WillisBack/dataset-financial-user-claim huggingface dataset:
B ank of America m anipulated my balance by debiting and then reposting cashiers check, and then retroactively charged overdraft fees : I purchased a cashiers check on  XXXX / XXXX / XXXX  for {$1500.00} from a Maryland B ank Of American Branch an d {$1500.00} ( {$10.00} fee for cashiers check ) was debited from my account leaving me with a balance of  XXXX . On  XXXX / XXXX / XXXX , {$1500.00} was posted back to my account giving me a balance of over {$1600.00}. That night,  2   XXXX  transactions were drafted from my account for {$14.00} and {$18.00}. My account was still grossly positive. The next morning on  XXXX  I checked my account and the {$1500.00} which had been debited on  XXXX / XXXX / XXXX  and reposted to my account on  XXXX / XXXX / XXXX  had been retroactively debited back to  XXXX / XXXX / XXXX , and th e two   XXXX  transactions from  XXXX / XXXX / XXXX  were retroactively marked as overdrafts ( even though hours before they appeared to be cov ered ) the y and I was assessed fees totaling {$70.00}. Even though I was checking my balance, bank of  Americas manipulatio n of my balance did not allow for me to transfer additional money in time to cover drafts from my account, and I was penalized through overdraft fees.     Separately, On  XXXX / XXXX / XXXX  I contacted the  BOA Overdraft Collections Dep artment at  XXXX  to discuss multiple overdraft charges which had occurred as a result of scheduled payments being drafted to my account which had subsequently developed insufficient funds.   On  XXXX / XXXX / XXXX  there were  four overd raft item fees totaling {$150.00}. On  XXXX / XXXX / XXXX  there wer e four additional  {$35.00} overdraft fees totaling {$140.00}. On  XXXX / XXXX / XXXX , there was an overdraft fee of {$35.00}.   On  XXXX / XXXX / XXXX , my account balance was - {$450.00}. At approximately  XXXX   XXXX , I contacted customer service about consolidating or reducing the overdraft fees which totaled {$320.00} from the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX . I was connected with a representative in t he Overdraft Collections  Department who agreed to reduce the fees to a total of {$160.00}. I was told that the difference would be credited upon by account balance becoming positive. Upon the conclusion of our conversation I asked if there was a reference number for our conversation in case there was an issue. I was told that she would make notes in the system regarding our conversation.   On  XXXX / XXXX / XXXX , money was deposited into my account bringing my account balance to + {$1000.00} On  XXXX / XXXX / XXXX  I contacted  the Overdraft Collections Depar tment at  XXXX  to inquire as to why I had not been credited the difference from the reduced fee. I spoke with  XXXX   XXXX , the collection s manager. I was  told that they had no record of my agreement and that they could not help me as my account was no longer over-drafted.
XXXX offered to settle an account then refused when I didnt have a secondary phone #. Also RUDE and SARCASTIC Supervisor. I called Hunter Warfield regarding an alleged debt to ask if there was a possibility of removing from my credit report with full payment or settlement. The representative said that it can not be removed but she would certainly offer me a settlement of less than the full balance. When I asked what was the lowest amount she would accept she said there were some questions. I verified my name, address, and ONLY phone #. She asked for a secondary # to which I replied I did not have a home phone # and my place of employment didnt allow personal calls. She told me that without another phone # to put on the file she would not offer me a settlement. I told her I didnt understand that policy because I was prepared to close the account that day. She asked me for a friend of family members number and I asked why if she had a confirmed phone # for me. Calling a XXXX party when they have a good phone number for me would be an FDCPA violation. She said sorry. I asked to speak to a Supervisor. Supervisor got on the line and reiterated that they could settle the account. I said, Great! How much can you save me today to take care of it?? He said : I just need to updat the file with another phone #? I again told him that I only had XXXX number, that they had permission to call me on my cell manually but not by an auto dialer. I told himt here was no other # I could give him. He sarcastically said : When you pick up your cell phone and click on contacts you mean to tell me it 's empty?? I again asked why having a freinds phone # was so important and that having and using a XXXX party phone # would be an FDCPA violation. He said : " Fine pay the balance in full then. '' I asked him if it was normal practice to offer settlements to people who have XXXX phone # 's but not people with XXXX?? Doesnt that seem like discrimination? He said I can pay the balance in full if I do n't like it. We ended the call with me asking them to call back when they would like to offer me the settlement they first spoke of. He hung up. XXXX hour later the XXXX representative called me again and said : " what 's up with the account? '' Sarcastic and unprofessional. I asked if she was going to offer me the settlement figure and she said she needs a XXXX #. We ended the call the same way with me saying that I would gladly discuss with them when they were ready to call back and offer a settlement. 

I do not understand their arbitrary practices of offering a settlement not do I understand their need for an alternate phone # for a friend or family memeber when they have a good contact number for me.
I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was  XXXX  of   XXXX   XXXX   and we pay our bills even after he  XXXX . I have a Problem with  XXXX  and  Citic be cause I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from  XXXX ,  XXXX , and  XXXX . I have the files where I sent information. They sent  thousand of pag es of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  XXXX  also that I did not open up.  Pldease, I am  retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX   and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had  XXXX  card with my husband ove r 20 or 30 y ears ago and never was late.  I had Sears  and  XXXX   XXXX  cards and never was late either. Please investigate for me.    XXXX   sent over one hunder eds of papers with statements and none with my signature on it. Citi said I transferred money to a  XXXX  account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.
I called Resurgent Capital Services today ( XX/XX/2018 ) at XXXX. I called to request validation of the debt, and was told by the phone representative. That I have to send a request via mail or fax. She refused to take my request. I also asked her not to call my cell phone. She told me that I have to send that request in writing also. I asked to be transferred to her manger. She placed the call in hold, then hung up She tried to collect a debt without stating the MiniMiranda, She refused to validate the debt, she refused to add my cell phone number to her DO NOT CALL list. She was rude and hostile, and hung up on me. I consider her attitude toward me harassing
On XX/XX/XXXX I deposited a check in the amount of {$2400.00} into my Wells Fargo account though the ATM machine. On their website it states that a deposited check clears the next business day. However, that 's not what happen with my check, I was told and it shows on Wells Fargo site that my funds will be posted into my account on XX/XX/2016. 
This is a long time to hold on too someone 's money, especially when that someone has to pay bills before XX/XX/2016. I spoke to different people from Wells Fargo and was told different tells about why my check was placed on hold. But on their site it states that the money is being held because of the overdrawn chargers within the pass six months, which are only XXXX. The last one was only for {$6.00}. I suspect that is just away for them to hold on someone 's money. With the electronic transfers now a days things should be done a lot faster. I think there should be a class action lawsuit against Wells Fargo and any others banks that pull this type of garbage on their customers.
I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. XXXX Bless ....
Received several phone calls from phone number XXXX stating that I needed to " cooperate with '' the company by paying {$200.00} of the {$400.00} debt. Then, my social security direct deposit information was changed online. They requested that my payment be deposited to XXXX XXXX card. A fraud alert has been set with social security, but the payment to the XXXX XXXX card was never recovered by social security.
On XX/XX/18 someone between XXXX and XXXX completed 4 unauthorized ATM withdraws from Chase Bank in the amount of XXXX each. 
( {$800.00} [ {$810.00} w/fees ] ) On XX/XX/18 I filed a police report with officer XXXX XXXX of XXXX XXXX Police Department at XXXX. 
He asked Chase security for the footage so he could apprehend the thieves. They refused to provide the footage and my bank ( XXXXXXXX XXXX XXXX ) refuses to refund me the money without the video footage.
My experience with Bank of America has been the worst experience I could have ever had. I have been put down, ignored, forgotten, hung up on, yelled at and much more. XXXX XXXX and assistant ignore my many voice messages and calls put aside my faxed paperwork and hang up on me on an everytime basis. I do not appreciate the disrespect I have been shown expecially when I have shown courtesy and understanding. My wishes are NEVER granted just told they are completely unreasonable, when they are in fact below satisfactory. I have asked politely and calm to speak to a superior and I get transfered to a team member of penny 's. I do n't appreciate the neglect and the inconvenience that bank of America has shown me. I will never forget the horrible experience I have had. If any person asks about bank of America I will passionately advise them to not bank with them. I can assure you that after hearing my testimony as to why not to bank with them, they too will not be banking with Bank of America.
XXXX from wells fargo bank is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
On XX/XX/2018 a background check was conducted by First Advantage in the form of a First Advantage National criminal file search. In the background check it list one of my charges as quote XXXX threats with intent to XXXX  another. The actual charge should be XXXX threats with intent to XXXX another.
Years ago I applied for and received an XXXX XXXX XXXX branded credit card. When paperless statements were made available, I signed up. I always had at least 2 years of ELECTRONIC statements available to me. One day, XXXX CANCELS my XXXX XXXX card with NO WARNING and switches to Citi Visa. I have made XXXX requests on the Citibank site to retrieve my credit card statements from XXXX XXXX to XXXX XXXX. The website says the statements will be available in 48 hours. They are NOT. No email. No notice. It 's like my entire history of XXXX XXXX has been wiped away.
I had a loan with Speedy Cash and I paid it off in full on XXXX XXXX, 2015. The funds were always available in my account on the day of withdrawal. After the loan was paid off they then stated I owed a late fee of {$88.00} because my payments were not on time. Their system did not take the payments on time, the funds were always there. I called them and they said that it was going to go to the accounting department and they would get back to me. They did not get back to me but instead tried to deduct the funds from my account. At that point there were no funds in the account and I was charged an NSF of {$29.00} due to this. I called them again today and they stated that I owe it due to payments being late. I asked them how it was my fault their system did not take the payment on the due date? I was informed that I had to pay this late fee regardless. I told them I was not going to pay it and they were no longer authorized access to my account. I am sure tomorrow they will try again.
This company Ditech, LLC is reporting incorrect information. I have never had a account with this company. They reported to credit bureaus that there was a cancellation of debt for {$4900.00}. This is incorrect. 

I did have a loan with Greentree, LLC. So I do not know if this information was sold to Ditech, LLC. We do a short sale that closed in XXXX 2015. Greentree was paid and I paid them as agreed. I was never late. Ditech, LLC is reporting that were missed a payment in XXXX 2015 which the same month Greentree received a check for {$4900.00}. Which closed out the account. 

I need to speak with someone at this company who can help me.
My servicer Nelnet is taking any loan payment I make in excess of monthly accrued interest and applying it to the principal of the loan with the lowest interest rate ( lender friendly result ). I asked them to change this and they said I can not since I 'm on an IBR plan. This seems predatory to me.
On XXXX XXXX, I sold the business and real estate. The title company paid off the mortgage and loan, not sure of the date. On XXXX XXXX. Wells Fargo drafted a payment. They required the payment to be auto-draft, I had no choice. Since I didn't believe any more payments would be drafted I wrote checks on that account, they bounced and I incurred overdraft and bounced check fees. I called and emailed them to refund my money and they told me it could take up to 10 days. It has been 14 days and they still haven't refunded my money. I consider this theft. They should be required to refund all the fees I had to pay for bounced check fees as well as immediate refund of the money stolen. It should not be my responsibility to request them not draft as it was a requirement for the loan, it should be their responsibility. 

In addition they put forced placed insurance on my property without providing me a cost or any information about the insurance. When I paid off the mortgage almost two years later they charged me for the insurance, which they never got as far as I know. They never provided evidence or the costs until I paid off the loan. I agree they had a right to do it, but they should have given me the option to pay for it at the time and not change me without my knowledge almost two years later. I requested them give me a breakdown of the charges, but they still haven't done so. They sent me a list of supposed contacts about them requesting proof of insurance.
Entered into a disaster relief forbearance with lender under the XXXX XXXX disaster relief program as a result of Hurricane Irma.  As part of the program, credit report was to be suppressed and no negative information was to be reported to the credit bureaus. During the forbearance period, I paid off the loan in full including including all the deferred payments when I sold the house. Upon payoff of the loan, I was reported to the credit bureaus as being 180+ days past due. I had this loan since XX/XX/2004 and was never late. The lender has refused to fix the issue and has advised that regardless of being under a disaster relief forbearance, they suppressed the reporting during the forbearance but when I paid off the loan, I was out of the forbearance period and had to report me negatively to the credit bureau.
I have contacted XXXX XXXX and Experian multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Frankly an opinion formed by direct response from a lender- " Experian '' provided my FICA score. THEY- Experian outright lied to me if what I was advised is correct. Experian gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.
I bought a wedding ring XX/XX/2016 with a Promotional Cero interest for 24 months. I chose the automatic payment option of {$530.00} a month since I knew it was going to be fixed until the account is pay off. Two months back, I realized I was being charge interest rate since the loan started. Its more than {$1000.00}. I have make several attempts for the past 2 months by calling and talking to different representatives with no results. In fact, they told me that in XX/XX/XXXX they were going to reimbursed me the interest charges. Its XX/XX/XXXX and I am still in the same position I was 2 months ago. I called 2 days ago and I feel they are giving me the run around. I need your help please.
In XX/XX/XXXX, I ran my credit report through XXXX. 3 accounts were on my account that show date account opened and closed with no activity reported. The dates closed respectively are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, ell well over 10 years old. I called XXXX, was told to submit a dispute request and they would investigate the accounts. At the end of XX/XX/XXXX, I was notified XXXX  finished its investigation, but would not take the accounts off. Reason : due to Customer Dispute, the 10 years changes to most recent activity date ( my dispute ) and the accounts would stay on the report. First and foremost, these accounts were not mine primarily, they were joint accounts dating back to when I was married. Since being divorced over 10 years now, there is no reason it should stay on my report. It is reducing my credit score for no good reason and immediately needs to be removed.
I have been denied by over 160 rental applications. XXXX, XXXX and Equifax are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX XXXX and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
XXXX XXXX/ XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, XXXX & TransUnion to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks
Debit of phone bill was made via autopay for my small business. I closed my business and called XXXX XXXX XXXX to terminate my account. I called multiple numbers and spoke to multiple people telling them I wanted to close my account. XXXX XXXX XXXX kept billing me for several months after so I called my bank an revoked authorization. They continued to bill me and then sent me to collections. They collection agency continues to pursue this debt and I continue to dispute it multiple times. It has been close to 3 years now. The recently reported it for a 3rd or 4th time on my credit report. I am sick of having my credit report dinged every three months and then having to dispute it. Finally, I just paid the amount owed so they would go away and they filed against my credit report again after I paid.
Equifax claimed to offer to identify if my account had been comprimised in the recent hack, but it 's becoming widely suspected that the results of the inquiry are randomly generated, meaning they effectively lied to me about the state of my credit information.
XXXX XXXX XXXX XXXX sent me a letter on

XX/XX/2018 that states they will continue to damage my credit score and they may have the ability to sue me for the debt from XXXX XXXX if I attempt to pay or resolve the debt in various forms. The alleged debt total is for {$1700.00}.