WillisBack/dataset-financial-user-claim huggingface dataset:
I have been accessed fees in the amount of {$380.00} mostly due to Overdraft charges from XX/XX/XXXX - XX/XX/XXXX. These fees were levied against my account because I trusted their balance information provided via their online account and telephone services. In addition, their computer system delays the debit of charges up to four days after the purchase has been made creating the opportunity for Overdraft fees in the amount of {$38.00} per incident. I was told by one of their representatives that the debit delays were caused by the merchant. 

As such, I owe them nothing for the following reasons : 1. All Overdraft charges were levied as the result of their system delaying the posting of 12 debits from XX/XX/XXXX to XX/XX/XXXX ( per their statement dated XX/XX/XXXX attached ). 
2. Their online and phone system provided me with inaccurate balance information prior to the transactions in item 1 above. 
3. I relied on their inaccurate balance information before making a decision to use their debit card as opposed to two other cards and cash in my possession at the time of the purchases. 
4. These bogus fees counter their very own policy which states Once a debit card transaction ( ATM withdrawal or purchase ) is authorized, a hold is placed on the clients account reducing the available balance. Funds on hold for pending debit card transactions generally can not be used for other purposes, even though the transaction has not posted against the account 5. I used other debit cards with the same merchants and those charges were deducted either the same day or by first thing the next business day.
Citi Bank let someone else open a credit card under my name in XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts in XX/XX/2017. After I read about Citi Bank online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
I discovered fraudulent activity on this account XXXX XXXX via XXXX XXXX XXXX for {$5000.00}, XX/XX/18.
For the past XXXX plus I have been harassed for a debt that is not mine. They call and ask for a XXXX XXXX, or XXXX XXXX people I do not know. I have told each collector they have the wrong number and to not call again. Sometime this works sometimes not. The real issue is the dept gets sold to another collector and the phone calls start agai. The last person I talked to was NCO Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. They finally stopped calling but a new collector started. In the past I also reported the XXXX XXXX XXXX XXXX. to the State Of XXXX Attorney General they resolved that complaint but calls continue from other collectors. There MUST be a way to stop these calls.
One of the issues on my credit report is apparently a junk debt buyer sued me for a debt that is not mine. Now he has placed a judgement on my record through XXXX XXXX XXXX XXXX. A default judgement. I ca n't even get enough credit to buy out my lease on my car. I do n't know how to fight those guys. Also, there is a judgement that was satisfied that belongs to a family member with a similar name. Then there are several addresses and phone numbers that I have NEVER HAD! I 'm frantic!! I have tried to dispute the info, but if I do n't give the answers that are supposedly mine, I ca n't even file it. What should I do? This is so horrible. 30 years ago I was a victim of identity theft and it 's still coming at me.
I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Syncb/walmrt Inquiry from XX/XX/XXXXSyncb Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
Potential Bait and Switch by American Express : American Express sent me a mailer offering XXXX Delta mileage points if I spent {$3000.00} within 3 or 4 months. I agreed to that offer, spent the {$3000.00}, and then did not receive that XXXX points. I contacted American Express, which then told me that I did not qualify for that offer, after the fact that I met my part of the contract. American Express then stated they would " look into it '' and expect an answer in 6 to 8 weeks. Of course no contact from American Express. 3 months later I again contacted them, and again the answer that " since I had a card from them 2 years prior '' that I did not qualify. ( Then why send me the offer?! ) My apologies to bother you with this. 
Those XXXX points can be worth up to {$1700.00} or so in air travel, so this is significant. 
My request is that they award the XXXX miles as they offered. 

Lastly, I recommend that the Federal Trade Commission and the CFPB make it a requirement that these kind of offers be clearly part of the credit card application process, that shows that a consumer " qualifies for their bonus or not '' at the time of the application ... .if not, then the consumer will not be misled and will go elsewhere for their business. These corporations should not be able to make an such an offer, then " we 'll look into whether you qualify for the bonus or not after '' switch after ... Is that a " bait and switch or some other illegal or unethical practice? ''
My complaint is primarily with NationStar/Mr. Cooper Mortgage Servicer on my mortgage.  I was notified by new transferred mortgage servicer - XXXX  - that my loan was being transferred effective XX/XX/2018 onXX/XX/2018.  NationStar never sent a single notification of this servicing transfer.  Then I was notified by XXXX that the investor of my mortgage was changed from XXXX XXXX to XXXX XXXX effectiveXX/XX/2018.  (Notice was dated XX/XX/2018.)  NationStar NEVER notified me of any change to the investor of my loan, which preceded the  change in servicer, effective XX/XX/2018.  Additionally, NationStar NEVER notified me of an ARM adjustment which should have been sent the latter part of XX/XX/2018.  The new servicer does not have that document either.  NationStar should not be in the business of servicing loans if all they want is to buy and sell loans.  This was a tremendous inconvenience as I was in the  middle of a HARP refinance and now (after the fact)  I find XXXX XXXX "stepped away" as investor.  Presumably because the projected new servicer did not wish to work with or comply with XXXX XXXX regulations.   I will contact the FTC, CA Banking Regulator and anyone else necessary to rectify this non-compliance situation.  Thank you and look forward to a response.
My XXXX mortgage was modified in XXXX under the HAMP program. The terms were 2 % for 5 years ( 60 months ) changing to 3 % on month XXXX. That month was XX/XX/XXXX. Ocwen 's statement due for XX/XX/XXXX reflected the change to 3 %, but the P & I amounts were incorrect. They did get the interest portion correct, but the principle was miscalculated. The balance on the loan before the XX/XX/XXXX payment was {$300.00}. The Maturity dateis XXXX. So that leaves 299 months left at 3 % which yields a new Principle of {$680.00} and not the {$720.00} as written on XXXX 's statement. I spoke to XXXX at Ocwen ( her number is XXXX and at option XXXX enter ext # XXXX. When she called me back around XX/XX/XXXX she asked for copies of the modification agreement, which is not my responsibility to supply to them. They bought the servicing, they should have a completepackage. Further, if they correctly changed to the 3 % on the correct month ( XXXX month ) why do they need any documents, they simply just erred in calculating the correct principle. 
When I paid the mortgage on XX/XX/XXXX online, of course the website would not accept a smaller payment at all. So I paid the higher amount of {$1900.00} instead of the correct amount of {$1900.00} ( an additional burden of {$39.00} due to their mistake. Considering XXXX admitted to me that I was right, she claimed Ocwen could not change the terms without proper documentation. Well, How did they arrive at the correct 3 % amount ... its all stupid that a servicing company can not compute a simple change in a mortgage.
On XXXX/XXXX/XXXX there were 3 fraudulent transactions made on my account at 3 different locations. 1 ) {$220.00} XXXX XXXX XXXX XXXX, Ca 2 ) {$40.00} XXXX XXXX XXXX, Ca which I was reimbursed for. 3 ) {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX, Ca. I logged onto my Bank of America mobile account on XXXX/XXXX/XXXX and contacted fraud claims immediately. I was then reimbursed within the next couple days for all charges. 1 month later 2 of the reimbursements were reversed stating it was not fraud. Ive contacted Bank of America multiple times at requesting information regarding the charges and Ive been getting tge run around for going on 6 months now. They claim I needed a police report so I tried filing one but police dept wanted evidence in which Bank of America failed to send. I was at work on the clock at work the days the transactions were made with no possible way of me making these purchases. I dont understand how one charge was found as fraud but the other 2 were not when they were made within minutes.
I was informed that the XXXX account was closed on XX/XX/2018.  This account is still reporting as open on my credit report and the days that it is reporting as late is incorrect. They claim to state that the information is verified as accurate in which it is not!
My name is XXXX I regularly monitor my credit report and just got a notification that someone has applied for credit cards in my name using my name and I am worried I may potentially be a victim of identity theft. I DO NOT use credit cards and I do not know what to do. it has cearly put me as a high risk on my credit report and not to mention lowered my credit score as well as put several hard inquiries on my credit score as well. Is there any way these can please be removed. I am very concerned. 
these companies were discover which were 2 times on the same day!!! and then XXXX XXXX???? 
Please help and thank you for your time
Re : USAA XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO USAA Federal Savings Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, USAA would have notified me and I have no records of them doing that.
I encountered missing money in my account with a total of almost XXXX. My bank BBT has denied my dispute and are not even providing me with a temporary credit until they can investigate clearly without making assumption on why I could n't have prevented it. I informed them that someone close to me might have got ahold of my pin and was using the card at the same time. But they are not willing to look beyond and I am now suffering the lost of almost XXXX. I do n't know what Else to do now that I do n't have none of my savings anymore.
Thank you for taking the time to read this. Since   XXXX   I have had a Best Buy credit   XXXX   that was backed by Citibank to make a few large purchases that I did not have the cash to spend on at the time. I realized last month that I was being charged for a debt protection program. I called to inquire about it and they told me that I signed up for it when I opened the credit card. I definitely DID NOT authorize these charges. Over the course of the years I was charged over {$700.00}! I canceled the program and asked fora complete refund as I did not authorize these charges. I was sent a letter stating that I was not owed a refund and told that the only way to communicate with that department was through mail. There are no phone numbers. Be aware!
NationStar purchased my loan XXXX 2014 from XXXX. My automatic payment was due to XXXX on XXXX XXXX and my loan did n't transfer to NationStar intil XXXX XXXX, so I thought I had until XXXX XXXX to make a payment. I received a vague notice of the transfer with information about how to log onto NationStar 's website, but it did n't work. So I thought I had time and I 'd try back. On XXXX XXXX, by certified mail, I received a pre-foreclosure notice from NationStar. I called and got it straightened out and about 10 days later I finally received the introductory letter and payment information that I should have received LONG before any pre-foreclosure notice. I could fill a book with other NationStar mishaps. The most recent ( and last because I 'm refinancing ) is a notice telling me that because my Homeowners insurance was lapsing, they would purchase insurance for me at MY expense. I did change insurance companies, but both my new insurance company and I notified NationStar about the change. I did n't receive a call from them until they received a payoff request for the loan and THEN they wanted to offer me other products to stay. You could offer me 0 % and I would say NO THANKS! Ca n't wait to be done with NationStar!!!
All of my inquiries were deleted from Transunion and then reappeared without me being informed.
The company has written the loan off as defaulted on my credit report. I received several calls from them during a time where I had no employment and was unable to make any payments toward the loan. The calls began in  XXXX  and ended in  XXXX . I now have another bad mark on my credit report becaus e Navient w ould not give me any options other than a : Pay full amount b : pay monthly payments c : pay a settlement amount.     Obviously I was unemployed so I was unable to fulfill any of these options. I was not given any options in regards to putting the loan into forbearance or income based options. As a matter of fact I was advised that the loan did not qualify even though it was a student loan.
I have disputed inaccurate information with Equifax for over one year now, and they have not done a proper investigation into my complaints.
Chase bank bought my mortgage right before I was to pay it off.
My wife died the financial crisis was on and Chase sent me a bill to my address for a different house. They claimed they owned my mortgage but I told them it was the wrong mortgage. The amount i owed was wrong, the id number was wrong. I made double payments the first two years of the loan, we had payed it down to {$50000.00}. So 9 years ago they said I owed more than {$15000.00} by more than double. I tried to refinance several years ago to get some money out so they could fix their error but they gave the money to themselves so I cancelled the refinance. but they went on with it like I didnt refinance the house. last year they started double withdrawing even if i paid it externally. The chase bank representative said to let the automatic withdraw remove the money. So I listened to him. Then I noticed that they were n't auto withdrawing. They said it was paid off at another Chase Bank so I thought they corrected the error. No they started sending me letters from a XXXX XXXX XXXX. Saying I owed them {$40000.00}. No way I would owe them less than {$5000.00}. Ive called them several times, they keep asking about a credit card. I put a stipulation 6 years ago that I could never have a credit card because a false application came across, now they are saying Im owing for a credit card I gave them instructions not to allow, so they refuse to talk to me about my mortgage. And now they are foreclosing on my house. I think its because Im a veteran. please help!
I called the company commonwhealth they report it a collection on my credit report and when i called to know who was it and what for was the debt they did not find any information on me and could not find anything all so i ask them why are you reporting false information if you dont know who em i so i ask to remove that collection and they said no until they find out what happend
Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account
I received a printed credit report from Equifax and it appears to be correct. However, I first attempted to request a credit report online, on their website, the security questions did not pertain to me, therefore, I was unable to get a direct online report and had to request the printed version. I understand that Equifax provides the security questions for the Social Security online site also. Because those SAME security questions do not relate to me, I am unable to create a SS online account. I have tried several times to create an account and been locked out multiple times. Phone calls to both my local SS office and the national XXXX number have been of no help! Now I am wondering if someone has used my SS # to access a loan or was the information just recorded incorrectly. If this matter could be corrected, it would be VERY helpful.
XXXX XXXX AUTO LOAN NOXXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.
Equifax has not verified XXXX, XXXX XXXX, or XXXX XXXX XXXX, because if they did then they are breaking the FCRA by not making sure my information is correct. First, I HAVE NEVER LIVED OR DONE BUSINESS IN XXXX VIRGINIA!!!! Second, XXXX is not mine but this was XXXX in a settlement be the company XXXX hired. Lastly XXXX XXXX is not mine. All XXXX of these companies have said there is an ongoing investigation with no results as of XXXX XXXX. Look, in all honesty I want this to stay out of the courts but if Equifax continues 30 days after they receive my certified letter then my lawyer is prepared to file the paperwork to sue Equifax for damages and the full losses of my company. I have been trying to give Equifax an honest chance to do a proper investigation but we are down to the wire and I will not wait a day longer then I have too. I guess you can take this is a notification of intent to sue. All I want is a fair investigation like I got with XXXX.
The Pinnacle Asset Group is calling threatening to file with the irs for a debt that is 15 years old- they also went as far as to look up our other numbers and contacted my son to make the threat towards his father and I. This is harassment to the fullest. This company has been sued for this same issue there are also so many complaints.
filed a bankruptcy XX/XX/XXXX 2016 ReAffirmed 2 mortgages XXXX XXXX XXXX and Experian- Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX refuse to report all payments made from date of reaffirmation which is XX/XX/XXXX2016 to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate
Key Bank absorbed   XXXX   XXXX   XXXX   in  XXXX  of  2016 . At that time I had  XXXX  in my account as I was n't sure how the merger would work out. Apparently there was a mystery charge of  XXXX  to my account ( which I hadn ; t used as I was moving to Ohi o ),  This caused my account to be overdrawn. No notice was sent. When I mentioned this to the bank  officer  at the branch, I was given a run a round and a  XXXX  # to executive customer service. That was a fax number. After several calls I got the right number.  XXXX   XXXX  told me that this charge would be dropped.   I used check and it passed through ( funds were in the account ) but another bounce fee attached. I called the  XXXX   XXXX  again and after another runaround she agreed that the fee would be waived. It never was. As I stopped using the account over this-they continued to assess fees and now they have closed the account and are trying to collect the charges they assessed in error as " money that I owe them ''. Now the last 7 times I have called  XXXX   XXXX  is never in the office or can not come to the phone. Always she is going to call me and she never did. This has been going on since  XXXX   2016 .
Over 10 years ago Providian National Bank charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. XXXX XXXX XXXX is trying to attempt to collect that debt. This is a third party debt collector. The debt and the statute of limitations has expired on the original debt.
In XX/XX/XXXX, I received a letter from National Credit Systems , Inc. in response to a letter from a XXXX XXXX regarding a Debt collection. The letter was dated XX/XX/XXXX in regards to a debt owed to XXXX XXXX for the amount of {$730.00} ; however, I did not incur any debt when I moved from this apartment complex back in XX/XX/XXXX. I was never notified, by XXXX XXXX. ; of any questions following my leaving their site neither, and they had all my contact information. I responded with a letter of explanation to NCS on XX/XX/XXXX requesting information. I received only a copy of my lease and a screenshot print out of an incorrect move out date. This printout did not match the ledger details or any other paperwork from XXXX XXXX that I had received in the past. This appeared to be a scam. I received another letter XX/XX/XXXX from a XXXX XXXX of   XXXX XXXX XXXX, XXXX ( XXXX ) and spoke with a XXXX XXXX and XXXX - they both said that they are collecting a debt for XXXX XXXX, but when I called them on XX/XX/XXXX and spoke to the reps who said that they were representing XXXX, then they said XXXX XXXX, and they yelled that I need to get a lawyer when I tried to explain that I did not owe any money, and I could provide proof. I called National Credit Systems, ( XXXX ) on the the same day, and they mentioned this law office on their phone system. Then, I spoke with a rep who says that the XXXX XXXX of  XXXX XXXX XXXX represents National Credit Systems. It appears that the debt collector, National Credit Systems , Inc. is representing themselves as the XXXX XXXX of XXXX XXXX XXXX, XXXX. in XXXX, GA. I have reached out XXXX XXXX several times, and finally was able to speak with XXXX XXXX on XX/XX/XXXX ; who informed me that they are no longer tied to the company XXXX, and she was not aware of any debt collection proceedings through them. She advised me to contact XXXX at ( XXXX ) XXXX but no one answers their phone. A collection from National Credit Systems remains on my Credit report with all 3 agencies since XX/XX/XXXX, and has prevented me from rental applications, and has reduced my credit score to prevent me from other purchase and application activities. I want this removed from my credit reports and dissolved since this debt is not correct, and I have paid XXXX XXXX in full prior to moving in XX/XX/XXXX.