WillisBack/dataset-financial-user-claim huggingface dataset:
When I signed up for banking with US Bank in XX/XX/2018, I said 'no ' to overdraft protection. This was presented to me as a blanket option, under which all transactions made against my credit card, debit card, and checking and savings accounts would be denied and I would therefore not be charged a fee. On Friday XX/XX/XXXX, I made 2 mobile deposits to put money into my checking account in preparation for a credit card payment I wanted to make on Saturday XX/XX/XXXX. The balance in my checking account after these deposits was {$4800.00}, and I submitted a credit card bill against that checking account for {$3600.00} on Saturday XX/XX/XXXX. I was unaware that the other user on the account also submitted a credit card payment against the checking account for an amount of {$2400.00} on Saturday. On Monday XX/XX/XXXX, the bank paid the other user 's credit card bill of {$2400.00} and then overdrafted my payment of {$3600.00}. The bank did not attempt to make the payment against my credit card bill, and yet the amount of {$3600.00} was taken out of my account and then returned on Wednesday XX/XX/XXXX, in addition to an overdraft charge of {$36.00}. I called US Bank on Tuesday XX/XX/XXXX to address the issue with them and asked why I had received an overdraft fee when I had said 'no ' to overdraft coverage when I created the account. While on the phone with the customer service representative, XXXX/XXXX, I read from the agreement I had signed with the bank, which stated that : " ... if you have chosen No you will not be charged an Overdraft Paid Fee. '' She responded to me and said : " Yes, we have customers confused about this and calling to us often ... '' and then proceeded to explain that the charges were allowed under a bait and switch tactic, in which the bank allows you to choose 'No ' when you first sign up, but fails to mention that you must specifically request 'No ' for overdraft protection on certain accounts in order to avoid the charge. The way that this was explained to me was very disheartening. I try my best to understand my finances and make knowledgeable choices about my financial health. I have never missed a credit card payment before and the credit card company dropped their own returned check fee when I called them. Since the bank is trapping many customers in this loophole concerning overdraft fees on certain accounts - even after customers have specified 'no ' - I believe they should refund my {$36.00} and discontinue this malicious and misleading practice. If I had known that my 'no ' didn't cover all of my accounts from overdraft fees, I would have kept saying 'no ' until it did. Before I got off the phone with XXXX/XXXX, I asked her to please extend my 'no ' to any account that hadn't been covered the first time I declined overdraft coverage. Thank you very much for your assistance.
I disputed this item with Equifax that this item does not belong to me, they came back saying that this item was verify by the creditor and that I should contact the creditor for more information. I try get them to tell me what method did they used to verify this information, but was told that it all electronic and there is not a person that they spoke with. I asked then how can you verify this information when you did n't speak to a rep from the creditor but she say that how Equifax verify information. I contacted XXXX XXXX XXXX XXXX to send me a the contract agreement that I consent to contract but they refuse to sent me the information instead asking me to resend the information that I already sent to the in my letter, which include the account number, the date of last activity, account satuts and amount due/charge off. XXXX XXXX reporting on Equifax that this item was charge off /sold {$8500.00}.
This was my first experience of buying a new vehicle. I was contact my the dealership XXXX XXXX XXXX XXXX online that they can make my dream come true in buying a new car that as of now it became a nightmare. On XXXX my car was hint behind & just got informed it will be a total loss. The dealership never advised me about GAP insurance & I just recently found out about that insurance last Thursday when my husband bought his truck. It was a very unfair for me not to be advised in giving me that option when I was offer with an extremely high interest of 27.80 % when purchasing this vehicle. It was very unfair for the Dealership not offering this insurance to me knowing especially how high the interest is & now I have to pay a balance out of my pocket more than {$3500.00} & if I keep the car I have to pay over {$5000.00}. Today XX/XX/13 I called the financial Santander Consumer USA to see if they can give me a deal to close/payoff the account as I already have paid them over {$14000.00} & the lady who answered me said no i still have to pay the balance that is pending per the contract signed. I honestly see this unfair & am looking for help as an American consumer i feel disappointed how the dealership ripped me off as well the financial company not working with me. Now I will be left with a broken car or no car plus no money to get a new car. If someone out there can help me I will appreciate & for the consumers do not go to XXXX XXXX XXXX XXXX i don't recommend them they don't care about the consumers ONLY their sales & when buying a vehicle ask for GAP insurance that will help. I wouldn't like no one to experienced what am going through.
Customer service would not help take care of these inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Effective XXXX XXXX, 2016, XXXX sold my mortgage to SunTrust Mortgage. Initially, I received a note from SunTrust that my account number from XXXX XXXX would remain unchanged. I later received a note from SunTrust that I was given a new account number. I changed the account number in my bank 's automatic payment, and through a snafu, the XXXX 2016 payment was not sent to SunTrust. I was unaware of this until I received a notice from SunTrust that my XXXX 2016 payment had not been received, so I was to make a double payment that was for XXXX and XXXX 2016. I received a bill for the two months of XXXX and XXXX in the amount of : {$2500.00}. I made that payment on XXXX XXXX, 2016 - to cover both XXXX and XXXX. Yesterday, XXXX XXXX, I received a note from SunTrust that they had not received my XXXX payment. I went into my bank account and the payment for XXXX and XXXX had been sent on XXXX XXXX. I called SunTrust, and during my 58 minutes on the phone with 3 people I learned that SunTrust had made the following mistakes : 1. ) They applied my XXXX payment to my principle, rather than to my mortgage payment. This happened even though they sent me a bill for {$2500.00} and I paid exactly {$2500.00}. 2. ) I further learned that my XXXX payment was also incorrectly applied to my principle! They received my XXXX payment on XXXX XXXX, 2016. The first error was now compounded by a second error. I was told that they would correct that issue and respond back to me today. I am extremely concerned that my credit, which is super, will be negatively impacted by these SunTrust errors. I would like to have this checked out, as I notice that there are a number of online complaints that indicate that SunTrust misapplies monthly payments to the mortgage principle and then sends out notices to homeowners that they are late with their payments. This is either incompetent or fraudulent.
Been paying this company  2 payments every 2  weeks. They was only surposed to get 1 payment a month but taking out 2 every 2 w eeks. On   XX/XX/XXXX he y took out {$450.00} and they {$390.00} on the same da y. CNUSA has  put a lot of inturst on it at 29.999 %. I ca n't pay my regarler bills because of this.
A storm ripped through Maryland, downing a tree on our house. Several holes were put in our roof and many of the tiles were damaged. We had to have the entire roof replaced. Because of the cost of repairs, XXXX issued a check with both our name and our mortgage company 's name. We had to give them the check along with a notarized form signed by both our contractor and us. The check was for {$6800.00}. 

We submitted all of the paperwork to Embrace Home Loans 3 weeks  ago. The work has been completed and we still can't get our mortgage company to release the money. 

The issue, they say, is because we didn't all sign the form on the same day. 

Here 's what happened. 

We signed and the notary notarized it. 
The next day, the contractor left his work-site to sign it. and the ( exact  same ) notary notarized it. 

Finally, the notary notarized it at the end, showing that everything had been overseen and notarized by the same notary. 

Embrace says they can't accept it because it was notarized on different days by the two parties. We explained that our contractor is very busy and both my wife and I have full time jobs. In order for all of us to make it there on the same day, we would have to take even more time off work ( than we already did ) which will cost all of us more money. 

Bottom line is, the work has been completed. Everything is done. But, Embrace Home Loans is holding the money hostage. My lawyer friends say there is nothing about the notarized document that should allow them to keep the money. Worse yet, they have already cashed the check.
I received a letter from Experian that my information was compromised by an unauthorized party. When I checked my credit report I saw two hard inquiries that I did not authorize. I want to dispute them and get them erased from my credit
All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. Equifax, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.
I keep getting calls from Trans World Systems, XXXX. I have told them on at least two occasions that they have the wrong person and phone number but the calls continue. In their recorded message they refer me to an XXXX at an XXXX number.
I have a prepaid debit card with rush card on XXXX XXXX there was supposed to be doing some kind of update to their system and it was only supposed to last a couple of hours here it is 13 days later I 've had XXXX pay checks deposited into this account and I can not access any of my money you call rush card to try to find out what 's going on your on hold for XXXX to XXXX hours once you finally get someone they tell you they ca n't help you because their system is down but most of the time you 're put on hold for XXXX to XXXX hours to pick up and then hang up on you I have changed my direct deposit so no more of my checks will be going into this account but I would like to have access to the money that is on the card now but I called on XXXX XXXX and that was my last straw the customer service rep told me that I should change my direct deposit which I kindly inform her that I already did that I just wanted to know when will I have access to the money that 's on the card right now she told me that it could be weeks before I will have access to that money this situation has caused me and my family unneeded stress in my life my landlord is threatening to evict me before the situation happened I was a little behind with my rent I made an agreement with my landlord I would pay him {$300.00} a week until I was caught up and he would n't evict me and I was doing that until this situation happened now I have missed XXXX payments and my landlord is threatening to evict me I 'm scared that by the time this whole situation is fixed me and my family will be in the streets every customer service rep for Rush card that I have spoken to I have explained the situation to them and they do n't care why they keep saying is they sorry they sorry me sorry I do n't want to hear sorry anymore I want my money how could this be legal that they can hold your money like this and a Rush Card representatives are telling people that the cards are working and that 's a lie my card has n't worked for over 13 days and counting at this point I feel no one at Rush Card cares about me and my family I have XXXX kids that depend on me where we supposed to go if my landlord evict us I hope you can help
I have sent many dispute letters to XXXX and XXXX in regards to the Discover Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.
After three failed attempts to have Fay Servicing apply funds to outstanding late fees, I am submitting this complaint. I have contacted them three times by telephone. I have written them XXXX letters, as well. All to no avail. 
Currently, my account has a balance of {$160.00} sitting in an account that Fay Servicing calls, 'Suspended Balance. ' I also have an outstanding amount due in late charges of {$160.00}. I have asked Fay Servicing to apply the money in the Suspended balance to the outstanding late fees. To date, they have failed to do that. I tried reaching my account manager, XXXX XXXX, but she is not available. I did speak with her on XXXX XXXX, 2016. At that time, she told me that the money would be applied to the outstanding balance for late charges. That never happened. Today, I called Fay Servicing for the third time to resolve this matter. XXXX XXXX was not available. When asked to speak to her manager, XXXX XXXX, I was told he was not available but would call me. He has yet to do that. 

It should not take XXXX letters and XXXX phone calls to have a simply matter like this resolved. I also ca n't get an answer from Fay Servicing as to why their accounting system software can not apply the money in my account properly.
To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.
I get calls every day from Midland collections. Today XX/XX/XXXX they called me XXXX times. I asked them to stop. I told them I do not owe them or any other collections or credit card money. I work split shifts and am on call from my job and have been awakened all day today. Please get them to stop calling me.
XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments.
The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
have called Transunion multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Transunion is supposed to protect my information and has failed to do so. 
XXXX  XXXX has ran my credit multiple times and had no authorization to do so. 

XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX I dont even know what company this is and when I called then number its in XXXX and i dont speak XXXX. 
XXXX : XX/XX/XXXX I want these off my credit. Its hurting me to obtain anything because of this stuff
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
COLLECTIONS Account Details Last Reported XX/XX/XXXX Collection Agency BONNEVILLE COLLECTIONS Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$96.00} Remarks -- Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$43.00} Remarks Account paid for less than full balance Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$77.00} Remarks Account paid for less than full balance Creditor Contact Details XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
I opened a {$3000.00} education loan with the VA. I made an agreement with them to pay back the loan in installments of {$85.00} a month starting in XXXX of XXXX. As you can see from the itemization attached, I made my XXXX payment ... my XXXX payment ... my XXXX payment ( EARLY ) and in XXXX they did an automatic withdrawal from my pay that I did not authorize. 

They continued to take this money even thought the agreement was for the {$85.00} a month. Even though they were collecting twice what we agreed upon monthly, and without ANY MISSED DEDUCTIONS, they began reporting this item as delinquent in XXXX of XXXX ( See VA historical delinquency attached ). 

1 ) The VA is in violation of section XXXX I never received a notice of delinquency or any notice that they were sending my information to the credit bureaus. 

2 ). They are in violation XXXX in that, when I disputed this item with them in XXXX, they were required to follow the same provisions of sec. XXXX with regard to disputed accuracy. I did not receive any update in 30 days and they did NOT remove the item since they were in violation of the repayment agreement and should not have reported it. 

I relayed these violations of non-compliance with federal law to XXXX and Experian. XXXX properly deleted the item. XXXX XXXX and Experian have left it in violation of FCRA section 611 ( a ) ( 5 ) ( A ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Gold Key Credit Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Since XX/XX/XXXX, my Coinbase account was locked and now I no longer have access to my coins / funds on Coinbase. I have 4 Ethereum on the account and 4 more Ethereum which I was supposed to receive XX/XX/XXXX / XX/XX/XXXX.  I was ( and still am ) really worried about my Ethereum and they are worth a lot of money and I paid a lot for them and plan to keep them for investment purposes. I emailed Coinbase support the first day but got an automated reply saying I should contact them at https : //support.coinbase.comXXXX so that 's what I did. I did n't get any reply so I contacted them again 35 minutes later and gave them two different phone numbers that they can call me on so I can discuss with them but they just replied saying they are working with a specialist so they can address it properly. I waited over 3 hours and I was really panicking so I contacted them one more time only to get no reply, no call, nothing. I tried to contact one of the Coinbase support members, XXXX, through XXXX that day and still no reply. I contacted another Coinbase support member, XXXX, through XXXX the following day ( XX/XX/XXXX ) and still no reply. I tried to contact Coinbase support again on XX/XX/XXXX and still no reply.
I have never had an account with XXXX. This is the third, third party debt collector that has tried to collect on this account. The other 2 have been removed from my credit file, but XXXX doesn't report it in their name, so while I get the third party debt collectors removed XXXX keeps reselling the account. It is an unfair practice to keep selling the debt to a third party after I have it removed from my name. WAYRESGRP is the new third party debt collector. They failed to send me my notification of right to dispute. When calling WAYRESGRP they don't not handle disputes directly they send the customer to XXXX XXXX  fraud department. XXXXXXXX XXXX is not the company that is negatively effecting my credit. I have a right to dispute with the party that is reporting to the credit file. This is another violation of my rights as a consumer. This account must be removed as my identity was not verified when they opened the account, and the have violated my rights as a consumer.
On XX/XX/XXXX, I agreed via a phone conversation with XXXX to a loan modification to bring my account current and adjust monthly payments. The agreement called for three monthly payments of {$1200.00}. beginning in XX/XX/XXXX. The first two payments were made on time as agreed, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we received two certified notices of default with intent to accelerate dated XX/XX/XXXX. We also received three notices stating that the loan modification was no longer available and to contact the company for information about other " foreclosure alternatives. '' The company 's hours are Monday through Thursday, XXXX to XXXX and Friday, XXXX to XXXX. Since it was after XXXX when we received the certified letter, we had to wait until Monday to call. We spoke with XXXX, ID XXXX, who told us that we now had to talk with a " single point of contact, '' XXXX XXXX, at XXXX. We called him Monday morning. On Tuesday evening, after not receiving a return call, I called a second time. Once again, I got voicemail. I mentioned that we planned to work with a debt management company, and so I needed to know what our monthly payment would be moving forward. Very shortly, XXXX XXXX returned my call. Unfortunately, I was unable to answer. He asked me to return his call to XXXX, which is an outright scam. I called him a third time and once again left a message. I called the main number, XXXX, and was told that our point of contact is not XXXX XXXX but instead XXXX XXXX at XXXX. I have left two messages with her with no response. Please see the " additional comments '' section of the XX/XX/XXXX and XX/XX/XXXX statements regarding this modification agreement.