WillisBack/dataset-financial-user-claim huggingface dataset:
Everything is about the abusive and unfair practices from bank institutions. I have an account with Regions  XXXX , on Monday  XXXX  were claim to them to transaction s one fro m  XXXX  for {$30.00} another from  XXXX  for also {$30.00} the account was with a balance of {$160.00} they posted both transaction on Tuesday and took the money from my account making the {$60.00} unable and keeping the transaction posted but not clear. On Tuesday at  XXXX   XXXX  in the revolving process between banks, a check for {$310.00} came and the account was with only {$100.00}. Due to the short they have the right to charge an overdraft fee which I consider fair {$36.00} but what it is a theft is  two extra  overdraft fees a total of {$100.00} dollars for the transaction which they kept unclear but already made the debit from the fund which were there on Monday  XXXX  when the claim from  XXXX  and  XXXX  came. I want my {$72.00} Dollars back from the {$100.00} They charged to me on Wednesday.    XXXX
I currently have a personal loan with Mariner Finance and have done business with them for several years now. On XX/XX/XXXX I went on the website to pay bill but my {$200.00} was declined due to it not being the full amount of {$230.00} something. I come in to work on XX/XX/XXXX after returning from the holidays to be confronted by my boss about the Mariner account I have. He informed me that a representative of the company had contacted my work office and told him that I had a loan and that I was going to be prosecuted if I didn't pay. They continued by telling him it would only take {$130.00} or around that amount to avoid this from happening. This has caused turmoil for me and friction in my workplace. They had NO right to contact my employment and give any information other than to have me contact them. Because of this, I may lose my job.
I Received a Summons and complaint XX/XX/2017 from XXXX district court from Discover Bank Attorney in, in the amount of {$6000.00}. 
- I have reached out to discover on numerous occasions and reported that this was not me nor is the debt incurred mine, they have yet to validate my debt. I have also informed them that my identity was stolen and I have Documentation from the police and also the IRS to prove so. 
I have sought counsel in regards to this matter. 
I have also checked My credit report and I have no debt from Discover on there either.
This is the third time this company has placed a trade line on my credit report with out valid proof of debt or even proof they are authorized to collect. 

I have requested this information on 2 separate occasions. Once in writing and another by dispute. Both times this company was required to remove this information as they did not provide significant information.
I opened this account in XXXX XXXX, 2010 this company but it was not for {$50000.00} I do n't know where this amount has came from but the balance is missing on my credit report and its reporting derogatory stating that I was paying on time then i went to 90 days late then 120 days late for about 6/7 months at a time I 'm unsure how someone can owe a company for 120 days late 6/7 months in a row it seems like time stop and also how did I ever take out {$50000.00} XXXX XXXX, 2010, I would like to pay what I owe an nothing more and get this negative remark removed from my credit report, the true balance is missing and the payment history is not right, can someone please help i have been reaching out to the bureaus for years.
The credit card issuer - Discover Card - fails/refuses to remove charges from my account claiming that the merchant XXXX has not received the returned items. I provided all the required and supporting information including tracking and delivery receipts from XXXX.
Payments have been recently misapplied. Whole payment amount is being applied toward interest only & I am not on any type of workout plan. Everytime I call Navient 's customer service they advise its because of the interest accrued.
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

Transunion Inquiries are -- -- - XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries are -- -- - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Trans union report the wrong information. I got a report today that has consolidated credit on it as collection agency/attorney. I did check with XXXX and XXXX an nether principle is registered as an attorney in either State, however Trans union allows the idiots to report on credit reports just because they want the money.
I paid off my auto loan and can not get the title. 
My problem is with ALLY bank/Auto They claim they sent it and I should get it within 7 to 10 days Today is the 10th day and I received my mail and NO TITLE! 

They need to fix the problem and pay for the fix I must do on my end They charge finance daily charges, why ca n't I charge for getting it late? 

I paid the loan off in good faith I want my problem fixed in good faith! 

Bought truck on XX/XX/XXXX {$450000.00} paid off truck XX/XX/XXXX
Chase Bank charged me two overdraft fees totaling {$68.00} for transactions they restructured so as to make it seem as if my account was overdrawn when it was not. These occurred on XX/XX/2018. I attempted to get this fixed with Chase customer service, but the bank would not help me in this regard. My experience with Chase is that they often try to reorder transactions so as to maximize fees collected.
I walked into a Citibank branch at XXXX XXXX XXXX, XXXX, NY XXXX ( I have a Checking Account with Citibank ) and ordered about {$300.00} worth of a foreign currency. For some reason, my Checking Account got debited twice for the order ( i.e. I was charged twice as much as I was supposed to be charged ), even though my receipt only indicated that I placed the order once. I went back an hour later and was told the problem would be corrected by the end of the day. It was n't. I called Citibank, and was told that it would take 45-90 days to resolve the problem through corporate. This is completely unacceptable - I lost access to my money and I have bills to pay on which I 'll be charged interest if they are late.
I requested a credit report from XXXX XX/XX/2018. In one line, it says ; " Total number of properties owned : 2 '' I do not own or have owned 2 properties. 

4-5 years ago my personal information ( SSN ) was lost. I do not know if the above inaccurate information is related to my lost identity information. However, I am concerned. 

I would appreciate your help identifying where the information reported by XXXX  about properties owned came from. Thank you.
My loan was sold several times after the purchase of my home and was with Loan Care ( myloancare.com, XXXX ) before supposedly being transferred to XXXX XXXX XXXX XXXX, XXXX ). I make all my payments via the XXXX XXXX website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with Loan Care ( a sub-servicer of XXXX ). They gave me the phone number for Loan Care and said to contact them. I contacted Loan Care and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would Loan Care tell me my loan was with XXXX XXXX and how am I making my payments on XXXX website if neither company is able to recognize my information for me to discuss my loan with anyone?
This is one of many complaints that I have had to write about Sallie Mae. After refusing to help me with my monthly payments they have decided now to blackmail me with the credit bureaus by claiming that I am past due on my payments when actually I have been making payments to the accounts. I pay what I can but they want me to {$450.00} which I can not afford.
CBE Group is attempting to collect a debt that I do not owe. The debt is old and from a place that I worked, my services were free and I have the signed documentation proving it. My old employer actually billed my insurance & got paid and then sent me to collection for the whole amount even though they don't bill employees. 
They do some shady stuff and this proves it! I do not owe this debt and they were paid by insurance anyways. 
I am contacting my attorney regarding their practices as well.
I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called TransUnion and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.
I leased a XXXX XXXX from XXXX/Chase Manhattan Bank as the leasing company. I never missed a payment and over-paid the load every month. I was in an accident. I called Chase to let them know several weeks after the accident and upon speaking with a supervisor at Chase she and the person before her recommended that I immediately seek a refund for the over-paid amount. I made that request at the supervisors urging. 

I received a call from that same supervisor last Thursday telling me that I had to prove that I paid the overage amount. I did not pay it in one lump sum as she was requesting me to show and she knew that I paid over {$250.00} dollars every month for the past 2.5 years equating to the more than {$4500.00} in overpayment that shows on my account. She accused me of not paying the amount and had to have proof of the full amount before they would even consider repayment - EVER!! 

I was never asked to prove that I was paying with each monthly payment more than {$250.00} dollars. All payments came from the same account and I verified the account that the payments were received from ; so I am hard pressed to understand why Chase refuses to refund my over-payments unless they are trying to XXXX me out of my money. Obviously the large banks have not learned their lesson and continue to feel they can XXXX every customer that pays them on time and with over-paying their account. I demand my money back immediately and their futile attempts to keep my money infuriates me because it was practices such as this that got them in their first crisis.
This afternoon I attempted to login to my Ally Bank account. It said my account was locked and I needed to call them to access the account. I promptly called them and was told a hold had been placed on the account because an account specialist was reviewing the account. I spoke with a manager and no one can tell me what it means that a specialist is reviewing the account, nor can they connect me with a specialist who can tell me what 's going on. I made a deposit on this account back in XXXX, I made one transfer from the account and now I 've gotten around to writing the first checks on the account. I 'm confused about what is going on. I asked if the checks would clear and they could not tell me. I asked why no one called, emailed, or wrote a letter before or after the hold was placed. He could not answer that either. It 's unacceptable to me that a bank can freeze all access to my account and possibly even to the checks I 've written with no notice to me whatsoever. The only help that could be offered to me was a return call in 24 hours.
I found on my Equifax Credit Report hard inquiries that I did not authorize. I contacted Equifax to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Equifax continues to remove. These inquiries are from XXXX, XXXX, and XXXX.
I did a wire transfer to Coinbase.com of XXXX to invest in cryptocurrency.

I received a message on their website regarding the transfer and that it will be delayed and processed

within 24 hours. It 's been 48+ hours now and nothing. I
've been on hold on their phone customer support for 1 hour, TWICE in a day. I 'm not the only one experiencing issues like mine. People have even been locked out and accounts r
emoved with way more money than me, with no reasons given.
My loan was transferred on XXXX XXXX 2015 from XXXX to us bank. 
On my last statement with caliber dated XXXX XXXX, 2015, my outstanding principal balance was {$540000.00}. That should be the amount outstanding when the loan transferred to us bank. 
but when it transferred on XXXX XXXX, it was {$540000.00}, which is {$1800.00} short, which is the additional principal payment that I made and that I am MISSING! 
and that {$1800.00} is not the same {$1800.00} applied as principal on XXXX XXXX, it is the {$1800.00} that I paid towards principal on XXXX XXXX TO XXXX XXXX XXXX prior to the loan transferring to US bank. i have all the proof and I will attach with this complaint. 
I already filed a complaint against XXXX, and this one goes to us bank, so they can track payment history and adjust my principal balance {$1800.00} that I am owed.
I contacted my bank, Wells Fargo, to ask about the current auto rates. They were only able to give a range of rates ( 3.49-18.49 % ) unless I filed an application. I declined to do so because I was n't committed to purchasing the car and did n't want a hard pull on my credit for no reason. About 3 week later ( on XXXX XXXX, 2016 ) I received written correspondence that my loan application was decline because " the credit application was incomplete ''. In fact, there never was an application. They also pulled my credit in violation of the law.
On XXXX XXXX, 2017 I went in person to the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) branch to add my engagement ring onto my existing renters insurance policy. I had been told previously over the phone to bring the ring for pictures as well as a recent appraisal. Once I was seated with a representative she asked her manager to take the photos and collect my information. I was moved to another cubicle with the manager and she explained that I would receive a bill in the mail pro-rated for the rest of the 2017 year. A week later I received a letter from XXXX that was a Fair Credit Reporting Act Notice ( auto ) that stated I was being denied auto insurance based on a consumer report from XXXX XXXX XXXX XXXX XXXX.  I never discussed auto insurance with XXXX, nor do I have any interest in obtaining a quote from them. I never gave consent for them to pull my consumer report in any way. I have contacted XXXX and spoken with several representatives and managers and no one has an answer for me in regards to why this was pulled or how I dispute it.
Hello. My daughter went to XXXX, a for-profit school out of XXXX. We were given no financial aid right out of the gate so we took multiple loans in my name ( her mother ) -all Federal in the beginning. The school had defrauded us by saying they will place her in an externship making good money, she made $ XXXX/hr on her XXXX ... not nearly enough to start making payments on the loans. The school told us it had a XXXX % job placement after school. That was also a lie. The school also told us it was accredited. Upon her trying to further her education down the line, it is now known the schools accreditation is lost and her credits are not able to be used as a base for furthering her education. The degree that we continue to pay for is utterly useless as no one accepts these credits. We were looking into Loan Forgiveness from being defrauded by the school, but were told since our Federal Loans were consolidated into private loans and they could not assist-even though the loans originally were federally backed. I have asked about Income Based / Income Sensitive repayment, which works for a time being all the while not touching the total amount due and tacks on interest, etc. and is not a solution by any means. I have extended repayment already and as long as it goes just to get the payment down and even that payment we struggle to meet every month. There needs to be a resolution here and we did n't realize that going to a for-profit school would become this kind of a hassle.
I have called several times for PAYPAL MASTER CARD update my BALANCES and send to the credit bureaus with URGENCY. They keep not reporting the current balances.
I live in XXXX I recently applied for a refinance loan with 53 Bank to combine my mortgage and equity loan together for a lower interest rate. I have had my mortgage and equity loans with 53 Bank for over XXXX years. 53 Bank recently ( XX/XX/2015 ) did an appraisal of my home with a company XXXX XXXX located in XXXX. The appraisal valued my home at {$60000.00}. The appraisal appeared to be based on foreclosed properties and/or condo properties. At one time 53.com appraised my property at {$140000.00}, a couple of years ago at {$120000.00}. 
My complaint is that I feel that 53 Bank uses improper appraisals to deny mortgage loans in my area
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX requested I update my XXXX XXXX Credit Card information, which I gladly did. 

I submitted, per XXXX XXXX XXXX request, copies of the front and back of the following items : 1 ) My Social Security Card, 2 ) my driver 's license, and XXXX ) my Ally Bank statement. I sent these documents twice via XXXX XXXX numbers XXXX XXXX XXXX XXXX XX/XX/2018 ) and XXXX XXXX XXXX XXXX XX/XX/2018 XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX as XXXX XXXX by XXXX XXXX Mail to XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

I have had this XXXX XXXX credit card for approximately 15 years and have never missed a payment or been delinquent. I have a perfect credit with XXXX XXXX. 

Communications with XXXX XXXXk have led me to believe they are treating me unfairly and unlike other holders of XXXX XXXX credit card. I am not sure if it is racial profiling by XXXX XXXX   because there is no reason my XXXX XXXX credit card isn't working properly. 

XXXX XXXX
I am submitting a complaint about Ocwen 's recent handling of my upcoming foreclosure auction sale that has been scheduled for this Monday XXXX XXXX, 2015. I was lead to believe that the sale date would be postponed until I could gather the funds required for my mortgage reinstatement. Unfortunately today I found out that the sale date had been reinstated without notifying me. I actually found out about the resumption of the sale date from a foreclosure website alert rather than even receiving a courtesy return phone call from XXXX XXXX who I had just called on Wednesday asking for an update on my postponement status. Proper protocol has been circumvented and my homeowner 's rights have been abrogated illegally.
Between XX/XX/XXXX and XX/XX/XXXX my idenity was compromised while on XXXX XXXX. For the last several months I have been working with the Federal Trade Commision, CFPB, XXXX, Equifax, and XXXX  to get the fraudulent accounts below beneath my name. The original creditors have responded that the account were fraudulent and the accounts were removed from my XXXX and XXXX report. However, as of todays date the accounts below are still reflecting on my account. The FTC has marked the Equifax uncooperative and my attorney has sent a intent to sue letter to Equifax 's legal team. I am currently undergoing economic harm and demand Equifax take he following account of my Equifax report. Equifax has been sent police report t=plus FTC report number yet as not investigated nor removed the items from my report in the past 90 days. 


Please note ... future responses will be forwarded to my attorney, the FTC 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX
I received a report from my ID protection service that TD Bank ( Formerly XXXX ), on XX/XX/XXXX reported to the credit reporting agencies, reported by XXXX that I had filed for bankruptcy on that date and this was described as " potentially negative information. I had been discharged under Chapter XXXX in XX/XX/XXXX and have recently restored my credit score to XXXX by XXXX credit reporting agency. I wrote to TD Bank 's Chairman 's Office and they have chosen to ignore my request to have this erroneous report removed from my credit profile.
On XXXX XXXX, I bought airline tickets using my Bank of America credit card, on XXXX XXXX website ( XXXX ). There were a total of XXXX transactions on my statement for this purchase : XXXX tickets ( {$1000.00} each ), plus XXXX seat upgrades ( ranging from {$29.00} to {$100.00} each, for a total of {$530.00} ). 
Despite the fact that these tickets were purchased on a US website, from a US merchant, in US dollars, Bank of America charged a foreign transaction fee of 3 % for each of those XXXX transactions, totaling {$80.00} in fees. 
I contacted Bank of America and requested that they cancel and refund these fees. Bank of America representatives maintained that the fees were correctly charged and legitimate as the transactions were processed in XXXX, and refused to refund them. 
This is a deceptive and abusive practice as there was no way for me at the time of the purchase to know that there would be such a fee ( as, again, I was making a transaction with a XXXX merchant on a XXXX website in XXXX dollars ), and therefore I could not avoid those fees ( by, for example, choosing a different method of payment ).