WillisBack/dataset-financial-user-claim huggingface dataset:
I was charged an overdraft fee of {$35.00} dollars on the afternoon of Tuesday XXXX XXXX. However I had been to the ATM on the morning of the XXXX and deposited money into my account. At that moment there was no sign of an overdraft on my account. Later that day I received an email letting me know I had over drafted. I called the bank to clear up this mistake as clearly I had deposited money before the over draft had occurred. I spoke to a costumer service representative and was told the best they could do for me was only refund me half of the fee at the total of {$17.00}. I then spoke to his manager XXXX XXXX and was told the same. I then asked him why he could only do half if it was n't my mistake ; to which he informed me that they had previously taken and overdraft fee off. However the incident he was referring to was also because of a HUGE mistake they had done. something i should have reported in the past. I deposited my check at the Wells Fargo ATM, but it never appeared in my account. It was as if my money had vanished. I did n't realize this until i had been charged an over draft fee on a reoccurring payment i had set up with my account. I then called to see what the issue was only to realize my check had never cleared. So after their huge blunder on that they reversed the over draft fee and made me file a claim which had me wait the maximum of 10 day to have access to any of my money. I wish i could say that this only happened to me that XXXX time, but unfortunately it did n't. I had this happen to me twice with my checks that left me completely broke and late on my payments twice, and once with cash deposited at the ATM. The morality of this bank is flawed and i have read tons of costumer complains stating that they felt like they were treated like they did n't matter and thats exactly what they did to me. I just do n't understand how how they could flat out " legally '' steal money from hard working, and trusting cutomers.
This is my second complaint, since the first was closed due to the company responding. The representative at Bank of America miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to bank of America for my paid in full loan payment, stating that I do not have a loan with bank of America and I should be sending the payment to XXXX, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via XXXX. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. Now she told me I do n't have a loan with them, although XXXX uses bank of America for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$XXXX} processing fee for it to be sent to the processing department because im not a bank of America XXXX XXXX next step will be to sue with the bankers at my local branch being named as defendants along with XXXX XXXX XXXX XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.
Both American Education Services and XXXX are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB
This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Equifax credit report Ive called many times and no resolve!!!!
There are addresses on my credit report that do not belong to me that I have never lived at. My ex-wife is the only person that resided at those addresses so therefore I believe she might be using my social security number or my credit resources.
acct # XXXX XXXX XXXX was never late all other bureaus have adjusted and removed the error ive requested this be removed and have recived NO information on investigation
Trying to use XXXX XXXX and on there app it is showing that my account in still in the negative. I spoke to my bank and they remove what has had my account in the negative. And on the app it is still show nothing changed.
Equifax 's security breach may personally affect me per their website. They are obviously unfit to hold consumers secure information.
I owed the original debt to Belk and fell behind due to the loss of my job. Belk sold the debt ( approx. {$500.00} ) to XXXX XXXX XXXX ( XXXX ). XXXX then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted XXXX and Belk to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.
Upon closing of our loan in 2007 we were told that we had a fixed rate loan and that the payments would be XXXX per month. Twenty-one days after the loan was closed and fifteen days after the money was funded and disbursed to pay of other debts we received a letter from our loan company stating that if we did not sign the papers enclosed that the loan would not be in compliance with state and federal guidelines. The papers were the ARM disclosure part of the loan and they had been post dated back to the day of closing in handwritten ink. Of course we never sent these in because you never sign anything after closing. Several months later I complained to the attorney general reguarding not being informed about the ARM rate at closing. I received a letter back from Bank of America stating that they were concerned with my complaints and that they would respond back with an answer within 2 weeks. In 2 weeks I received another letter from Bank of America stating that they were sorry about the delay in getting back to me but I should receive an answer in another 2 weeks. When I did finally receive papers from them, all it was telling me how they had no record of my complaints and no record of them turning me down for XXXX loan modifications that they told me I needed to be behind 3 payments before I qualified for it and then they try to foreclose. In the packet of letters they gave me trying to prove me wrong about the ARM disclosure there was the same paper with the ARM disclosure with my signature and my wife 's clearly forged on the document and also the same handwritten date where they had photo copied it before hand. We still have the original letter and the unsigned document in our possession. And also my wife 's name is not on the loan, She was not required to sign anything but all of the sudden her initials are all over these papers. I want to know what attorney I can get to make this right. I do know that forgery in the origination of a loan makes the loan void. We have had many financial hardships because of this and have filed bankruptcy 3 times. Our credit rating is shot so there is no way of refinancing. I have tried on my own to work out the situation with them, but knowing they purposely deceived me and the courts I believe they can not prove that they have the right to foreclose on my home.
For more than XXXX years I have been disputing derogatory and fraudulent information on my credit reports. 
Equifax is causing havoc and inaccurate information to the public. I look to your help to resolving this matter. Since 2012 I have been disputing fraudulent information from XXXX XXXX XXXX to Equifax from my credit report. 
I have spoken with employees from XXXX XXXX XXXX and Equifax and there refusal to remove harmful credit information. I seek you assistance and information to resolving this matter. 
Thank you, XXXX XXXX
I recently opened a Citibank CitiGold Checking Account that was advertised to have a signup bonus of XXXX AAdvantage points upon the completion of two consecutive bill payments and {$1000.00} in debit card purchases. After signing up with the intent to complete these requirements a Citibank representative confirmed that the offer applied to my new account and that I should complete the offer requirements. This confirmation was communicated via their online secure message feature, and I have attached a copy for reference. 

Once I completed the requirements as directed I inquired about the expected delivery date of the earned bonus via secure message and I was told that my account was not targeted and that I would not receive the bonus as promised. This conflicts with what I was previously told and I have already spent a considerable amount of time to meet the requirements as directed. 

Upon receiving this news I insisted that Citibank had confirmed my eligibility and that my case be escalated to ensure that my bonus be credited to my account. Citibank was not willing to escalate the issue and simple replied with the same response already provided. After multiple messages were exchanged in which Citibank would not resolve the issue, I have decided that the next step toward resolution is to file a complaint with the CFPB.
I had a bank account with US Bank for over 3 years while I worked for them. Shortly after I changed to another company, the account began charging a {$17.00} monthly service fee. I was n't sent notice that this would change, and as a result I decided that I was going to close the account. I began the process of changing over all my direct deductions so that I could close the account without any issues. I had one last medical account that had n't changed over, but also had n't been paid because I had no balance. Before I closed the checking account, I had visited the dentist and accumulated a balance on that medical card account, so the autopay resumed from the US Bank account. This caused an overdraft that I was unaware of because I was no longer using the account. Once I logged in to transfer my final few dollars to my new account I found that my medical card autopay had caused a negative balance of just over {$34.00}. When I was finally able to get into a physical branch to pay and close the account, the balance had increased. More monthly fees and extended overdraft had been added. To that point, I had still received no mail to alert me to the problem. I paid the teller at the branch {$35.00} and requested that the account be closed and the balance waived because the balance that remained was all bank fees. In more than 3 years I did n't have a single fee waived, yet the teller advised that this request could only be completed at the branch that the account was opened through. I explained that I had moved and it would be difficult to get back to the original branch, however she was still not able to assist me. Shortly after this, and before I got back to the state with my original branch, the account was sent to a collection team. As soon as I received a letter from them I placed a call explaining that the balance was all fees, and I requested that it be waived. I was again advised that only the originating branch could assist with waiving fees. I called t down to the branch that the account was opened in and explained that it was difficult to come down in person, but that this was the only branch that could resolve my problem. They referred me to the manager of that branch who said he also could not help because the account was placed in collection, and once that happens it is out of his hands. He stated that he would look into the issue and call me back in a couple days, it has been over a month, and I have n't heard from him again. I now have an account that could at some point be listed on my credit report as a collection, it is a balance of all bank fees, and no one will assist me. This checking account pulled {$25.00} from a savings account that had no funds to pay down the increasing bank fees, and that savings account had also been closed and charged off. I have not heard from collections about that one, yet.
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL alleged debt amount : XXXX This company refuses to acknowledge my request by certified mail letters of validation with contract signed by me and proof of their license. I have sent letters twice and have n't received anything other than updated alleged debt on my credit report.
XX/XX/2015 I received a notice from XXXX XXXX that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. Equifax on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. Equifax is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
I 'm XXXX XXXX, I 've been trying to solve this problem going on a year now, since I 've filed Bankruptcy 2014 and nothing is cleared off my Credit File, I filed a Chapter XXXX and it was discharge nothing has been remove from my Credit File, all three Credit Bureau keep transferring my information to each other NOT deleting, I also request to have the fraud alert remove from my Credit File and it has NOT happened, I 'm I 'm filing this complaint because I 'm getting the run around
I got a payday loan but due to financial stress and other family issues I was out of work for a month or so. I was unable to pay the payday loan I took out with Cash Express in XXXX XXXX, Tennessee back in XXXX. About XXXX of XXXX ( roughly XXXX of XXXX ) I tried to call them to let them know they could expect payment from me when I was regularly working again in XXXX. The lady who was named XXXX I believe was very mean and said we are going to collect on your debt and no we cant work anything out. You cant be trusted. Youve made your bed, now lay in it. And promptly hung up. Since then I have been struggling to catch up on other bills first, since I was unable to resolve the issue with them. They then began to call me multiple times a day, averaging about 8-10 times from the same number. Im finally sick of it after they have called me 29 times today ; XX/XX/XXXX.
Debt she'd be discharged as it is over 7 yesrs. Company, Navient. falsified last payment date to hold onto debt. I couldn't have made a payment in 2014 as I couldn't even buy my own food. Plz discharge full debt.
i pulled my report and noticed items thats not mine on my report. and filed a dispute i also filed an affidavit
Hi I have a balance due with global payment check services which I 've been paying monthly as requested. My complaint is after my payment they call to see if I 'm going to send my next payment which is fine. But they called pretty much every day and hang up. Out of the several calls they might leave XXXX message but for the most of all they just call and hang up on me which from what I understand this is a violation of the fdcpa. Thank you much
On  XXXX   XXXX ,  XXXX , I entered into an automatic ACH payment plan to make my account current with Navient. I have been making monthly payments ranging from {$290.00} a month to now {$560.00} a month. I started to receive letters in the mail stating that my Federal Loans were in jeapordy of defaulting. How can that be if I 'm paying over {$560.00} a month? I called Navient customer service and they stated that only my private loans were setup on the ACH payment plan. It was supposed to be the entire account. I stated that during my call to set up the ACH with Navient customer service the call agent stated that my entire account would be brought to current and my interest rate reduced since I was on an automatic ACH.     Not only does Navient offshore their customer service, they do not understand the issues as they are often reading from a script, it is very difficult to get an on-shore Supervisor.     I was finally transferred to  XXXX   (  alleged Supervisor ) who stated that my Federal Loans were not setup on an ACH plan and I would have to do this on the website. He would not do it over the phone. I went over a multitude of issues with  XXXX  regarding the impact to my credit report based off their negligence and handling of my account. I had two different payment due dates for my  Private and Federal  Loans. I made  XXXX  change them to match so I would have my bank drafted for both sets on the same day. My credit report has been severely impacted because of the delinquency they have been reporting for the last 2 years. I asked  XXXX  to remove the delinquency as it was  Navient 's fault and he stated that I had to submit a written dispute to  Navient via mail. I asked if I could fax it as it would still be written and he stated no, it would have to be mailed.  XXXX  then applied a forbearance on my account to bring up my Federal loans to current. He then instructed me to go on to the website and setup my  Federal Loan AC H payments.     I proceeded to setup my Federal Loan ACH automatic payments in  XXXX  and the website showed that I needed to pay {$380.00} because the ACH was being activated too close to the  XXXX  due date. I made the payment of {$380.00} on  XXXX / XXXX / XXXX . The website was calculating  XXXX  payments because as of  XXXX / XXXX / XXXX , I do not have an amount due for  XXXX / XXXX / XXXX  on my Federal Loans. My  Private Loan  still has a payment scheduled for  XXXX / XXXX / XXXX  of {$560.00} The way in which Navient conducts business is utterly unacceptable. I should not have multiple due dates for my student loans. If my account is being addressed, it should be the whole account and not part of the account. Customer service needs to be onshore and not based in  XXXX  where people do not understand the issues.
Bank not responding the Demand for release of a lien on our property. 

At our request our Attorney XXXX XXXX at XXXX XXXX XXXX and XXXX had sent the PNC Bank several Demands for Reconveyance of the Lien PNC account number XXXX to PNC and to date we have received no response. 

The first Demand for XXXX was sent to PNC via certified mail, return receipt requested on XXXX XXXX, XXXX with a required response date of XXXX XXXX, XXXX. 

The second Demand for XXXX was sent to PNC via certified mail, return receipt requested on XXXX XXXX, XXXX with a required response date of XXXX XXXX, XXXX, again we received no response. 

I am an older person caring for a XXXX wife and PNC 's lack of response has caused us significant economic and emotional distress. I would ask the CFPB to assist us in having this matter addressed and the Lien released per our Attorney 's demand.
Was contacted by mail which is violation of the FDCPA ( contact with a consumer ), and alleged Debt is not mine.
I have disputed an account with XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.
I have my account set up on automatic payment through my bank since I took this loan out inXX/XX/XXXX at Quicken Loans. Since then, I have made every single payment on or around the XXXX of the month before the month due. In XXXX, I was informed that my payment was going to change because of an increase in escrow needed for the account. I am XXXX years old and I do not use online banking very often. Apparently it was not scheduled automatically anymore after I went in to adjust the amount on my bill pay, and the payment did not go through as desired. I was not, in any way, notified about this problem until I received notice in the mail onXX/XX/XXXX ( Mail was postmarked XX/XX/XXXX ). I contacted Quicken Loans on or around XX/XX/XXXX and asked them about the problem. They informed me of the issue as well over the phone and I received help from my bank to both correct the bill pay problem but also to make a double payment to offset the error. I am filing this complaint because there no notification at all from Quicken Loans to me about this error until well after 30 days had passed. Had they attempted to contact me before it was too late, I would have made an immediate payment to correct the issue before I was 30 days late. There were also no phone calls or any other efforts made to me outside of standard USPS mail. I feel that, as a 5 year customer that has never missed a payment, Quicken Loans could have and should have made a more prompt effort to notify me that there was a problem. By not doing so, not only have they put me in a situation that lowered my credit score by  about 100 points, but, of course, they also were able to collect a fee on me. I feel I am a victim of this non-communicative effort and feel this is a violation of the Unfair, Deceptive, and Abusive Acts Practices Regulation set forth by the CFPB. I want the 30-day late payment removed from the account immediately and I want the fee removed as well. In my effort to contact Quicken Loans about this on the 10th, the customer service rep there was ignorant to the situation and simply stated I would need to file a dispute with the credit bureaus. When I went to do so, there is no option to file a dispute based on the UDAAP Regulation, as there should be. So I am filing this complaint appropriately here. I look forward to a prompt response to this issue so I can straighten out my credit score accordingly and receive the fairness I deserve as a consumer and long-standing mortgage customer of Quicken Loans. 

Thank you, XXXX XXXX