WillisBack/dataset-financial-user-claim huggingface dataset:
A number of unauthorized debit charges were made to my account in violation of Banking disclosure guidelines jeopardizing my comings and goings in my day to day affairs, including my Credit standing.I contacted Customer service and put in a dispute on XXXX charges in the amount of {$39.00} each. I came in to a Bank branch to speak to someone and found a XXXX for that same amount along with an errant overdraft charge for $ XXXX.The Bank manager offered to remove the {$100.00} overdraft charge pending the completion of the dispute on the XXXX charges. I thought that my problem was solved. Upon a visit to another branch on XXXX/XXXX/15 I discovered that my account had been tapped again.I found that there had been another overdraft charge in the amount of {$70.00} despite the depending dispute investigations. I asked the Banking Representative to investigate my claims and she specified that she would notify the Assistant Branch manager and have him get back to me.I have previously made a complaint to the Consumer Financial Bureau concerning this bank.
I am receiving overdraft fees due to low funds, long pending times for refunds, and other overdraft fees. My bank account is in the negative and I am having issues making it positive due to compounding overdraft fees.
I have made  3 p ayments to the  Student Loan Servicer   Fedloans Servicing . I made a payment on  XXXX ,   XXXX   and  XXXX  electronically through my  Bill P ay on   XXXX  . The first and Third payments required me to contact them to locate the payment in some sort of file and have them apply it to my account. My account number is associated with this payment each and every time and the second payment I had no problems with. I 'd like to file this complain and have assistance in moving my loan to another service agency who knows how to handle electronic transactions.
On XX/XX/XXXX I called into the TransUnion credit bureau because my score with them is much lower than with XXXX  and XXXX. After comparing the reports to see what the differences were, I noticed that the TransUnion report stated one of the reasons for my score being lowered was length of credit history. I also noticed that they are missing an account that Ive had open and in good standing since 2006. The other two bureaus are accurately showing this account. When I called in to TransUnion, they told me that the creditor needs to report the account information and monthly updates and I would need to reach out to the creditor. On that same day ( XX/XX/XXXX ), I reached out to the creditor, who confirmed for me that they report to all 3 bureaus and that my account information was being sent to TransUnion. I called back to TransUnion on XX/XX/XXXX and spoke with a representative and their supervisor to try and get this situation resolved. I even offered to get on a 3 way call with the creditor to help resolve the issue. They offered ZERO help and even began to get belligerent as I pressed to come up with a solution. This is affecting my credit score and things I want to do in my life and for them to be so flippant is insulting and unacceptable.
Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.
XXXX XXXX has claimed I owe them for a fictitious debt for YEARS. Allied interstate is just XXXX in a long line of debt collection companies that XXXX XXXX has hired to act as their agent to continue this pattern of harassment. I have contacted Allied Interstate in writing and disputed the debt, They have not provided any source documentation as requested within the thirty days I allowed them to respond. Allied Interstate has continued to attempt to contact me by phone continuing this harassment, despite the fact they are unable to provide me with proof of this debt.
Please help me with Citibank in regards to my Home Depot account. I 've contacted Home Depot / Citibank several times regarding a XXXX 2015 late payment they reported to my credit bureau. I 've provided a detailed explanation to Citibank and asked them to remove the one late payment report from my credit bureau record due to my hardship which they refuse.to do citing FCRA requirements. I 'm a XXXX XXXX veteran had suffered recent tragedies which included the death of my young son, a XXXX by my mother and the loss of my job of 15 years. I made the XXXX 2015 payment late as it was an oversight given the events in my life at that time. I was never late with Home Depot payments before or after the XXXX 2015 payment, however, the negative impact to my FICO score related to Citibank/HD reporting me late has given me additional hardships because it has impaired my ability obtain financing from other lenders. I 'm not sure why Citibank refuses to assist a customer in need and not understand that sometimes terrible things happen to people and they as a lender should provide assistance instead of additional hardships and/or hurdles. I understand Citi/HD XXXX not feel there is a regulatory requirement to assist customers in need like me, however, I 'm hoping that with your help perhaps they can have some compassion.
There is an item listed which is past the statute and unverifiable and needs to be removed off of my personal credit file. Please help as I tried to resolve the issue and no outcome Account listed is XXXX XXXX XXXX
I have been in contact with CapitalOne since early XX/XX/XXXX. I have made numerous calls and sent numerous emails ( two calls occuring as recently as Friday, XX/XX/XXXX and Wedensday XX/XX/XXXX ). 

I had a dispute with XXXX an attorney and in my case a mediator/arbitrator. 
I authorized a charge to put in {$7500.00} in a trust account only because he thretened he was going to use this against me in deceiding custody. Mr. XXXX refuses to give me the money back in trust and continues to bill against it for emails etc. 

Here is what I responded to CapitalOne with : 1. Proof of Return/Cancellation - I do not have proof of cancellation because I was threatened that if I didnt put money in a trust it could adversely affect the custody of my four year old daughter. ( See testimony from my attorney and court documents Dqmotion.PDF pages 6-15 ). 
2. Proof of alternate payment - Disp Tran There was no alternate payment. Mr. XXXX would not allow me to pay on a payment plan. 
3. Copy of your sales receipt Attached. I requested a confirmation of the split, but never received it. This money was to be held in a trust and this Mediator/Arbitrator continues to bill me against. I have no idea of what I am being charged for at this point. ( see email exchange ) 4. Response to the Merchant`s Rebuttal - I dont know what he has as his response. Again he has used the custody of my daughter to force me to pay him. 
In addition I have issues with my bills. Mr. XXXX charged me with a search for a psychologist for my daughter and we ended up with the psychologist I suggested in the onset. He gave me a partial refund for me disputing ex-parte communications ( see below ), but refused to refund me for the entire bill. 
I have disputed them a couple of times. My attorney XXXX XXXX told Mr. XXXX in XX/XX/XXXX that I would no longer be able to afford his services however he would not put me on a payment plan ( see email below ). Mr. XXXX was told in XX/XX/XXXX ( see attachment XXXX XXXX XXXX ) I did not have the means to pay him, yet he again threatened to use nonpayment against me in custody dispute. 
There must be some consumer protection against this behavior. 
I have been a long time customer of Capital One. My expectation is I will have your support. Please have someone contact me ( XXXX XXXX XXXX. 
Thank you. 
CapitalOne Case number : XXXX
I am hoping that someone can bring resolution to my ongoing issue with my credit card company. I have a credit card through Capital One for over XXXX years now and despite numerous attempts to obtain a lower interest rate of 19.8 %, I was advised that they do not a reduced interest option for repayment. I spoke with a representative yesterday about being put on a payment plan to pay the card off and she advised me that Capital One does not offer this option and the rate stays the same as when the card was opened. Of a minimum payment of $ XXXX monthly, XXXX has been going to finance charges. I am wanting to pay the card off and hope that this bureau can help bring me some resolution
I reviewed my credit report and I see a collection SYND Office - XXXX General Hospital but no contact information a ZERO balance. The transaction was PAID and over 10 years ago.
Equifax continues to not reflect my XXXX mortgage with a balance, a payment and any payments made.
XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 Conn Credit Corp XX/XX/2017 - XX/XX/2017
This complaint is regarding the accounts XXXX   XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not XXXX.
Having a PayPal account that I use for XXXX etc ... with a XXXX visa card was removed and replaced with a Walmart master card that was not activated by me, when I called Walmart they would not give me an explanation on this matter of how the card was used or got into my computer without my consent and said the card did not have to be activated and that it was just for in store purchase, again I asked how did this get into my account with PayPal, no answer was provided. also contacted synchrony bank and PayPal with no results. After closing a account with Walmart about 3 months ago they still sent a new card which was not used by nor activated by me. Dates of use are XXXX to XXXX with a amount of {$600.00} and the reason I discovered this was declined payment on XXXX  purchases thru the holiday shopping and seen wall mart in place of XXXX visa.
my home was last transferred to Bayview. the last company was XXXX, and was in the process a loan mod. i sent them my documents and they still transferred my loan. i lost my job, business, and had nervous break down. i am now trying to work on a loan mod to save my home. i am better and have means of paying an affordable payment with the rightful for party
On XX/XX/XXXX, I submitted an investigation request to Experian and XXXX XXXX. They are supposed to respond with the results within 30 days, but they have not.
Hi my name is XXXX XXXX and i paid of my balance for wells fargo already cause i had a checking account with them before. I paid {$30.00} yestraday and the rest today. I was trying to open a new account but it was not letting me..
I had an XXXX Visa from Chase Credit Cards. last year I noticed I kept getting charged a late fee even though I was making my payment on time. I spoke with a Customer Service Representative ( CSR ) who explained they were in the right and I was in the wrong. I told them to cancel my account, which they did. I still had an outstanding balance so I continued to pay it down until it was within a reasonable amount before paying it off. On XX/XX/XXXX, I logged onto my account to make my XXXX payment when I noticed that I was charged a {$25.00} late fee on XX/XX/XXXX even though I had made the minimum payment of {$25.00} on XX/XX/XXXX. My online statement also showed that my payment was paid on XX/XX/XXXX. I called and spoke to a CSR who told me that if I had waited until XX/XX/XXXX, a late fee would not have been charged. I explained that this is why I cancelled my credit card in the first place because of these ridiculous and unethical business practices. He agreed to remove the {$25.00} late fee. I requested a confirmation number, but he stated they do not do that, but it would show up in my next statement. When I went to pay my XXXX payment, I saw a {$27.00} late fee charged on XX/XX/XXXX even though I paid my XXXX payment on XX/XX/XXXX, which shows on my statement. I called Chase again, and I spoke with another CSR who stated that it was my fault because I paid my XXXX payment on XX/XX/XXXX. I asked to speak to a manager, and the manager made a futile attempted to get the late fee waived and to reduce my minimum payment back to {$25.00} instead of {$54.00}. When the manager came back on the line she claimed that they were unable to take the late fee off or change my minimum payment back to {$25.00}, and told me I would continue to be charged a late fee if I did not pay {$54.00} by XX/XX/XXXX. I hung up on her at that point.
I keep getting calls from XXXX XXXX XXXX about a debt owed. I pay all my bills on time and do not owe anyone anything. I haven't called the company back as I looked online and people that did call where abused verbally. Also, from what I read online that did not stop the calls.
XX/XX/XXXX, i received a statement for credit card that I never opened. I went to XXXX XXXX to check my credit and there was an inquiry for a credit inquiry ( and an open account ) on my credit report for a Chase- Amazon Rewards Credit Card that was not requested by me. I called Chase immediately to have it removed and it was and also contacted the FTC to submit a complaint. We also contacted XXXX to enable a 90 Fraud Alert and tried to file a report with my local police and were told to report it on an FBI website at https : //www.ic3.gov/complaint/default.aspx. A month ( TO THE DAY ) later in XX/XX/XXXX we receive a denial letter for the same card, meaning there was another  inquiry, because my Fraud Alert was ignored by Chase. So I contacted Chase and the FTC again to get the inquiry removed. There was no more activity until XX/XX/XXXX. I once again, contacted Chase. I have been placing Fraud Alerts on my credit every 90 to the day and it is n't stopping anyone at this point. I ca n't get the 7 year protection placed on my credit due to my lack of police report ( my police wo n't deal with it since it is an internet crime ). More recently, I have signed up for XXXX XXXX and they are helping me contact chase every time in order to remove the credit inquires. Since XX/XX/XXXX There have been XXXX more Chase Amazon Reward Card inquires : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This has severely damaged my credit and made it incredibly difficult to start my life with my new wife. These fraudulant accounts and credit inquiries have made it difficult for me to financie my home and my new car.
failed to correctly apply payments to accounts, steered struggling borrower into paying more than was owed, hurt the credit of XXXX borrowers
i was injured on the job 1 year ago.got in touch with the company and explained my issue and they said they had a program to help me repay the debt. I just had a XXXX XXXX XXXX XXXX 2015 prior to the XXXX i i set up a hardship repayment program loan with elan fian co and after i made first payment as we agreed over the phone. i found they were still reporting me negative to the credit bureaus and then the original monthly payment amount changed and they could not validate/explain to me why. I have hired XXXX to help with the situation. i changed my phone number because they were calling and harrasing me 7 days a week well today they got my new number and are doing the same thing again. I cant recover from my XXXX XXXX and worry about this company trying to collect a debt that i did not agree to the new terms the changed without my consent please help me. Thank you XXXX XXXX XXXX
I opened my account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX. 

I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.
Hi i was suppose to receive a XXXX $ bonus for setting up direct deposit and doing at least 3 consecutive monthly direct deposits of {$500.00} or more within 150 days of account opening, it was suppose to come within 45 day but I still haven't received it can you help me with this please? Thanks. 

It was an online offer here is the link - XXXX XXXX XXXXXXXX These were the terms Here 's how to qualify for your {$200.00} bonus : 1. Open an Everyday Checking account online ( from this webpage only ) by XX/XX/2018. 

2. Make a minimum opening deposit of {$25.00} to fund your account.

3. Set up Direct Deposit and receive at least 3 consecutive monthly direct deposits of {$500.00} into your new account within 150 days. 

We will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met.
A few weeks ago I checked my credit report and noticed a collection placement for Professional placements for  XXXX   XXXX  for {$160.00} I never received a collection letter from them, as far as I was aware it was with another collection agency State collections who closed their account and removed it from the credit reporting agencies I have sent  XXXX  letters to Professional placements, via fax and Certified mail both have gone ignored. I have also. disputed said account with the credit reporting agencies.   XXXX    deleted, however  XXXX  and  XXXX  both verified.     They are in violation of Fair Debt Collection act and I wish for them to remove the entry on   XXXX   and  XXXX . I do have copies of all communication sent
I XXXX XXXX purchased a XXXX XXXX XXXX. On XX/XX/XXXX I financed it through XXXX XXXX I made all payments on time. On XX/XX/XXXX I refinanced this loan with Bank of America. Made all Payments on time.In early XX/XX/XXXX, My car was stolen and then recovered. It was a total loss, I continued making payments though out this process. The payoff check from the insurance was processed XXXX XXXX. Which left a balance of XXXX on the acc. 
After this I heard nothing from BOA and could access the current Balance on my Online mobile banking. So XXXX 's Payment went though, XXXX 's payment went though, and XXXX 's payment went through. My Payment Date for this loan is XXXX of each month. So then on XXXX XXXX I get a notification that a Charge off was placed on my Credit files with all Three Bureaus from BOA. Stating that {$210.00} was charged off??? and isn't due till XXXX XXXX which would be my last payment. This is crazy I Made all Payments. 
I Spoke with XXXX XXXX and she was not helpful, and for a week I got no repose. Then they fabricated a whole Story about how i was suppose to Pay off that Balance of {$850.00} with in 60days, then they said i had no GAP which I do.. when I said had " no notice '' of this arbitrary 60 policy, she stated they wouldn't remove it. Even though they were auto-debting the acc every month. Bank Of america is blatantly trying to save face and not fixing this false Charge off. I am inclosing a full payment history which shows on time payments. I had to get a print out from the a bank Employee because they where told not to give to it to me, But Lucky there own employee saw how wrong they where treating me and printed it off for me anyway.The cover up of this false Charge OFF is sicking!! ACC of this loan as it was deleted off my online Banking for this reason. But i have the evidence. My Previous Credit Score Was XXXX This Damaged my Score over 75 points. All of this for no reason!! And they refuse to fix it. 
And also the XXXX XXXX Lady had the audacity to try and collect the {$210.00} that never should of been charged off in the first and still not fix the charge off on my credit!!!! I will Pursue legal Action If this isn't fixed. And to think all these idiots had to do was wait till the auto-debt on the XXXX of XXXX the payment would be done!!! even on the credit report the BOA states Charge Off Never Late How smart is that? Again This XXXX lady couldn't answer why the charge off was placed on my acc even though they still where getting payment.
I have been sent an email from my employer that I have a Writ of Garnishment on my wages. I printed out the information and it does not or have I ever been notified what credit card debt this is from. I thought I needed to be sued first before having my wages garnished. I did not receive a summons of the suit and therefore could not represent myself to defend this issue. The issuing court was the state of Connecticut XXXX court. XXXX ID : XXXX. The debt collector is Solomon and Solomon, PC XXXX XXXX XXXX XXXX XXXX XXXX.Phone number XXXX XXXX XXXX XXXX is the Marshall from the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number : XXXX. The only debt that was in collection was XXXX XXXX for {$5600.00} and that has been over 7 years which is the statue of limitation since XXXX of the credit reporting agency 's dropped it off my credit report thru XXXX XXXX. That debt started back in 2008. The amount they are garnishing from my paycheck is {$7500.00} Have not been contacted before this happened.
I have a collection account listed on my credit reports by a debt collection agency XXXX XXXX. XXXX XXXX failed to validate and provide proof that they own this debt. Therefore i am disputing this account and would like it removed from my credit reports.
Unfortunately Bank of America does not care about their customers! I contacted customer service today because they sent me the wrong debit card. I ordered the XXXX White Sox affinity debit card, and selected it online when I opened my account. The customer service rep XXXX fixed it to the white sox card and when I asked him to overnight me a new card he said there would be a {$15.00} fee, I asked him to waive it since it was Bank of America 's fault, he refused. I asked him to explain the situation to his supervisor and see if she could waive the fee. He came back and said his supervisor XXXX XXXX denied the request, refused to give me her first name or either of their employee ID numbers. Completely unacceptable! I guess this is how Bank of America treats their customers! Now I have to wait 5-7 days before I can have access to my money, and they wo n't take care of a customer over {$15.00}??? TERRIBLE BANK! I am thinking of switching and going elsewhere, why should I stay with a bank that is n't there for their customers?? I would like to have a {$15.00} credit placed in my checking account since I ca n't access my funds for 5 -7 days I think that 's fair. I have already posted social media as well and will be writing a personal email to the CEO and VP of Bank of America on how terrible their customer service department is. That supervisor XXXX XXXX should immediately be terminated for allowing this type of behavior be be conducted by her associates.
EXPERIAN IS REPORTING INCORRECT INFORMATION! THEY ARE REPORTING I AM NOT MAKING PAYMENTS ON TIME AND I HAVE BAD PAYMENT HISTORY!