WillisBack/dataset-financial-user-claim huggingface dataset:
Our TD Auto Finance LLC auto loan was directly debited from our XXXX XXXX XXXX checking account until XXXX 2017. In XX/XX/XXXX we switched to XXXX XXXX and changed over all of our direct debit accounts. I tried to change the direct debit information for our TD Auto Finance loan online but was unable to due to technical difficulties with the the TD Auto Finance website. ( To this day the website is still not capable of making this change ). Because I could not update my banking information online I faxed in a copy of my request to change the bank account from which the direct debit was drawn. After TD Auto Finance received my fax ( confirmed by an account manager on each of the three occasions I called to attempt to rectify the problem ) it attempted to withdraw money from my Bank XXXX XXXX bank account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After each of these attempts I called TD Auto Finance and was told that my fax had been received and that the problem was fixed. In XX/XX/XXXX and XX/XX/XXXX our XXXX XXXX XXXX account became overdrawn and fees were applied to our account. The account still exists but we do not fund it anymore. After XX/XX/XXXX I called XXXX XXXX XXXX and had them put a stop payment on any future requests fro withdrawal from TD Auto Finance. Again in XX/XX/XXXX TD Auto Finance attempted to withdraw money from my XXXX XXXX XXXX account but could not this time because of the stop payment. Because TD Auto Finance could not withdraw money in XX/XX/XXXX our account became past due without us knowing. My husband recently received notice that his credit has been negatively effected due to our past due account with TD Auto Finance even though our balance is now fully paid using the one time payment option on-line. This has been an extremely frustrating and time consuming experience. Each of the three times that TD Auto Finance withdrew or attempted to withdraw from our XXXX XXXX XXXX account I spent at least an hour on the phone with a TD Auto Finance representative. Each time they indicated the problem was fixed and each time the problem was not fixed. I am still not sure whether TD Auto Finance will attempt to withdraw from the wrong account again this month. Now our credit has been negatively affected.
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : XXXX XXXX XXXXXXXX - {$3000.00} Capital one - {$6100.00} Capital one - {$8800.00} Capital one - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
I applied for a XXXX XXXX with XXXX. I called and fax the company a letter requesting that they do not process my payment which was due on XXXX XXXX. The payment was not processed on this date but instead they processed it today. I am having extreme financial hardship and that I am filing bankruptcy, this was explained to them on my letter I faxed over. When I called them to confirm receipt of my letter I was told they did n't receive it but I had a confirmation on my side ( i have attached proof of confirmation ) stating the fax went through. In my letter I expressed they were no longer authorized to debit my account and cease collection attempts. They failed to cooperate and now I am - {$270.00} over drawn.
I closed out the account back in XXXX 2015 and have since then requested to receive paper statements until account is fully paid in full. Every time I contact the company to inquire about statements or make a payment I am assured that a request is being placed and I should receive within a few weeks. I have been making payments as required by the due date but still have not received any statements and do not know what I am being charged. I am still being charged a maintenance fee and I do n't know why when I am not utilizing the card. Of course, I am also being charged for finance charges. This company is preying on individuals claiming to assist in helping build credit when it makes it worse on those individuals who are struggling.When I call and the about the statements, I am told that I signed up for e-statements and that is causing me to not be able to receive paper statements. I believe someone in IT or with the proper authority should be able to override the system. 

I would not recommend this company to anyone.
XX/XX/2018 I was on XXXX searching for event tickets and found an add that advertised tickets for the amount of {$120.00}. After this point seller organized the money exchange would be via XXXX ( It felt safe because my bank Wells Fargo was linked so naturally assumed there would be protection ). The seller proceeded to send XXXX account email and instructed me to send {$120.00}. After I sent funds a brief phone call was made to seller where I was told that the tickets were being sent from XXXX and that it would take a few minutes and quickly hung up. Several phone calls attempts and several more after the seller denied all calls made. This was a devastating experience using XXXX. 

Ps I reached out to Wells Fargo and was told nothing could be done and to just call the cops. Wells Fargo doesnt not refund any XXXX transactions if its comfirmed fraud only if the XXXX sender is hacked.
I received notification onXX/XX/XXXX from XXXX XXXX that a new collection had been added to my report. I notified Cascade Collections that they were in violation of FCRA by email and did not receive any response nor did I receive any notification of the collection from Cascade. 
They gave impacted my credit report, have not sent me notification nor did they send me verification of the debt. 
The same complaint is against the original company XXXX who refused to send my text book rental back to me and claim I owe them {$260.00} for a {$20.00} textbook. They refuse to send me receipt or documentation for this debt. XXXX promised to send me back my book- they never sent it and claim there was a time limit on their gesture which is not noted anywhere on the email.
I requested an economic hardship forbearance that was approved initially. Still made a small payment after, between XX/XX/XXXX &XX/XX/XXXX Navient added remarks to my credit report that I was affected by a natural disaster & it cause my credit score to drop 20 points ( I have not been affected by a natural disaster in any way ). Called customer service & was told that they were removing the forbearance, but it wouldn't be updated until the end of the month & also my account would be marked as delinquent. I'm in the process of trying to buy a home and I have to suffer for their error.
My son gave me a check written on his Chase Bank personal account. We both have the same last names. I took the check to Chase Bank in XXXX, TX. He had sufficient funds to cover check, I presented a valid id and the bank refused to cash/honor the check because I did not have an account with them violating federal banking regulations. They did not even try to contact him by phone to verify check. I spent approximately 20 to 30 minutes in the bank. The vice-president stated that she did not have the authority to cash this check and was unable to reach any of her supervisors for an authorization. Very hard to believe. In short, they refused to honor their own check written on there bank with a good customer who had ample funds to cover the check. I do n't understand these big corporate banks who make it very difficult to do business with. It is no wonder they spend huge amounts of money on advertising to draw in new customers when they should learn to take care of their existing customers. Do business with a independent bank for superior customer service!
I contacted Experian by written letter three times requesting it to correct or delete within 30 days an item related on my credit report that provided inaccurate information related to the account, account balance, payment frequency, payment amount regarding the XXXX, account XXXX, who no longer holds this account. Experian did nothing, despite my repeated requests and supporting documentation ( i.e., bank records ) to provide proof of the inaccuracy. For this reason, the agency is in breach of the Fair Credit Reporting Act.
Since XX/XX/XXXX One Main has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX )
The California XXXX XXXX XXXX placed a lien on my bank account on XXXX XXXX, XXXX claiming we owed the state XXXX taxes. This was incorrect, as were were living in Virginia in XXXX. I faxed y XXXX Virginia tax filings to the XXXX XXXX XXXX, they agreed, lifted the lien, and sent me a notice saying the lien had been recorded in error. 

However, my credit report with TransUnion ( and possibly other agencies ) still shows the lien. I called TransUnions " Consumer Relations Department '' at XXXX, but it is only a recording offering to send me a copy of my report, but no option to correct errors.
I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 168 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected.
I Sent a letter to Experian on XXXX XXXX, XXXX, regarding a timeshare I purchased at the XXXX XXXX XXXX XXXX several years ago, along with a copy of a signed and notarized deed, filed and recorded in XXXX XXXX, XXXX, Tx, where I sold it on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, Tx. XXXX. XXXX XXXX failed to record the deed until XXXX XXXX, XXXX. I contacted XXXX several times to advise them of this sale and have been receiving harassing calls since XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX for two years, 3-4 times every week, and also they have damaged my credit score by trying to charge me for the yearly maintenance fees on the timeshare I sold two years ago. There position has been I 'm still responsible for these fees since XXXX XXXX has not paid them, and XXXX XXXX has used the timeshare.
I do not have a contract with MDS. I am not liable for the collection of this debt nor am I responsible. I have never done business with this company. In fact, I have never heard of this company until receiving a copy of my credit report. MDS has failed to provide me with legal supporting documents. I requested the signed contract between me and this company and they neglected to provide it. Instead they sent me " ER  Admission papers ''. I requested an original itemized bill and they neglected to provide it. Instead they sent me a statement with a balance for " ER services ''. I requested a HIPAA release form signed by me allowing MDS to access my medical files they have neglected to provide that form all together. Not only are my HIPAA rights being violated by this company but so are my consumer rights. I attempted to disput this invalid debt via the bbb but to no avail. They continue to ignore my requests. It is my contention that MDS KNOWS they can not tie me to this account otherwise they would have done so when I made my initial request. MDS is BLANTLY disregarding the law.
I 've had a Southwest credit card with Chase for several years now. When I opened the account I was told there would be no annual fee yet I 've just discovered that they have charged me a {$99.00} annual fee three times ( since 2015 ) without my knowledge or consent. When I contacted them after realizing this I was told that the fee for the first year was " waived '' and that they will not waive or refund the fees. This is classic bait and switch and a clear violation of UDAAP.
I inadvertently missed my XX/XX/XXXX payment on my mortgage. The amount was {$1800.00}. It came to my attention after XX/XX/XXXX, so on XX/XX/XXXX, I called XXXX XXXX XXXX at their customer service number ( XXXX ) XXXX and spoke with a representative. I made three ( 3 ) payments : One for {$3600.00} for the months of XX/XX/XXXX and XX/XX/XXXX ; and one for {$1800.00} for the month of XX/XX/XXXX. For convenience sake, I made the {$3600.00} payment utilizing checks drawn from my credit card account, which were secured by XXXX XXXX XXXX. When I made this payment, I specifically advised the representative that they were credit card checks, because I was mindful that mortgage companies do not accept credit cards. The representative specifically advised me that the payment method was acceptable. Now, XXXX XXXX XXXX has, after the fact, rejected the credit card check payments. It has furthermore registered my account as delinquent by two ( 2 ) payments, and is making us pay the next six ( 6 ) months via certified funds. This has resulted in tremendous extra cost to me, and will result in extensive additional time, effort, energy, and cost moving forward.
I have an 18 month old manufactured housing mortgage with US Bank. At the end of XXXX they notified me of an escrow adjustment of {$2700.00} for taxes ( the first year and the next year ) to take effect XXXX/XXXX/15. This took my monthly payment from {$430.00} to {$750.00}! 
I promptly called the bank to alert them to a problem. I received the phone tree run around for 70 minutes. I explained to a Senior Banker XXXX that the amount was horribly inflated. My tax estimate last XXXX was {$880.00}. I also explained that the tax bill had n't yet been issued. She informed me that they got their information from my taxing authority and that I would n't see a bill and that the numbers were correct ( at best all incorrect or at worst lies ). 
A week later I received my tax bill and it was a few dollars less than the XXXX estimate. I sent a copy of the bill and relevant correspondence to the address the bank provided asking for a prompt adjustment. 
On XXXX XXXX I again called the bank. This time a chirpy Customer Service Rep informed me that there was a note on my account about a {$500.00} difference between " their estimate '' and the actual charges. She told me an investigation was underway and could take up to 90 days. She also informed me that I needed to pay the inflated amount until I was notified differently. She also added that I would receive any overpayment back in a " big fat check '' in XXXX. 
I 've continued to emphasize to the bank that they should not have made such a gross over estimate a week before the actual bill was to be received. I 've further stated that while I 'm sure the matter will ultimately be resolved it is difficult to pay the large, incorrect increase out of a retirement income!
Mortgage Lender Roundpoint Mortgage has raised my monthly payments from US {$2900.00} to US {$3200.00} in XXXX 2016 installment without informing me in advance and without any explanation. My bank has paid the difference in overdraft. I called Roundpoint customer desk and informed me that they can not do anything about it because its the County Tax that was raised and hence the revised monthly payment.
My problem started in XXXX 2013 when I had a credit card issued by Synchrony Bank and I had stopped getting monthly bills from them, at this point I was unable to login online, or contact anyone through their customer service line, because they stated that I had passed away. Now as you may or may not know I am writing this so therefore have not passed away, and am very much alive. I 'm left unsure of where to turn with my problem and thought that maybe it would eventually go away. Now I 'm stuck with a credit card that was Charged-Off due to non-payment, which they would n't take. Due to this issue still not being resolved my credit has dropped significantly, and they are still unwilling to resolve this matter. Please if you can I would very much appreciate your help in resolving this matter.
LexisNexis is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Hi! I would like to know if there is a statute of limitations for the OCWEN Settlement ( XXXX XXXX XXXX ) since I was never notified by the law firm though I should have been notified and included in the class. Please let me know. I would love to hear from you. Best Regards, XXXX XXXX XXXX
I was a signer on a corporate credit card, ( American Express ), for a company that I worked for, however, I never signed or accepted any kind of personal guarantee. The company became insolvent and was dissolved by the state trustee. I have explained this to American Express and they refuse to remove this record from my personal credit. I have asked them to provide proof of the guarantor, which they have refused to provide. This incorrect reporting has cost me time, money and has negatively affected my profile for years.
XXXX time is stressful especially on a fixed income. I answered an advertisement to become XXXX, along with many other ad 's at that time. However, when I arrived home, I had a Priority mail parcel. it and there were instructions on how to evaluate a few stores, XXXX or XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the instructions, and correspondence. 

Anyway, there was a Cashier 's Check included with the instructions, so the next day I took it to my bank, because it needed to clear. Meanwhile XXXX XXXX, sign up supervisor had emailed me asking if I had completed my first assignment. I explained I read through the instructions and deposited the Cashier Check into my bank and was told they could n't cash it and needed to hold it until the funds cleared. I felt confident and waited. The check cleared and the funds became available, so I proceeded to carry out the assignment. 

About two days afterwards I received a notice, on my phone that my account was in a deficit and I received a letter showing the Cashier 's Check Fictitious. I alerted the bank and took documents to show what happened to the branch XXXX and called and revisited the branch on broward and XXXX. The branch manager was very nice, unlike the first manager who just dismissed me and did n't want to listen. Still I had no luck because I stayed int he bank for at least an hour on their phone waiting for the Fraud department to assist. I was disconnected and called XXXX XXXX XXXX and left a message to make some type of payment arrangement to avoid not being able to pay my rent. She was indifferent. The bank basically gave me the run around and kept referring me back to different departments. 

I closing, I feel Chase Bank, had some responsibility for holding the check and not seeing this check was fraudulent, because it is their business. I trusted that if they had to hold the Cashiers Check, that it was standard procedure. I 've never had a problem before. I was told some arrangement could be made by the managers and the fraud department, but no one has assisted me. The XXXX told me to lodge a complaint here and I also submitted a complaint to the FBI, Police and Scam guard. 

I feel as though they are somehow enabling such unfortunate events and not even acknowledging this a XXXX crime. Meanwhile, I may end up on the street.
Did not receive a written document explaining debt from XXXX. Was not notified in order to pay the debt. The account was closed and was not told there was a balance left and was not given the opportunity to settle the debt by phone or letter. 

Found out XX/XX/2017 from a collection agency. Once notified I called XXXX in XX/XX/2017 and asked to settle and pay the debt but was told the debt was already with the XXXX XXXX collection agency. I settled the debt with collections but now have the collection account still on my credit report. I need this removed as I was not given written document allowing me to settle the debt with XXXX. 

Please remove this collection account with XXXX XXXX. The original creditor is XXXX. 

Thank you
I am a customer at CITI Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Every 4- 5 months CITI offers a " bonus '' on your interest if you deposit {$25000.00} or more. They say they will pay the bonus 90 calendar days after the deposit. I have enrolled in this promotion several times. Each and every time they do NOT pay the bonus and I have to call and argue with them Often they can not even find the program, but eventually they have gotten paid after they do an " investigation. '' Earlier this year they offered another program XXXX ( see attached ) which I enrolled in and I deposited {$25000.00} on XXXX/XXXX/2016. After 90 days NO bonus was paid.It was supposed to be {$300.00}. After several calls another investigation was started and my request was denied ( see attached. ) I believe that many customers are being lured into this scheme and conveniently not being paid their bonus. The CITI office is : CITIBANK Client Service ATTN C.G.S. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX
I never had a contract with this company called PROCOLLECT. I sent a validation letter on XXXX / XXXX /2017.  I never received any type of validation in regards to my letter from this company.Procollect states that I owe them XXXX for an unpaid balance but they have yet to send any validation that I have a contract with this collection agency.. I also called on last week with a recorded phone call and they stated that they can settle the account for XXXX but that 's only valid for 48 hrs. Then they stated that we agreed on the settlement which I did n't, but because I called they said I agreed.
My XXXX/XXXX Visa  Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.