WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my account on the morning of XX/XX/XXXX, I noticed I had been charged {$420.00} in overdraft fees. I was concerned as to why this happened so I looked through my account. A {$500.00} student loan payment I originally intended to be made on XX/XX/XXXX was mistakenly scheduled for XX/XX/XXXX instead. I was not scheduled to be paid until XX/XX/XXXX so the money deducted for the {$500.00} payment caused my account to go into the red. 

When I signed up for my account with TD Bank in XXXX I opted in for an alert when my checking account balance was low ( {$100.00} ). For some reason I never received that alert, thus I did not know that I was running a low balance and kept making purchases. 

On XX/XX/XXXX I went to a local branch where the Manager said she was doing me a favor by reimbursing {$100.00} of the {$420.00} to my account. I think this is extremely unprofessional to tell a client that you are doing them a 'favor '. I then called customer service and they only reimbursed me {$35.00}. In light of recent overdraft related class action lawsuits against TD Bank one would think they would do the right thing here and help their customer out. 

I have a clean record with the bank. There has been no other instance of an overdraft happening on my end. I want the remainder of my money back. It is disgusting that such a large institution knowingly takes advantage of its so called customers. 

Also, as a side note, when I spoke to customer service the first person I spoke with told me he already briefed his supervisor on my situation and that she was not going to reimburse me any more for the fees and then proceeded to ask if I still wished to speak with her. It seemed as if he was trying to convince me nothing more could be done and to silence me.
XXXX is reporting an account that was included in a BK as collections and charge off. They stated that account was opened in 2011 and closed the following month. They show the balance as {$770.00} with a {$12.00} a month payment. I have contacted them with no answer and I have disputed it with the reporting agancies and XXXX will not remove it.
Filed a complaint about being charged a late fee, which in my opinion is abusive since technically my payment was made on the same day it was due, but was posted the next day because it was it was not made by the cutoff time set by Barclay. I was assessed a {$34.00} late fee, which I must work nearly XXXX hours to earn, and I 'm a head of household with XXXX dependents because I missed the cutoff by minutes. So your few minutes cost me XXXX hours of my labor, plus take food off the table for my dependents. I do n't believe my request is unreasonable to ask for a {$34.00} late fee be waived, considering you make a lot more than that over time in interest. First when I called to request your manager gave me attitude when he told me no one can waive that for you in a condescending tone. Second I filed a complaint, and a young lady by the name of XXXX from the office of the President called me twice, once on XXXX XXXX and XXXX XXXX, even though I called at least three times after the XXXX, no further attempts were made to call me, and instead you responded in writing with the nonsense that was provided by your agent, and manager. I do n't think you 're written response addressed my issue or concern appropriately. Your agent 's response, your manager 's response and your office of the President 's response was inadequate. You simply told me I already knew, and I did n't ask you to reiterate what I already knew. I expressed a deep concern that I felt your late fee was abusive, unfair and unjust for someone like myself who made the payment the same due it was due for a very large amount, and missed your so cutoff time by minutes but was assessed a late fee. Maybe you should focus your attention and invest on being more customer centric and doing the right thing for the customer when you know they have an issue, since obviously technology is not an option you 're willing to invest in. There really should be a difference in making the payment by XXXX on a given date as opposed to making payment by XXXX. It 's still the same calendar day, and it is processed electronically immediately. I could understand if we were behind on the times, and we still had a brick and mortar operation where I needed to get to a branch location before it closed, but that is not the case. This an electronic payment which was still processed on the due date. Like I stated its truly sad and unfair that I should to give up XXXX hours of my hard earned money for a few minutes of an obsolete cutoff time. The way you have handled my request and the amount of energy you have expended to not do a courtesy waiver is unbelievable. Just put XXXX of that same effort into doing the right thing for your customers and everyone will be happier on both sides. Once again I 'm requesting a courtesy waiver of an abusive, and unjust late fee.
I have had a loan with Nelnet for many years. I had a hardship deferment when I left school due to a family emergency. In 2015 my loan went into forbearance. I renewed the forbearance several times. Each time upon applying for the forbearance they had done an adminstrative forbearance bringing my account current and late payments forgiven. The last time they did not do this even though I was told they would do so like they always had. I now have two late payments on my credit report due to this oversight, the two loans I have through them made it four total. This is the only delinquency I have to my name and am feeling the reprocussions. Some then, I 'm no longer in forbearance and have been making timely monthly payments to pay back this debt.
Documents supplied according to the Creditor ( I never agreed to any service or product ) - show agreement of debt but the documents are not any agreement but a receipt of my own personal belongings that were returned to me. Please see the complaint mentioned above- BCFP suggested that I dispute this negative report to the collection agencies through you since I have already disputed it with the original " creditor '' without results vs the debt collection agency complaint that I had already filed. 
Please reference previous complaint # Per Complaint # XXXX
On XXXX XXXX, 2017 I drove a friend to a XXXX for an initial appointment. The XXXX is XXXX XXXX. The office manager, XXXX XXXX, tried to be all friendly, like a used car salesman. Said my friend needed all sorts of XXXX work but her credit was bad. Then asked if I would cosign for her. I finally said OK. He took my information. He wanted me to cosign for her, then had me sign some simple form saying I would pay ( enclosed ). On XXXX XXXX, 2017 I had convinced my friend they were just scammers. We faxed an initial cancellation to them, which they received. A few days later, a credit card appeared in the mail with a charge of {$11000.00} on it. I called CareCredit and told them I never asked for or filled out any form requesting a credit card. The office manager at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, did all this without my knowledge or approval. I never saw any credit form. I have sent the bank, which is Synchrony Bank multiple copies of faxed notes to XXXX XXXX XXXX XXXX XXXX ). XXXX has never replied nor tried to cancel the credit or return the bank 's money. I consider this as Fraud, not a billing problem. I am contacting CFPB with the initial complaint against XXXX. They have taken advantage of senior citizens by scamming them into paying for things never received or done. No services were ever done for me. I just drove my friend there and was pressured into signing as a cosigner. But the entire thing was cancelled on XXXX XXXX, 2017 and XXXX provided nothing except the initial office visit. XXXX has never tried to collect from my friend, but they have charged XXXX as much as possible without providing anything.
I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
I 'm constantly being harassed and sought after over a debt that is not mine! I have disputed many of times and have been sent everything but a contract and proof of identification stating that the debt is mine!! This debt is not mine and I will like it removed from all credit bureaus!
Equifax Inc. was reckless in their handling of my sensitive personal information. Improper security controls have allowed nefarious agents to obtain information that is so private, it is used as security verification of my identity in my relationships with other companies. Upon using the website provided by Equifax ( equifaxsecurity2017.com ) to check whether I was personally affected by the recent data breach, I received the message " we believe your personal information may have been affected by this incident. '' No other assurances for identity protection were provided. 

From this day forward I must now assume that my social security number, driver 's license number, previous addresses, and credit card numbers are linked to my name and are PUBLIC INFORMATION -- as well as possibly more detailed information about my financial history. To personally protect myself I will have to ( 1 ) purchase an advanced identity protection service, ( 2 ) maintain increased vigilance across all my business and government relationships indefinitely, and ( 3 ) insist on above-standard identity verification in new business and government relationships. As I am young, I estimate this burden will cost me no less than {$100000.00} over the next several decades.
On XX/XX/XXXX made a deposit of {$3400.00}. On XX/XX/XXXX made deposit of XXXX. On XX/XX/XXXX after deposit i paid tjree bills that Wells said would be delivered XX/XX/XXXX. On XX/XX/XXXX they sent me an e mail that I had XXXX money in account. I called XXXX XXXX and XXXX XXXX and they did not have payment but Wells took the money out of my account and took money from my savings for overdraft. They have been doing this and charging a {$12.00} fee. I did not realize it. So they are taking my money out of account before creditor receives and then charging me.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX ) XXXX
I have been actively using my XXXX XXXX XXXX XXXX prepaid debit card over a year. I have my payroll direct deposited in to this account. I use the card to make purchases at XXXX, other merchants, withdrawal cash, ect. 

I have made several calls to the XXXX XXXX XXXX XXXX prepaid debit card customer service department. I expressed my concerns that I am being cheated of my rewards I should be receiving from this card. I have had nearly {$15000.00} deposited in total in to this prepaid card the past year. 

I understand that cash withdrawals are not considered eligible purchases to earn points. Nearly half of the {$15000.00} was spent where visa is accepted on eligible purchase. 

XXXX XXXX XXXX XXXX prepaid debit card Customer service continues to lie to me over the phone, break promisses this issue would be corrected, and a member of management would correct the issue. 

I continue to wait for my XXXX XXXX XXXX XXXX   prepaid debit card rewards. 

I HAVE NOT RECEIVED any rewards at all the entire year. XXXX XXXX XXXX XXXX prepaid debit card Is called, XXXX XXXX XXXX XXXX prepaid debit card Why is called a reward card when they continue to cheat, lie, and take no urgency to fix the issue. 

I should have earned nearly {$180.00} in rewards in total the past year. No rewards have been given to me I will proceed with legal representation if XXXX XXXX XXXX XXXX prepaid debit card does not correct the problem and apply the reward money to my account.
in 2013 BOA sent us this notice : 1 ) They sold our mortgage to, and they obtained payment from FHA.2 ) FHA sold our loan to XXXX 3 ) as a result, our loan was transferred to XXXX . Now BOA is pushing hard to take our house and auction it. How can BOA sale our house if XXXX currently owns the loan? Should n't they help us keep our house? Of course greed always take over compassion ...
I decided to accept a " 0 % interest for 18 months '' promotional offer from a retailer for {$2700.00} worth of new carpet for my home. The financing was through a new credit card from Synchrony Bank. When the first bill came, I set up automatic online payments, but miscalculated the monthly payment necessary to pay off the full amount in 18 months ( {$98.00} vs. {$150.00} ). After 19 months I received a call from Synchrony that my payment was late, and that 's when I noticed the error. I paid the remaining principle immediately, but now have to pay {$1200.00} in deferred interest ( 29.99 % APR ). I realize this is my mistake for making monthly payments less than that required to satisfy the promotion terms. I did a little research and found that this happens to about XXXX in XXXX people who sign up for these deals. I feel the whole practice of offering a program designed to slam the 20 % of people that get tripped up is predatory and slimy. I also found out that Synchrony bank ( formerly GE Capital ) is XXXX of the largest banks offering credit on behalf of retailers selling big-ticket items like carpet and appliances. It 's a multi-billion dollar business for them. I called Synchrony and talked to XXXX different customer service agents, offering to pay the 30 % APR for the two months since the promotion period ended, but received no consideration. I was told that since I accepted the initial agreement, I should have known the consequences. I feel like a fool for even falling for such a risky proposition. I just hope others will learn from my mistake and avoid Synchrony bank offers for exorbitant " deferred '' interest rates which are effectively land mines hoping to catch consumers off guard.
Account opened early XXXX. My boyfriend put some of his paycheck into my account to save time from having to transfer it over to me. Bank froze my accounts and asked to go to a branch. I provided the requested identification documents, but the nearest branch is XXXX miles away. Bank has not responded since and when I called in, they stated the account was closed. I am unable to log into the account and have no idea where the funds are ( XXXX ) dollars. 

I want a check for the balance in my accounts and thats it, accounts can remain closed.
XX/XX/2017 this has been going on for 3 months where Bank of america is over charging me for XXXX dollars, where i have made a purcahsed from target and XXXX XXXX XXXX and went to go do a refund but they decided to charge me for my refund which never made any sense please read my attached form which explains everything, i have lost so many hours and time with them on the phone, i even have to call them on my day off i mean who does that? someday i would be on the phone with them for over 4 hours or 6 hours this needs to stop!!
I had gone to my financial institution to try to apply for a loan, when they pulled my credit report it showed that XXXX XXXX XXXX, who is actually the company that I am leasing my house through is reporting that I owe {$2000.00} per month on a trade lne. My rent is only {$1000.00} so I don't know why they reported {$2000.00} but the way that they are reporting it, it looks like I have owed {$2000.00} since I moved in and they are not reporting that I have paid anything, but infact, I have paid my rent early every single month. 
My financial institution said that because this is showing on my credit report this way, it puts my debt to income ratio incredibly high and that they will not be able to give me a loan with it showing this way. I contacted XXXX  who agrees that this is incorrect but instead of callng the Credit bureaus to fix it, they sent me a lettter. My financial institution will not accept the letter and said thta until they remove it, it will affect my ability to secure a loan. I would like this fixed.
XXXX XXXX XXXX cancelled my credit card without warning and reissued a new card without notifying me. There was no suspicious activity on my account. They refused to tell me the specific reason that they closed my account saying only that " a vendor '' compromised my account. Which vendor? When? I registered a complaint with a customer service representative named " XXXX, '' who gave me a reference number of XXXX. He refused to give me his employee badge number or to provide any other information. I believe that I am entitled to know what activity occurred that affected my account and that XXXX XXXX XXXX should notify me rather than simply taking unilateral action.
Made a purcharse in XXXX, for 04 computers, was suppossed to wire the money through XXXX  keeping the reference number to myself until the package was delivered. They asked for a proof of the transfer, they asked for me to send a picture of the receipt covering the reference number ( which is suppossed to be the only way to cash out the money from moneygram ), and with the receipt and with out the REFERENCE NUMBER they cash out the money from moneygram in XXXX. Thought XXXX guaranteed the transfer only if the receiver presented the Reference number.
I received an e-mail yesterday at XXXX from Consumer Financial Protection Bureau asking me to dispute a response from Nationstar Mortgage. The problem with the e-mailmessage was that there is no response from the company to be disputed. Who ever sent it asked me to click on a link and that link took me to my own complaint case # XXXX. Instead of reading Nationstar Mortgage response I was reading my owncomplaint about Nationstar Mortgage. I do not understand the e-mail message. Could someone explain to me better or let me have the company response instead of reading my own complaint.
On XX/XX/XXXX I voluntarily repossessed a vehicle with drive time. On XX/XX/XXXX that showed on my credit as a charge off for {$8900.00}. Drive time contacted me on several occasions asking me to settle the account, I declined. In XXXX XXXX drive time reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX Drive time again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. Drive time is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof
Paid off card then company sent XXXX bill which I sent in before the next months bill but had the wrong information on my account then they closed my account and dropped my credit score a XXXX points. I have never been late on payments and think this is unfair.
Today, XX/XX/19, a XXXX XXXX rip off scam company called me about a loan request I had made that they found online. They told me I was approved for $ XXXX {$10000.00} and I said I only needed the minimum amount of {$2000.00} which they then told me would be a fixed {$180.00} taken out of my account every month. I trusted that this was who they said they were and didnt realize until later that XXXX  XXXX doesnt actually give loans but sets you up with a lender instead. I gave these people my personal information and bank information but told them I wanted to opt out of the whole program. I told them that over the phone and through an email. I have both emails they sent me. I canceled my debit card since they asked for that information too and am not sure if I need to cancel my bank account. I am scared since my paycheck gets deposited twice a month and my taxes are getting deposited soon as well. I have the phone number they called me from as well : # XXXX Attached is the loan agreement they sent me and their emails with my replies.
I opened a credit card XXXX years ago with CITI. They promised to give me XXXX for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month
I C SYSTEM INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you I C SYSTEM INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : I C SYSTEM INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX