WillisBack/dataset-financial-user-claim huggingface dataset:
BMO Harris Bank ( XXXX XXXX XXXX ) XX/XX/2018 : There is a pending charge of {$150.00} on my checking account. At the time of the charge pending there was only about {$6.00} in the checking account. To avoid fees and returned items the bank advises to make a deposit before XXXX CST. I make a deposit of {$140.00} cash with a receipt time stamp of XXXX XX/XX/2018 ; I go on to deposit {$160.00} in a check from a local bank with a time stamp of XXXX XX/XX/2018. The next morning about XX/XX/2018 about XXXX I check my account online and see that the only deposit showing is the check deposit of {$160.00} ; the cash deposit is no where in sight. I contact the BMO Harris 24 hour customer service line and I speak with a representative who informs me that she also is not showing a cash deposit and advises me to launch an investigation. I do so by providing the deposited amount and the ATM location. My main focus at this time is to ensure that the pending item is paid. I am advised to contact the ACH department before XXXX CST to request the item to paid. I do so and am denied with the bank citing no available funds to honor payment of the {$150.00} item ( my account was still reading a negative balance of - {$140.00} at close of business XX/XX/2018 ) and I was charged a {$35.00} returned item fee from BMO Harris and later a {$25.00} returned check fee from the merchant. I stayed on the phone with this bank from XXXX until close of business XX/XX/2018 ; to no avail my item was returned. On XX/XX/2018 the {$160.00} check deposit was made available, the {$140.00} cash deposit was made available, and {$140.00} provisional credit ( for the missing deposit ) was made available, there was a reversal of a provisional credit of {$500.00} leaving my account negative $ XXXX. I made a deposit of {$840.00} ; however XX/XX/2018 is a weekend day and I was charged an overdraft fee of {$36.00}. On XX/XX/2018 the provisional credit of {$140.00} was reversed and debited back to my account ; I requested the bank to credit my returned check fee of {$35.00} and {$25.00} as well as the overdraft fee of {$36.00}. BMO Harris denied my request citing previous reversal of fees as if they were doing me a favor and all of this was not contributed due to a bank error. I have spent over 14 hours trying to resolve this matter ; no one listens and no one seems to care.. Please note the morning in which I opened the investigation I did not have my receipt from the deposit as I had thrown it away ; to aid the investigation ; I left home at XXXX to go through trash at a laundry mat where I had thrown the receipt away, on the way home I have a car accident ; I call BMO Harris to inform them I now have the receipt to add to the claim and the representative says she doesn't need it, the investigation was already sent! Horrible service a perfect example of why companies need to use uniform customer service.
I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?
On XXXX I went into my local XXXX Bank of America Branch because of a Levy on my account. I was given a phone number to call. I contacted the Rep at the bank who would not provide anything but a phone number to call and a reference number. The Levy was initiated in New York against my business. The Legal Department would not communicate with me or my Attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. I specifically inserted compliance with the Rep. XXXX XXXX XXXX of XXXX Law in New York. The bank refused me access to {$2600.00} and began charging insufficient bank charges. The Bank allowed Levy of a personal account that is for my husbands Workman 's Comp, XXXX XXXX Check in the amount of XXXX, as well as the personal account had less then XXXX in it at the time. This is above the legal limit to freeze and account in the State of New York. 
All bank charges, including XXXX on {$100.00} Legal Order and charges for returned checks have not been returned. As of XXXX XXXX, I have not received any writtten documentation from the bank or the exempt form required by law, neither has my attorney received these documents. I have also referred this to the New York State Banking Department.
Dear Consumer Financial Protection Bureau, XXXX XXXX, writing to clarify that this debt in dispute, may be illegal in his collection process.

According to FDCPA ( Fair Debt Collection Practices Act ) 809. Validation of debts ( a ) Notice of debt ; contents ( b ) Disputed debts, firstly, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt so If the company does not provide verification within 30 days, the FDCPA prohibits them from continuing to contact you or reporting the debt. And the company didnt provide itemized bill statement as I requested. But they suddenly report to credit bureaus after one year of the initial communication. 
I doubt the amount is not correct. The company did n't provide itemized bill to validate this amount, but they still report to all the 3 credit bureaus. 
Secondly, the company fails to provide the validation response in 30 days, but they continue their collection activities suddenly after one year. 
Thirdly, in the coming notice letter, they did n't mark the steps how to dispute and legal rights that I can dispute. I was only told I owe the money, and they assume it is valid. 
Therefore, I think this collection report is illegal. Please help me how to appeal to this collection case?
I regret to say I have not enjoyed being a customer of XXXX. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?
Almost two weeks ago, Ally 's fraud prevention contractor called me about a potentially fraudulent purchase. I confirmed that the transaction was unauthorized, and then called Ally 's customer service to order a new card. Both times, I confirmed whether recent transactions were fraudulent or legitimate. Ally told me that the fraudulent charge would not post. 

However, a few days later, the charge indeed posted, so I sent a message to Ally reminding them about our earlier exchange. After initially refusing to discuss the transaction over " secure messaging '', Ally claimed that the charge in question was an entirely different transaction, even though it was from the same merchant, on the same date, and for the same amount. Even though I thought we had resolved the fraud earlier, Ally insisted that I fax ( yes, fax ) some forms to them. After I replied that I had no easy access to a fax machine in 2015, Ally reluctantly agreed that I could instead email the forms " as a last resort. '' They confirmed my email address, and later said that somebody from their " executive response team '' would contact me. 

A week and a half after the fraudulent transaction, I received the mailed forms, but apparently they forgot about the electronic copies that they said they would send me. I 've also yet to receive the promised call. It seems they 've lost interest in my case, though at least I 've finally received my replacement debit card.
Hunter Warfield is representing an XXXX that I visited and i was told i was DENIED the day of MOVE IN after signing the lease.I was assured the lease was not VALID. There was a computer error and they claimed I did not make enough money. I was short XXXX of the XXXX financial qualification. Years later I see this apartment community on my credit file. I was told by the credit bureau to submit the affidavit because the manager claimed the unit was rented and someone lived there under my name. I have mailed and faxed a idenity theft affidavit, A third party company named XXXX has also sent information to validate said information. I have sent my photo ID upon request and now they are using it as if they had it from the beginning.
{$570.00} is the amount that XXXX XXXX XXXX says I owe. No actions on their end was taken and I have not received anything regarding this debt. The debt was placed on my credit unfairly on XX/XX/2016 as I never opened up a bank account with XXXX XXXX XXXX.
Account # XXXX creditor-XXXX, is not reporting correct information. 
This account is NOT in Forbearance I have requested to have forbearance removed since XXXX XXXX, 2015 and I resumed making payments starting XXXX XXXX, 2015. A payment of XXXX was drafted out of my banking account on XXXX XXXX, 2015 from XXXX so how can this account be in forbearance? According to last credit report which was obtained on XXXX XXXX, 2015 it still shows last date reported on XXXX XXXX, 2015 by XXXX under Comments section ; account in forbearance this is Not accurate credit reporting. I am asking for the fifth time to have this comment removed. This is Not fair credit reporting.
In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student  loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
I was receiving XXXX. My XXXX stopped temporarily due to issues with the company handling the XXXX. My attorney referred me to Oasis lending during these periods. I borrowed XXXX in the end I was required to pay XXXX
I signed up for XXXX XXXX XXXX card and I always paid of my credit every month I had good credit history. I started off with XXXX and they went up to XXXX because I always paid on time. When they made the switch to Citi Bank they didnt notify me and I had credit that still had to be paid off on XXXX XXXX XX/XX/XXXX I didnt even know where to go I kept logging in on my XXXX XXXX but it wouldnt let me from XX/XX/XXXX till XX/XX/XXXX. Finally in XX/XX/XXXX I received a card and a late fee notice that they were going to go to collections with my debt. I tried multiple times to call back and forth and settle it with them from XX/XX/XXXX - XX/XX/XXXX. I made payments to try and catch up. I finally took out a loan from my bank to pay it off because I did not want to hear from them any more. I would make my payments on time and they still would call saying that I owed money. After paying off the card in XX/XX/XXXX they sent me a statement in XX/XX/XXXX for money I paid off. I called a representative and they erased it and apologized. I have been on it with my credit history before citi bank.
U.S. Bank paid out of an escrow account for Loan # ending in XXXX for a property insurance policy other than the property assigned to this loan. When the error was brought to U.S. Bank 's attention they not only refused to correct the error, they refused to discuss the matter with me, the account holder, and insisted on discussing it with only my insurance agent. The matter was never corrected. U.S. Bank refused to accept the loss due to their negligence and have withheld the money paid out in error from the loan pay off on XXXX XXXX, XXXX. I understand the law requires reserves and accounting for the escrow fees within the monthly mortgage payment. This is not the issue here. The problem is that U.S. Bank, through their own incompetence created the shortage in the escrow account and refused to correct the problem. Instead they merely demanded that I, the mortgage holder, make up the shortage they created by carelessness in their accounting. This is a habit of U.S. Bank. I closed my checking accounts with them due to their processing debits from another person 's account through my account instead and denied this to be fraud. They have made up fees and charged my account for items I did not purchase because they chose to without cause or reason. They have withheld funds illegally claiming their accounting allowed this. The most recent was at payoff of this loan on XXXX XXXX, XXXX. The account was paid up for XX/XX/XXXX including the mortgage insurance of {$51.00} for XXXX XXXX. However, U.S. Bank held the funds for the mortgage insurance for XXXX XXXX, XXXX XXXX and XXXX XXXX, as well as the escrow shortage from their admitted disbursement error. 
I am appealing to this board to investigate U.S. Bank 's form of accounting, correct same and return my funds of {$710.00} for the property insurance policy paid in error and the {$100.00} in mortgage insurance and the {$230.00} in the escrow impound that should be returned to me from closed escrow account since loan is now paid off. The total U.S. Bank owed me is {$1000.00}.
Hello, I received a letter from the Law Offices of Maury Cobb. I spoke with a gentleman named XXXX XXXX. He explained that I had a collections account with XXXX for XXXX. I explained to him that it was not possible as I was not under contract ( ten year customer ) at the time I left tmobile. He said he had no information and that this is a law office and there is a judgement against me to take the money and that I must pay. I called tmobile and they did not have any information on me and said that Maury Cobb had purchased my account. From my research I have seen that XXXX XXXX has had substantial litigation and claims against him for false debts and tactics. I have sent letters to all XXXX credit agencies explaining the situation. I also included letters from the department of homeland security and office of personnel management stating that my social security number and other identifying information had been compromised. This has been a long battle and I am trying to restore my credit. XXXX XXXX XXXX 's office has not been helpful in the least. 

Respectfully,
Navient has continually made it difficult to understand there loan collection rules. Next to impossible to acquire accurate information. Upon calling it 's difficult to get an actual person on the phone. The online account for loaners is never up to date with current information displaying inaccurate balances, payment dates, and other loan status information. Aggressive collection practices.
Two fraudulent charges were made to my credit card. Both charges were for the amount of {$480.00} and were paid to XXXX. The first charge was made on XX/XX/XXXX and posted on XX/XX/XXXX, the second charge was made on XX/XX/XXXX and posted on XX/XX/XXXX. I reported the fraud to the card issuer and they got back to me in writing stating the fraud was suspected and issued a credit to my account for {$480.00} for the first charge, the XX/XX/XXXX activity. When I did not get a disposition on the latter fraudulent charge a called and asked them to reopen the case to include the second fraudulent charge. They said they would but it has been 2 months and I have not gotten a refund for the charge nor an explanation. I have called customer service at least 8 times and they see the problem, but can't resolve the issue. I spoke with a supervisor 10 days ago and she assured me she would take care of the fraudulent charge yet it still is on my statement as a legitimate charge, in fact, they are charging me interest on a bad charge.
Hello, My credit rept. shows a mortgage with XXXX, I do not have a mortgage with XXXX. Our ONLY mortgage is with : XXXX XXXX XXXX XXXX 
loan # last 4 : ... ... XXXXplease update your report ... ... ... ..
Carvana financed me a used XXXX XXXX XXXX, during the application process Carvana requested a XXXX dollar down payment. i Agreed and used a third party app called plaid that Carvana provided- This third party took my banking information and would process XXXX as an ACH on the day of delivery of the car. 

When the vehicle was delivered XX/XX/XXXX I signed the paperwork and was good to go. 2 weeks later I was called by XXXX XXXX she informed me that for some reason no one knows the ACH never happened, she wanted me to mail a money order overnight or Carvana with " unwind '' the loan and take back the car. i told her that was not possible due to a fraudulent occurrence with my bank account. She told me to bad and Carvana will be taking back the car- i have since called Carvana 5x to get the car picked up from my home and each time they tell me someone will call me to pick it up ... .but no one has! 

I'm about to make a first loan payment to a car i won't own ...
Equifax refuses to give me a free credit report. Equifax has never provided me with a free report since the implementation of AnnualCreditReport.com. 
1. From XX/XX/XXXX-XX/XX/XXXX, Equifax refused to provide me with a free copy of my credit report, stating that I did not know what my previous address was. I did not attempt to get a credit report from Equifax again until XX/XX/XXXX. 
2. XX/XX/XXXX, Equifax refused to give me a free credit report because I could not answer a series of false questions and answers. All the questions and all the answers were for accounts that I have never had or authorized. These include XXXX questions about a mortgage-I have never had a mortgage in my life. I attempted the " quiz '' 5 times XX/XX/XXXX and XX/XX/XXXX 
3. I submitted all the hardcopy documentation and forms required by AnnualCreditReport.com and Equifax on XX/XX/XXXX. 
4. I received a letter from Equifax on XX/XX/XXXX, dated XX/XX/XXXX, stating that Equifax refuses to give me a free credit report and that I must pay {$7.00} for a report. The letter also stated that I must re-submit all the documentation I already sent. 
XXXX. The other XXXX credit reporting agencies both provide me with a free annual report and all of their information and authorization questions are correct.
My name is XXXX and I have already file a complain with CitiBankI. Case number : XXXX on XX/XX/2017. CitiBank answered that I was treated as many other clients and this is the reason that they denied my request of not paying late fees and accrued interests. I believed CitiBank did not acknowledge any of the points in my written complain. Therefore, I would like to contact them again and I would like CitiBank again to consider a solution to my debt credit situation. 
1. I requested from them to send me a paper bill which they have not done. 
2. I keep paying my debt every month more than {$500.00}, even I considered this debt to be unfair. 
3. I tried to contact XXXX, Citibank representative. I left my phone number and I have received no calls from him so far. 
4. Again, you have my letter and my plead to Citibank, I hope we can find a resolution in benefit for both parts.
FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS LOAN DEPOT. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" XXXX XXXX '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.
i just became a young adult ( XXXX  years of age ), i went to the bank to see if i qualified for a credit card so i could establish my credit score because as of right now i currently have no credit score.  something was wrong with their system that day ( wifi ) i didnt get approved. and now as of right now i have 4 hard inquires on my credit report. only 1 of the 4 were authorized with my permisision.
I did an online purchase at XXXX XXXX XXXX for a sofa. Their website stated that they would charge a 50 % deposit once the order was confirmed by the local store and a swatch of the material was delivered. Instead they posted a pending charge for the full amount. I asked the eCommerce site to delete the hold and they did not. I asked Citibank to delete the hold and they stated that they could not do so, I can not do so, only XXXX XXXX XXXX can do. However I can not get anyone in XXXX XXXX XXXX to make the call to Citibank. In the meantime they placed an additional pending hold again for the full amount so now my credit line is reduced by XXXX. I cancelled the order and XXXX XXXX XXXX says the pending holds should drop off in a few days. They refused to make a call to Citibank. This is not acceptable. Credit card customers should be able to instruct the card company to delete pending holds. It is outrageous that we do not have control over that function. I need to buy new XXXX XXXX and the reduced credit line is preventing me from doing so. I need this fixed now.
Equifax is reporting erroneous information regarding my XXXX XXXX XXXX account. I have been notified that one of the accounts is listed as included in bankruptcy and that is incorrect. I have disputed this info but to no avail it is coming back the same and I do not understand why this is happening time and time again. Pursuant to the law, student loans can not be included in bankruptcy unless a dire need is confirmed. None of that has happened and loans were not included in bankruptcy. This is affecting my credit standing with a new home loan. Please either correct or delete.
Revenue Enterprises {$1000.00} Origin was for the XXXX XXXX Colorado it was in XX/XX/2014. This Bill was for the XXXX XXXX back in 2014 I was XXXX Years old at the time and my mom took me to the hospital so I am unaware of what type of insurance I had. I have not received notice of this collection, I am young and I did not know about credit scores or how any of it worked. I have recently started to look into my credit and want to get back on track and fix my credit score.