WillisBack/dataset-financial-user-claim huggingface dataset:
Chase has been charging me {$34.00} nsf for every transaction i dont have funds for, even when i dont have overdraft protection, and on top of that, the transaction get returned and they charge me another {$34.00}. so they made {$68.00} total per transaction from me for doing nothing for me. they just started doing this this year. before when the transaction is returned, they refund the nsf {$34.00} but now instead, they charge another {$34.00}. Doesnt make sense to just start changing the agreement and rules. the fees has accumulated over couple of hundreds already and i dont have the money to pay their fees for what shouldnt even have been there since the transactions never went through. when i complain to the, they just said its because i dont have the funds. Ridiculous. Help me out!!
I got a loan on my title through complete cash, ive been experiencing where when I pay on the loan It would go down on the total amount due then it would go back up '' they are charging very high interest on this loan, I feel like I can't get ahead and this place is very crooked, ive seen where when I make a payment it would go down but next time it goes back up causing me where I can't get it paid, I want something done about this, I found that title places can not charge high of interest, I want this investigated, this place is charging so high of interest you can not afford to pay your title out nothing seems to go towards my balance to lower it, I think complete cash is a scam, they got it where I got to pay this loan back in 6 months I borrowed XXXX they want me to pay back XXXX dollars, under the law you can't be charged 30 percent interest. They are charging way more than that I want my title back this place put under investigation, they had did my step dad the same way and now I am please help I will file with other agencies, I sent a copy of my title pawn interest form, I will also send this to the attorney general and FTC,
It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX  on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXXprocessing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed.. 

This 30 day late and all comments on my credit reports for XXXX XXXX  needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.
On several occasions, I have contacted Navient regarding disbursement of payments to my student loans. Despite my efforts, there has been no progress in ensuring my extra payments are distributed to the loan group in which I have requested ( both written and verbally ). I have put my request in writing, in addition, I have separated my accounts into 2 groups according to the loan group numbers and make the payments separately. Despite making the payments separately through online banking, all extra payments are not allocated to the principal of the loan in which I have requested. The balance on the loan in which I am attempting to pay off is {$3400.00}. Instead of applying the extra dollar amount to the {$3400.00}, Navient is applying the payment to the {$13000.00} loan in which I owe. If the payments were applied as requested, the {$3400.00} loan would have been paid in full by now. I have made several phone calls. Both loans have been current for years, which reflects the total payment due every month as {$0.00} for the {$3400.00} loan. I have been dealing with this for over a year and this process has been extremely frustrating. When speaking with Navient, I am often transferred to a " Supervisor ''. The " Supervisor '' acknowledges seeing my request on my account for extra payments to be disbursed to the specific loan however fails to ensure resolution.
A person identifying themselves as " XXXX '' called my place of employment 8 times in one day trying to get in contact with me on XX/XX/XXXX. My administrative staff believed it to be some sort of emergency because of the repeated calls. When I returned to my desk, I called the number that was left. " XXXX '' identified himself as someone working for Williams and Fudge who was looking for who they had reason to believe was my spouse about a " business matter. '' I told him that I do not know who he is and I will not confirm that the person he is looking for is my spouse, again because I do not know who he is. I told him that he is not to contact me again in attempts to contact someone else. I told him explicitly that he does not have my permission to contact me at work looking for someone else. I repeated myself that he can not call me at work and asked him if he understood. He said that he did. 

Today, XX/XX/XXXX ; a man identifying himself as " XXXX '' from Williams and Fudge called me at my place of employment saying that he had to " talk to me about a business matter with my spouse. '' I recognized the name of Williams and Fudge again and said that I spoke with someone from there weeks ago that they do not have my permission to call me at work looking for someone else. I repeated myself and told him not to ever call me at work looking for someone else. I then hung up. 

I believe they are harassing me. Calling constantly and ignoring my demands that they not contact me at work when they are trying to actually contact someone else. I refuse to confirm with them whether the person they are looking for is my spouse because again I do not know who they are or for what purpose they are trying to contact this other person. Regardless, they have been told multiple times that they do not have permission to call me at my place of employment.
XXXX XXXX XXXX HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO SUNTRUST BANK OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY
I paid a old medical bill that had went to collections that my XXXX old daughter had got without my knowledge. By her being XXXX they said I was responsible for debt. Franklin Collection Service said they would have it REMOVED from my credit once I paid the {$1100.00} off. Its still showing on my XXXX credit report even after I filled a dispute with XXXX.
Bought hair from " XXXX '' on XXXX, THROUGH PAYPAL. Claimed the hair did not shed, did not tangle, the hair shedded as soon as I touched it. I went to go wash it and the water was so dirty brown. Mind you I did not wear the hair at all I was trying to fix it. I contacted the seller and she said I have to return it back the way I got it to get a refund. That does not make sense cause how would I know the hair was bad if I didnt atleast try and wear it once. EVERYTHING they claim on their site is fake about the hair and even the reviews. I want my money back. OPENED a dispute on paypal and theyre saying i have to send it back how i got it to get full refund..
I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : Ally Financial Inquiry : XXXX I never authorized Ally Financial nor XXXX to pull my credit in the months of XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.
ABOUT 10 TO 11 YEARS AGO I TOOK OUT A LOAN FOR XXXX ACRES OF LAND THROUGH EITHER XXXX XXXX OR XXXX BANK, THIS BANK WAS BOUGHT BY CAPITAL ONE BANK. THE BANK SOLD ME CREDIT LIFE/DISABILITY INSURANCE ON THIS LOAN. I HAVE BEEN PAYING THIS LOAN ON TIME EVERY MONTH, NEVER LATE, NEVER MISSED A PAYMENT. NOW ALL OF A SUDDEN ALL THESE YEARS LATER I GET A LETTER FROM CAPITAL ONE TELLING ME MY CREDIT LIFE/DISABILITY POLICY IS CANCELED. BASICALLY THEY RIPPED ME OFF FOR WHATEVER I PAID FOR THIS INSURANCE EVERY MONTH FOR THE LAST 10 TO 11 YEARS.
I mailed a debt validation letter on XX/XX/XXXX to XXXX XXXX XXXX to validate the alleged debt. I stated in the letter that the collection agency has 30 days to validate the debt which they never responded to my validation letter.
Issue : Potential Violation of Maryland Property Laws Section XXXX   Deed in Lieu of Foreclosure Executed Before a Default is Invalid in Maryland XXXX XXXX XXXX re-assigned the Deed of Trust in XX/XX/2017 to Bank of America N.A., ( debt collector ) and recorded it with the Land Records Circuit Court. This practice is a potential property violation in Maryland. Furthermore, I was never informed of this process and have never consented to it.

The unlawful practice of this Deed in Lieu of Foreclosure and the fact that I am not made aware of what is happening in the Land Records is an obstruction of my due process of law.
During the month of XX/XX/XXXX I received a phone call from XXXX XXXX stating that there was suspicious activity on my account. Sure enough when I looked into the issue my entire bank account was depleted. Someone had accessed my card number and withdrew maximum amount of money at various ATMs in XXXX, RI. After I made a complaint with a XXXX XXXX, they denied me the money and said that those were not their issue. Due to the fact that the money had been taken out if XXXX bank ATMs they would not refund me anything. They told me to claim a second case which the same thing happened. After I filed a police report with the XXXX Police, and it was proven that the withdrawals were fraudulent, the bank still refused to give me my money back. It has now been over 7 months!
I was promised with the first phone call if I paid this debt they would remove it from my report. The debt is paid and they will not remove it. I have disputed with the credit bureaus to no avail. 

They have also re-aged the debt to a newer first date of delinquency. First date is XXXX and they have XXXX with the credit bureaus. 

They are also reporting that they are the orignal creditor. 

All of these actions are in violation of the fair credit reporting act and consumer protection laws.
XXXX is preventing a merchant from accepting checks on an account that has {$14000.00} in it. I believe this is due to the fact that the account is set up as a federal fiduciary for my husband. The VA requires that I write checks to pay for these things.
I keep getting harassed by this company and i have no idea who they are and what exactly they are talking about. i have sent in letters in response to the ones that they send me telling them that they are so wrong in who they are contacting, which is now harassing. i just want it all to stop but they have n't, just founds out that they put it on my credit.
I contacted XXXX XXXX XXXX about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with equifax and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. Equifax is allowing this company to destroy my credit report after they have removed the collection several times.
Their info and process is not transparent and dont give clear info. I paid a big chunk of my loan last year and they told me i have the payment due one year after. I still paid some before the next due date. I am paying more now than before even, but i still get few calls a day telling me i am behind and they will send me to collection and my credit will be ruined and they are charging more for finance charges. They are charging me 37 % interest and never decrease the payment amount due to lower total. The never give me clear numbers why and how they are charging me this much and why i am behind with higher payment with lower amount owing and still the amount owing keeps increasing. It is like contracting with devil.
Exhibit A - The {$150.00} purchase for XXXX 's merchandise was already completed on XX/XX/XXXX, yesterday XX/XX/XXXX Serve decided to deduct the same amount of money and place it on hold, utilizing my money twice for the same purchase. 

Exhibit B - Is the same issue as Exhibit A, tried to speak to SERVE twice, the first time they cut me off stating technical difficulties ( not the first time this has occurred ), called a second time was waiting for 28 minutes, was told by the rep this is due to a technical issue they are having and the money would be credited back possibly in 3 days, if not to call them at that time. This is also not the first time charges like this have been posted to my account and the excuse of a technically difficulty is always the excuse I'm being given, this is unacceptable. This is my money and I have bills to pay. 

Exhibit C - I tried to pull out money twice from an XXXX ATM in XXXX, NJ on Saturday, wanting to find out if there was an issue with my card I transferred money to my wife 's Serve card, she went to the same ATM and a receipt showing a " XXXX '' dollar withdrawal, but upon checking her SERVE account realized that SERVE is taking out the {$200.00}, she called immediately and they are stating it will possibly take 10 days or more to rectify. We live in the age of modern technology, nothing should take this long. 

Exhibit D - I sent a request to SERVE to send my landlord {$360.00} on XX/XX/XXXX to pay my water bill and reported the info to the landlord. The landlord did not receive the check until XX/XX/XXXX and the check was dated XX/XX/XXXX. 

I'm not sure what is going on here, but this is not the first time I've seen the comment on my card XXXX American Express, but these tactics and techniques are unacceptable, if Serve is not sure that something was deducted from my account and they are looking to ensure that it has been there has to be better methods of doing this without leaving with to close to {$500.00} of my money being in limbo. This is also an unacceptable banking process. There is absolutely no reason any process should take 72 hours to complete, unless American Express is using customers money for something else? I'm request a swift and immediate investigation into this process, I have bills to pay and don't have the luxury of just sitting around and waiting for my money. When I expressed my concern to the representative that I spoke with, all he could tell me is this is what they are being told to say to their clients. I'm not sure if this is American Express telling them to say that or the company they hired in the XXXX to assist customers but having worked for the Banking Industry and have seen first hand the amount of fraud that occurs when customer accounts are sent overseas, this needs to be brought to someone's attention immediately. Plus American Express having update issues or technical problems should not be the customers issues or responsibility and should be rectified immediately upon calling.
On EXPERIAN, XXXX XXXX XXXX, ACCT. NO. XXXX IS REPORTING INACCURATELY.I have tried to remedy with multiple disputes to Experian and XXXX. 
AMONGST THE NUMEROUS ERRORS OF THIS CARELESS REPORTING I AM INCLUDING PROOF THAT EXPERIAN CAN ACT ON UNILATERALLY WITHOUT CONSULTING THEIR SUBSCRIBER ... ... ... 
ON THE ATTACHED REPORT, XX/XX/XXXX PAYMENT SHOWS OK ON TIME, FOLLOWED BY XX/XX/XXXX SHOWING 90 DAYS LATE, AN IMPOSSIBILITY. 
I WOULD LIKE FOR EXPERIAN TO DELETE THE PAYMENT HISTORY IN ENTIRETY. 

ALL OF THE LATES WERE CAUSED BY XXXX AUTOPAY A SYSTEM THAT SENT BACK PAYMENTS TO THE BANK OF ORIGIN WITHOUT NOTIFICATION AND THEN GAVE ME THE LATE PAYMENT HISTORY, THAT IS THEIR FAULT. 
PLEASE FINE EXPERIAN FOR THEIR LACK OF ATTENTION TO MY DISPUTES AND PUBLISHING LATES THAT ARE IMPOSSIBLE TO ACHIEVE.THIS PYMT HISTORY HAS NO VALIDITY, ACCURACY OR INTEGRITY FROM THE SUBSCRIBER.
I applied for modification 8 months ago and have not received any results i submitted documetion each time requested. On XXXX to XXXX different occasions i was told to refax documents because they claimed they were not received, i think the servicer not completely honest about this process. I spoked with XXXX different supervisorsrs and received no results. I need yOUR HELP PLS,
I just received notice that my mortgage is being sold by Stonegate to XXXX as of XX/XX/XXXX. I have read reviews of XXXX which make them look crooked and fraudulent. There is not one good review. I take pride in my credit and am very uneasy about this. Is there anything I can do to prevent this sale?
I got a call from said name of XXXX XXXX ( XXXX ) XXXX he was calling from XXXXthat I was a Recipient of {$9000.00} grant to get this send {$220.00} to XXXX XXXX in XXXX so i did when no money came he told me that XXXX XXXX will release money XXXX told me i need to {$380.00} to XXXX XXXX.after I send XXXX XXXX ( XXXX ) XXXX he then told me the IRS had a hold to send {$590.00} to release the money in 15min.I think that I am a victom of fraud.
I opened a Citizen 's Platinum checking account on XX/XX/2018 for a promotion of {$400.00}. I completed the requirements and was suppose to receive the bonus after 60 days. It has been more than 90 days and Citizen 's bank claimed the offer was not attached to the account and refusing to award the bonus. I clicked through the advertisement attached. I should not be punished because the website didn't include the promotion correctly. 
They are withholding the bonus until and charging me monthly fees in the meantime.
My father took out a store credit card in his name at XXXX XXXX XXXX XXXX ( XXXX XXXX   - XXXX XXXX ) in XX/XX/2018. To allow me to run to the store and make purchases on his behalf for his home project, he added my name to the card without my knowledge. By adding my name, he did not believe this would impact my credit, as I ( XXXX XXXX ) was not present and did not authorized such transaction. He was only asked what my name was, thus, having no reason to believe that my credit would be impacted. Neither him or I had agreed that I would be somehow financially responsible or have any obligations to balances or payments on his behalf. 

I was not present or did not authorize consent for the use of my credit. My credit score, per the three credit bureau 's, was negatively impacted by the opening of the card, holding a high balance on the card ( which had been paid in full ), and the closing of the credit card. It dropped roughly 20 points. 

This is particularly concerning, especially as I became aware of this credit card after I was alerted via my XXXX XXXX and XXXX accounts. I don't know how any company can assume that I would consent to having my credit being used without my knowledge or understanding that my name was being included on the card in the first place from a party other than myself. My father tried to resolve the issue by speaking to XXXX XXXX and XXXX, but was told that it was in the fine print and that he should have been aware of a new credit policy change on the matter. Not only is this misleading, but proves to show that there is no safe guarding of an individuals financial record. What is to stop someone from adding your name onto their account without your prior knowledge. Even worse, what if they then proceed to not make payments on that card and you find out later that your credit score suddenly had dropped out of no where. What if you didn't monitor your credit as closely as I have and found out when trying to buy a house that this was preventing you from qualifying for a better interest rate? Why should you, a person who did not consent, authorize, or have prior knowledge of this credit, have your financial well-being negatively impacted? I would hope common sense would prevail here. 

Therefore, I ask that you to please remove all instances of this credit card ( opening, balances carried, and closing ) off of my credit report. I spoke with my father and he has provided me the card number and their contact information, which I have listed below. It my understanding that all balances were paid on time and that is not the concern of I am writing to you today. However, I am questing whether these credit practices that these companies employ, such as XXXX and XXXX XXXX, are ethical or practical in the sense of their duty to safe guard and protect consumers ' financial well-being and record. 

XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Tel : XXXX My personal and contact information is as follows : XXXX XXXX XXXX SSN # XXXX Tel : ( XXXX ) XXXX email : XXXX My father 's contact information is listed below. Feel free to reach out to him as well : XXXX XXXX XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXX
I 've received notice and calls from Diversified Consultants in regards to an alleged debt owed of {$950.00}. I sent a dispute letter for validation to them a couple of months ago and have received no response.
I had fraudulent accounts on my credit report, in XX/XX/2018, I filed a dispute for the inaccurate information to be removed, I had any credit file freeze because of the situation, I sent in a police report and other supportive documents regarding my situation so they sent me a copy of my credit file and at the bottom on page for it stated that the documents in sent in they specifically stated they sent of copy of my documentation to the creditors and I did not give them permission to do so, that's a violation under FCRA ACT
I've reached out to CoreLogic Credco twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by CoreLogic Credco
To whom it may concern I dont know what else to do I been working a way out to my debt with capital one and have enroll in to a program that supposedly is helping me out to get current but I believe it is not good enough and it is not working as I expected to be. 

My debt never goes down the balance is almost the same or doesnt not change much for my 3 capital credit cards I been making payments for the past 2 or 3 months or more just by paying the minimum amount to avoid been charge off because the minimum payment still remains high and it seeems to never go down as I make payments like they say it wont get my account current but it will avoid from getting charge off. 
The balance doesnt seems to go any lower as I make payment the interest seems to be eating me. 
The interest sometimes or most of the time is higher than my minimum payments that is why it doesnt seem to go down much All of my accounts are restricted and I wish that capital one can do more to help me out to come current once for all but the interest is killing me as I make any kind of payment most of it goes to the interest I will never be current? 

Im getting tired of this situation as much as I want to keep my account because I want them I dont wish to close any of them but I do want more help from capital one to wave me the interest charges fees and cash advance fees so that I can become current as soon as possible
I have gone through the probate court and have Letters of Administration for my fathers estate. His home is currently in escrow, as of XXXX and the reverse mortgage company filed a default letter and formal estate sale proceedings in XXXX despite their knowledge that escrow was in place. I am the title company have had multiple contacts with RMS to keep them apprised of the process.