WillisBack/dataset-financial-user-claim huggingface dataset:
I opted out of overdraft coverage and have been told that no items would go through and charge me overdraft fees. I was charged XXXX over draft fees this month due to Regions Bank allowing me to overdraft my account. I called and found out that they can only refund {$18.00} of the overdraft fees. It seems to me that they want me to keep over drafting to pad their fee income. I would told that my line of credit I have with The bank that if I did overdraft it would pull from my line of credit, I was lied two about both of these items. I believe CFPB should look into Regions Bank handling of overdraft fees, specially why they allow for these lies to happen. Please help, XXXX over draft fees to the bank is nothing but for me on a fixed income it means the difference of my car being paid.
Even though we missed a payment in XXXX we have worked our way back to paying by the month. The mortgage company has indicated of foreclosure because the representative is complaining we haven't paid by the XXXX of the month. We told the representative it would be paid by the end of the month. As I mentioned we pay by the month. I am XXXX and unable to work and get paid on certain days and that can't be changed. Now the company Ditech has hired a 3rd party agency who drops off a blank envelope to hang on my door. Ditch had done this to us before and we have warned them not to do this. Number 1 it is illegal and harassing by law for a 3rd party to deliver more than once. Number 2 leaving something hang on the door attracts thieves to a person gone from the premises. I've sent a warning to Ditech to share with this agency that he will be arrested by the Sheriffs Office for harassment. Our payment record will show we often pay more than required to offset the escrow from the loan. This action against a U.S. citizen with XXXX is inappropriate and shows you where we are as a society.
This company National Management Recovery Corp, ( www.nationalrecovery.net ) has been calling my office leaving messages on the general voice mail for all employees to hear, stating I am being investigated for fraud and to call them back? 
I sent XXXX certified letters to this company because there is XXXX address listed. Stating to send me in writing the debt and amount owed? Still this has not been done, they just call my office which I stated in the letter Can not be called, as my job will be at risk for these false accusations. 
I need help from someone to fight this illegal company? The number that they called from now is a VOIP number : XXXX there website list a different number. I am in a credit consolidation program and all creditors are being paid and addressed. This company will not tell me what the debt is or call me on my personal phone, only my office phone? 
I have done everything legally possible to find out what the debt is and to stop them from calling my place of business.
Bank of America acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. Back of America made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by Bank of America and should not be on my credit report. This is an extremely systematic and unfair reporting practice.
Regarding account number XXXX My identity was stolen and was acquired, and or purchased by CASTLE CREDIT CO HOLDINGS LLC D/B/A CASTLE CREDIT. 
who is now sending me dunning letters and posing as a creditor demanding payment on an alleged debt.
On XXXX XXXX I began correspondence with XXXX XXXX   XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to try and reconcile a defaulted student loan that was in collection with wage garnishment. The contract was for {$1100.00} to be paid over 3 months all the while wages were still being tarnished. Also, to finalize this contract I had to provide XXXX XXXX XXXX  with my log in information for the US Dept of Ed. By the end of XXXX I still had not heard from XXXX XXXX XXXX  and further action they would be taking on my behalf and my wages were still being tarnished. Finally on XX/XX/XXXX I received an email from XXXX XXXX requesting extensive personal information. It was at this point I began questioning the validity of the company because w the requested information along with my US Dept of Ed log in information this company would have adsolutely all my personal information. I was very uneasy with this so I requested a refund for the {$1100.00} since XXXX XXXX XXXX has taken no action and my wage garnishment was still continuing. I spoke with XXXX XXXX from XXXX XXXX XXXX  in XX/XX/XXXX and he denied my request for a refund. After numerous phone calls back and forth I was told by XXXX that I would be receiving a check in the mail in 5-7 business days. After the 7 business days I had still not received a check so I called XXXX XXXX back and was told I would not be getting a refund. He stated I would have to have my bank call and disput the charges. When my bank called and spoke ton XXXX XXXX he told them they would have to do a charge back. This was not possible for my bank to do since these transactions no longer qualified for a charge back. At this point XXXX XXXX refused to work with me any further. All I would like is a refund of my money collected for services that were never provided.
I believe this is credit card debt. This is 1 of 2 accounts they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
In XX/XX/XXXX I contacted BBVA Compass Bank regarding my HELOC. I advised that due to several factors ; loss of a job, extended unemployment and closing of a business, I could no longer afford to pay my normal payment. I was able to put 2 payments to the end of my loan and apply for a modification to address ongoing payments. On XX/XX/XXXX I submitted a Borrower Assistance Package and asked for a temporary modification. Over the course of approximately 2 months I provided all additional requested documentation and waited for what I hoped would be a positive outcome. On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX that my request for a modification was declined because the underwriter felt I could afford my regular payment. I also confirmed this via telephone conversation. The information provided showed that my average gross monthly income was approximately {$5000.00} and that my estimated expenses were {$5500.00} not including food, utilities and medical expenses. I have seen a lot of loans in my career and this does not equate to anything a lender would approve. My debt-to-income is over 100 % based on these # 's. I do n't believe the underwriter gave my request fair and accurate assessment. Interesting that as part of the declination letter they gave me options to add to my loan balance to increase my payoff later or to increase my monthly payment higher than what I was looking to obtain relief from. In the mortgage business I have seen dozens of borrowers who were in much better financial ( income ) than I am and have obtained for lenders who were interested in helping customers who had a long record of on-time payments. This is the only time in my entire life that I have been faced with this financial crisis. This was not due to financial mismanagement but due to unforeseen life occurrences ( laid off from job, unemployment and failure of a business ). I believe their approach is to deny modifications to build up amounts due on homes that have some equity, knowing they will get more funds later or to keep loans that pay a higher rate to accumulate interest. My rate was already high at 6.25 % and they have now raised the rate on my mortgage to 18 %. My balance has gone from approximately {$97000.00} to almost {$100000.00} in just 3 short months. How can this be legal and how can this be the alternative to a justified modification? I am asking for assistance to mediate this request for a modification and to determine whether their process, increased interest rate and declination was legal.
I 've been trying to get a line on credit started to get my score up and soon buy a home. I do work ful time and gave a part time business, just want to build my credit up!
Called the bank 's customer service on XX/XX/2017 and confirm eligibility for the {$200.00} new account promotion. I opened this account that same day with the {$25.00} requirement and met the other requirement of having {$300.00} direct deposit on XX/XX/XXXX. The promotion stated the following " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above ''. It has been over 60 days. 

I have called multiple times and messaged the bank on my online account. Never received a reply on the online messenger and kept getting transferred when calling because none of the representatives could give me a clear answer or solution about this issue.
I had a vehicle loan serviced by GM Financial on or about XX/XX/XXXX and made timely payments when I had a full time job until I fell behind due to having a lower paying job. I called GM Financial in XX/XX/XXXX and advised them that I wanted to do a voluntary surrender. They asked for where the vehicle was parked and I gave them the information. They did n't ask me to return the vehicle to any location ; instead they said they were going to pick it up, which they did. Instead of reporting on my credit report that this was a voluntary surrender, GM Financial has reported that this was a repossession. All am asking is that they report accurately on my credit that this was a voluntary surrender. If they had asked me to drive the vehicle to a location and hand it over, I would have done so, but they did n't.
I sent a certified letter to Equifax XX/XX/XXXX asking them to send verification of a negative account that is reporting on my report. XXXX XXXX XXXX : Original creditor- XXXX XXXX Amount {$350.00}. They just sent a letter back stating it was " verified that this belongs to you '' But NEVER sent how it was verified. This is direct violation of the FCRA. 
I also sent a certified letter to XXXX XX/XX/XXXX ( report # XXXX for XX/XX/XXXX ) asking them to send verification of a negative account that is reporting on my report. XXXX XXXX : Original creditor : XXXX XXXX XXXX. They only sent a reply that this account has been verified and that they will NOT reinvestigate. They NEVER sent information on how it was verified.
I applied to PNC Mortgage earlier this year to refinance my home mortgage and pay off my student loans. The bank, which holds my current mortgage, received my income data in the first few weeks of what turned out to be a five month-plus review process. It misleadingly encouraged me to proceed with the process, which cost me more than {$1000.00} in appraisal and other administrative costs, telling me repeatedly I had been " conditionally approved. '' The bank made unreasonable and continually changing documentation demands on me and then rejected my application. I disputed the the bank 's decision and especially the way it made it. About a month ago, I requested a refund of {$790.00} I spent on the loan review process. The bank has not responded to my request. I have attached to this complaint XXXX recent e-mail chains between me and PNC Mortgage officials : the first describing why I opposed the decision, and the second making the case for the requested refund.
XX/XX/XXXX, WE HAD A FAMILY MEDICAL HARDSHIP, WHEREIN THE COST OF TRAVEL AND ACCOMODATIONS CONSUMED OUR CASH AND OTHER RESOURCES. WE CONTACTED OUR MORTGAGE COMPANY AND INFORMED THEM.WE WERE TOLD BY OCWEN LOAN SERVICING IN XX/XX/XXXX WHEN WE TRIED TO SEND IN PAYMENTS THAT WE SHOULD APPLY TO THE HOME AFFORDABLE MODIFICATION PROGRAM ( HAMP ). WE HAVE SENT NUMEROUS DOCUMENTS OVER THE PAST 4 YEARS. WE HAVE BEEN TOLD NOT TO WORRY BECAUSE THEY SAW THAT WE HAD ENOUGH PENSION AND RETREMENT AND SOCIAL SECURITY INCOME TO MAKE OUR MONTHLY OBLIGATION. WE SENT IN DOCTOR FORMS TO DOCUMENT THE MEDICAL EMERGENCY THAT DRAINED OUR FINANCIAL RESOURCES DURING XX/XX/XXXX -XX/XX/XXXX.RECENTLY WE WERE TOLD THAT OUR MODIFICATION APPLICATION WAS DENIED BECAUSE THE NOTE HAD A MATURITY DATE OF XX/XX/XXXX. WE HAD BEEN IN COMMUNICATION EVERY MONTH FOR THE LAST 4 YEARS. NOW THEY DROP THIS BOMB ABOUT PAYMENT IN FULL OR FORECLOSURE. THE TAX ASSESSED VALUE OF OUR HOME IS {$130000.00} ON A {$60000.00} MORTGAGE THAT THEY HAVE ASSESSED LATE FEES TOTALING {$30000.00}. 
UPON RECENT FACT FINDING SEARCHES, WE HAVE FOUND OUT THAT OCWEN LOAN SERVIVING OF XXXX XXXX XXXX, XXXX WAS UNDER INVESTIGATION BY THE XXXX STATE ATTORNEY GENERAL OFFICE AND WAS ORDERED TO PAY XXXX HOMEOWNERS FOR IMPROPRITIES. 
WE BELIEVE THAT OCWEN HAD NO INTENTIONS TO REFINANCE OR ACT IN GOOD FAITH. THEY LED US TO BELIEVE THATWE HAD NO PROBLEMS AND THAT IT TOOK A CONSIDRABLE AMOUNT OF TIME TO GET REFINANCING TOGETHER. DURING THE 4 YEARS, WE HAVE DEALT WITH XXXX FINANCIAL RESOLUTION MANAGERS, WHO HAVE REQUIRED US TO SEND UPDATED DUPLICATE INFORMATION, WHICH WE DID PROMPTLY. WITH EACH FINANCIAL MANAGER WE WERE LEAD TO BELIEVE THAT WE WERE GETTING CLOSER TO THE MODIFICATION, WHEN THE HOLD TIME THEY WERE DELAYING US.
I discovered I had XXXX bills on my credit report. Suspiciously, both for exactly the same amount, XXXX. The company listed was E.R.C., so of course that meant nothing to me. Through diligent efforts, I found the bill was from sprint, which I had no bill sent to me, since the final bill about 5 years ago.
During XXXX XXXX my wife experienced several XXXX and I spent more tie in the hospital than home. Also, please keep in mind I pay my bills on time every month using my bill pay program through the XXXX XXXX XXXX. During this time apparently Best Buy transferred all financial dealings to Cti Financial/Citibank XXXX. When they did the account transfer I found out it only included my address, no email information or telephone number. Without being advised when I purchased the stove from Best Buiy the financing was for 18 months only and if the loan was not paid the financing was redone including all the interest not collected and increased my monthly payment from {$33.00} to {$45.00} monthly. 
I received a mailed notice from CTI that I amd late with my payments. I call in and told my account was fine and I never missed a payment so forget about The next month I receive another notice saying that I owe {$270.00} in late charges because I did n't make the complete payment. It is at this time I found out about the refinancing. My argument is that you NEVER notified me so please eliminate the late charges. It is then I am told things like I am stupid and delinquent on my payments. I asked for a supervisor and am told that they can not hear me and to all back never to get the same person etc. 
I was told that I am on email billing and that I signed to do such which I would never do because of confsion such as this. 
I then receive a letter from Citibank/USA dated XXXX XXXX, XXXX. They are willing to save up to XXXX and let me pay off the financing for {$1000.00}. Quite pleased with the offer as it me back to square XXXX and eliminate the XXXX in late charges and the refinancing scheme that they applied. I called and told the agent we wanted to pay the refinanced amount they offered, The agent said " just how will you pay this off? I told the that I felt it was none of their business but the money will be sent immediately. I was then told that the ofer is off as I can not tell them where I am going to get the money. Once again I asked to speak a supervisor and told that one will call back within 24 hours and it has never happened.
XX/XX/2018,,, Continuting, Important Imformation About These Matters,, ( Wells Fargo Bank ),,, Have Not Fixed Any Of The Problems,, This is So UnAcceptable,, ( Previous ) Matters, And, Future Matters,, Have Not Received Any Settlement Payments Yet,, This So Overrated,,!!!
I received an email from Citi cards on XXXX/XXXX/17 that there was an activity on my account. I read the email and it stated there was an increase request. I did not apply for an increase. So immediately called card member services and they were closed. I asked my wife to log in at home to see what 's going on, because I was at work. My wife spoke a representative via chat and also emailed customer service. We advised in chat format ( writing ) not to process the increase request, and to document the account this was unauthorized.
I 'll give a little background, we recently moved and sold our house and our mail is forward, with that being said we have not been getting all our mails, and or address has been updated through the postal office with addresses that we do n't reside at. We put a block on our credit report because of this. My wife working in the XXXX XXXX XXXX XXXX and me being XXXX XXXX. We are disgusted the CITIBANK will think that we will apply for an increase and then before the decision decide to lie and make up that 's it fraudulent.
I called and spoke with customer service on XXXX/XXXX/17 and was advised '' there is no way an increase request can be submitted frequently, because the system asks for the last 3 codes the back of the card. So I logged and we tried with out submitting the submit button and it NEVER ask for any pin or codes. So I decided to contact customer service again, and ask to speak with a manager. The manger tells me that that they will have a 3rd party person do a research request to find out if someone logged in manually or it was do n't automatically through the saved logged in feature. This makes me believe that CITIBANK already has made there mind up that this is not unauthorized inquiry and puts me in a pool with everyone who disputes this. I asked for a new credit card to be submitted because I 'm currently staying with extended family while my home is being built and I do n't know if someone has or have access to account information. I have my log information for all accounts stored in closet. I will not make accusations but I have no proof.
.I 'm asking for someone over CUSTOMER SERVICE to look into this matter. I 'm requesting for this unauthorized inquiry to be removed please and someone who is bot bias to review this matter
My account balance with  XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  and  converted to a Chapter  XXXX   XXXX  filed  XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
I was giving a check from my brother in law. He wanted me to deposit the check into my account. Since i know he does n't have any deposit account. Before I cash the check, i went to the person that wrote the check and make sure it was n't a fake check. Everything was good. I deposit the check into the ATM. My brother in-law sign the check, since its under his name. I did n't. A few days later i notice my account has been closed. First they accused me of FRAUD. When its not true. The check is 100 % legal. After a few days of investigation. They say they closed it due to me not signing the check as well. The owner of the check went to chase branch to face them that its okay for me to cash the check. I was n't aware i had to sign the check as well. I thought im already giving permission by depositing the check into my account. I very honorable lady. I asked them if they could give me the check back and i will sign it. I was n't aware of the signature. Im sorry of my .mistake but i did n't know i had to sign the check as well. Please help me. Im searching on possible ways to resolve this problem. im not a delinquent. That 's why im doing everything i have to do to clear my name.
My student loans with FedLoan Servicing were in Forbearance XXXX and XXXX. I have uploaded those documents.
My dad was the victim of fraud on his Bank of America card. I tried and he tried for literal XXXX hours to get through to them. XXXX they put my dad on hold when he gave permission for them to talk to me. Then I was on hold for the same amount of time to talk to them. Once I got on they started quizzing me about details on his account. Nobody told either of us that I would need to provide this kind of information. After XXXX minutes of being quizzed and put on hold I asked to talk to a supervisor. I waited another XXXX minutes to talk to the supervisor who asked me none of the questions the XXXX fraud department person did. I told the supervisor that their customer service was TERRIBLE. Then after I told him that these unscrupulous mints had put over {$25000.00} of charges on my dad 's account, he told me at first that they would take care of it. Then he said since my dad had made a payment on the charges in the past, they might not be able to call it fraud. I told him that these salesmen were calling him at XXXX XXXX, lying to him about the value of the coins, telling him they could help him make a lot of money on coins that are virtually worthless, bullying him, threatening him and asking for his bank account information. I then said that if they did n't take care of this we would hire a lawyer and sue them. These fake mints have been sued over and over for lying to customers and misrepresenting their products. So I asked him why Bank of America was letting charges from these companies, in these amounts especially, go through without scrutiny.