WillisBack/dataset-financial-user-claim huggingface dataset:
I bank with PNC Bank. I have for 10 years. Recently .... They continue to take money from my account. I have had {$930.00} taken in past 2 weeks. I have had XXXX {$36.00} fees ( {$140.00} ) totalling {$540.00} just on the same XXXX checks. These fees include a {$36.00} overdraft fee and {$36.00} return check fee on XXXX separate occasions. They attempted to put the check back through when there was no money to cover them. I have an automatic deposit each week. I looked and the deposit went the through last night for this week and the next day my card was declined. They fabricated XXXX overdraft fees ( {$140.00} ) which made my account negative {$88.00}. The account would not be negative if not for these fees. I can not pay my utilities. I have XXXX XXXX children and can not afford food electric or water. I have had a negative balance for 2 weeks and they have charged several {$21.00} fees for maintianing a negative balance and an additional numerous if not daily {$7.00} fee for the same reason. I have paperwork to show these fees. I need help. I ca n't close account with outstanding checks and ca n't make deposits without them taking it all for themselves. PLEASE HELP ME. I need this money back to care for my XXXX children.
I was under the impression that a deposit would be clearing into my account on XX/XX/XXXX, however it didn't until the XXXX due to the XX/XX/XXXX Holiday. During that time, there were a series of small transfers from my account to a mobile app which essentially ended up amounting to 13 overdraft fees for {$35.00}. When I called to notify them of the clerical error & to ask why my account was avalanched with 13 fees or even allowed to continue to process payments & to seek relief of the charges, they notified me that since It wasn't a banking error that they were very limited to the assistance they could offer me.

I just think this is extremely unfair, especially seeing as how my account would have been well in the positive had the initial deposit cleared in time & the excessive fees of {$450.00} had not taken place. I am a small business owner that has been what I thought was a business partner to Bank of America for over 3 years now, even opening two merchant services accounts through them for my Bar in XXXX & also establishing a line of credit with them as well & for them to treat me like this is utterly unfair & deceptive from someone I've been in business with. This is even after I expressed to them that I'm still in the process of recovering from the recent floods that hit the area.
Product Debt collection Sub-product : Credit card/ consumer reporting/collection Issue : Attempts to collect debt not owed/ incorrect consumer reporting/ no knowledge of consumers Sub-issue : Victim of Identity theft I recently requested my annual credit report from the three credit bureaus and my credit reports have inaccurate collections, consumers reporting, and credit cards reporting all the information that will cause damages to my file. I am in the process of looking into buying our first home and my credit score is affected by the consumer 's reporting. Lenders won't approve my application. As we reviewed the report there were consumers reporting with incorrect information, debt collections, fraud and credit cards accounts I have no awareness of this accounts, I am a victim of ID theft and would like further investigation under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of consumer reporting agencies.
This complaint is about US Banks end of lease maturity services. Once our car lease was ending we were transferred from US Bank Financial to their End of Lease Program to coordinate returning our vehicle XXXX XXXX 2017. The End of Lease program coordinated an inspection by a 3rd company which we completed on XXXX XXXX. The services provided by this party were fine. <P/>The issue at hand with US Bank was when I wanted to return the vehicle. They said return it directly to the dealer where we leased ( they went bankrupt and closed ) the vehicle. As this was not an  option they said they would pick it up which we confirmed via phone on XXXX XXXX. They said the car would be picked up in 7 to 10 days. Unfortunately I had to call again on XXXX XXXX - they said they had an error in their system and it would be another 7 - 10 days. I called again on XXXX XXXX and was told they would pick it up on XXXX XXXX. I called again on XXXX XXXX and they confirmed they would get it on XXXX XXXX. <P/>As a result of US Banks transferring between departments they try to confuse the consumer and cause incremental charges. We received an additional bill for two lease payments for the time we were waiting for them to pick the car up which we are disputing and want assistance with. This is awful behavior from this institution.
I was alerted that there was a hard inquiry on XX/XX/, 2019 from American Express. I did not apply for a card or any loan if any kind
During early XX/XX/XXXX I signed over papers to turn my XXXX XXXX account in Bank of the West into a regularly account in my possession. This is through Bank of the West Investment services for my account. They said it would be done within a week however ever since then I have not been able to access my account. I have called almost every day with no reply. This was done with XXXX XXXX as the person who handled it however he has stopped replying to my calls.
My husband and I are behind in our mortgage payments and Green Tree Mortgage is constantly calling us which I understand is their job. The loan rep. called my work however and told a supervisor who he was. This I think is wrong. He then spoke to my husband XXXX and told him if he gave our bank account number to him he would freeze the mortgage account at Green Tree 's level to keep us out of foreclosure. The loan rep said NO MONEY would be taken from our bank - it was simply an internal form he needed to fill out. My husband believed the man and thought he was helping us out. The loan rep took the account number and submitted some form of request for payment from our bank which overdrew our account by {$3400.00}. We have no money now with a sick husband and XXXX children. I tried to call the mortgage company to report this and was passed from person to person and told they did n't place the hold which was a bold faced lie. Then they told me my husband authorized the hold which was a lie. They kept giving me the run around when I asked to speak to a supervisor or XXXX they kept me on hold for over XXXX minutes waiting to speak with a manager. The mortgage company kept passing me through to XXXX XXXX our loan rep who was the one who LIED to us. I understand we are wrong for not paying but that is not an excuse for a mortgage company to lie about things and overdraw our bank account. My husband is sick and this is so unfair and then to be treated like my complaint was not valid made me so angry and to keep passing me back to the man who started the whole lie was insulting. Please tell me there is something that can be done so this does not happen to anyone else.
I was contacted by XXXX XXXX XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.
I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about
Bank of America charged return fee XXXX XXXX this is not fair. 
XXXX XXXX XX/XX/2017 friday my online banking balance was not negative. 
XX/XX/2017 Saturday my online banking balance negative. ( XXXX transition ) XX/XX/2017 called Boa customer service, XXXX ( refresentitive ) advised deposit right away. 
XX/XX/2017 all cash deposited, But, they returned check and charged return fees XXXX XXXX
I have a derogatory claim on my credit report with XXXX and I would like to know what it is. I have never had any account with XXXX.
Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.
Common Wealth Financial Systems XXXX XXXX 2017 {$51.00} They told me over the phone that the account was not mine after them verifying it was not my account. They ended up removing one account and forgot to remove this one. So I called them again and they told me to send them verification of identity theft which I did and they said they would take care of it and remove it. Now I have the credit burea say they denied my request which they ORIGINALLY AGREED and verified it wasnt mine to begin with. I have emails and they should have notes i the system and recorded calls of original agreement about it not being my account. Please have them remove this as I am STILL FIGHTING IDENTITY FRAUD
i was reviewing my credit report and found this item on my credit report, and have never been contacted by this company at all. I am a victim of id theft.
My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from th e US Bankruptcy court to all of the credit bureaus.. XXXX , Transunion,  XXXX  and asked them to show the case as closed / discharged.      I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2015
Conserve is violating my FCRA rights, by reporting things on my credit dumping my score tremendously, i paid XXXX  XXXX XXXX because they state to me that they were not paid so i paid the school directly on XX/XX/2018 Vice President XXXX XXXX of XXXX XXXX XXXX call me and told me that he had some great news for me that he contacted Conserve and advised them to stop reporting on my credit and return all files that they had for me and apparently they wont comply because XXXX   advised me that they reported on my credit today after the Vice President of XXXX XXXX XXXX advised them to not report on my credit anymore and to send my file back to they office ..
Several attempts have been made since XX/XX/XXXX by contacting Navient by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. Navient has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with Dept of Education/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to Navient until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for Navient to work along with Dept of Education ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.
I have a loan with COVINGTON CREDIT  XXXX   XXXX   XXXX   XXXX , GA  XXXX . I had a check returned for  XXXX . I wrote a letter explaining that I 'll cure the check  XXXX   XXXX ,  2017 . When I called, THE  XXXX  FEMALE REP, I 'M  XXXX  TOO, TOLD ME THAT MY CHECK CLEARED. I ASKED, ARE YOU SURE? SHE REPLIED YES. TODAY,  XXXX   XXXX , THIS SAME  XXXX  CUSTOMER SERVICE REP CALLED MY HOME  15 TIMES, YES, 15  TIMES CLAIMING I OWE  XXXX  SHE EVEN CALLED A RELATIVES CELLPHONE. I WILL CURE MY DEBT ON THE  XXXX  OF  XXXX . This employee does not know her job nor does she know that in Georgia, calling someone consectively is Misdemeanor stalking. She gave me wrong information and I tried to do the right thing and cure my debt. I want her stop calling my home and she needs to do her job right.
This case was disputed and the results are the same. I sent the original debt collector a notice to show validation of the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The notice was sent by certified letter, copies of which were sent to the credit reporting agencies, Transunion, XXXX and XXXX. The validation of the debt was never sent to me which the credit reporting agencies were informed of this by the credit reporting agencies. ; however they never removed the debt Account # XXXX, for the debtor failure to validate the debt. Instead the credit reporting agencies continue to allow the debtor XXXX collection to put this debt on my credit reports with out validating the debt out the guidelines on validating a debt. Their means of validating the debt is simply responding electronically that I owe the debt. The issue with my initial complain was the address listed on the credit report XXXX TN XXXX the notices were returned, the address is not a correct address where the collection account can be reached. This error along with the debt collector not validating the debt should be gounds for it to be removed.
This is two prong collection complaint I have against Fair Collection and Out ( Fair Collections ) which is located ay XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. They are both rent related matters. Telephone number : XXXX XXXX In short, in 2016 I moved my family into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NY XXXX, It was a disaster from day one due  to construction ( which they failed to notify me of ) and multiple issue that had great impact on my young daughters XXXX. It was a battle from day one and the building did nothing to help settle nor resolve the issues I was forced to leave and left with a rent debt that i believed we did not owe due to the circumstances. Simultaneously that year I was the guarantor of my mother XXXX XXXX lease at XXXX XXXX XXXX XXXX XXXX NY XXXX. Both buildings were owned by the same company. 
Unfortunately, in 2016 My mother XXXX XXXX and iI lost my job. As stated above, we moved out of the apartment ( and state ). The landlord sued me and my wife. I could not afford an attorney and could not represent myself properly. They took a judgment against me and my wife. From that point on, Fair Collections undertook an aggressive phone and mail campaign to collect the debt they claimed they purchased from the Landlord, Not only did Fair Collections harass me, they called relatives, forma work locations, my guarantor, family members, and any other person or locations they believed I was located. It was daily and constant, multiple times daily. It was awful. I desperately tried to negotiate and hold them off but to no avail. They simply would not listen and applied high pressure tactics. They threatened my apartment guarantor and harassed him ( and his family ) to the point were he paid {>= $1,000,000} to Fair Collections to leave him and his family alone and resolve his potential liability. 
Despite collecting {$15000.00}, Fair Collections continued the harassment. They hit mine and my wife 's credit ( and continue regularly ) for {$28000.00} for the purported XXXX XXXX debt and {$10000.00} for what they claim my XXXX mother owed. Of course our is destroyed and i am still out of work. I have called Fair Collections several times to try to negotiate to remove these debts but to no avail. Today I attempted again only to be told I could pay a total of {$22000.00} to resolve both debts. More importantly, the representative said that even if i paid they would not remove it from our credit reports but would simply mark the matter resolved for a lesser amount. I explained I simply did not have anything near that amount and was still out of work. I explained I had a friend who could lend me a few thousand to resolve the matter. I explained that the debts reporting is destroying our credit and not allowing my family to move forward. The agent simply said no and that they would continue to hit my credit ( as they just did this month ) I simply do not understand how they can continue to pursue debts that are improper, debts they have collected on already. debts they contuse to use to destroy our credit, and debts they will not reasonably try to resolve considering the circumstances.
I have disputed this report already with XXXX but nothing has changed. I have a hard inquiry on my credit report for XXXX/XXXX  but I haven't ever given them authorization to run my credit. I don't have an XXXX credit card but I do have an XXXX account that I order from frequently but still not authorizing them to run my credit. I am completely confused as to how they even have my social security number. I research and found out that XXXX XXXX has changed their name to XXXX XXXX   and that is why it show XXXX XXXX. I believe this inquiry to be fraudulent because anything done without my authorization is illegal. That is my understanding of credit inquiries
I close account XXXX. They was over charging for just two lines. Time went by. And beyond my abbilities to pay for bill of balance that I left behind. I received a letter from collection agency for that bill. I started making paymenta n on my second to last payment. They said XXXX gave them another bill that Was generated. My response was. That. Can not be true n how can I get two seperate bills for that one account. All of a sudden it was put on my credit report. So i tried to dispute but they supplied them with a bill with extra charges on supply n adjustment on extra charges 5 here n there n extra stuff I have no clue of.. I paid almos 500. That I was said I owed.
Regarding Case number : XXXX, While currently under review by my lender, I am writing to ask that my ongoing challenges with my lender be both documented and added to the open complaint referenced above. 

With this in mind, I am submitting screenshots XXXX of my accounts that clearly shows the discrepancy in the amount indicated as owed to keep my account current and the amount that the site will allow me to pay when I indicate that I wish to pay the whole sum ( monthly payment ) that is indicated as owed by me. 

In addition, I am also going to upload a copy of the most recent PAST DUE NOTICE that I received from the lender for another of my accounts for the record after both spending an hour on the phone with XXXX their representatives last month to try to verify that they had worked out their difficulties and also being assured that I was going to receive a letter ( that I have still not received ) indicating that they were both assuming responsibility for the errors and were planning to correct their erroneous report to the credit bureaus of " my failure to honor my obligations as agreed ''.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
I am presently in Debt Relief and have contracted XXXX XXXX XXXX to assist me in settling my debt. They are doing a good job and are not the problem. On XX/XX/2018, they settled my account with XXXX XXXX XXXX. On XX/XX/ 2018 they settled with XXXX XXXX XXXX XXXX XXXX. At some point after they settled the accounts were sold to LVNV Funding LLC. LVNV assumed the settlement agreement and they are accepting payments as agreed upon in the settlement agreements. For some inexplicable reason however LVNV Funding is reporting these accounts as in collection, which they are clearly NOT. They are also reporting the collections for the entire amount that was owed prior to settlement. I have no idea why they are doing this. Title 16, Part 660 Duties of Furnishers of Information to Consumer Reporting Agencies, Appendix A ( I ) ( b ) ( 1 ) states that information furnished regarding relationships with a consumer must be accurate, reflect the consumers terms of and liability of or other relationships and reflect those accounts accurately and reflect the consumers performance with respect to the account. The furnisher must reflect the integrity of the account, which includes but is not limited to update the current status of the consumers account and any attempt of the consumer to cure the account. They are clearly violating the Fair Credit Reporting Act by not reflecting my information correctly. This inaccurate reporting not only puts my credit file further in jeopardy but is double jeopardy because the original credit reporting it negative as well. This is unfair and stymies my ability to rebuild my credit file.