WillisBack/dataset-financial-user-claim huggingface dataset:
On Sunday XX/XX/XXXX I incurred a restaurant charge on my debit card for {$61.00}. I at the time had an outstanding balance in excess of {$200.00}. This item was listed immediately as a pending charge. On Tuesday XX/XX/XXXX I submitted a return for a purchase that was credited {$22.00} to my debit card from where I returned an item. This credit did not show until XX/XX/XXXX. I also purchased an item for {$8.00}. Again I had an outstanding balance of at least {$200.00}. This item also showed up immediately as pending. On XX/XX/XXXX I had a utility payment to hit my checking account in the amount of {$210.00}, leaving my balance of approximately {$7.00}. It was at this time that the debit charge from XX/XX/XXXX & XX/XX/XXXX were applied incurring XXXX overdraft fees in the amount of {$36.00} each. Due to the holiday a pension check was delayed by a day causing my funds shortage. My issue with SunTrust bank is they debited the largest amount first causing me to have XXXX overdraft fees as opposed to a single overdraft fee for the utility payment. This is not the first instance of SunTrust Bank manipulating the check register to pad fees from my account.
COMPANY FILED LAW SUIT AGAINST ME WITHOUT ME BEING SERVED, AND DOCUMENTATION WAS SAID TO BE DELIVERED IN PERSON TO ME BUT I WAS IN XXXX.I HAVE EVIDENCE I WAS IN XXXX.COMPANY SAYS THERE A COLLECTION COMPANY BUT USES LAW FIRM ADDRESS.COMPANY IS TRYING TO ASK FOR MORE THAN OWED.COMPANY USED DECEPTIVE ACTIONS TO GET A JUDGEMENT IN THE RENEWAL OF THIS CASE.
A charge in the amount of {$310.00} happened on X/XX/17 on my Amazon Chase card. I agreed to pay the merchant {$60.00} US dollars not {$310.00} dollars for a silver bracelet in XXXX. The clerk performed the rate conversion in front of me ( twice ) and assured me the price charged would be {$60.00}. There was a miscommunication between the clerk and the cashier. I was charged a different amount than what was agreed upon. The cashier swiped my card for a different amount than what the item cost, which is incorrect. I filed a dispute within a few days of the transaction and issued a temporary credit which was later reversed. The merchant submitted a receipt to Chase with the incorrect amount on it. I have tried to speak with various people in the Chase dispute department. The last person that I spoke to was the Credit dispute Manager on X/XX/17. The Credit Dispute Manager was not able to provide me the merchants phone number, website, description of the item purchased and the address of this merchant. She claimed to not have that information on file. The receipt the merchant provided as evidence also does not have that information. I mentioned to the Customer Dispute manager that I would like to contact the merchant and ship back the bracelet for a possible refund. Chase has denied my initial claim due to receiving the merchants receipt and me not having any other evidence to submit. The only thing the Customer Dispute manager told me to do was to send another letter to re-dispute this outcome of this investigation. They would also not state if they even had an appeal process, so I just mailed them a certified letter opposing their decision.
On XX/XX/XXXX, we got a mortgage for {$530000.00} on a fixer upper house, and now that work is done the house is appraised at {$730000.00}, according to a XX/XX/XXXX appraisal that was ordered by Movement mortgage, paid for by a {$420.00} check that I wrote to Movement ( appraisal cover page attached ). Our current principle balance on this house as of XX/XX/XXXX is {$530000.00}. In a letter dated XX/XX/XXXX, sent to me by movement mortgage, I was told that I could apply for a two year seasoning waiver if substantial work was done on my property, which it was. This letter can be seen in the attached document. Despite me jumping through all the hoops to get this PMI removed, Movement still wants to charge me the $ XXXX/month for PMI. This can be seen in the attached letter dated XX/XX/XXXX. I have made multiple attempts to get it removed Movement still wants to scam me out of nearly {$150.00} A month for mortgage insurance I don't need. It is even more insulting that in addition to the $ XXXX/month that I am paying, I also had to pay {$420.00} for an appraisal that up to this point has been completely useless. My LTV is 73 % so there is no reason I should have this extra expense besides the incompetency of Movement. Every day this goes on is {$5.00} out of my pocket, which is why it has been so frustrating that Movement refuses to do the right, correct, thing with this.
Portfolio Recovery Associates, LLC has  been harassing me and my family since  XXXX   2014. Th eir employees went as far as to call out my social security number without even confirming if I was the actual person they were looking for. Even my bank account information was disclosed in certain phone calls. Several employees threatened me with coming to my place of employment and arresting me, if I did not pay the amount they demanded. Also, certain threats were about withholding money from my bank account and sending me to jail, not releasing me until the full amount they demanded was paid in full. From this ordeal, I have absolute no knowledge about what account they keep calling and threatening me about . One threat d id happen, that company put that unknown account on my credit report and now it has impacted  me credit score neg atively. I believe my information was sold or stolen somehow.
I have registered a new credit card of Amex XXXX XXXX XX/XX/XXXX. 
There was an offer which is a sign-up bonus of XXXX XXXX points after spending {$3000.00}. 
I had spent over {$3000.00} XX/XX/XXXX then paid off when I got a billing statement. 
After spending over {$3000.00} they, Amex, has not given the XXXX bonus yet. 
I have tried to figure it out 4 times with chatting and calling but they only said that your case is investigating. They gave me a time frame of 6wks and 8wks to be completed but it is still expanding forever. It seems like they do n't want to give the bonus and are willing to be a thief in XX/XX/XXXXnow. I know many people who made Amex XXXX card at the offer period and they have not received the bonus as well.
XXXX a company consumer reporting agency located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has false information reporting thereto third parties such as XXXX XXXX and other agencies whom stated that they found negative reporting and could not fund our loan. This information is unknown and is falsely reported. I have never heard of XXXX until XX/XX/XXXX. They had my birthday ten years older than what i am and one day removed from my original birth date. Something is very strange with this information they posted. XXXX XXXX denied us after we went over the information due to some unknown issues newly found. XXXX and XXXX XXXX working together. XXXX { XXXX  } has been harassing us since they alleged to have acquired a loan from the FDIC on XX/XX/XXXX. At the same time i, was battling to regain my investment with XXXX XXXX XXXX XXXX so that is how this began.
I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I contacted this company by mail on XX/XX/2016 asking them to provide documentation with my signature validating that this is indeed my debt. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. I reached back out to the credit bureaus and they instructed me to file a complaint with you all since the creditor will not respond to my communications, and is continuing to negatively report me to the credit bureaus with no documented proof. Attached is the letter that I sent over to them.
on XXXX/XXXX/2016 I filed a dispute with Equifax credit reporting agency over an item XXXX company inaccurately reporting on my credit report and I asked that the item be removed if the company is not going accurately report it. that was not done in fact the company did not respond at all and in fact Equifax gave them an extra week to respond and instead of following my request Equifax decided to update it on their own and not remove it as requested. the law states that if the creditor does not respond in allotted time which is 30 days and 21 days in Maine the item shall be removed from the credit report. Equifax did not do that, when I called and confronted them about the error they looked over my account and refused to remove the item saying they updated instead. which by law they can not do, they have to follow the law.
XXXX   XXXX   XXXX   /Ocwen (   XXXX   XXXX   XXXX   XXXX   XXXX   ) an nounced back in   XX/XX/XXXX /  XX/XX/XXXX  that  my house would be getting foreclosed and I had to leave premises. There was an auction on my front lawn. I was told after to leave and I did. Later I received a  XXXX  validating the foreclosure and  seizure of   said home. Also calls directly from ban k I no l onger owned home. I then started receiving calls from police and neighbors of drug activity and other criminal activity at house. as well as calls from board of health. I kindly stated I no longer owned house. this went on for over a year. finally I was notified a   XXXX   XXXX     XXXX  offender was squatting at the home and I could be held liable. Then I went to registry and noticed something wrong with deed. Only to find out there was an " illegal foreclosure ''. The registry was ambiguous at best with fake and faulty assignments. the bank without notifying me unforeclosed, when they realized they did the foreclosure illegally. but by this time I had already moved. TO THE POINT A   XXXX   XXXX   REGISTERED AS LIVING THERE! I removed   XXXX   XXXX   and secured the house through out the years spending a great deal of monies. The bank started sending me bills as if there was never a foreclosure and I lived there the whole time. I tried to explain how unfair it was to have me vacate, tell me I do n't own it, send me tax certs saying I do not own it. I was only a few months behind originally when it was foreclosed. then years later. say I own it. and now I owe all the money plus fees etc. I tried to explain how this makes no sense. if you took  it ( foreclosed ) legal ly and I was only 3 months late. How can you tell me years later, Oh we made a mistake and you owe all mortgages since the beginning? So the original bank, was   XXXX   XXXX   XXXX   contacting me and now ocwen.
Have been working with a housing counselor for a modification since XXXX of 2015 to get a modification through OCWEN. Although all the paperwork was submitted, OCWEN always came back with new things that needed to be submitted. I have given them everything they have been asking for. The final submission was in XXXX of 2015, I was told that I didnt qualify for HAMP but yes for an internal program, just send in the non borrower consent form & rental receipts which I did. I did n't hear anything. I went to make a payment and was told that my loan was sold to another company and OCWEN no longer was in control of the situation? I never got any documentation on this, I am still getting statements from OCWEN, I have no idea who has my loan now and my payment I sent has not been cashed. I was told just send in those last few docs and I would be approved I did and now this? I do n't know what to do at this point. This has been going on now for over 7 months, I just want my loan modified.
Some company named high point asset management from phone number XXXX keeps calling everyday. I answered one time and I was threatened to be put in jail for not paying a debt ( a debt they could not explain ) if I did not provide them with my debit card number or bank account number to satisfy the debt. The lady advised there was a court order to have me arrested if not paid. I hung up on her. They call everyday, I have my cell phone on auto reject but they leave the same voicemail everyday. Thy never did confirm the debt, they just kept asking for my personal information. I aksed them to mail me a validation of debt and they say " they did '' but I never received anything. Is this legal? And how do I stop it?
mycampuspartners has implemented a new " convenience fee '' if you wish to pay directly your checking or savings account. There was always a fee for paying with debit/credit card, but now there is also a fee for direct withdraws from your account. The only way to avoid this is to mail in a check, which, in 2016, is a bit ridiculous. This is a pure money grab as they do not incur fees for direct ACH deposits with withdraws.
According to XXXX XXXX XXXX XXXX, the resident ( s ) located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. opened a Cable/Internet/Cellular account using my personal information. I do not now nor have I ever resided in XXXX, California. 

The account was placed in collections with Diversified Collections Inc. and is threatening to damage my credit - the account number for the collection is # XXXX. 

A police report was filed on XX/X/2017 with the XXXX Police Department, Tracking # XXXX.
I have been in contact with the company since XX/XX/XXXX with multiple documents that they say are required to start the process to look into modification/assistance. I have faxed multiple times as well as emailed the documents on many occasions and receive calls and letters telling me that the documents I have sent aren't enough. I am now receiving letters and calls from investors and companies offering to buy my home. It is my understanding that they have 30 days to review my information to see if I am eligible for assistance. I paid them last month over 1400.00 and will be paying another XXXX on the XXXX but they appear to be lying to me just as XXXX XXXX did when they sold my loan to XXXX XXXX. I have know I have met the qualifications for the mortgage assistance but if they have already posted my home for foreclosure then they are stringing me along and intend to take my home without offering me a way to keep my home that won't stretch me beyond what I am able to pay.
I am writing to your agency to provide an update for my previous complaint id # XXXX. After I submitted my final rebuttal to you and to FIA Card Services ( Bank of America ), XXXX XXXX contacted me again. He agreed to modify the derogatory comments on my credit reports. He modified my XXXX report but did not do so on the other XXXX credit reports : XXXX and XXXX. Please be advised that this indeed is the second time that someone from FIA Card Services has " misinformed '' me. I disputed this matter with both credit reporting agencies and the creditor verified that the negative information is accurate therefore not adhering fully to their resolution for my previous complaint.
I have made various attempts to pay my loan down/off earlier than scheduled. The Company has not been very helpful to achieve this. Please see my most recent complaint with them on this attached. I attempted to pay bi-weekly. First last year I was told that a XXXX XXXX loan was not applicable to this payment structure. At the end of the year I was finally able to set this up to only find out that they would just hold my payment until a full payment was received and would not apply to my account earlier therefore reducing interest. I then tried to cancel the bi-weekly payments and make monthly payments with {$300.00} extra per month only to have them mess that up too and apply additional payments to the next month payment versus to principal as instructed in my note. They continue to be difficult to reduce principal earlier than the original amortization schedule.
I've called before to see whats going on just the fact they did closed the account before. It makes no sense to send a letter to me. Since they close the account before.on the letter it showed from XX/XX/2019 thru XX/XX/2019. Account been closed where this has this came.
I sent a certified letter to transunion over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me.
Mortgage payment was made to Bank of America on theXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX .They stated on my credit report that my account is 90dys past due date .Maximum Delinquency of 90 days XX/XX/XXXX. 
This information is incorrect and thus affecting my credit
I am a victim of identity theft and a couple of fraudulent accounts have plagued my credit reports and I've made several attempts to have them removed, but to no avail : XXXX XXXX XXXX XXXX XXXX XXXX
I had 2 loans w XXXX XXXX XXXX I am referring to the loan number XXXX at this time it looks like it has been removed from my acct but it seems that it is still reporting under my husbands name XXXX XXXX XXXX. just recently had joint credit ran and it is showing up w wrong information. it is reporting that this acct was in foreclosure status. this account has been paid off since XXXX of 2013. like I said this acct was removed from my act but somehow still reporting. also with this being deleted from my acct why hasn't my credit score improved. all my payments are current. my score has not budged in the last six months. I have done disputes w all the bureaus. it looks like it was removed but when my credit was just ran it is still showing. 
because this was a joint acct both credit repots/scores need cleared
Inaccurate reportings of my payment history for my Citi XXXX XXXX Card. 1st it had XX/XX/XXXX showing a late payment, then it changed to XX/XX/XXXX and now it changed to XX/XX/XXXX. There is an inconsistent change happening here and I have the evidence to prove it. All 3 bureaus do not match and are reporting inaccurate information. Also not to mention I've made payments since XXXX of XXXX when my account was opened and wasn't being reported to the bureaus for the payments i've made. Yet again the reportings for all 3 bureaus are not matching.
I have an account with Coinbase.com and I once made a XXXX dollar order for Bitcoin, the order was in virtual transit ; however no later than five days later, I learned that my order was cancelled and Coinbase would no longer allow me to make purchases, deposit, withdraw, or sell any of my assets. This particular issue has been solved by Coinbase support, but on the other hand - they have failed to reinstate the bank account I had on my account so I could make larger investments ; I have waited about an hour and a half so far as I am typing this complaint to speak with a customer representative who could be working with me to solve this issue. As I do n't see a resolution on the horizon anytime soon with their phone support, or support system on their website, I would hope something could be done just to simply reinstate my formerly linked bank account onto my Coinbase account.
I mailed a check to pay off the lease and it was applied to our account on XX/XX/18. This payoff resulted in an overpayment. XXXX XXXX XXXX mailed a check on XX/XX/2018 to our home address which was on file. This payment had no tracking number nor was it sent requiring a signature. Unbeknownst to us, this check was fraudulently taken and cashed on XXXX at a check cashing facility. We contacted XXXX XXXX XXXX on XX/XX/18 about the whereabouts of the check. At that time, we were advised that the check had been cashed. We informed them that we had not received or cashed the check. We asked that we be provided a copy of the check and were told that it would take a couple of days to receive from their bank. After the phone call with XXXX on XX/XX/18, we immediately filed a police report and a complaint with the postal inspector. We also advised the local post office that this check may have been stolen from our mail box. On XX/XX/18 XXXX XXXX sent us a copy of the check that was provided by their financial institution which shows that the Payee was not the one who cashed the check. Despite knowing that we were not the ones who cashed the check, they refuse to reissue the funds to us.
I recently pulled my credit report and discovered a collection account listed as Diversified Consultants in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.
Dear Sir/Madam, Recently, Scottrade XXXX made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours, XXXX
Transunion had a computer breach in their system that violated the rights of consumers under Section 6.11. Through this computer glitch/breach, my credit inquiries were deleted and reinserted. This glitch affected my credit score by removing inquiries which increased my credit score. Soon after, all of the inquires were reinserted to my credit report without prior notification ( written ) in violation of the Fair Reporting Credit Act ( Section 6.11 ) which caused my credit score to drop.I spoke with a Transunion  representative on XX/XX/XXXX to discuss this matter and my knowledge of the reinseration of inquiries on my credit report without notification. She asked for the dates of the inquires and acknowledged that the glitch did occur but that only XXXX XXXX consumers were affected. I was told that my inquires did not fall in the 2 year reporting limitation. They refused to fix their error on my credit report and advised that I get proof from creditors to delete this information. I am requesting that the reinserted inquiries be permanently removed from my credit report. I request that the following inquiries be removed immediately 1.XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX MO on XX/XX/XXXX, XX/XX/XXXX 4. XXXX on XX/XX/XXXX, XX/XX/XXXX 5.XXXX on XX/XX/XXXX
I had informed First National Bank of Omaha in the month of XX/XX/XXXX that i had been taken off work due to a XXXX XXXX i contacted from a XXXX. The representative stated I would receive a letter with a form for hardship. Time passed as my health declined i was transitioned to XXXX XXXX for care. Now over a year later i attempted to buy my XXXX this current month of XX/XX/XXXX and found a levy placed on my bank account that was now at XXXX dollars from my XXXX check as well as a hold on my moms safe deposit box. They had filed suit at the XXXX court with a judgement for {$5200.00}.
These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. I Also send the my statement and the letter from the court telling that they are not reporting to the credit bureau and you also have both copy Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX