WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX in New York has stated that their policy is to charge the customer {$2.00} anytime he or she uses the XXXX XXXX debit card as a debit card -- if you enter in your pin number to complete a transaction with your XXXX XXXX debit card, you will be charged {$2.00}. If I check out at the store, I need to select " credit '' ( even though the card is a debit card ) and sign for it, because if I enter my pin, there will be an automatic {$2.00} fee. If I use an ATM machine, not only does the ATM machine charge me its fee, but XXXX XXXX charges its own {$2.00} fee because I am using my debit card as a debit card and have entered in my pin number. I have called twice now about these fees -- - the first time, a customer service representative waived {$14.00} worth of fees ( incurred for not selecting " credit '' when using my debit card to check out at stores ). More recently, I had to visit an ATM machine three times over the course of a week, and then realized that XXXX XXXX   was charging me that same {$2.00} charge for every ATM transaction as well. I called customer service again and they explained that this is just their policy. I was not informed of this policy when I opened my account. A {$2.00} charge for every debit transaction with a debit card seriously adds up, and it seems like this can not possibly be okay. I think they have this policy set with the hopes that people will not notice the fees as they rack up. It has also been impossible to do bank-to-bank transfers from my XXXX XXXX   account since XX/XX/2017.
I am experiencing difficulties with collections on my report that is n't mines or has been paid through my insurances. In 2014 I began to receive bills from a lab. I informed them my insurance paid and ensured them if I had a co payment then medicaid pick it up. I remember even providing them with both insurance information. I even called my doctor 's office to see why I was receiving calls and bills from the lab company and they too were clueless. I recently received XXXX bills in the mail. {$390.00} for date incurred XXXX/XXXX/2014, {$59.00} for date XXXX/XXXX/2014 and {$530.00} for date incurred XXXX/XXXX/2014 all from the same collection company.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have been banking with  BB & T for a number of years. I was recently charged over {$200.00} for overdraft fee 's because the bank continues to clear charges when there is not enough money in my account to cover the new charge instead of declining my attempted charge. BB & T charges {$35.00} per over draft and some of these recent charges were on purchases of less the {$10.00 }. They have never suggested a solution! I feel this is very unfair - the bank should decline my purchase instead of paying it if there is not enough cash in my account to cover. They will not refund their charges they are very uncaring, its just the way it is. If I carried large daily cash balances would they treat me like an untouchable, "  XXXX  No ''! It appears to be a wonderful source of free money to them. I would pay less of in penalties using a loan shark. I have been charged {$35.00} on an overdraft of {$2.00}. There should be a percentage limit or dollar amount based on the amount of the overdraft.
Experian credit bureau has been putting false information on my credit report for over ten years. my attorney and I worked with their XXXX XXXX in XXXX Texas who works in the special services branch to correct these problems recently I was notified that my mortgage VA refi was denied due to alleged fraudulent reporting by experian to the lender. 
these false reports included showing false hard credit inquiries where experian double counts credit applications for the same car purchase on the same date as XXXX inquires when XXXX if from the dealer and XXXX from the credit union on XXXX XXXX, 2014. 
second they show fraudulent hard credit inquiries from equifax credit bureau that is being done by other companies that i have never applied for credit and experian is doing the same thing. 
3. the show too high balances on accounts yet their same report shows my credit utilization as being less than XXXX percent.. 

4. level of deliiquency on accounts when there is no delinguency. I notified experian of my dispute with wyndham resorts and diamond resorts for timeshare loan fraud and breach of contract. these were XXXX to IRS long ago and my property was confiscated by both companies in excess of {$200000.00}. 
5. they report length of time too short yet I have had my XXXX bank credit card for 13 years and never missed a payment. experiena reports only 7 years which is totally false. 

6. credit balances to high but that is n ot true either. .this has been going on for over a decade and is violating my rights under the FCRA XXXX allegedly to keep me in the subprime mortgage mortgaeg with a substandard credit score using falsified information. 

7. maintaining credit history for decades or years that should be removed or drop off my credit file. 
8 removal of my statement placed in my file that I am a XXXX veteran from the XXXX XXXX. 
9. reinsertion of data removed years ago that has been reinserted and maintaining lender inquiries from companies I have never done business with or credit applications with.
Credit bureau Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.
We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX   XXXX , MS  .  I contacted the  Judgment Court and was told that Tower Loan would have to notify them that the Judgment was satisfied. I filed a dispute with  XXXX  Credit  and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to sta te Amount Satisfied. I h ave been unsuccessful having this changed by Tower Loan and th e Judgment Court  in  XXXX   XXXX ,  MS .
This was on an account that is over 2 years old. I moved from one place to another. I cancelled my XXXX account and asked them to send me a box to send their equipment back. It took XXXX different boxes to send it back. When I did I got a receipt and kept it. I still have it. This is the second time that I am having to dispute this on my credit report they just keep sending it back to collections. I am very upset about this. I do n't owe them anything. They even said I did n't and sent me back a refund check with there apologies. How does this keep happening?
On XX/XX/XXXX, my bank sent an official check to payoff my entire credit card balance. The check was mailed attached to my credit card statement. On XX/XX/XXXX, I noticed the payment still had not posted. I discovered from my bank that Citi Cards had received the check and credit card statement as the official check was negotiated by Citi Cards on XX/XX/XXXX. I  called Citi Cards and filed an investigation for the missing payment on XX/XX/XXXX. They communicated to me that a conditional credit would be applied within 2-3 business days while its being investigated. On XX/XX/XXXX, I contacted Citi again as my payment nor the conditional credit had been applied to my account. After 30 minutes was finally connected with a supervisor named XXXX XXXX. He told me that even though my credit card statement was with the check, if the check didn't have the account number on it, they wouldn't know where to place the payment. Further, I would have the conditional credit the next day as it takes 2-3 business days, that he located the lost check/payment and that it had been deposited into Citi Cards general account, and he would call me the next day to update me if the payment had been posted. XXXX called me on XX/XX/XXXX, and informed me that the payment still had not been posted, that the conditional credit had also not been posted as they're delayed. Further that I needed to make the minimum payment due to avoid late charge. I refused to make the minimum payment, because I provided them an entire payoff that they're refusing to process, nor were they able to process the conditional credit as promised while its being reviewed. I asked if I could speak with someone on the payment processing team, or if he could reach out to someone to get the payment processed and he said no, they have no way to contact them, and that my payment may not post until Tuesday, XX/XX/XXXX and reluctantly agreed to call me back on that date to confirm. As of XX/XX/XXXX Citi Cards still have not processed my credit card payoff and they have had the funds deposited into their internal fund management account since XX/XX/XXXX.
I paid off my credit card 8 days before the due date. After the due date, I received bill, stating I owe {$15.00} and some change. I made contact with the credit card company, and was informed they would take care of it. I was told it would take 5 business days to see the change on my account. I checked my account after 7 day and the amount had doubled. I called the credit card company and asked to speak w/ a supervisor and informed them I paid my account off prior to the due date. I was told once again that it would be taken care of and the supervisor said she was making adjustments to my account as we spoke. she informed me it would take 5 business days to see the change. I waited and checked my credit card account 5 business days and now the credit card company shows a balance for me of {$59.00}. I do n't understand how I pay off my account and accrue a balance and I call and call the credit card company about this issue and my calls falls on deaf ears and they continue to add fees to my account.
I normally have my pay check deposited onto my rushcard every two weeks. This week when I checked the money had been loaded onto a card that i havent used in years. When I contacted customer service i was told there system is down and they were working on this. I have called 4 or 5 times. I have been hung up on and put on hold.Today i was on hold for 2 hours. I have no access to my paycheck at all. I feel this problem should have been resolved over a week ago. They have no plans on reimbursing me for late charges I 'm going to recieve for payments I am unable to make. I just want my money.
I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX  falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. Equifax just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined Exquifax and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX, Equifax and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.
Conserve is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted Conserve and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to Conserve regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : 1. XXXX -- - XXXX XX/XX/XXXX {$25.00} 2. XXXX -- - XXXX XX/XX/XXXX {$25.00} 3. XXXX -- XXXX XX/XX/XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
Dear CFPB, My name is XXXX XXXX with last SS # XXXX lives at XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XX/XX/XXXX. I have found the information from my TransUnion credit report is incorrect that shows collection of {$260.00} from XXXX XXXX. 

The fact is, on XX/XX/XXXX I was scheduled to see my primary doctor at XXXX XXXX XXXX in XXXX, XXXX XXXX for sick visit. And later I received bill shows {$200.00} my responsible for it and my mother helped me contacted them to find out why I got bill for because I know it was covered under my health insurance. And I was told that charge for out patient fee. And I made this clear to register office that bill is not correct for charge because I was scheduled to visit the doctor. 
This is not fair to me. I hope CFPB may help to solve this matter. 
I look forward to hearing your resolve. 

Thank you. 

XXXX XXXX. 
my contact information : XXXX XXXX
On XXXX XXXX 2015, I received a letter from the XXXX XXXX XXXX XXXX stating that my personal information had been compromised in a cyberattack. As a preventative measure, I placed security freezes on my credit reports at all XXXX agencies around the date of XXXX XXXX 2015. I checked my credit score at TransUnion online, the last credit reporting agency on my list. In a hurry to complete my list, I accidentally signed up for a " credit lock product '' on the TransUnion website. It was unclear until a month later as I was reviewing my credit card statement that this monitoring service cost $ XXXX/mo. Attempting to turn off the service via the their phone help line and online terminals was unnecessarily complicated, taking no less than an hour and a half of my time on the phone after several failed attempts to cancel the service online. After that, I was instructed to call the automated security freeze phone line to place a security freeze on my credit report. Again, I tried via their online terminal and automated security freeze line to place a security freeze on my credit report, I was unsuccessful after repeated attempts. Shortly thereafter, I wrote the TransUnion fraud department a letter ( see attached ), requesting a freeze be placed on my account and furnishing all the information necessary to do so. They sent a form letter and a " security freeze request form '' in response, which I am filling out and returning today. In comparison to my experience with the other credit reporting agencies, the process I endured attempting to place a security freeze on my credit report with TransUnion was downright onerous. Their customer service was n't helpful. Their description of their " credit lock product '' was unclear and misleading. The monitoring service was very difficult to cancel. Their website and automated help line failed with every attempt I made to place a freeze on my report. It was nothing short of a great, big hassle and six weeks later, I still have not achieved my relatively simple goal.
Someone took {$89.00} out of my account and I have n't used my card since XXXX XXXX
I took a deposit to People 's Bank and deposited it.The following day when I sought a confirmation of the funds in the account it was not available. The next day as I followed up with inquiry to the tellers I was introduced to the manager that informed me that it was a counterfeit item ; thus reason for the results I recieved. When I asked for the number of the head of the fraud division I was threatened with removal by police force.
i had a mortgage loan through XXXX XXXX XXXX and paid on time for years under a bi-weekly payment program. in XX/XX/XXXX i graduated from college and had to move away in order to become employed. i tried to sell my home and could n't. in XX/XX/XXXX i moved to XXXX to take a better job, and so I was paying for the mortgage in XXXX along with my rent in XXXX, student loans, etc. I fell behind on 3 of the every-two week payments later in XX/XX/XXXX. I brought cash to a XXXX branch in XXXX, XXXX where I currently live to make my mortgage current on XXXX XXXX, XXXX and they applied the {$900.00} payment to my credit card account and not my mortgage account, and then refused to reverse that ( I have the letter for this ). At this point in time I had received NOTHING from Seterus or from XXXX informing me that they were selling my loan. Later that month, they sent me information ( conveniently dated on XX/XX/XXXX ) that Seterus now had control of my loan. They forced me to modify my loan to a 40 year loan (! ) and even while I made payments on this, they held them in suspense, ruined my credit and kept telling me I was in default of my mortgage. There have been numerous unexplained fees and late fees throughout the term of this loan ( for the past 19 months ). It was a full year ago that I got a letter that the modification was complete. This took them 8 months to do, and they reported me as not paying every month even though I was, and held the payments in " suspense ''. Last year, I was able to rent the house since it still wo n't sell, and have been making the payments on time. XX/XX/XXXX, I have paid the mortgage two weeks in advance, so imagine my surprise when I got a statement dated XXXX XXXX, XXXX that said that I owed two months mortgage for an XXXX XXXX due date and that I was in default of my agreement. On XXXX XXXX, I called and a representative and told me that they would get that reversed. On XXXX/XXXX/XXXX I received another letter telling me that I was in default and the header says " Why have you delayed working with us? ". Today I called Seterus again ( and the XX/XX/XXXX payment has also been made ) and I was told by XXXX XXXX that even while the representative that I spoke to on XXXX XXXX requested the reverse that someone decided that was not acceptable. She said this is because my loan was just modified XX/XX/XXXX. So, today they are again refusing to work with me, and will not apply my mortgage payment made on XXXX XXXX to my mortgage that was XX/XX/XXXX on XXXX XXXX, and and they are telling me I am {$900.00} and something in arrears and that {$560.00} is being held in suspense. At this point, I have nothing to think except that they are trying to take my house. I have every record, and every statement that these people have sent me and I am desperate for help. In addition to all of that nonsense, I am in the process of having to evict my tenant in XXXX as she has been in the house for 3 months without paying rent. Please, please help me or direct me to someone who can. I can not make an additional payment and believe that the payment I sent in for my mortgage should have gone to pay my mortgage. This makes no sense to me.
On XXXX XXXX 2016, Discover it closed my credit card account without a reason. They claimed that they closed my account based on a business decision. But I ca n't see any reason that may lead to that business decision. I 've attached my most recent 4 bank statements, which clearly show that I never abused my credit and no reason can cause my credit account closure. This closing action will significantly affect my credit history.
There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.
I have had a Citibank credit card for a number of years, which was enrolled in auto pay. This card carried no balance for a number of months. In XXXX 2015, I accumulated a balance due to some purchases. I knew this card was enrolled in auto pay and did not schedule a payment as it would be debited automatically according to the autopay instructions. On XXXX XXXX, I was charged a {$26.00} late fee. I became aware of that and paid a payment and I also contacted Citibank to understand why it had not autopayed according to the instructions on file. They indicated that autopay had been suspended due to inactivity. However, I never received notice that this was the case ; thus, I do not believe I should have been charged a late fee. Moreover, I have repeatedly tried to re-enroll in autopay and when I enter the information, I just get a blank screen after entering it. I brought this to Citibank 's attention and they had no solution for me. I would like autopay reinstated and the late fee reimbursed.