WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2016 my checking account at Bank of America had a positive balance of {$1100.00}. During the day XXXX electronic debits were presented for payment. They were in the following amounts : {$1400.00} {$33.00} {$6.00} {$.00} Rather than post the XXXX smaller amounts to my account first, which would have been covered by the positive balance, Bank of America, in an effort to create Overdraft Fee Income, posted the largest item first, thereby creating an overdraft balance, them posted the remaining XXXX items. 
The result was the charging of XXXX overdraft fees of {$35.00} each rather than XXXX. 
On XX/XX/2016 another electronic debit for {$7.00} was posted and another {$35.00} overdraft fee was accessed. 

This is an egregious process. To begin with, why did they post the largest item first? Next, its unconscionable to charge {$35.00} for a sub {$10.00} electronic debit. There is no credit risk since they paid the large item and only created {$330.00} overdraft. I have been a customer of the bank for over 10 years. 
Had they returned the item, I would have only been accessed {$35.00} instead of {$170.00}!
I tried to purchase an outdoor swing set from XXXX. I entered all of my information including credit card and was told it didn't process. On my next statement dated XX/XX/18-XX/XX/18an amount had posted for a different amount to XXXX XXXX XXXX. I sent XXXX  an email asking them explain what was going on. After a week I disputed it with the credit card company. Stated to them that I should not have been billed, but I believed my card number was compromised and had sent XXXX an email asking to confirm with no response.. the email was sent on XX/XX/XXXX to XXXX card company sent me a letter claiming they had tried to contact me for more information, they never did, and sent a denial letter on XX/XX/XXXX. I contacted them again, gave them the information they were looking for and they sent me another denial letter on XX/XX/XXXX again for insufficient information. I now see why people say such bad things about U.S. Bank.
Original order for the XXXX XXXX XXXX XXXX XXXX was made XX/XX/XXXX, a shipping notification was sent to meXX/XX/XXXX but I did not receive any package.

I found out a week later that XXXX  delivered the item ( Tracking # XXXX  ) to an access point at XXXX XXXX  onXX/XX/XXXX.

On XX/XX/XXXX, I picked up the equipment at the XXXX XXXX XXXX. Equipment was not unable to be installed as the apartments wall jack for cable was concealed with paint and can not be fixed. Equipment was then returned to the XXXX  store unused on XX/XX/XXXX ( Tracking # XXXX ). I made another phone call to XXXX XXXX XXXX for cancellation confirmation ( Cfm # XXXX  ) and dispute past statements. Representative named XXXX confirmed that no payment was needed and it will take 7-10 days to process documentations/letter. I received XXXX XXXX XXXX survey in regards to cancellation request onXX/XX/XXXX but then a letter stating that a final bill was sent with the balance due of {$220.00}. Noticed a collection notification from a company called XXXX  on XX/XX/XXXX, I therefore called XXXX XXXX XXXX again XX/XX/XXXX to file another complaint, representative named XXXX  advised to wait for final bill as it was never send out and advised me to wait. I never receive a formal final bill but multiple collection notifications from a company called Diversified ( Dated XX/XX/XXXX andXX/XX/XXXX). I checked my credit report and noticed a " collection '' status. I filed a dispute online with Diversified XX/XX/XXXX but did not hear hearing anything nor confirmation email.
Mountain land collections called me and stated I had an outstanding amount owed to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX. I explained to them that XXXX/XXXX had deducted XXXX a month from my credit card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX and that the bill was paid in full. I then received a Request for Payment from Mountain Land Collections on XXXX/XXXX/XXXX stating I owed the above amount and had 30 day to dispute it or a negative credit entry may be placed on my credit report. The letter stated that if I disputed the amount owed within 30 days they would send me validation of the debit before any negative entry would be placed on my credit report. On XXXX/XXXX/XXXX I had my attorney draft a letter responding to the Demand for Payment and sent them my credit card ledger showing all the payments were deducted from my credit card every month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX they did not responded to the letter or send me or my attorney anything. On XXXX/XXXX/XXXX while attempting to refinance my home I was informed from XXXX that Mountain land had placed a negative entry on my credit report reducing my credit score by XXXX points from a XXXX to a XXXX and causing the mortgage company to attempt to charge me a huge interest rate on my loan. I was also informed by XXXX that they had now placed a negative entry on there credit reporting agency on my report. I do not owe any money to XXXX or XXXX. The amount was paid long before it was ever sent to mountain land.
I was contacted by phone with a blocked phone number twice on XXXX 2016 at XXXX & XXXX by a woman who would not give me her name or any info about her other than it was her job to contact people to have them call XXXX about a very serious legal matter and I must call them right now. I did not respond due to the call coming from a blocked number and she would not give me any more information. At XXXX I received a call from the number she told me to call XXXX which I did not answer. At XXXX an I received a second call from that same number which I answered. the woman asked if I was blank blank and I said yes who are you. She replied she was a legal debt collector and she had a warrant for my arrest on charges of check fraud. I told her I had no idea of what she was talking about. She stated I took out a payday loan with XXXX in the amount of {$1700.00} dollars with the intent to defraud the bank out of the money and if I did not repay that amount right now I would be arrested today and have to pay a court ordered amount of over XXXX because of attorney and court fees. Then she said I needed to make the payment now or go to jail. I told her I do n't know who that payday company is and I never got a loan from them.. She stated the name of the creditor could of changed since they have been trying to find me for years and never got a hold of me and they just took over this account from another creditor. I told her I need to know who it is the are saying I owe and how much was the original amount of the loan they claim I owe. If they gave me the information and I could verify I owe money to a payday loan company I would have to make arrangements to repay the loan with monthly payments of XXXX to a XXXX dollars a month. She said pay it all today or go to jail. I told her I do n't have any money right now and I am not going to pay on a loan from a company I know I never dealt with. She said they know where I worked and where I live and she did not want me to go to jail today so if I could pay {$500.00} dollars today on a prepaid visa card she would stop my arrest and give me a few more days to pay off the balance. I told her again I have no money and do n't owe the money. She said she would give me 24 hours to get a pre paid visa for {$500.00} dollars or she would have the judge have me pay the {$3000.00} dollars and I would go to jail. I told her to get back to me in 24 hours and I would work on what to do.. She said she would call me tomorrow for the money.. END of the discussion 46 minutes. I then called the Indiana government consumer protection line and I was told this is a scam they do it all the time. They have no power to arrest me and they want a prepaid visa because the money is not traceable. They told me not to answer any more calls from them.They did send me a email to pay the full amount of XXXX or I have 3 days to dispute this debt in writing to their office or they will assume the debt to be valid.They did call me today at XXXX XXXX/XXXX/2016 I did answer and I told her I know its a scam and do NOT call me again. She said have a photo ID on you, your going to jail today and you will pay {$3000.00} dollars. I hung up on her.
I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
I am current student finishing up my XXXX XXXX. In XX/XX/XXXXdue to family issues I had to take off some time from school. I have been attending part time since last year and returning full time in fall. 

But in XX/XX/XXXX during my transition period of XX/XX/XXXX to XX/XX/XXXX I wasn't able to make payments, but since then have caught up and am in good standing. 

I think its goodwill for the XXXX XXXX to understand that only for a brief time is any able to make payments. This should not count against me because I am in good standing now and at the time circumstances were out of my control.
XXXX of XXXX XXXX  has been reporting incorrect information to my credit report since his company acquired my loan back in XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XXXX XXXX has requested a garnishment of my wages. The court case was in XXXXXXXX XXXX XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.
This complaint refers to a prior submission XXXX regarding the improper actions taken by Signature Bank in reference to two loans that we have with the bank secured by two cooperative apartments at XXXX XXXX  and XXXX at XXXX XXXX XXXX, XXXX XXXX, NY. I have submitted feedback on this complaint however I am not able to provide attachments on the feedback submission so I have formed this complaint to provide the attachments
GM Financial took money via ACH without my authorization and my account was over-paid. Then, they said it would take 14 days to pay me back. I paid my lease in full on XX/XX/2018 and cancelled further ACH withdrawals. They must not have updated their system on time and still pulled the money out of my account on XX/XX/2018. 

I understand mistakes happen, but I paid my lease payment on the due date every single month via ACH, not a single day late for the entire team. 

They take money out of my account on a unauthorized basis and take 14 days to pay me back? 

unacceptable.
Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to Midland and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX  has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file
I submitted a dispute to Experian and XXXX  about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX  deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. Experian and XXXX  have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can Experian and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian or XXXX. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.
In the month of XXXX 2017, I called XXXX XXXX to inquire about services, products and prices. I immediately and specifically told the representative that I DO NOT give authorization for them to check my credit report because I was n't sure if I wanted the service at that time. I was simply conducting a comparison with other providers in my area. The representative assured me that he would not check my credit. I was given some information and told him if we decided we wanted service with XXXX XXXX, I would call back. I now have an unauthorized hard inquiry on my credit report from XXXX XXXX dated X/XX/17. I am not happy and totally disturbed that I would be taken advantage of so quickly and easily simply because I wanted to know about the company 's services and products. I was a former XXXX customer so once I gave the representative my name and address I 'm sure that 's how he obtained my social security number. This is fraud and I want it removed! 
Thank you for your services.
I obtain this loan in XX/XX/XXXX. Since the first payment date in XXXX of XX/XX/XXXX, I have never missed a payment and it has always been on time. In XXXX of XX/XX/XXXX I filed bankruptcy, but we reaffirmed the vehicle. I have made a payment every month since then. XXXX is who this loan is through and I have called them numerous amounts of times about the loan and payments not reflecting on my Credit Report. I've spoken to my lawyer who has assured me that on XX/XX/XXXX the reaffirmation letter was sent to XXXX Lawyers and that the car payment should show positive on my Credit report. Speaking with several different people and departments at XXXX, no one seems to be able to give a clear answer on why it is not and they can not even see the loan on my account, yet I have the loan payment history showing the account number and when it was taken out of my account monthly. I am trying to rebuild my credit and not having this show is not helping it at all. I am at a loss on what to do since the people at XXXX can not help me. 

Thank you XXXX XXXX ( XXXX )
contacted TRANSUNION 10 TIMES BY PHONE AND BY FAX TO GET MY NAME RIGHT THEY SEEM TO NOT BE ABLE TO GET IT RIGHT My name is XXXX XXXX XXXX XXXX just that name may be you can get them to get it right thank you
I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.
A JP Morgan Chase & Co. credit card was applied for using my personal information and 2 charges was placed onto the card for the total amount of {$13000.00} I reported the fraud incident to Chase in XX/XX/2017 with a supervisor closing the account immediately. Chase evidently did not remove the amount charged and cancel the credit card as stated, so several months later I randomly began receiving billing under what appears as a different credit card number. Chase asked me to send a fraud affidavit with a copy of my driver license and personal information. Chase never called, emailed or sent any written response confirming they had received my affidavit and what they were doing with my information. Since sending my affidavit I have spoken with fraud supervisor after supervisor with zero results. I have asked for a US based English speaking supervisor or above and I believe Chase is misrepresenting their staff, as each supervisor I have spoken to is a foreigner trying to speak English on what appears as a US phone number. I have repeatedly requested a copy of the signed credit card application that they say was applied by me. They have refused to provide any such application. They have required me to continue paying for the minimum payments and claim they are investigating. I do not believe there is any investigation and as I have mentioned to previous supervisors there should NOT be any monthly charges necessary during a investigation and why did you close the account and several months later Chase decides to reopen a new account with zero communication with me. I have asked how the application was completed and signed i.e. by mail or if completed on the internet then what IP address initiated the application. It would appear Chase could easily check my IP address to confirm I did not make application. Again, they ignore all requests for any documentation. I have never applied for a Chase credit card, and I have not authorized anyone to use my personal information to make an application for a credit card and do not authorize any of these charges. Chase states in writing a Zero liability protection for unauthorized purchases and fraud protection. Chase endorses this policy in writing yet I am still having to pay a minimum payment in order to maintain my credit score and good credit bureau reports. I have fraud alerts in place at all 3 credit bureau 's and attempted twice to get the county Sheriff 's office to make a fraud report but they unfortunately said it is between me and the credit card company. Chase has violated not only federal regulations but their own written rules and promises to their customers.
In   XXXX  , I was denied employment with  XXX  due to false negative debt reporting by Bank of America. Bank of America reported that I had over {$10000.00} in negative debt, which was a disqualifier for  XXXX  Applicants. Though Bank of America apologized and admitted fault for the errors, I sustained damages that I was never compensated for. Presently Bank of America reports that my mortgage loan is abandoned though it is paid as agreed.
I initially disputed this debt with the credit bureaus back in XXXX XXXX, with the results being that the account was verified as being mine. I have since sent the collection agency request for debt validation to the fax number that has been provide by them, however they repeatedly say they did n't get the faxes though the faxes state they were successfully transmitted. I have spoken with a representative at this collection agency and was advised of the company they were collecting on the behalf of. I contacted the company that is listed as the Original Creditor that this collection is " supposedly '' collecting on the behalf of and they do n't have any information in their systems for me nor that I ever had an account with them in any way. I was advised by XXXX at Capstone that they were collecting on behalf of a property management  company by the name of XXXX, after doing extensive research and placing calls to the company that I did find with this name, they have never been affiliated with anyone " supposedly involved '' with this account, not Capstone Credit & Collections nor River Oaks Apartments. In fact, Florida is a state in which companies must be registered and licensed, and the XXXX company I pulled up is not " licensed '' and is not active. 

I have sent them this information and they continue to report this account to the credit bureaus.
I am contacting your company because XXXX XXXX and XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Portfolio Recovery Opened XX/XX/2015 + {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
US BANK has sever offer online, but I opened credit card with them, I finish the requirement but they did not give me back the bonus. 
Now there are XXXX accounts has offer I should get but I did not, it is all like spending XXXX in 3 month and get XXXX back. check on there website page online XXXX ). and page ( XXXX ). I 've chatted with customer service phone team, they did submit request for it, but they told me they need the fine print? It is absolutely public and everybody could access to that link and see the offer at the first place. 
{$100.00} New Cardmember Bonus after you apply online and spend {$500.00} in the first 90 days of account opening. 
And the marketing team give me back a saying that I should get XXXX rewards, but that is actually regarding to the checking offer. My summer checking offer package. Code is XXXX. After I mentioned that, they do not reply me as they do not have other excuse, yet they deny the deal and offer they should give to me. 
They obviously listed everything online loud and clear, I feel frustrated about their decision.