WillisBack/dataset-financial-user-claim huggingface dataset:
Well on XX/XX/2016 I did a mobile deposit using the app that Bank of America offers. Usually after i do the mobile deposit I properly dispose that check. Well for whatever reason I did n't do it at that time. Check was left on my wallet for 2-3 weeks unnoticed. On XX/XX/2016 a delinquent person stole my wallet. Use my credit cards and deposit the same check into his bank account is XXXX. Well, this person forfeit part of the signature by adding XXXX to it ( which I never use ). Since the check had been clear from my bank weeks before, Bank of America debit my account for the amount that was on the check without checking or consulting if this was a legal transaction or not. I started this process on XXXX when I received the letter on the mail. I been calling the fraud department from both banks and all they are doing is blaming each other. I consulted my company payroll bank and because they did n't suffer any loss they ca n't do the affidavit of loss and Bank of America does n't want to do it for me either. I work hard for that money, it was my mortgage payment. I need someone to help me. Please.
Bank of America has charged me in excess of {$2500.00} in NSF fees in the past 12 months. Recently, they charged me {$170.00} in under 48 hours before my direct deposit came through and paid the balance well into the positive. I have filed XXXX complaints, spoke with corporate and they refuse to give back my the money they took. This new form of payday lending is outrageous. For under {$100.00} in overdraft I paid back the {$100.00} plus {$170.00}. They know that most overdrafts are under {$25.00} yet they will charge you {$35.00} four times in one day like they did to me from XXXX/XXXX/16 to my payday XXXX/XXXX/16. I waited on hold for over an hour. I asked to speak with a supervisor, again on hold. The game is to see if they can get you to give up because they know from your direct deposit that you must be at work and that 99 % of people ca n't spend an hour at work on the phone with them. 
It is high time that NSF fees be looked at as percentage of overdraft instead of a flat fee. A 48 hour loan of {$100.00} should not cost {$270.00}!!!!! Stop allowing the loan sharking!!! The only person who benefits from NSF fees are middle management and up. They do this to millions of people a year!!!! Do the math on XXXX XXXX people charged {$2000.00} per year in fees - it is crazy!!!!
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this  unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
I checked my credit report today and found a collection item reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.for a small balance medical debt. I called the phone number provided : XXXX and was greeted by a man named XXXX. He asked me for my SSN # to which I obliged. He immediately said " you owe $ XXXX, what is the card you would like to use? '' to which I responded : " is this call recorded '', XXXX answered, " no ''. I asked XXXX what is the debt for and he advised it was for a medical debt ; however, he did not say who the original creditor was. I provided my credit card number to XXXX and he ran the payment and gave me a confirmation #. I asked XXXX if he was a debt collector to which he replied yes, so I asked him why did he not state the original creditor name, to which he replied that he is not required to. I then asked XXXX for his last name and he replied that he does not want to provide his last name. I told him he is required to provide his full name, and he replied that he will not because his office services " local accounts ''. I proceeded to ask XXXX why he failed to read me my miranda rights as required by the FDCPA to which he angrily and loudly responded : " I 'm transferring you to my supervisor '' and he transferred me to a voicemail for a woman. I left a voicemail. 

XXXX violated the FDCPA multiple times during our interaction : 1 ) Section 807 - False or misleading representations. XXXX did not disclose that he was a debt collector collecting a debt. This is false representation and deceptive means to collect a debt. 

2 ) Section 807 - False or misleading representations. XXXX did not disclose that he is a debt collector, and that his communication was an attempt to collect a debt, and that information obtained would be used for that purpose. 

3 ) Section 807 - False or misleading representations. The company is reporting debt to the XXXX major Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) using the business name " Law Office of XXXX XXXX XXXX XXXX '' ; however, the company 's true entity name is " RESOURCE RECOVERY ''. Resource Recovery is not now, and has never been, an attorney or had the capacity to act in a way similar to an attorney. This is False and Misleading representation by definition and unfair collections practice.
Hi there, I took out student loans with XXXX XXXX which are now services by Navient. Since I started re-payments, my account has been a mess and the payments have been misapplied and I have been defaulted apparently and they have then re-applied them after I have complained. 

Recently, i have looked into this further and they have misapplied my payments throughout XXXX and once they no longer accepted by XXXX debit card for payment as it was deemed a credit card on their system, i was left with no help trying to get payment to them and XXXX options since I do not have a XXXX bank account. I found an alternative to this by using a transferwise.com website to make payment to their lock box account. The representative that helped me set that up in XXXX also confirmed that I should be making a lower payment which i questioned and he confirmed that I should be paying the lower amount. I then found out that all my loans are in default because the amount i was to be paying is incorrect and not covering all loans. I have requested numerous times to have these calls researched and have complained and nothing still has been done. 

I am now in the US for the holidays and wanted to rectify the matter and was just told from their staff they can a request research yet again into the problem but that they could n't take any payment today or help me. I am a XXXX XXXX XXXX woman who has had both federal loans which are paid off now and private loans from XXXX XXXX for education in the XXXX and I feel like I am being cheated by Navient with bad information and also with the constant misapplied payments. I am trying to pay these off and probably are in a lucky position where I can make payments every month however I feel that the company are acting illegally and i am being penalized for this. 

I feel that I have no other option other to contact you to complain and to gain advice. I am in the US until the XXXX XXXX and I understand you may receive thousands of complaints from Navient but would really appreciate you getting in touch before I leave the country. The best contact number to reach me on is XXXX. The above I hope is a snapshot of the issue and hope you find it to be of some clarity. 

Many thanks, XXXX XXXX
I'm really disappointed in XXXX XXXX, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time XXXX XXXX responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from XXXX XXXX so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.
This occurred from XX/XX/XXXX-XX/XX/XXXX The company is XXXX XXXX XXXX XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. XXXX has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( XXXX ), and even had a credit helping agency work on our behalf, but XXXX will not remove it, and it is false and erroneous.
On XXXX I requested a background check and when I got it back, it says that I got my license XXXX  in XX/XX/2014 because of a XXXX, when I really got my license XXXX  for 30 days because I was doing 16 over the speed limit with a limited license. They XXXX  my account for this
I opened a XXXX Rewards Business card with Chase in XX/XX/2017. When I had to shut the business down a few months later, I asked them if they could convert the account to a personal account, but they told me they could not. However, when the business card was not paid because the business no longer existed, Chase put the debt on my personal credit report, severely damaging my score.
I have been trying to contact XXXX XXXX and XXXX for 1 month but neither one of them have returned mine or my fiancs, XXXX XXXX, phone calls. 
We have worked with XXXX XXXX since about XX/XX/XXXX with intentions to use your mortgage company. We met with XXXX once and he stated about this {$290.00} to help with XXXX credit. He never said it was non-refundable nor did it even help at all with his XXXX credit. XXXX then emailed us a contract for us to electronically sign. Like the gullible, nave people we are, we trusted XXXX and your company and signed it. Somewhere In that very tiny print it stated that this {$290.00} was non-refundable. We received this paperwork in the mail for us actually to sign, which we never did!!! Things went very quickly and we found a house, we gave XXXX the numbers for this house and like everyone else in this world we shopped with other mortgage companies. We went to 2 other companies and neither of them took any money from us! We found one that XXXX  credit was better and so were the numbers for everything else making our monthly mortgage payment cheaper so we went with that company. We then asked for our {$290.00} back. XXXX then informed us it was non-refundable. And then at that point did I look through the packet and find the actual paper that says it. But that paper did not have our signatures. 
XXXX then stated that he wanted another chance to match the numbers of this other mortgage company and if he couldnt match it he would return our {$290.00}. So, we gave XXXX the opportunity and sent him this other mortgage companies numbers but then XXXX did not fulfill his deal and never gave us UniFirsts Numbers. Therefore, another reason our {$290.00} should be returned to us. 
I come to you as a hardworking, honest, trustworthy person who works very hard for our money and values every XXXX. XXXX and I are getting married in 2 months and have XXXX children we are blending. {$290.00} is huge to us!!! If I was told from XXXX in our one and only meeting that this was non-refundable then I would have NEVER given it to him! I am asking you to please return our {$290.00}. 
We have been trying to reach this owners of this company for a while now and would like at least acknowledgement that you have received my phone messages as well as this email. If not, I will be contacting the better business bureau as well as the consumer financial protection bureau. I would also hate to let all of our family and friends as well as social media know the bad experience we have had with UniFirst Mortgage. 

Thank you XXXX XXXX
I got a call at work and they left a message saying that it is for debt collection. This is very concerning because it was left at my work place and I absolutely do not owe any debt whatsoever ( nor have I ever been contacted regarding this because I am not delinquent on anything ).
My name is XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. On XX/XX/XXXX, I deposited a United States FEMA check with Regions Bank for the amount of {$95000.00}. I received {$300.00} in cash, a hold was placed on {$4800.00} until XX/XX/XXXX and for the balance of {$90000.00} a hold was placed until XX/XX/XXXX. I am objecting to the last hold on the {$90000.00} until XX/XX/XXXX. This is the age of computers. The bank will have these funds available on XX/XX/XXXX. Thus Regions is earning free interest, while depriving me of my legal money until XX/XX/XXXX. I want this hold removed immediately and my money available on XX/XX/XXXX. I also want the bank to rescind all holds of this type for the future. There is no reason for a 10 day hold on any transaction in this day and time. As I said, this is the age of computers and Regions will have its money available next business day.
This debt collector calls me all the time and I explained to them I have health insurance and they need to try to collect the claim from them not send me to collections. They told me i was un insured I told them I have XXXX they went on and told me how would you like to take care of the debt and i told them my insurance would have to pay it and the person I was talking to said ok I will put down you dispute the debt and it will say that on your credit report and that was the end of the call.
on XX/XX/XXXX bank of America charge me XXXX for interest and late fees i try to contact them for almost a month but the customer service is always busy i need to wait more than one hour still nobody answer on XX/XX/XXXX i got the another statement they charge me another XXXX dollars for interest and unknown fees even i pay it in full still charge make me frustration how they count the fees
I asked the company verbally as well as in writing via CFPB to STOP ACH withdrawals from my checking account. They also harass by calling  6-7 ti mes per day from out of state numbers and not identifying themselves on the voicemails. I return the call the reps are extremely rude and hung up on me.
XXXX XXXX have been reporting a card that was not open by me on my report I have removed them all off all other reports except transunion they removed once an than put it back XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1900.00} 79 % of Credit Limit* Item Results Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 

Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
The creditor agreed to remove this account from my file. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report.

Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
On XXXX/XXXX/15 I received an e-mail from XXXX regarding a change in my credit history. When I typed in my user name and password it was rejected twice. I was then directed to a form which asked for my social security number and birthdate. I typed in the first XXXX numbers of my social and then stopped, fearing this was a phishing fraud. I have contacted Equifax regarding next steps I should take to protect my information but have received no response.
My bank ( Suntrust Bank ) is not upholding my fraud claim against a company called progressive for {$130.00} that was charged 5 times. Neither my wife or I have authorized any charges from them and we are furious this fraud claim has not been upheld. The charges total {$670.00}.
I am an XXXX member of the XXXX. I purchased my home in XXXX, paid the mortgage every month as agreed till now. Unsure how Nationstar Mortgage damaged this consistent payment, but they stated i did not pay my Mortgage for XXXX, XXXX and XXXX of XXXX then reported me 120 day past due in my credit report. My bank XXXX faxed documents ( Bank Statements ) proving all payments were sent electronically directly to them on time. Multiple calls were made, 3 internal Nationstar investigations/research completed, with no conclusion other than letters from Nationstar threatening FORECLOSURE!!! Nationstar has not only cause Pain to me and my family mentally and emotionally they have disrupted my financial standing by double dipping in to my checking account causing overdrafts and NSF. After informing them that i have the Credit Trace and File trace number for all the transaction made, they informed me over the phone it will be adjusted. I requested all findings be forwarded to my email for proof to my employers ( XXXX ). How is it that this company gets to XXXX up with no consequences? the damage has been done to my family and way of living, the mental and financial scares are deep. What is even sadder is i literally have fought and continue to fight and placed my life on the line to protect the freedom they enjoy today. Months without my children and wife, yes i understand i chose this, but does that make it ok for them to treat me like an XXXX or second rate citizen? I plan on taking legal action, i need help please. 
XXXX in need.
I have several accounts that were included in my XXXX and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.
XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.
I have been trying to get a satisfaction of mortgage letter for over FOUR months. Numerous phone calls with NO RESULTS. Closest thing I received is a verification of mortgage letter.
On Friday XX/XX/2018 I wrote to XXXX  requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, XXXX  has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with LexisNexis a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.
I contacted the branch that I opened an account with I supplied all pertinent information even the corrections. I indicated to them that I wrote a check and if that check did not clear I could be held liable for fraud or writing a bad check. 

the branch XXXX said so and she did not care and she froze my account and funds. I told her this is illegal and I will be pursing a complaint against her and the agency. She is very unprofessional. 

The XXXX XXXX received those funds and the state cleared them and they stated to where I wrote the check that it did not clear and the funds was insufficient which was a major lie.
cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts
I opened a roamans credit card back in XX/XX/XXXX I have been paying my monthly payment before the due date but back in XX/XX/XXXX I was late twice making my payment due to decrease in pay. I did call roamans at the time to inform them that I coould not make the payments. I have been trying to clean up my credit report and they refuse to remove the two late payments on my credit report it is now XX/XX/XXXX and I have not been alte making my monthly payments I finally was able to make my final payment today to roamans and I found out that they decreased my credit limit, I used to have a XXXX dollar credit limit I had a XXXX dollar credit limit all through XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX so why did they decrease my credit I called the company and first they gave ne incorrect information they told me that the credit bureaus have control of increasing or decreasing the credit amount which I know is a lie so I called back again and a supervisor informed me that they sent me a letter explaining why my credit limit is decreased this is unacceptable because now y credit score will be affected I am trying to fix my credit report and now they ruined it
My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact   XXXX   and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculous.  XXXX  is the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on th e Settlement Statement  that the date of Settlement is  XXXX / XXXX / XXXX . I am requesting from the   XXXX   a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husban d 's credit score. T hank you!
Much like XXXX, it appears as if FedLoan Servicing systematically cheats student debtors by taking shortcuts to minimize its own costs. Upon information and belief, FedLoan Servicing unlawfully steers struggling borrowers facing long-term hardship into payment plans that temporarily postpone bills rather than helping them enroll in plans that cap payments relative to their earnings. The latter option promises debtors the possibility of debt forgiveness after years of steady payment. The former raises the possibility of a financial time-bomb.
An inquiry dated XXXX XXXX,2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. The certified letter was returned undeliverable unknown address.