WillisBack/dataset-financial-user-claim huggingface dataset:
TD Bank is the holder of my second and third mortgages since XXXX. I have tried to deal with this bank in the past, several times, over the last past three years for a similar matter, and a year ago had reported this to the CFPB. Since my last complaint, I have had a major change in circumstance. When I last applied to this bank for a mortgage modification, we were struggling to pay these mortgages and had been for a few years. Since then we went back to paying for over a year and a half as we had no choice, the bank was taking serious steps towards foreclosure. However, this past XXXX, I lost my long time job, thrusting my family into a serious decline in income. I appealed to this bank again, only about two months ago, filling out a hardship application for both loans. It took a while but I received a letter from the bank for each loan, stating that according to them, we can afford to make these payments. No other explanation was given. That was all the reply I was to expect? No further investigation into our financials? I experienced frustration beyond belief. Who are they to tell us we can afford it? What are they even looking at or considering? Just one submitted proof of income? I fail to understand. We lost a XXXX steady part time income in our household and I am now off of unemployment as well after six months. We lost an good supplemental income that allowed us to pay our major monthly debts and obligations and had enough after to put food on our table, pay medical expenses and our other pressing obligations. Now we are struggling to pay simple things like our phone and gas bill and to put food on our table. If one of our cars should break down we would n't even be able to pay for a repair at this point. I find it hard to believe that a major bank like this has no program to lower interest rates on mortgages. We are paying very high interest rates on both of these loans making them absolutely unaffordable. We are at the point that if I dont ' find employment very soon we may have to go back to not making the payments by XXXX and ruin our credit which is fairly good at this point. It is also very unlikely that I will be able to obtain the type of employment which can support these loans as I due to health concerns can not work full time. We are besides ourselves with this bank. they are simply impossible to deal with and known to be a " very difficult bank '' in the debt relief industry. Futhermore, I have health issues and may be filing for XXXX next month. If awarded XXXX, I will have a very modest income at best for the rest of my life if I do n't return to work but not an income which can support payments such as this. It 's either pay the full payments or lose our house? There are no other options. Let me state, that the only modification that this bank offered me in the past and I had no choice but to accept, was to bring me current or give us a " recast '' which is the same thing. I am current right now only barely and not for long. A recast is not lowering interest rates as everyone knows and should never be considered a form of modification.
On XX/XX/XXXX, I used Discover Card to pay the merchant ( a law firm, XXXX XXXX, XXXX XXXX XXXX ) {$300.00} for legal service, but he didnt show up in the court to represent me ; on XX/XX/XXXX, I called Discover Card and they opened a dispute for the dissatisfaction with credit card purchase and I closed the dispute on XX/XX/XXXX.
However, on XX/XX/XXXX, the merchant discontinued his service to me because he didnt get the money from Discover Card ; and since the merchant didnt get the money from Discover Card and discontinued his service to me, Discover Card should credit back the money to my account, but Discover Card didnt ; obviously, this is a billing error.
Therefore, begun from XX/XX/XXXX, I exercised my billing rights to dispute the billing error, and asked them to correct it. However, while I kept sending them the inquiry to dispute the billing error by discover.com/billingerrornotice, Discover Card kept acting like they never got my inquiry to dispute the billing error and pretended that I just wanted to continue the dissatisfaction with credit card purchase, which has no longer existed and been relevant since the merchant didnt get the money from Discover Card and he didnt need to deliver the service to me ; and refused to do anything about it.
So far, Discover Card did not open the dispute for the billing error as I requested begun from XX/XX/XXXX, did not explain why not either ; did not answer my questions - why the merchant didnt get the money from them, whether they gave the money to the merchant or not, what had gone wrong to cause this, where the money is now, why they couldnt get the money back and credit it to my account, and why I should pay them for the money they lost.
Obviously, Discover Card has a problem ; either lost the money somewhere else, or gave it to the merchant but couldnt prove it ; but either way Discover Card can not make me pay for their problem and have to credit the money back to my account. 
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The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA by not providing me documents to me in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. Portfolio  Recovery Associates  does not have any documentation, they need to retract this from my credit file immediately.
I am being contacted by Conn 's Home Plus. They Start calling shortly after XXXX, if I do not answer the first time ( I am working ) then they will call again back to back. I have sometimes received as many as 40 calls in a 24 hour period. The number I listed is just the most current number they call from. There are more, many more numbers. I understand I owe this debt, but they start calling when I am only 1 day late.
Made XXXX calls wo n't answer keeps saying no one is available and all mailboxes are full. We have not been able to speak to ANYONE since they took over loan. Making XXXX calls and not able to get through on XXXX seperate phone numbers is not good faith business
I financed a truck with ALLY at the end of XX/XX/XXXX. It was my understanding that payments would begin in XX/XX/XXXX, but I did not receive any paperwork from ALLY. In early XX/XX/XXXX, I received a phone call on my cell phone ( not my preference because I have a severe hearing loss ) while out of town with a very rude service person demanding to know where my payment was. I clearly stated that I had not received any information from ALLY, and that intended to pay as soon as I knew all of the particulars. In the end, I made a payment over the phone and made it clear that I owed no late fees because of ALLY 's error. Since then, I periodically receive late fee notices that are now nearly the amount of a payment. I have written to dispute this error repeatedly and in XX/XX/XXXX checked my credit and ALLY has listed me as XXXX thirty days late on a payment. I have never been late on a payment and have it set up with my credit union to automatically pay ALLY every month on the XXXX. ALLY calls and tries to force me to use their check service for my payment which charges an additional fee, and I tell them repeatedly that my credit union does not charge me any fees and it is automatically deducted from my checking account. Now, I got a credit alert that ALLY has listed me as being late on XXXX payments! This is totally untrue and my credit score has dropped by XXXX points! I want the late fees removed from my account and my credit deleted of any late payments.
Hello, My name is XXXX XXXX and I've been banking Bank Of America for 13 Years and Ive been dealing with being charged access fees on my account ... Especially for the past 2 years Ive been paying fees after fees. After reviewing my account I have added up over {$800.00} in over draft and transfer fees.. I have reached out to The bank personnel to resolve this issue but it continues ... Almost every time I received a direct deposit my account is hit with many fees ... This bank is will process the largest transaction to make sure your account will become negative! This matter is becoming very stressful to deal with ... This is an ongoing matter and I need someone to help me!!!!
I received notice from a third party agency that they received a file for litigation on a civil suit, from US BANK ( US BANCORP ). 

This was in regards to a bank account I held with US Bank account that was closed due to fees when I was XXXX. The rep gave me the name of a collection company called XXXX XXXX XXXX and said that they were the ones suing from the debt acquired through US Bank. They said I will be expected to appear in court and would have to pay whatever the judge decides. 

They claimed I received numerous notices which I have not and they even called my mother whose information they SHOULD NOT HAVE. 

The bank account was debt was from 2000 when I was XXXX living in Washington. It has been over 15 years. The debt at the time was also under XXXX. I reached out to my attorney who advised that the Statute of limitations is 4 years. I was advised that the notices were probably never sent but they will have records of letters so that the judge rules in their favor. I have learned US Bank has done this before and this is also the second time in five years I have been verbally threatened over this debt.
For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XXXX XXXX if the following 3 accounts are not deleted by XXXX XXXX. I have already waited 6 months!! J & L TEAMWORKS Account Number XXXX J & L TEAMWORKS Account Number XXXX XXXX XXXX XXXX Account Number XXXX
I have had this account with US Bank since XX/XX/XXXX, with very few issues. On XX/XX/XXXX my account was overdrawn by {$2.00}. I made a deposit during regular business hours in the amount of {$330.00}, on XX/XX/XXXX, which should have covered the OD. Instead the bank charged me {$72.00} worth of OD charges. My deposit was the same day. I am retired, and on a fixed income, and the bank has put me in a position, where I will not have enough $ to pay all my obligations for this month! How can I get the funds credited back, when they were fraudulently taken. In XX/XX/XXXX, I read an article describing US Banks new policy, to no longer charge OD fees, when the account is less than {$5.00} overdrawn, to begin XX/XX/XXXX. This is Discriminatory against a senior citizen, and is usery, which is prohibited by law. I think US Bank has No concern for their customers. Can you help?
hello, On this day of XX/XX/XXXX I would like to file a complaint against Equifax and XXXX  for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with XXXX and Equifax. The first and most negative item is Child Support, which appears on my Equifax credit profile. This item was removed by XXXX XXXX and XXXX from my credit report but with Equifax it still remains! Child Support closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with Equifax are XXXX/XXXX in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. XXXX  also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. XXXX  also shows a balance of {$23.00} for XXXX/XXXX  which has a {$0.00} balance as of XX/XX/XXXX, and XXXX also shows a balance of {$420.00} for XXXX XXXX which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!
I 've repeatedly tried to file a fraud complaint with my Banana Republic XXXX XXXX serviced by Synchrony Bank. The fraudulent charges were made on XXXX XXXX, 2015. When I first tried to file my fraud complaint, I was told that I had successfully passed along all information and that an investigation would be completed. I repeatedly called asking for an update and was told that they could not provide an update and that I would receive correspondence regarding the investigation. Four months have passed, and I have now spent more than an hour on the phone only to be told that the fraud department never received the complaint, and that the fraud department ca n't file my complaint without the statements from that month, to which they do n't have access. I no longer have access to those accounts online, because the bank closed the account as soon as I reported the fraud and issued a new card. For reasons passing understanding, the bank 's customer service department has access to the statements necessary to file the complaint, but can not file the complaint for me, according to. And although the fraud department is the only department that can file the complaint, according to the fraud department, they do n't have access to the statements. And, when I called the customer service department to get the necessary information, I was told that they could file a fraud complaint, although I previously relied on this information when I filed my initial complaint, and was later told that this was inaccurate. 

In essence, it seems that Synchrony Bank is taking every step necessary to obfuscate and block their customers ' attempts to report fraud.
EOS CCA XXXX XXXX XXXX XXXX MA XXXX Tel : None Available Alleged balance owed : {$190.00} Original Creditor : XXXX
I took out a personal loan from XXXX XXXX XXXX and paid it off in full on XX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan in XX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
I opened a checking and saving account at TD Bank. The banker told me as long as I have {$100.00} balance in my account. It 's free, there will not be any monthly charges. Last week, I received my first paper statement. It shows {$1.00} paper statement fee. This was never mentioned to me before. To find out where exactly they listed this {$1.00} paper statement fee, I logged into my online account at TD Bank web site. You have to go to " Online Statement Setting '', then scroll down all the way to the bottom of this page and click open a PDF file called Personal Fee Schedule for this. I think it 's very unfair and misleading to customers. Probably many of the TD Bank customers like me have been charged {$1.00} for this.
I am currently an XXXX living in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am XXXX, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a U.S. company, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.
Personal information was stolen back in early XX/XX/2016 and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
On XX/XX/XXXX, I received a letter for Barclays indicating that once again ( a previous reduction letter was sent XX/XX/XXXX ) reducing my available credit. 

I work for a XXXX XXXX XXXX and am very familiar with the problems that Barclays are having in the USA. 

Based on the letter received yesterday ( and letter last year ), it is clear that the company does not want me as a client. 

Barclays is acting in bad faith.
On XXXX XXXX, XXXX, someone presented a check for cash which was debited from my bank account. It was a small amount of XXXX dollars. I contacted my bank and they quickly put the money back into my account. The bank and I agreed that the account numbers were just XXXX digit different and the customer 's signature overlapped that digit to make it to look like an XXXX instead of a XXXX. 
On XXXX XXXX, XXXX the same thing happened again. The same customer presented a XXXX dollar check for cash.with the signature overlapping that same digit to make it look like an eight.This time I was given an overdraft fee of {$35.00} plus the {$20.00} check amount debited from my account. 
The bank again said this was an error and quickly took the overdraft fee off and promised to put the {$20.00} back into my account within 24 hours. 
The first time this happened, I would say it was a mistake of the teller. It would almost be impossible for this to happen again with the signature covering that same digit to appear as another digit. 
I believe someone is taking small amounts of money from customers at my bank. 
Please look into this. This bank is Astoria Bank, XXXX XXXX XXXX, XXXX, New York XXXX.
TCF Bank sold me a terrible loan in 2006 under the terms of 7.25 % for 40 years with zero money down. I was likely taken advantage of, but nonetheless I did sign to the terms. I 've never missed a payment since, and I 've called to refinance. They will not refinance my loan because my LTV ration is not 20 % or greater. Because of the loan structure, in 9 years I 've only paid {$6000.00} in principal. Other banks would be happy to work with me and refi, but my home does n't appraise for the XXXX ratio. My loan does n't qualify for HARP either. I 've asked TCF to work with me and adjust my loan but they wo n't, and wo n't return my calls. I even mailed them a letter. I feel very much stuck, as I ca n't refinance and/or sell unless I want to bring over {$30000.00} to closing.
I got a loan back in 2012 that was for a total of {$66000.00} for XXXX ( XXXX XXXX XXXX ) in California to get my pilots license. It was broken down into 3 different loans. Once I finished my training I was told by Navient that I would be eligible for a rate reduction program to have lower payments. They asked for my financial statements yearly. My rate went from 3.3 % to 10 %. I have not missed a payment bec they required to be auto withdrawals. My payments are now very high and I still owe more than what my loan was originally for. What can I do to fix this.
I am a victim of identity theft and learned that XXXX is reporting on my credit file and it is a result of identity theft. Please remove this fraud account from my credit file immediately.
I called the credit bureau to let them know the correct information. This XXXX bill was resolved. I had spoken to a manager in corporate about my account after writing the XXXX on XX/XX/XXXX. The account was moved to a different company and it was agreed that I was to send the equipment back and I had no bill. It was paid in full and the equipment returned. I did not receive service for XXXX months ( XXXX ). I could not receive a phone call or messages. I had gone into the store on several occasions. I received a letter in XX/XX/XXXX from the collection agency XXXX. I sent them a letter of dispute within thirty days and all the documentation I had. This item was removed from all bureaus after sending the information. It appeared on all XXXX credit bureaus again from a different collection agency. I disputed the charges and the item was removed. I also filed a fraud police report. Just recently the item has appeared again from a different collection agency. I called XXXX XXXX several occasions to resolve this issue. I have spoken to XXXX representatives in different departments within XXXX hours. All representatives said something different transferred me to different departments and gave me several different numbers. Each representative left me on hold for a minimum of XXXX minutes plus. I have recorded some of these conversations. I was told I do n't owe anything and then I was told I do. I have yet to find out what for. They saw the documentation from the conversations with the manager and the several times I had to take my phone in the store for repairs. I went into the store to resolve and I could not resolve. I could not even receive a phone call from the tech department when I had phone issues with them. I paid for services I used and could get. They were changing and working on towers. This should not reflect me in anyway or my use of cellular serivce. My rights were violated when I disputed the last notification on my credit report with XXXX bureaus.The letter was received and I did not receive any proof that these charges were mine. It was instantly reported to XXXX bureaus. I would like this removed off my credit report and for it to be completely resolved. Enclosed you will find any remaining documents I have. The others were mailed to the first collection agency.This was completely resolved. 
Sincerely, XXXX XXXX
I sent Equifax a letter along with all the required ID documents pointing out inaccuracies on my credit report in XX/XX/XXXX. They have ignored me
XXXX has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in XXXX, and XXXX has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped XXXX from running my credit again at least twice after the fact. 
I want this ended, yet XXXX continues to run my credit regardless of the freeze on my social security number.