WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a complaint about TD Bank. I have had an individual personal checking account with this bank since they took over from XXXX. Their routing number is XXXX and my account number is XXXX. On XX/XX/2017 this account was debited for {$4600.00}. The account also had a hold put on it for the same amount resulting in a net debit of {$9200.00} and subsequently overdraft charge. Since I was unaware what this was I visited the XXXX NJ branch at XXXX on XX/XX/2017 and spoke with their representative XXXX requesting an explanation. He indicated that my son 's student checking account was overdrawn, an account that I had been added on to. I asked him for a copy of the overdraft notice that was sent to me. He was unable to supply it indicating it was sent to the address on record. I asked him if it a notice was sent to me, not my son as I never received anything. He again indicated a notice was sent to the address on record and would not confirm if one was sent to me. I then asked for the copy of notice sent to me indicating they are debiting my account. He replied that they have the right of offset and are not required to send a notice. So, at this point I was not notified of the overdraft on my sons account or debit on my personal account. Finally I asked why my account was debited and put on hold resulting in a double debit. He reviewed the account and indicated it was a bank error and removed the hold and credited back the overdraft charge. The handling of this situation has caused this complaint.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Utilities Account Number Num : XXXX Balance {$700.00} Dear Sir or Madam, I am writing in regards XXXX City of XXXX Utilities Account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 
As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
I discovered fraudulent activity on this account in XX/XX/18, $ XXXX.I contacted the company without any resolve.
I was living in XXXX XXXX OH for 3 years. I have moved out to new location. after few days settlement charges are sent. It was {$710.00}, an unbelievable high charge. one of the item that an electric stove was asking {$480.00} dollars by saying reason that spoiled by me. Actually I used to cook at last day also there. I opened top cover to cleanup before moving out. the new similar stove in market is {$350.00}, also apartment given me old stove that have an appraisal value of {$150.00}. 

I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.
my mortgage statement indicates my payment increased from $ XXXX to $ XXXX in two months, how is this possible and there is no way I can pay that amount. I need answers and I have not been able to get my IRA transferred to Wells Fargo to pay the negative escrow balance of $ XXXX. I am so confused and do n't know why the bank is hurting me so bad. I originally purchased this home for $ XXXX and now their trustee that I do n't know and have not been able to talk to, has my mortgage payment up to $ XXXX and they say my home is being taken away from me today. I do n't know who is telling me the truth and I do n't know why I ca n't get any help. I ca n't take it anymore! I have lost my wife, kids, home, job now and I have nothing left to live for. Please tell them not to take my home and help me get my retirement transferred over to them to pay their fees and add on charges. I know I ca n't fight the big bank but I have been trying to beg for help since 2011!
In XX/XX/2018, I sent a letter along with documentation asking Experian to delete my old address and to update my credit report to the address that I lived at for the last six years ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX   ). Yet, I was advised by a CSR from Experian, that my profile had been mixed up with another individual and that my address was removed. I have been trying to resolve this issue with Experian since XX/XX/XXXX. In result, due to the negligence of Experian, I haven't been able to view my FICO Score on www.ficoscore.com, creditor 's have advised me that I don't have a credit profile with Experian, and I haven't been able to view a updated credit report.
During the week ofXX/XX/XXXX, I reached a settlement on the two credit card accounts I have with USAA. OnXX/XX/XXXX, I paid off both credit card accounts with USAA for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. USAA has reflected the payments I made to the 3 credit  bureaus XXXX, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted USAA on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by USAA I am unable to provide written proof of the settlement. Verbally, USAA acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel USAA is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, USAA needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the USAA accounts that are incorrectly reported.
I woke up this morning and had an alert from experian that XXXX had run my credit and placed an inquiry on my report today XX/XX/XXXX when in fact I never applied for a card. Please look into this and ask XXXX what the address was that was used. I did not ask XXXX to run my social. This is fraudulent.
Experian is reporting a debt for XXXX XXXX XXXX on a debt I do not owe, and not mine. I have filed a police report, Case # XXXX. Experian is the only one reporting this fraudulent debt.
in XX/XX/XXXX I requested proof of signature on loan documents from XXXX 's, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX and XXXX XXXX and again in XX/XX/XXXX. Also have filed several disputes over the last year and a half they keep verify the debt as accurate. I also have file multiple request For XXXX XXXX, XXXX and XXXX. XXXX and XXXX remove the accounts and just recently put they back on my reports no one will prove it I have made over a dozen request with each credit agency and company. I know they can not prove it because I never signed anything.
Repeated calls from XXXX XXXX XXXX, each time I answered the call, they would hang up. After XXXX calls, I called back and discovered it was a collection agency. I asked what debt they were collecting and they said they could not find a debt linked to my phone number. They stated they would remove my number from their database. I checked my credit report multiple times with no debt collection indicated. Two days after the multiple calls, I received another call with a hang up from this number. I called back and they asked if I knew anyone by the name of XXXX or XXXX who could be reached at this number. I told them no and explained the situation from the other day. They continue to call my phone repeatedly during work hours.
I  am one of two truste es that are trying to close accounts for the trust in a trust, funds are at Chase Ban k I am in    XXXX   and the other trustee is in   XXXX   XXXX   chase will not release the funds they said that both trustees must be in the bank at the same time in  person.I a sked if the documents can be sent   XXXX   XXXX   to be notarized and sent back to the bank so I could sign the documents chase refused they said that the other trustee must be in person so sign documents, I feel that is not right as trustees we have been signing documents on line and notarized signatures for other accounts from other  banks.The bank is in   XXXX   XXXX   on     XXXX   XXXX   manager  name  XXXX
On XX/XX/2018, I was assessed {$100.00} in overdraft fees by Regions Bank due to three checks that were cleared. However, I believe that Regions Bank rearranged the order of the checks so in such a manner that would maximize the fees charged. On XX/XX/2018 I received a direct deposit and I believe that Regions retroactively assessed the overdraft fees.When I checked my balance on XX/XX/2018 I had enough money to clear the checks that were presented. However, on XX/XX/2018 I checked my balance and noticed that the aforementioned fees had been assessed. I believe that Regions Bank cleared the checks on XX/XX/2018, posted them to my account on XX/XX/2018 in order to be able to assess the fees.
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this NCA a  third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
There are XXXX accounts that are listed on Equifax report ; neither of which belong to me. Also a child custody late reporting is on my report also ( I have never been late ). I have requested an investigation x XXXX with no information provided to confirm these accounts belong to me. I have provided documentation.
this account has been in collection for years but still reports as an open account.. it's also showing payments being paid on time for the last 3 years then XX/XX/2018 it shows 120 days late. 3. also they haven't responded to my request for validation 4. this is an closed collection account still reporting a balance for XXXX. there should not be an account balance reporting on a closed collection account.
On XXXX while paying bills via the online bill pay service connected to my Wells Fargo checking account I in advertently paid XXXX {$2000.00} instead of {$220.00}. I went to the bank the next morning at XXXX am when they opened to rectify the situation. They told me it was too late - just call XXXX. On XXXX XXXX, I received a call and an email from XXXX to let me know that they returned the entire sum to my checking account. My checking account has still nit been credited with the funds and the banks response - every day is " we can see that the money has been returned but we ca n't tell you when it will be back in your account. Today is XXXX XXXX. This is both ridiculous and dishonest. This is my money - not Wells Fargo 's money. How can I get my money back?
I was signed up for email and text alerts for various account situations. I was getting them just fine. Then they stopped delivering any over draft alerts. This has resulted in many over draft fees and their research department has yet to be able to determine why they stopped. They refuse to refund my fees even as they conduct the research and are admitting that the account functions they advertise do not work correctly.
I never attended XXXX and XXXX XXXX to collect any debt from the school. I have tried to reach out to the school to have them remove the loans from my file but they are not helping me at all. I dont know what steps i need to take to have this negative information removed from my credit reports. Please help!
I received a call from location services saying that I was going to be arrested if I did not pay a debt of {$450.00} and they directed me to call a phone # and gave me a " case number ''. I call them and they also threatened to have my arrested, that I would lose my job, etc. In duress, I paid {$200.00} and then gave them my debit card # to set up payments.
I am continuously disputing with  Freedom Acceptance.  I have disputed with every single credit bureau over 6 times because they keep putting incorrect information on my account. They have 'updated ' my amount owed multiple times with the wrong amount owed making it so I have to dispute again. They keeping changing the loan type from unsecured to secure. It is currently showing as secure and it was not a secure loan. The loan term is different on  XXXX  than  XXXX . The first late payment is different on  XXXX  and  XXXX . The amount owed is incorrect and each time I have reported this, they change the amount and is still incorrect. They would harass my soon ex-husband and myself via email for payments. They were adding on interest and late fees that were an higher amount than what was in the contract. On   XXXX     we were contacted via email saying we owed {$740.00} then on  X/XX/2015    we received another email saying that {$1000.00}. I have asked to have a full disclosure of the amount owed which was not only incorrect but they change the amount owed by cents or dollars so that it affects m y credit score.  They would use harassment tactic via email to try and get their money. In addition ; I submitted a claim to a previous complaint  XXXX  and according to  Freedom Acceptance  they granted me a {$510.00} credit to my account due to their civil lawsuit that they had in Colorado. However I asked for proof and I never received notice or documentation supporting which is required by the Consent Judgment. I Have also reached out to the Colorado Attorney General  XXXX   XXXX  and I am seeking further assistance on this issue.
Transunion did investigate, but they still are reporting XXXX late payments on my XXXX XXXX XXXX XXXX Account. These late pays are a mistake and I have the letter from the company stating such. I need this removed from all of my credit reports as I paid on time as agreed. Thanks so much for your help!
I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were XXXX XXXX Unverified Account and XXXX XXXX Unverified Account, and the Public record XXXX XXXX XXXX the credit Bureaus have not done so and have not deleted these XXXX accounts.
the keep spoofing their phone number so I will get three calls back to back to back from GC services from different numbers, I asked them to stop calling me from different numbers and so frequently ... I would actually like to satisfy my debt but the aggressive way they reach out to me has deterred me from communicating with them
This is a complaint against Equifax for not accurately reporting on-time payments. There are several accounts ... 

XXXX XXXX - haven't reported since XX/XX/XXXX XXXX XXXX XXXX - XXXX, not reporting to my credit report at all even though it's reporting to every other bureau, this is severely affecting my credit score. While I'm an authorized user, I pay that bill and have been the sole reason for the positive credit history. 

XXXX XXXX - not accurately reporting since XX/XX/XXXX XXXX XXXX - not accurately reporting XXXX XXXX XXXX XXXX XXXX - Not reporting XXXX All of these delays affect positive credit score reporting. As I am applying for a mortgage the age of these accounts plays a huge role in my ability to get financing. Further the lack of reporting an entire account ( XXXX XXXX XXXX ending XXXX ) severely hurts my Equifax score.
CRME uses deceptive practices by changing their caller ID to a local number so you think that it is someone you know. In my case a caller ID is shown for XXXX but the number left on my voice mail is not the same nor aresponsible they located in my area code so this method is very deceptive and in violation of FDCPA by spoofing the area code. On top of this my account was eligible for financial write off by original provider due to my being way below the XXXX guidelines and should not be sent to collections at all. I have sent notice by mail stating this already. Previous debts by same provider were written off for this same reason which shows I am eligible for the year debt was incurred.
I noticed this issue in XX/XX/XXXX and start from XX/XX/XXXX, Transunion has charged me {$180.00} in total, with {$19.00} per month. I was charged without aware of registered as a membership. Transunion did not send me any receipt or notice of charging which is totally unacceptable.
There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.
On XX/XX/XXXX, I received a bill in the mail for my deceased mother, XXXX XXXX, from XXXX. My mother died on XX/XX/XXXX. The bill was for {$8.00}. It showed a {$4.00} payment was returned on XX/XX/XXXX.  Her checking account was not closed until XX/XX/XXXX and had ample money in it to cover the charge, specifically {$1700.00}. In addition, I tried to phone them on XX/XX/XXXX to advise them she was deceased and to close her account. I called around XXXX and spoke to a person named XXXX XXXX She claimed she was having phone problems and then the call dropped. I tried to call back, received the automated system, but when I asked the system to transfer me to customer service it left me on a dead hold. I hung up and decided to submit the death certificate to the CFPB and a complaint for an explanation of the returned check on XX/XX/XXXX. 

XXXX responded to the CFPB that they could not discuss the account with me and stated what documents I needed to submit for the account to be closed. Not only did I send the death certificate to the CFPB, but I also sent it through US mail. On XX/XX/XXXX, I received another statement from XXXX. This time the balance was {$17.00} because a {$8.00} late fee was accessed on XX/XX/XXXX. They had still not closed the account. I called and spoke to an employee named XXXX around XXXX on XX/XX/XXXX. She refused to discuss the account with me, refused to close the account, and stated they would only close it if provided with a death certificate. Clearly, they have one as  provided through the US mail and through the CFPB. As you can see, the company responded on the XX/XX/XXXX to the complaint with the CFPB, obviously had access to the death certificate, but still had not closed the account and went further to bill the account with a late fee on XX/XX/XXXX. 

So again, I am now filing a complaint with your office. XXXX/XXXX   statement along with the complaint submitted to the CFPB and her death certificate. I have also filed a complaint with my state attorney general.
Citibank, through their Citigold Interest Checking Account has failed to meet their end of a promotion which I signed up for their account with. I signed up with offer code XXXX and the offer was for XXXX AAdvantage bonus miles after 1 bill payment for 2 months and {$1000.00} in purchases through my debit card within 60 days. I confirmed this information in a secure message on XX/XX/2015. They confirmed that the offer was active and took my frequent flyer information. I met those requirements shortly after, which I also confirmed with Citibank through messages. Citibank notified me that, as per terms of the promotion terms, the miles would post with 90 days. Well past 90 days, in XX/XX/XXXX, I still had not received the miles deposited into my account, despite having completed the promotion terms in XX/XX/XXXX. The customer service representative launched an investigation and sent me a secure PDF that found after an investigation that I WAS indeed owed miles still. This letter states I will receive my miles within 10 business days. That was on XX/XX/XXXX. My miles STILL have not posted to my account. I have been in contact with Citi, who tell me they will post the next day, but never do, or that they will look into it and call me back and they never do. 

It is clear that Citibank is aware that I am owed XXXX XXXX XXXX miles, have confirmed this through investigation, I have multiple messages and have talked to multiple representatives on phone and chat and yet they seemingly have no intention of crediting them to my account. Every avenue I have explored through Citi says that yes I am owed the miles, yes I met the promotion terms and then they give me deadlines they never meet or intend to meet.