WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX  , 2017, my d ebit card at  TD Ban k was compromised, and  XXXX  ( a company I have never heard of or interacted with ) withdrew {$370.0 0} ( in  XXXX   separate charges, {$280.00} and {$83.0 0} ), causing me t o incur {$100.00} in overdraft fees.     While the charges were pending, I went to my lo cal TD Ba nk branch and froze my card. I was told I could n't file a complaint until the charges were processed and my money was withdrawn. I waite d 24 hours to  lose my money, and then returned to the bank.     I filed a complaint with an employee that day at the local branch, or so I thought. Tod ay,  XX/XX/XXXX  , I emailed TD Customer service to see why this claim, said to only take 10 days, had not gone through. They reported, and the local branch corroborated, that no dispute had ever been filed. This is an egregious example of customer " service. '' As a struggling college student, losing all the money in my account has caused me to gre at stress and forc ed me to alter my lifestyle, eating less and spending nothing, and apparently, all for naught.     This is a terrible example of banking and account security, and I fully expect to be compensated for my losses. Unless  TD Bank   makes a serious effort to rectify their mistakes, they will have lose a customer.
I have been incarcerated since XXXX/XXXX/XXXX I have inquiries on my credit report
SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE.
I have a British Airways credit card from Chase. One of the card benefits is that if you spend {$30000.00} in one calendar year, you receive a companion Travel Ticket. 
To reach this {$30000.00} target by XX/XX/XXXX, I used the card on XX/XX/XXXX with a purchase of {$3500.00}. This made my XXXX total of {$30000.00}. 
Chase states my calendar year purchases only total {$27000.00} and they will not count the {$3500.00} purchase because in their system internally it posted on XX/XX/XXXX. However, the XXXX credit card statement sent to me by Chase from XX/XX/XXXX shows the purchase of {$3500.00} was on the date of XX/XX/XXXX. 
Their Terms & Conditions state " Cardmember must make {$30000.00} in Purchases in a single calendar year on their British Airways Visa Card to receive a Travel Together Ticket. '' The T & C does not specify posting date, only Purchases as defined in a single calendar year. 
I have fulfilled the requirement but Chase refuses to honor my claim.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
I was advised by a Employee of the XXXX XXXX XXXX that my School Loan would not be due until I finished the XXXX XXXX. Due to the fact i was in school for more than 12 hours i went to the academy from Monday to Friday XXXX. The Employee advised me that due to those hours I would not be responsible for the monthly payments. While in the academy i was being billed by the XXXX XXXX XXXX, but they sent the paper bills to the wrong address. I advised the XXXX XXXX XXXX that i did not receive the bills. Due to the time they charged me i was unaware i was being billed and was told i would not be. Due to the fact i was with out knowing and being told I would not be I was tagged for being late. My credit was hit for late fees when i was advised i was not going to be. I called XXXX  XXXX XXXX and was advised that the employee I spoke with does not work there and that the information was false. I do not agree my credit should be faulted for information i received from an employee that no longer works there.
On XX/XX/2018 - Wells Fargo Bank N A - placed a message in my online account - message center - We have shipped your new Wells Fargo Debit Card ending in XXXX. The card was shipped to XXXX XXXX XXXX, XXXX, FL XXXX. The message was added at XXXX on XX/XX/2018. I never requested nor approved of them sending another debit card. They refused to tell me who asked for the debit card. I don't know how that person got access to my personal information. I told her that I truly believe an employee is responsible. I follow protocol for logon. The thing that really irks me about Wells Fargo is the logon, every month they're requesting a new username or password, not an exaggeration. On XX/XX/2018 - while on the phone with one of them - to close my account - I told her I wanted to setup bill pay for XXXX she did this for me, the payment was for {$45.00}. A few days later I get another message telling me I have XXXX dollars, I was supposed to have {$.00} in my account. I message them on XX/XX/2018 asking them for my {$.00} to be returned to my checking account. Now because of all this type of problems going on I have to save copies of the things I do in my account. Thats not right. Senior citizen permanently XXXX, with no relief in sight. I filed a report for FRAUD and Identity theft.They sent a message > telling me that they've update my account information, without even explaining or acknowledging their mistake thats a cove up.Somebody is lying. I responded to that message.
XXXX has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last five years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.
Re : Account number:2nd request and Demand Letter 1. Violations Of XXXX Fair Debt Collections Practices Act 2. Violations of the Federal Fair Debt Collections Practices Act 3. Violations of the California Consumer Credit Reporting Agencies Act. 
4. Violations Of the California Business and Profession Code. 
( 2 phone calls received post revocation of consent to be contacted. 

This certified letter, is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : Please see my full complaint dated XX/XX/2016 attached.
Chase claims they do a courtesy one time no overdrawn fee and makes you sign a paper. However, they are hitting customers with {$34.00} dollars everytime there is not enough funds in the account for electronic transactions. How is it possible to allow you transaccions when there is not enough funds in the account. They are just stealing money legally from customers. <P/>Upset customer, XXXX
I made a {$700.00} deposit to 5/3 Bank in XXXX NC on XX/XX/2016 at XXXX using the night deposit. When I checked my account at XXXX that evening they had not credited my deposit. Yet, they had charged me an overdraft fee at XXXX. My car payment will be drafted out tonight so it will bounce and I will be charged yet another fee. When I called customer service, the lady suggested I go to the branch. I am sorry, but I am not taking off work when they should be checking the night deposit daily. They need to refund these charges and write a bank error letter to my car payment company.
This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolios failure to provide requested information for the debt alleged. Portfolio has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, Portfolio responded with a short paragraph of information on the debt ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by Portfolio. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to  act in good faith and refrain from unfair deceptive or abusive acts.
They call my number over and over. There is never a person on the line when we answer, just an automated system advising of a collection, and to call an XXXX number. A person should not have to call a collection company to inform them they have the wrong number. This seems like harassment. Most people in collections, which I am not, will not call a number back.
I recieved a call today regarding my ex husbands uncles debt. I have been divorced 5 years. I recieved a call from an unknown number stating they were with the XXXX courts and that I was being supeoned to testify. They needed my attorneys name to update the courts. When I asked what this was regarding they directed me to contact the plaintiff at XXXX. I recieved this call at work and had to leave my responsibilities to go to a conference and call the " plantiff ''. The number went to a company called a.r.a. asset recovery associates. The woman I spoke with said her name was XXXX XXXX. She said I was a co-dependent in a case against my ex husbands uncle. She provided me with case no. XXXX XXXX. She stated I was a co-defendent in a case against him regarding XXXX charges of check fraud which would be filed today. When I asked more questions she hung up on me. I called XXXX XXXX County and city courts. Neither had the case no. Asset recovery associates provided me with. I called asset recovery associates back at XXXX and the woman who answered the phone did not provide her name but stated she had already spoken with me today. I said I was hung up on earlier. She said that was because I kept calling. I asked her to send me something in writing regarding case no XXXX XXXX. She said you 'll get your supenoa. At that point I assumed she was using deceptive debt collection practices and asked her to cease and desist. She said only my attorney can request a cease and desist She then hung up on me again. These claims she made that I was a co-defendant in a case that had absolutely nothing to do with me caused me XXXX. I may recieved a supeno and if that 's the case then we 'll deal with that. However I feel that they had no right to threaten me on a fake cae
Equifax is reporting for XXXX bank on my credit report and I was avictim of identity theft and proven by the police. they are also reporting me as a authorized user to an account I never had with XXXX. The account shows me as an authorized user. I have never given anyone permission to add me as a authorized user. They nor Equifax has any written proof. This is a outright VIOLATION OF SECTION 609 AND 611A OF THE FCRA. EQUIFAX IS ALSO REPORTING THIS TWICE ON MY FILE! ILLEGAL
The employee took down all of my information. He signed me up for an account. Then asked me to wait a second left the office and came back with an adverse action letter. He said some banks may be reporting incorrect information and this is why he is denying me an account.
I have a credit card with Bank of America that i have been trying to pay off for years. I have XXXX tiers of balances:1 ) Purcahse@7.24 % interest2 ) Direct Deposit and Check Cash advances@14.99 % interest3 ) Bank Cash Advances@19.24 % interest. 
I made the minimum payment of {$170.00} for XXXX 2015 that was due in XXXX 2015 on XXXX XXXX, 2015. I also made an additional payment of {$1100.00} to clear up my Bank Cash advances balance of {$1100.00} that had the highest interest rate of 19.24 %. The total payment made on XXXX/XXXX/2015 was for {$1300.00}. 

When I received my XXXX statement after making the minimum payment of {$170.00} as well as the additional {$1300.00}, which should have cleared up my " Cash Advance '' balance, the statement reflected a balance of {$320.00} under the Cash Advance tier. 

In addition, the second highest interest rate tier balance, Direct Deposit and Check Cash advances, went from " balance subject to interest rate '' of {$1500.00} in XXXX 2015 to {$1600.00} in XXXX 2015. How can my balance grow if I made the minimum payment AND paid an additional amount. This brings into question all of my past billing statements with Bank of America that I have not reviewed as carefully. I would like a full review of my payment history and balances by the bank for the past 5 years. I do not trust that tehya re billing me accurately and fairly.
My student loan debt is crushing at $ XXXX. I 'm on a graduated plan paying {$400.00} a month which apparently does n't even cover interest at this stage. My rate is 5.25 % which I ca n't lower. My car loan is 2.99 % and my home mortgage is 3.75 %. I have an excellent credit score, but none of this matters. Something needs to be done about the rate and relief of our student loan debts. I did n't go to college for XXXX and XXXX degrees to live like this. I could do and be so much more without this bringing me down. Something must be done. I know I 'm not alone and hope someone is listening to what this is doing to us and how ridiculous it is. This should not be happening to us in this country. I did n't dream since I was a child to be the first in my family to graduate college and better myself to deal with this. I also graduated XXXX and got a XXXX in grad school. I did my absolute best and always strove to XXXX, but for this? Absolutely not. We all deserve better than this.
I financed a vehicle, XX/XX/2004 XXXX thru XXXX in XX/XX/XXXX. In XX/XX/XXXX, the car was parked outside my home and was damaged by a hit an run driver. My insurance company at the time paid the car off but there was a balance left for financing, as I was unaware of GAP insurance at the time. The car dealer did not mention or offer GAP insurance so I did not know this existed. After paying off the car, XXXX financed a XX/XX/XXXX XXXX in XX/XX/XXXX. By this time, I 'd given birth to my second child. XXXX XXXX offered a {$110.00} ( {$58.00} bi-weekly ) a month payment amount to pay off the balance of the XXXX For a while, I was able to cover both payments but as times got hard, being a single mother of XXXX, and I fell behind on making payments. XXXX, from XXXX agreed to work with me and adjusted the monthly payments on the XXXX to compensate both accounts ( I was paying {$250.00} but it was split between both loans XXXX. This stopped in XX/XX/XXXX. I made several proposals to the company, asking if they could put the XXXX loan at the end of the XXXX loan and payments would continued to be made once the XXXX was paid off. UnfortunatelyXXXX was n't able to accommodate. XXXX decided to start taking my monthly payments off of the XXXX and applying them to the XXXX. I called several times to have them reverse the transactions and filed a complaint with the BBB regarding Its collections practices. XX/XX/XXXX - XX/XX/XXXX, I went back and forth with P.F.S.C. INC regarding my inability to make the additional payments for the XXXX. In XX/XX/XXXX, I received a notice of garnishment of my earnings stemming from a lawsuit that was filed back in XX/XX/XXXX but I was never notified of the suit by XXXX nor Its counsel XXXX. XXXX, lied under oath and signed an affidavit claiming that I was served notice and was granted a default judgment on behalf of XXXX and I was never given the chance to defend myself. This was a deliberate attempt to steal funds from a single mother of now XXXX children. I have lost my home, all of my personal belongings because I could not afford to pay the storage, I am currently homeless due to the inability to make monthly rental payments. I tried to work this out with the company but was not afforded the opportunity too.
I left a voicemail message for an attorney. I received a call back from XXXX XXXX impersonating an attorney. I then asked for verification of the debt which he refused to do. He then agreed to send me some paperwork and then refused to accept the address I provided him. They have never sent me anything regarding notice of the right to dispute the debt. The information they provided to me over the phone about the debt was incorrect. I have told them numerous times that the amount of the debt is wrong and they still keep trying to collect on that amount instead of requesting proof from the original creditor.
In XXXX I visited the XXXX XXXX ER for a XXXX XXXX. In XXXX I was approved for permanent XXXX and they paid all my old hospital debts. There were more than XXXX and all were paid. I submitted this information to the hospital and XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. I have spoken to XXXX XXXX several times but they continue to report to the credit bureau. Please remove.
After reviewing my credit reports from all three credit bureaus, XXXX, XXXX, and XXXX ... This collection account from AMERICOLLECT for the balance of {$450.00} was placed on my credit reports, and is reported twice on each of my credit reports without my authorization. I requested through certified mail to AMERICOLLECT copies of documentation that were used to verify the accuracy of these accounts. Under the Fair Credit Reporting Act 15 U.S.C. I have all the rights for this agency to disclose to me all the documentation that was recorded and retained in the files. I have not received no answer or anything in writing. I have been receiving harassing phone calls daily threatening to damage my reputation and credit worthiness, with these unverified accounts and distributing them to 3rd parties. These inquires add a hardship, and violates my legal rights and protections. Please help assist me with allowing this collection agency to stop victimizing me.
I wrote a check to a con man and I want to find that man and sue him to get my money back. The trouble is that I do not have his true identity or a location so that he can be served or arrested or anything else. 
However, in order for him to cash my check he must have had an account or must have shown valid ID. If I can find out the bank or banking entity that accepted the check when presented by the con man, I could have that entity subpoenaed or served or whatever to investigate the circumstances related to this check, which was the financial aspect of what was ultimately criminal activity. 
I asked my bank to help me at least identify the corresponding bank or banking entity that received the check, but they tell me their systems only process requests that verify that the account number is valid and that the dollar amount of the check is in the account, and they claim they have no records that would reveal what banking entity was on the check-cashing end of the process. 
It makes no sense to me that there is no tracking through the Federal Reserve check clearing system, but so far no one has been able to tell me what entity has tracking info or how I can ( via subpoena or something ) obtain it.
The credit bureau provided my credit report and all my information to XXXX XXXX XXXX XXXX XXXX. I have never given permission or authorization for my information to be provided to this company that I have no relationship with. This company used deceptive practices with my husband who attended XXXX XXXX XXXX and that is how I am aware of them. They had no right to look at my personal information and cause damage to my credit because of too many inquiries that did not result in a credit offer. I NEVER REQUESTED A STUDENT LOAN FROM THIS COMPANY AND THEY HAD NO RIGHT TO INQUIRE INTO MY PRIVATE CREDIT INFORMATION.
Good Morning - On XXXX XXXX XXXX I spoke with staff at FedLoan Servicing regarding my student loan payment recalculation under an IBR schedule. I was advised by staff at FedLoan Servicing to submit new paperwork to have my payments lowered, only to have my bill increase {$80.00} - I was misled. <P/>After speaking with numerous staff and a supervisor I was informed on how FedLoan Servicing calculates monthly payments. It involved utilizing annual income and a state poverty line adjustment which I am sure your office is familiar with. My grievance with this calculation is based on the fact that FedLoan Servicing shows consumers that they calculate loan payments as 15 % of an applicants 'discretionary income '. <P/>I work as a XXXX XXXX and was very puzzled on my phone call with FedLoan servicing because from what they explained to me they are in fact not utilizing discretionary income at all. They are utilizing an in-house model that ignores discretionary income. <P/>My application stated that my monthly net pay ( after taxes and other essential deductibles ) was {$1500.00}. My monthly student loan bill came back at {$450.00} - nearly 29 % of my net pay. <P/>Why is FedLoan Servicing allowed to advertise Income Based Repyament plans as utilizing a percentage ( 10, 15 or 20 ) of discretionary income when in fact they are not doing this at all? They are utilizing another formula that tracks payments unexpectedly higher for the majority of applicants. <P/>In fact, if one were to educate themselves on definitions of 'Discretionary Income ' it becomes blatantly clear very quickly that this in fact not what FedLoan Servicing is utilizing at all. They do not ask any questions regarding rent payments, other necessities, and apparently ignore net take home pay entirely! <P/>Please, help bring FedLoan Servicing in line and stand by what they tell borrowers!