I did n't which is why it was released and I am respectfully asking for it to be removed.
I received a call from a woman named   XXXX   XXXX   claiming she was representing   XXXX   XXXX  . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
TCF Bank without any prior notice to me in writing or any other form of communication debited my account {$160.00} from my checking account. While I was physical at the XXXX branch completing a transaction with a teller. My account was setup as close to debit since no additional information was available Or documented in my account. After filing a fraud complaint form per XXXX branch manger on duty, XX/XX/2018 at appropriate XXXX XXXX, I was instructed to initiating a police report with XXXX Police. I was promised a follow up in a few days from the TCF fraud department. After not receiving any communication I called a number listed on the Fraud complaint form to my surprise the branch never submitted the forms. 

The representative assured me follow up will be communicated. Days later I was notified the deductible was for a safety deposit box that was open five years prior and the fees was for four years of rental payments. Perplexed I visited the opening branch seeking clarification. The male Teller advises a lot of complaints has been coming in from customers such as mine because there account was debit without knowledge for account setup years prior. I was contacted by XXXX XXXX, TCF supervision of operations responded to my inquiry from the branch visit via a retuned phone call. XXXX explained I should have had a checking account setup for yearly deductions so it wouldnt have been so long before the funds was taken without and communication prior. 

I explained it was indeed setup with a checking account and wanted a copy of all communication concerning the safety deposit box. She explained there was no form of communication linked to my account that could be resent no record of letters or any other form of communication. Despite all other transactions being documented over the five year period. I explained my frustration with not being noticed of the deduction for a transaction that wasnt even communicated to me by any other means prior to the withdrawal. XXXX explained I can contact XXXX since she had no additional information on the letter that was suppose to be generated over four years and nothing could be done about the refund of my account.
After being contacted via phone by their office and made aware of this alleged debt, I contacted Power Company regarding this account. I paid {$460.00} directly to XXXX XXXX and received a tracking number ( MTCN ) # s XXXX and XXXX for my payment. 

I sent a letter on XX/XX/2018 notifying them the account has been paid in full to the original creditor and therefore they must stop all collection activity on this account. This includes, but is not limited to, phone calls, letters or negative reporting to the credit bureaus. 

They are still reporting it.
Just finished my XXXX. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( XXXX XXXX, XXXX ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.
I have been fighting with Wells Fargo Dealer Services for months to correctly apply my loan over-payments to paying down my principle balance rather than keeping any over-payments as offsets for future monthly payments. I was told that each time I over-payed I would have to call into customer service to get the over-payment " reissued '' and applied directly to principle. I accepted it because I am tired of arguing with them. I was told " this is policy and we are not going to make changes to your account. '' Fine ... 

So I paid {$1400.00} in XX/XX/2018, which is {$1000.00} over my monthly payment. I did this so i wouldn't have to worry about paying my loan for the next 2 months. They had a note saying that i did not owe again until the beginning on XXXX as the remaining {$1000.00} would be applied to my XXXX and XXXX payments due. Nothing new. So i didn't worry about paying the amount owed at the beginning of XXXX because they said in my XXXX payment statement balance that the over-payment would be applied to future months owed ( XXXX and XXXX ). 

So I checked on it today XX/XX/18 and they reversed my XXXX over-payment and applied it to principle ( seriously, after saying it was not policy ) without my authorization or approval and are now saying that I am past due on my  XXXX payment. 

They are the biggest group of liars and thieves. Seriously, they should all be brought up on criminal charges. So now my credit was hit AND I have late charges. I'm going to pay the " overdue '' XXXX balance tonight but this is getting ridiculous. Regardless of what I do I can not win with these unscrupulous people.
I have previously disputed Bankruptcy and XXXX other judgement on credit report and it has always come back frivolous I am now filing an official complaint through FCRA act XXXX to have them permanently deleted!
Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX I received a call I have a past due account on XXXX XXXX which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from XXXX I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.