WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I deposited two checks into my checking account at TD Bank. They were payroll checks. Usually my payroll checks the next day are cleared onto my account. This time on my account was showing the deposit but the entire funds were on hold. I figured that because of the amount of the checks they needed to make sure the funds were available before funding my checking. So I waited until Monday XX/XX/XXXX and still the funds were not there. I checked with my boss to see if saw the transaction on his account and the money were taking our of his business account. So on Tuesday XX/XX/XXXX I go to the branch on XXXX XXXX and XXXX XXXX. XXXX XXXX and the bank explained to me that they hold the money because of the amount and that on thursday XX/XX/XXXX my money would be realized ... .so they kept my money they left me with out money for more than a week. Now it is Thursday XX/XX/XXXX and i still don't have my money onto my account. Shame on them ... ..they left me with out salary for a stupid  explaination when they cashed the checks but the funds were not available. This is abusing their power. i have to go away in two days and don't have the money to buy the last things that I need for my trip. I WANT MY MONEY BEFORE THE END OF THE DAY!!!!!. TD BANK IS THE WORST BANK EVER!!!!
I was unable to pull my free annual credit report for Equifax. In addition to this, I tried to do a dispute through Equifax and it states they can not confirm my identity. I also use third party credit monitoring services and the Equifax portion has not been updated since  XXXX   XXXX     2017. I c ontacted my 3rd party monitoring services and they stated Equifax is not allowing them to pull anything. They told me to contact Equifax directly. I contacted Equifax directly and got nowhere. They were able to confirm my identity, however they could n't tell me what the issue is in regards to pulling reports and credit monitoring services I use. All they did is offer me to purchase a credit score pull directly from them ... .I do n't understand how I cant pull through my credit monitoring services that I pay for, but yet E quifax is a ble to if I pay them directly. To me it appears they are purposely doing this to force people into paying for their products directly to them.
On XX/XX/2018, at XXXX XXXX, I received a phone call from XXXX which was a robocall informing me that they had tried to contact me at my address regarding a complaint filed with their office, but could not contact me. I pressed 1 to be connected to a man who said he we from Miller Stark Associates and that he was attempting to collect on a debt I owed to XXXX XXXX XXXX for {$1000.00}. He knew the last four digits of my SSN and an old address from about 5 years ago. He offered me two payment plans and wanted to know how I would like to pay. I hung up at this time. I contacted XXXX XXXX XXXX who confirmed that I do not have any outstanding balances and that they did not submit anything to a collection agency.
Bank of America is applying my monthly payment to my 0 % transfer balances first and then applying whatever is leftover above the minimum due, to my 15 % purchase balance.   This seems in direct violation of th e 2009 c redit card act? Where payments must be applied to the highest interest balances first?
Equifax improperly handled my personal data leading to it being compromised in a XX/XX/XXXX hack that compromised 140 million people 's personal data including social security numbers, addresses, credit card numbers, etc. Their lack of proper data handling security directly led to this leak of my information. 

On top of that, Equifax did not come public about the loss of information untilXX/XX/XXXXXX/XX/XXXX. 

Additionally, Equifax is attempting to make people waive their right to legal action against the credit reporting agency when a user attempts to place a fraud alert on their account.
ON XX/XX/XXXX I sent money to a friend via PayPal. In the description note, I stated it was for a XXXX trip. PayPal held the transaction for a " governmental review '' and stated it could take up to 72 hours to resolve. However, it is now a WEEK later and my transaction is still pending and no word from PayPal. I have contacted them numerous times to either return the money ( it has already been sent from my bank account to PayPal ), cancel the transaction or put the money through so my friend can send it back. PayPal claims they ca n't do any of it. However, I have researched and noted that other transactions under the same review have come to a close after PayPal contacted the person to explain. No one at PayPal has contacted me and no one can give me a direct answer. This is ridiculous because I have now had to pay an additional {$380.00} to my friend and I am STILL waiting for this to resolve from PayPal.
On  XXXX   XXXX , I suffered a total loss  of Vehicle w hile account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   AGAIN  reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous c omplaint ( Complaint Number   XXXX  ) was filed against   XXXX    on  XXXX ,  XXXX .
XXXX/XXXX/16 - My Macy 's credit card account was used to make a {$78.00} purchase at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX . I had not lost my card ; I had never activated it and it was sitting in my cupboard. 
XXXX/XXXX/16 - I called Macy 's customer service line and ended up in a phone tree. Wanting to stop charges from accruing on my account, I chose the option for lost or stolen card. When I selected the " cancel my account '' option, I finally got a human on the line. She sounded XXXX and did not grasp that this was a fraudulent use of my account until I pointed that out to her. She said she would get the charges removed from my account and would also cancel it, as I requested. 
XXXX/XXXX/16 - Arrived home after a week-long trip to find another bill from Macy 's for {$100.00}, consisting of the original {$78.00} plus {$29.00} in late fees/interest. 
XXXX/XXXX/16 - Wrote a letter to Macy 's explaining the problem. 
XXXX/XXXX/16 - Began receiving recorded calls from Macy 's to pay my credit card balance. Called back and was connected with their Fraud Dept. Explained the situation again and found out that I should have been sent a fraud claim form to complete in order to notify them of fraud. 
XXXX/XXXX/16 - Received the fraud claim form ; completed it and mailed it back on XXXX/XXXX/16. 
XXXX/XXXX/16 - Received a third bill from Macy 's for {$140.00}, consisting of the original {$78.00}, plus {$68.00} in late fees. 
XXXX/XXXX/16 - Received a letter from Macy 's acknowledging my fraud claim and saying that they had accordingly reduced my Minimum Payment Due to {$68.00}, due XXXX/XXXX/16, stating " This adjustment reflects the portion of the balance that is not being disputed. '' Why should I pay Macy 's anything? I did not use my credit card, and I reported it as soon as I saw the fraudulent charge. If Macy 's chooses to outsource their Customer Service Line to an XXXX XXXX where the employees do not recognize fraud or know the procedure for handling it, I should not have to pay any late fees which result from their bad decisions or incompetence. 

I am asking your help in getting these charges removed from my account and also in closing the account.
On XX/XX/XXXX, I requested that the escrow account associated with my Mr. Cooper mortgage be cancelled. In response, Mr. Cooper granted my request on XX/XX/XXXX ( see Mr. Cooper correspondence ) and indicated that my XX/XX/XXXX payment would now be {$1600.00} ( principal and interest only ). However, despite Mr. Coopers assertions in their written correspondence, their payment site indicated that I still owed P & I and the escrow portion of {$880.00} for a total of {$2500.00}. As a result, I made my full payment on XX/XX/XXXX. ( See evidence of payment provided from Mr. Cooper via email. Also notice that the monthly payment on the receipt indicates that {$2500.00} was owed. ) On XX/XX/XXXX, I requested the status of my escrow account refund through Mr. Coopers secure messaging site. On XX/XX/XXXX, Mr. Cooper indicated that my escrow check was issued on XX/XX/XXXX ; however, the amount issued didnt include the most recent escrow payment I made on XX/XX/XXXX. On XX/XX/XXXX, I informed Mr. Cooper that they mistakenly applied the {$880.00} toward pay-down of the principal on XX/XX/XXXX, that their payment site didnt indicate that the {$880.00} would be applied to the principal ( meaning I never authorized the money to be used that way ) and that I needed this money to pay my XX/XX/XXXX local property taxes when theyre due in XX/XX/XXXX. Mr. Coopers response thus far has been to first deny reimbursing me the money, then indicating that Id receive a written response, then, upon receiving the written response, informing me that theyve deferred the decision until XX/XX/XXXX. At this  point, due to Mr. Coopers denials and delay tactics, I have no confidence that theyll reimburse me the full escrow amount that Im entitled to, and I fear that Ill have to make up the shortfall when my taxes are due.
XXXX XXXX contacted me on XX/XX/2018 reguarding a insurance debt. He impersonated being a attorney and said that things were going to escalate if I did not pay. I demanded a letter in the mail showing proof of the debt and was told no, and to either pay with my check information over the phone or be sued. When i told him that I would only pay via paper check, he started threat inf me and demanding my checking information. He has since called again today and told me if I do not pay that they will sue me. He is not an attorney and is very unprofessional.
they ( convington credit ) are not talking to me but contacting and harassing third parties not involved in this issue. certified mail threating tactics to my brother, who this does not involve.
On XXXX XXXX, 2016 I made a {$100.00} ATM debit card withdrawal at the Wells Fargo Bank in XXXX NJ. I was charged a {$3.00} ATM Fee. This month when I received my checking account statement I saw an addtional {$1.00} charge for ATM INQ fee and a {$1.00} WD fee. for a total of {$6.00}. In my opinion this is excessive and I should be refunded at least {$3.00} in fees.
In XX/XX/2018, I sent a letter requesting the removal of the XXXX XXXX   from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''
My mortgage was recently acquired by a new mortgage provider. I paid my mortgage payment due on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX for {$980.00} to Mr. Cooper. On XXXX/XXXX/XXXX a draft for {$1000.00} was taken from my bank account, leaving my account negative. I transferred cash to cover the balance, but it was cash I need for other bills. I sent a message to Mr. Cooper that I did not intend to make XXXX payments on my account within that timeframe. Their response was that I need to supply documentation from my bank and they would respond within 7-10 business days. Their website shows the two payments so I do not understand why I need to provide documentation. I want the 2nd payment stopped. I have not asked for any fees to be reimbursed, because if they would rescind the 2nd draft there would not be any fees associated.
I have been a victim of id theft. the account information in the credit report has been resolved but incorrect name continues to report after several disputes, conversations and presentation of documents to support my correct name.
I received a credit denial today from a bank when I was trying to finance a car. There is a credit agency called SAGE STREAM that I 've never heard of. When I find them on the internet and ask to see my report I have to send in a letter with a copy of my DL? One the reason they denied me was limited history for consumer at the this phone. I 've had this SAME number for 15+ years. Then it states too many recently opened accounts and then too few active accounts?
XXXX XXXX is reporting the wrong information to the three credit reporting agency. I have disputed this account to Discover Card, TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the Better Business Bureau ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX XXXX responded that the information being reported is accurate. I sent certified mail to TransUnion, XXXX and XXXX in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX XXXX, TransUnion, XXXX  and XXXX. 

My credit history should report the payment being charged off in XXXX of XXXX, not XXXX of XXXX. On XXXX, it is reporting multiple charge off months and late payments but none of my on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.
I submitted XXXX verifications of debit request to debt collector without a response. They are still reporting to Credit Agencies and I have submitted claims to those agencies. XXXX is investigating the claim at this time. The other XXXX agencies has removed the claim. I would like the agency to remove the debt and to cease and desist all collection activity on this debt as it has not been validated. Remove all remarks from credit reporting agencies.
I had deposited a settlement check from my attorney in the amount of {$11000.00} to my BofA checking account through an ATM machine at the branch. I had never deposited any bad check with BofA ever. However, they had held the funds and would not release it while I contacted them many times requested that they release partial funds so that I can meet up my bills because they 're due. Unfortunately, they came up with all kind of excused that they could n't get hold to verify with the branch. After hours of waiting on the phone, they still wo n't do anything about it. I then requested to provide me a number so that my law firm can contact and help resolve any issue they might have had and as a result they wo n't talk to him and was not helpful at all. I explained to them that the check payable to me was from a client trust account and there should be funds available. I requested that they release some funds so I can pay my bills otherwise I will get charge the late fees. Unfortunately, they would not do anything at all. This makes me very upset and there 's nothing I can do about when my bills are due and the funds available to me are being held. It is unjustifiable and unfair to me.
Financial Corporation Of America is trying to collect a debt that is not mine XXXX XXXX Hospital keeps sending these Frivolous charges to collection company to collection company
The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under XXXX ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.
I mailed a check to settle a collection account for less then full balance. Check was received and credited on XX/XX/XXXX however on XX/XX/XXXX company reported the account to all 3 credit bureaus as an open collection with an adjusted balance due to reflect the settlement payment.
I have been a Chase customer since they grandfathered me in from Bank one. When I first became a customer they started charging me XXXX insufficient funds fee only once I went overdrawn. Then as years passed by they all of a sudden started charging me a fee not only for being overdrawn but for every transaction made unlike before. Then when the banking industry went through the bailout issues and received government inspections and audits and were found to be negligent on these accounts and were made by the us government to refund all bogus fees as such that were applied to every customer and they also they began once again to charge only XXXX fee when an account goes negative and not for every trAnsaction. On my account. Now that the Obama administration is coming to a close, chase has once again resorted to their old money hustling antics to charge a {$34.00} dollar per transaction fee as well as the initial overdraft fee. My how easy we do forget. So I went into the bank and discussed the matter with a teller who asked when do you get paid and I replied " on the XXXX when my social security check goes through ''. He looked at me perturbed because I am not a senior citizen and said. " Social security, why? " I then stated Because I retired early '' but as I think on it, I feel ashamed because I have a XXXX but did not want to tell him but none the less it was not his business anyway. He proceeded to say " you will be charged only another XXXX dollars for and extended overdrawn account because the third is more than five days away so it 'll just come out of your check ''. And there is nothing I can do for you '' that 's it that 's all
I was sued by XXXX XXXX XXXX for an invalid debt XX/XX/XXXX. Court log states that I was allegedly served on XX/XX/XXXX at XXXX. I was never served for this case. In fact at that time on that day in XXXX I was at XXXX University conducting my XXXX from XXXX to XXXX. I then would have gone to babysit my friends kids so she could go to work and not return home till the next day. It is impossible for them to have served one of my neighbors in a case of mistaken identity because I am a XXXX female and at the time was XXXX, my neighbors were a XXXX male XXXX, an XXXX couple XXXX, and an XXXX couple. I feel any descriptive information that could have been provided regarding service was from their serving me for another case XX/XX/XXXX. In addition to having not been served, the debt purchased by Portfolio Recovery was Invalid at the time it was sent to collections as it violated a contractual agreement between myself and Bank of America regarding a 6 month account " freeze '' to protect my account while I was in Massachusetts attending college and unemployed because my son was diagnosed with XXXX. A huge portion of this debt was encurred as a result of late fees garnered during this period while I was under the impression that my account was frozen. The late fees were then combined with over the limit fees. Additional fees were then added on when the debts were sold from agency to angency all of which sent the XXXX ( XXXX? ) dollar original credit limit to XXXX! I was never able to rectify this discrepancy because when I came back from Massachusetts to find my accounts had gone into default and were sent to collections agencies the account had been sold and resold so much i was unable to identify the agency that had it till I was contacted by XXXX XXXX XXXX prior to their threats to sue. This is reflective of XXXX XXXX XXXX pattern of purchasing debts which they knew were invalid and unenforceable and intimidating consumers with the intent to garner default judgement. XXXX XXXX associates never provided me any information verifying the debt when I previously requested it during a phone call. I was told by an agent that I had to prove it was invalid and when I asked for the account information I was told they did not have the account information from bank of america that would show the arrangements for the freeze.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX