WillisBack/dataset-financial-user-claim huggingface dataset:
I have an Checking Account with TD Bank and up until this transaction, I have been able to successfully resolve issues with my account with my local branch, located in XXXX Vermont. On Thursday, XXXX XXXX, 2017, I was charged {$35.00} on my checking account for an overdraft charge on the account. When I signed up with my checking account I specifically denied overdraft protection which I knew would knowingly deny charges on my account when funds are not available to avoid being charged a fee. On this charge, my account was - {$5.00} after the bank allowed a {$1100.00} check to clear. Although it was nice that the bank allowed this check to clear ( which would have cost a {$25.00} return check fee ), I believe that my bank was not legally in the right to charge my account {$35.00} when I denied this protection on my account. When I called the main number, they said that my account was ineligible for a refund and that this type of charge is computer driven and can not be refunded. 
I formally request that the CFPB investigate TD Bank for all automatic charges when the customer has denied overdraft protection. My fear is that many people in my similar situation are being charged this fee. I am sure you do not think {$35.00} is a lot of money but to me given my kids college tuition and my high cost of living expenses, {$35.00} is my weekly grocery bill, so to me, TD Bank has fraudulently taken a weeks worth of food off of my table and probably to many others.
I have had a number of business accounts with Bank of America for several years. Recently I discovered a {$10.00} service fee on XXXX of my accounts. I had been told in the past that this was the monthly service fee for the account, but I noticed recently that I also qualified for a no service fee account. So I called to point out the error. That 's when I was told that this {$10.00} per month had been going since XX/XX/2012 (! ) and represented a product that : * I never signed up for * I never knowingly used * I never received any confirmation of signing up or any other documentation ( The product in question is something that allows you to send free instead of {$3.00} internal transfers at Bank of America. ) I asked the representative for some sort of proof that I had signed up for this service. She told me that there would not be any proof and that I signed up online. I told her that I did not sign up for this product online and that there must be a mistake. She put me on hold to " check '' and then came back to tell me that, yes, her system showed that I signed up online, but that there was no documentation or proof. 

I stressed to the representative that I was not accusing Bank of America of anything, but that in the context of the recent XXXX scandal of a bank adding fee-paying services to customers ' accounts without their knowledge or consent, that a casual " yeah our system says you signed up but we have no proof or documentation '' is n't really sufficient. 

I brought this point up to the Bank of America representative and stated that I was unhappy with her resolution ( that I eat XXXX years of fees and get the last XXXX months refunded ). She stated that her supervisor told her not to pursue the matter any further and that if I was still upset I could write a letter to Bank of America. Instead, I 've decided to come to this Bureau. 

The amount of money in dispute is extremely insignificant. But the principle that a bank should not be allowed to get away with adding fee-paying services to a customer 's account without her/his knowledge and/or consent.
I was sent 0 % promotional balance transfer checks for my Citi credit card. The letter attached with the checks said in large letters at the top " 0 % Promotional APR on Balance Transfers until XXXX/XXXX/2016. After that, your standard variable rate applies, currently 11.99 % APR. The standard balance transfer fee is {$5.00} or 3 % of the amount of each transaction whichever is greater. '' However, apparently the balance transfer fee that applied to the checks needed to use the 0 % offer is 4 % of the amount of each transaction. This is extremely misleading advertising, I decided to use XXXX of the checks to consolidate balances on other cards assuming a 3 % fee, however I was actually charged 4 %. I transferred {$10000.00} using these checks, so I ended up spending {$100.00} more than I expected based on the rate listed on the letter accompanying the checks. The reference numbers at the bottom of the letter are " XXXX -- XXXX -- XXXX '' and " XXXX -- LOT XXXX ''
My wife and I were in the process of selling our home at XXXX XXXX XXXX XXXX, PA XXXX to the new buyers and kept getting pushed back on closing for no justifiable reasons. Our initial closing date was XX/XX/2018, on XX/XX/18 after we moved out of the property preparing to close we were told closing was going to be pushed back 7 to 10 days. That time came and went without a reason and run around from the company. They refused to process paperwork sent to them or give an accurate reason on why we were delayed. Closing was then pushed back to XX/XX/18, then XX/XX/18. then XX/XX/18 and then finally today we actually had our closing which was over a month past the original closing date. The originator for the loan completely drug their feet which put us out of our house for over a month more than necessary and gave us 2 days notice that the closing would be delayed. This cause an extreme amount of stress on my family due to being cramped into my parents basement which was only supposed to be for a week initially since we were unable to purchase our new house until the closing on the old house was complete. This also caused us to lose thousands of dollars worth of our belongings and personal items because my parents garage flooded with all the rains we had which happens, but ultimately our belongings should never of had to sit in their garage for over a months time while people were lying to us and not doing their jobs.
I sent a certified letter to Experian on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Experian send me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, Experian still has a total of XXXX accounts they did not provide me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts listed
FOR SOME REASON, I FEEL LIKE I 'M BEING TARGETED FOR FORECLOSURE! Provident Funding Associates LP seems to be looking for cause to " accelerate the sums secured by the mortgage, commencement of foreclosure proceeding and sale of property. '' SEE ATTACHED LETTER AND ITEMS XXXX
In XX/XX/2015, I was referred by my Primary Care Physician to XXXX XXXX XXXX XXXX, and a XXXX. XXXX XXXX. 
When I filled out the new patient information sheet, I marked that my insurance required me to use XXXX XXXX XXXX for all lab work. When I saw XXXX XXXX that day, I told him my XXXX 's would need to be sent to XXXX. He stated that he preferred to use his own lab, but after about 2 months he would send my XXXX 's to XXXX. Every month when I saw him I would state again about using XXXX XXXX. He stated that he didn't like the way XXXX listed the results, and would not use them. His office took my health insurance as I only paid a {$35.00} copay each visit, but they did not bill my insurance for any of the XXXX 's. This led to a {$6100.00} lab bill. The bills come from his office, not a lab, so I have no idea what lab was used. I had one call from a collection agency for the {$6100.00}. They in turn sent it to the credit bureaus. As we are 30 days out from closing on a new home, in order to bring my credit score up, I had to pay the {$6100.00}.
In XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XXXX XXXX, XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.
Attached is the documentation detailing the fees that were charged due to the returned checks. A total of {$120.00} was charged. 
I am also attaching the letter I received from BMO Harris requesting supporting documentation for reimbursement.

I received a letter from BMO Harris dated XX/XX/2018, that it has decided to close my bank account. The letter does not include any explanation why my account will be closed. 

I received a letter from BMO Harris dated XX/XX/2018, that I confirmed that there was no fraudulent activity and BMO Harris removed the restrictions from my account after my confirmation. In this letter, BMO Harris apologized for restricting my account without me being informed, and requested supporting documentation for fee reimbursement because I was charged {$120.00} due to BMO Harris 's action.

Both letters are from the same Fraud Management and Enterprise Authentication department. 

As the XXXX XXXX letter confirmed, there was no fraudulent activity, and BMO Harris 's mistakes ( Changed my name in the bank file and my account, froze my account without any notification ) caused this situation. 

As the XXXX XXXX letter came after the XXXX XXXX letter, I would like to ask whether BMO Harris will still close my account even after it learned and confirmed that there was no fraudulent activity. 

If it will close my account nonetheless, I would like to request an explanation from BMO Harris why it will close my account.
In XXXX of XXXX per AMCOL SYSTEMS INC they received several bills in reference to XXXX XXXX XXXX XXXX in XXXX, Texas. Per the company they contacted me in XXXX of XXXX and the line was disconnected. I was not in the country between XXXX XXXX, XXXX to XXXX XXXX, XXXX. Upon speaking with the company in XXXX, I requested validation of debt ( balance ) which was not provided and I disputed the information as I have dual coverage. Per XXXX XXXX the debt validation was issued to me on XXXX XXXX, XXXX roughly more than 120 days after receipt of I contacted my insurance company to determine the status of said charges and the medical Facility did not process through my insurance company. XXXX at XXXX XXXX XXXX room whom I spoke with on XXXX/XXXX/XXXX stated the insurance company was not billed entirely for the medical charges Rep ID XXXX. {$270.00} was the balance owed to the Physician and my insurance company paid {$500.00} on XXXX XXXX which was four days after date of service. They attempted to re-bill my insurance. XXXX XXXX XXXX/XXXX/XXXX billed and then XXXX XXXX billed {$640.00} bill wrote off {$120.00} and applied {$520.00} to deductible and they were billed again. My insurance company was not billed adequately resulting in inconsistent balances.
I HAVE A DITECH LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND DITECH PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
I have a loan with ACS education. I recently asked for my original loan papers as mine were lost in a hurricane. They sent me a one page form without my signature, no interest information and on top it said one loan for XXXX and one for XXXX. That is a total of {$4800.00}. I graduated in XXXX and have been paying each month. I did have a period of relief due to unemployment. But my amount is around XXXX per month for a least 5 years. That is XXXX. They say I still owe over XXXX. Recently to add insult to injury I get a bill from XXXX ( who is XXXX ), I look it up and it is associated with ACS. DO I pay the Conduent bill or ACS, how do they decide etc. I need original signed ( by me ) paperwork on this loan.
XX/XX/XXXX - attempted to place credit freeze on experian account. Received a reply to provide information to verify identity. XX/XX/XXXX - attempted to upload ( XXXX ) the information that they requested, and there system will not accept the information. I have frozen my report with XXXX and XXXX XXXX with out any problems This company is very difficult to deal with, and you cant talk to anyone
I requested credit bureaus to update my address ; XXXX & XXXX Changed it except for Experian. I sent a request via fax and even called them but experian Does n't want to remove the OLD addresseses. I 'm residing in my current address for more than 2yrs and they should correct my info.
I was contacted by XXXX XXXX XXXX, XXXX attempting to collect a payday loan debt on behalf of Mobiloans. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of  Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.
One of my loan holders has filed a lawsuit against my co signer and never contacted me. My father is XXXX years old and on a fixed income. I have not had reliable income in years. I am finally able to go back to school to finish my degree. I do n't know who is filing the law suit, and they do n't give any information on the summons my father got. It does not list the date or time of the hearing, just that he is being summoned.
A plumber did repair work to a leaking pipe. The plumber damaged other pipes during the repair, but did not pay for the damages. I disputed the charge with Discover credit card. The card initially gave credit, then it reverse the credit without any communication to me.
I got a heloc loan with XXXX XXXX XXXX XXXX 2006 .. the loan was transfered to XXXX XXXX XXXX ..XXXX XXXX had pmi insurance on the heloc ..the loan went into default and was transfered to XXXX XXXX XXXX XXXX, XXXX . there I spoke to a representative there who told me that the loan was paid in full by XXXX XXXX XXXX. now a company call FCI lender Services inc XXXX XXXX XXXX XXXX Ca XXXX is threatening to foreclose on my property. my concern is if the loan was paid in full by XXXX XXXX XXXX with pmi insurance how can this debt be collected on again.. and can they foreclose on my property..?
I have a XXXX 2017 statement showing XXXX separate ach debits of {$100000.00} from Capitol One 360 { a subsidiary of Capitol One NA }. 
The XXXX individual debits went to XXXX individual accounts at XXXX Bank where the ach transfers were initiated XXXX of the {$100000.00} deposits is missing and neither bank can locate the missing funds since XXXX XXXX, 2017 There were XXXX conference calls between the XXXX banks and myself each lasting over hour and a half with no result only promises of giving top priority to finding the funds.THE FUNDS ARE STILL MISSING It defies logic XXXX of the {$100000.00} debits below is missing. 
Apparently no receipt or proof of acceptance of funds is recorded in an ACH transfer?? In my opinion when banks lose funds and can not account where they are its criminal. They put the depositor in a XXXX situation forcing them to file complaints and eventually will have to pay for an attorney to get back THEIR money. I AM A XXXX XXXX OLD SENIOR ITS NOT FAIR XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360 XXXX XXXX {$100000.00} debit from Capitol One 360
We constantly receive voice messages from ERC, early in the morning, late in the evenings, during the weekends, for collecting debts we do not have. 
The voicemail give a reference number and we have been advised not to contact them as they would do anything to make us pay something we do n't owe. We are non-residents in the US and have no credits, no debts anywhere.
On XX/XX/2016 the above documents, XXXX pages total, were mailed to Chief Financial Officer, XXXX XXXX XXXX to Ally Financial XXXX XXXX XXXX, XXXX XXXX. These documents. minus XXXX pages, were stamped Accept for Value, they were also endorsed with my XXXX File # XXXX XXXX Treasury Account #. These documents minus the XXXX stamped pages, XXXX pages total, were returned on XX/XX/2016 in the return letter sent by XXXX XXXX, XXXX XXXX Ally Financial. A XXXX of justice has taken place : 1. Full Disclosure ( I was not told that I was actually creating the credit with my signature ) 2. Equal Consideration ( they brought nothing of value to the table and so have nothing to lose ) 3. Lawful Terms and Conditions ( was actually based on fraud ), and 4. The signatures of both parties ( corporations ca n't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf ) ***DULY NOTED : ITEMS XXXX-XXXX WERE NOT RETURNED BY XXXX XXXX , FRAUD INVESTIGATOR FOR ALLY FINANCIAL XXXX XXXX XXXX, XXXX XXXX IN A CORRESPONDENCE DATED XX/XX/2016 AND RECEIVED ON XX/XX/2016. THESE DOCUMENTS WERE MAILED TO ALLY FINANCIAL ON XXXX/XXXX/2016 TO CHIEF FINANCIAL OFFICER, ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX.
Afni has put a XXXX collections account on my report that isnt mine and has previously been removed and is.nOw back on
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX/NAVIENT Account Number : XXXX Date : XX/XX/2008 Amount : {$7400.00}
my name is XXXX XXXX my equifax confrmation number is XXXX social XXXX bate of birth XXXX/XXXX/XXXX my complaint is that i talk to equifax serveral times that the XXXX bank card account XXXX along with all thehard inquires from XXXX XXXX and XXXX XXXX and XXXX XXXX and all other hard inquires are fraud and the XXXX XXXX XXXX XXXX refuse to remove all hard inquires and XXXX bank card off my report due to fraud. please talk to these people at equifax. XXXX removes inquires why equifax cant.
I was looking at my credit reports, and do not ever recall owing these people any money. Enhanced recovery, is wrongfully reporting me to XXXX. I demand a verification in writing of this amount owed, which im entighteled to under the fair credit reporting act within 5 days in writing. 











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Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX '' under the " Request For Your Credit History '' section it unlawfully list a : " XXXX XXXX ; XXXX XXXX XXXX ; XXXX, RI ; XXXX ( with NO telephone listed ) '' with the " Inquiry Dates '' of " XXXX/XXXX/XXXX '' and " XXXX/XXXX/XXXX. '' I have NO idea of this " XXXX XXXX '' and why they even unlawfully accessed my " Equifax '' credit report TWICE without my knowledge or approval since I have NOT applied for credit cards, etc. for the last 36 months!!! I am a victim of " Identity Theft. ''
My son has several student loans thru Navient ( formerly XXXX XXXX ) which I am a co-signer on several of his loans. I have paid on these loans for years b/c I always wanted to be able to pay for my kids education and in previous years he could n't afford to pay. We have been in a rate reduction plan the past couple of years with them and we have never missed a payment. This plan has to be approved each year. Since last year my sons salary has increased slightly by about {$10000.00}, but so has his expenses with a mortgage, car payment, and XXXX child XXXX XXXX ). My payments were {$520.00} per month. In renewing for this year Navient is asking him to pay {$980.00} month. His income did not double, his family is larger, his wife 's hours have been reduced. And they will not come off this rate per month or try to work with us. I feel like they do n't want you to pay them back sometimes. We have always paid and I 'm trying to pay them now and they do n't care. Seems odd that it would be this difficult to make payment arrangements when more student loans are being defaulted on everyday, more than ever before. Wish I had other options. We are a struggling XXXX family trying to do the right thing.
When i tried to set up a payment arrangement they would tell me I do n't have to pay cause I am not obligated I was like I am living in the house what do you mean then they explain its not a requirement I am still trying to work things out and the reps are not assisting in anyway I asked them to assist with putting the past due on the back of the loan and as of today 's date no one has assisted me.
In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my Equifax credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. Equifax Dispute result claims the information is correct even though it is obvious the social security number XXXX  XXXX XXXX has provide to Equifax does not match that of my true identifying social security number. Equifax has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.