WillisBack/dataset-financial-user-claim huggingface dataset:
I have been charged over {$1400.00} by bank of America in less than XXXX months for overdraft fees. All the overdraft fees are directly related to XXXX, which they have classified on my account as a " recurring '' purchase, which is why it has been paying it out. The over drafts are all less than {$5.00}, and I have requested Bank of America to return XXXX to a normal status on my account, and not the recurring characteristic that they have changed the designation to, in order to prevent the fees from being payed out. The account is a bank account set up to allow a younger sibling to take a specific amount of XXXX 's each month instead of the bus, and when he reached his dollar threshold previously, it would force him to take the bus. Now, the account overdrafts and charges me massive amounts of fees, defeating the entire purpose and set up. This is absolutely outrageous to have been charged {$1400.00} in overdraft fees in less than XXXX months for a designation BOA decided to change with no notice to me, and now will not change back.
I cancelled a contract back in 2012 with XXXX due to a service not being provided. I spoke with XXXX and cleared up the charges owed and wary termination fees were also stated to be removed totaling around {$600.00}. HOWEVER. XXXX XXXX XXXX XXXX has a collections report on my credit history for {$1000.00}. In attempts to repair my credit over the last 7 years this company XXXX XXXX is the only company that will not agree to remove this old and cleared debt. I want this record removed from both XXXX and XXXX. I have disputed this several times without compliance.
I wire transfered {$5900.00} to my USD account of Coinbase in XX/XX/2018. Then, My coinbase account has been locked until I can complete the identity verification, which includes my name, DOB,  personal address, my occupation and last four of my SSN. Since then, I can't buy, sell, withdraw money, or even close my Coinbase account. The reason Coinbase gave me is that they need to verify my Personal Information and SSN. So I verified my CA Driver Licence and tried several permutations over 2 months and failed over and over because Coinbase says my ID can not be located. Then I requested to close my Coinbase account for getting my money back but failed to close the account. I have sent several emails and submitted many requests and the customer support did nothing and even disappeared after I showed my account 's problem. I still have that {$5900.00} locked up in my Coinbase account and can't touch or withdraw it.
XXXX XXXX is reporting erroneous information on my credit report. They are reporting & attempting to collection a debt for XXXX liquidators that has already been paid and the deed transferred. IT even says Paid in full on the report yet they continue to update a balance and attempt to collect an erroneous debt. 
The credit bureaus have been disputed as well and unless they can provide proof that this is mine, NOT XXXX XXXX ... the creditor & the bureaus are all in violation and the next correspondence will be from my attorney & I am contacting the attorney general in your state of operation.
Account minimums were raised without my knowledge that triggered fees. The account is split between cash and investments, and the cash portion became too low and this triggered monthly fees. Because I do n't check the account often ( it is a dormant HSA ), I did not see the fees until 1.5y later. Customer service waived 3m of fees after I brought this to their attention.
I was called on XX/XX/18 from a company going by the name " Alternative Dispute Resolution '' about an alleged overdraft amount of {$320.00} sent to them for collections from an old XXXX XXXX account I had almost 10 years ago. They told me after fees the amount went up to {$580.00}. They followed that up with an offer to take off {$180.00} if I paid the remaining {$400.00} today. If I didn't then there would be legal action against me. It all began with someone calling me telling me important documents were waiting for me and they were quick and got me very nervous. It felt very sketchy. They rushed off after telling me to call XXXX regarding file # XXXX. I spoke with an " XXXX '' at that company and she told me that I had to pay. Her number is XXXX. Because it felt so odd I went to XXXX XXXX to talk to them about this. The personal banker I spoke with spoke to someone and they told me that it looked like a scam. They said that they had no records of debt or anything sent to collections or any other 3rd party. XXXX XXXX confirmed that I owe them no money.
I received several calls from Bushwood Capital Group at my place of employment. They first called the office that I worked at 8 years ago and as I still work for the same company, they were provided my most recent work phone number. They have called multiple times with the most recent being XX/XX/19 at XXXX CST. They are claiming that I owe {$100.00} to the Colorado Department of Transportation. They told me if I give them my card number, they will stop calling. They told me that they will continue to call every 48 hours until it is taken care of. I ran a credit report today and show no record of what they claim I owe nor does it show the creditor that they claim that I owe. When I have tried to call the number back, it goes to a voicemail that says a name of XXXX XXXX? which is different than the person that is identifying himself as supposedly XXXX XXXX. 

As my credit report is clean, I find it hard to believe that 8 years later, this is the first I am hearing about a so called debt. This is why I believe this to be a scam.
Wells Fargo let an online card take money from my card without my permission. 
that is an insult to the customer. 
i want my XXXX dollars back.
This is a new complaint against Ditech Financial LLC, formerly Green Tree Servicing. 
Ditech is now harassing me by misappropriating funds and facilitating economic hardships. 
This complaint is about Ditech misappropriating an extorted payment under an illegal threat of foreclosure and asking for part of the same payment again once I paid it ; and Ditech reclassifying funds when only the borrower has that right to determine the classification of funds. 
1. On XXXX XXXX, XXXX, Ditech billed my {$3900.00}. On XXXX XXXX, XXXX I paid the total amount due. The statement Ditech dated XXXX/XXXX/XXXX ( received XXXX/XXXX/XXXX ) shows Ditech posted the total amount due on XXXX/XXXX/XXXX. 
The XXXX/XXXX/XXXX dated invoice shows Ditech misappropriated {$540.00} to funds in suspense. Then, Ditech fraudulently misrepresented that I had an outstanding balance of {$540.00} and asked me for the same {$540.00} that it misappropriated to funds in suspense with no authority to do so. 
This also had the effect deceptively changing the terms of my mortgage payment from {$1100.00} to {$1600.00} per month. 
Ditech did not have authority to place the {$540.00} in funds in suspense. {$540.00} was for late fees that Ditech is claiming from XXXX before Ditech took over the note. 
My note/security instrument deed of trust does not allow late fees to be held in funds in suspense. Ditech can only put partial payments of mortgage principal and interest in funds in suspense. There was no partial payment carried forward from the XXXX/XXXX/XXXX statement, but for Ditech 's misappropriating funds and fraudulent misrepresentation on the XXXX/XXXX/XXXX dated statement. I paid the total balance to cure the alleged default. 
It was fraudulent for Ditech to bill me a total amount due and then misappropriate the money to funds in suspense and ask me for the same amount of money. 
Additionally, the note only gives the borrower the right to designate how funds are classified, not the lender. 

2. Ditech also misappropriated {$72.00} from funds in suspense to the escrow account to harass me. Under my note/deed of trust, funds in suspense can only be use used for mortgage principal and interest, not the escrow account. My note allows Ditech to refund money. I have asked for Ditech to refund the {$72.00}. 

The statement dated XXXX/XXXX/XXXX shows Ditech applied the {$72.00} to the escrow account. The regular escrow payment is {$400.00} plus the {$72.00} equals {$470.00} escrow total. Ditech has since taking over the note provided interim statements. However, Ditech did not provide a statement for XXXX/XXXX/XXXX, which showed the escrow balance is a positive {$790.00}, and not ( {$460.00} ). Thus, returning the {$72.00} will not create an escrow shortfall.
I have recently started to receive calls from a company representing themselves as the XXXX  XXXX. They are blocking the number they are calling from and using a fake number of XXXX, which the XXXX prefix is not a legit XXXX, WA or XXXX county number set. In the pre-recorded voicemail they are advising that they are trying to contact me about a legal matter and I have not returned their calls. They leave a call back number of XXXX upon looking up this number I am directed to the website www.globalrg.com, which is a debt collection agency, based out of New York state. 

Upon researching the company they are not licensed in the State of Washington where I reside. Nor are they licensed in any of the states I have lived in previously over the last decade. In the state of Washington per XXXX XXXX to collect a debt in the state of WA you must be license and bonded with the state, which this company is not. I do not feel as though this is a legit debt owed as I have not received any documentation via US Mail from this company.
The company i work for which is  XXXX  garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.
Hello, In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX from a dealership in XXXX XXXX, KS. I drove off the from lot, quite happy with my car and confident in my choice to refuse the extra service agreement fees, sticking to my budget. 

My first payment was to come due in XX/XX/XXXX. I went to register my car but was unable to do so because the windshield had a " stress crack '' as determined by my auto insurance, as well as the dealership. Before I bought the car ; there had been a hail storm in the area and the car had been damaged ; the dealership assured me all repairs had been made. They put in an order for a new windshield. Mind ; I now had no access to my car -- with only intermediate access to dealer provided rentals, disallowing me to make the drive to my  planned summer employment in XXXX XXXX. 

I then began to contact Toyota about the matter to see what could be done, if there were some way to lower or forestall my payments, as I was losing money due the delays in the shipping of their windwshield. The rep informed me that they had a vehicle service agreement on file for me -- what I had expressly said I did not want. Because none of it had been paid out, she told me I could have refunded and have the balance of roughly {$2100.00} applied to my account. I affirmed this is what I wanted to do. She told me I would likely began getting collections calls while the check was processed but to alert Toyota to the pending check and prepare to start making my payments in XX/XX/XXXX. 

This is what I did. The check was sent out in XX/XX/XXXX. It did n't process til sometime in XX/XX/XXXX and it paid my Toyota balance up until XX/XX/XXXX. In XX/XX/XXXX, I stopped receiving collection calls, after attempting to make different payment arrangements, because for some reason, the check still had n't been received. In late XX/XX/XXXX I received a note from  XXXX that there was a collections amount for about XXXX on my account from Toyota ; it also showed the monthly amount had been paid since XX/XX/XXXX, implying that the check had been received and applied as noted. I disputed this credit issue and XXXX affirmed that Toyota had sent them proof of collections, despite the record showing payment.

Saturday, XX/XX/XXXX, I went onto Toyota 's website to pay my monthly payment. I was unable to do so because the option was not available. The screen also would not allow me to send a secure message to contact Toyota about this matter. I decided to call Monday or Tuesday. After speaking to several people in online billing, collections and repossessions I was told they could not explain to me what was going on and that only the collections agency they referred my account to could help. 

I have just received a letter from this agency XXXX XXXX XXXX ( XX/XX/XXXX ),  XXXX XXXX # XXXX offering me a settlement on my car if I call them. They have the remaining balance at XXXX, XXXX, the amount minus the refund payment.
I have had 2 previous occasions where my credit score has dropped within the last 2 month on only my Trans Union report. The first time it dropped exactly 20 points and no reason or justification was given, 2 weeks later the points were partially returned to my score. The second time the score dropped exactly 30 points and again when I inquired to Trans Union and XXXX XXXX I was told there are several factors involved. However no one could define those exact factors and why the sudden drop. While these events occurred all factors remained in moving toward a positive direction and my other reporting agencies increased scores using the same factors. In both events the points were returned a week or two later to my score. 

Then on XXXX my score dropped 43 points with just Trans union, they are still unable to provide any detail or reasoning for this. Just that there are several factors involved ... I ask these factors and they can not provide one. There are no items that have adversely changed on my credit reporting. I have no issues with other reporting companies and my credit scores continue to grow. But I feel there is unethical activity on my personal account with Transunion and not one of my consumers.
I had a quote done in XX/XX/XXXX with Home Depot and XXXX XXXX XXXX to get my floors done. In XX/XX/XXXX I finally had them to come in and before they touched anything they told me that I have to pay an additional {$6200.00} to have the tiles removed. I told them that I did n't have that kind of money and they preceded to say if I did n't do it they would n't do the floors at all and would n't be responsible for anything that would happen if something was to go wrong. Out of desperation since the materials were already in my home I agreed to this extra {$6200.00} being added to my credit card to remove my tiles and complete the job. After the tiles were removed they said they needed to speak to me and requested an additional {$4000.00} to put the floors down I told them no this is ridiculous everytime you get ready to proceed with the next part of the job I 'm getting charged additional money and I 'm not giving you anymore money. They then left me with no floors for 3 months since I would n't agree to another new spur of the moment charge to my credit card. After I cursed, screamed and yelled at the store for all of those months I finally met a big boss who said that Home Depot would cover the charges. They also damaged my furniture but gave me money to get it repaired. They did n't do the job the right way and have n't fixed it yet and also due to the extra charge my credit card bill is constantly changing and I ca n't afford it I live alone and I ca n't pay this high monthly bill on my own. Please help me!
Please remove the following unauthorized inquiries from my Equifax credit report : 1.XXXX XX/XX/XXXX 2.XXXX XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX  XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX
I had an account with XXXX XXXX XXXX financed by GE Capital in the past. Because financial hardships the account become delinquent and finally was a charged off. On XX/XX/2015 the account was sold to a collection agency named XXXX XXXX and was reported on my credit. The original amount of the debt was {$800.00}. The acocunt was settled for less than the full balance for the amount of {$480.00} with the mentioned collection agency. I was supposed to not have any other financial obligation with the collection agency or original creditor anymore and they agreed to remove the collection account from my credit and they did so. Payment was made on XX/XX/2015. Apparently, GE Capital sold or transferred the XXXX XXXX XXXX  customers to Synchrony Bank but it seems that XXXX XXXX XXXX also transferred an invalid, false and erroneous debt because was paid and settled previously. This is causing me financial and emotional distress because I am tired of calling Synchrony Bank and provided the proof of payment the company always validated that there's no debt and they have no idea why still showing a balance on my credit report. I called the Credit Bureaus and they indicated it is Synchrony Bank responsibility because every time the acocunt has been disputed they respond that the account is accurate, and the balance is real. The negative impact that this agency is causing me is immeasurable. The reporting of false information on my credit is preventing me of continue on with my financial health and for years already has been hurting my score on purpose and under my understanding is prohibited under the Fair Credit Reporting Act to report false and inaccurate information on any consumer credit report.
From XX/XX/XXXX i open account a choice priviledges card with barclaycard, i never had any problems and always pay my bill by auto pay. i previously reported this problem and barclaycard responded XX/XX/XXXX. The letter they sent proof they really are crooks and do not know what they are doing to customers.

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added walid eyada to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies.

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account onXX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$50.00} XX/XX/XXXX XXXX XXXX   {$1200.00} XX/XX/XXXX store {$150.00}XX/XX/XXXXXXXX XXXX {$480.00} XX/XX/XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00}XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX {$3000.00} just to list a few of these fraudulent charges
I requested income directed reduced payment forms, I completed the application online, they said they never received it, I asked for a paper form completed the form and returned the form, now they are saying it was not completed so, I asked to be sent the form again, it was emailed to me, I tried opening the form it only opened a summary page. I need to complete this process because I am now retired and have only social security as my income base.
I 'm currently back in school as a XXXX and working a part time. Navient will not postpone my payments and I 've been checking my loans and I feel that they are overcharging by a lot. The amount that owed them is now almost twice and triple the amount my loan was. How did these loans balance increased like that? How is it that the balance owed is now triple the amount of the original loan? 
Below are couples of examples of my loans are looking like right : XXXX Signature Student Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$10000.00} Amount owed : {$26000.00} XXXX Tuition Answer Borrowed : {$15000.00} Amount owed : {$37000.00}
XXXX XXXX XXXX calls repeatedly although I have told them on multiple occasions they have the wrong person - I have never had a XXXX credit card and this is not a case of identity theft as the debt is not listed on my credit report. Yet they continue to call.
i sent Equifax a dispute on XX/XX/2015 . that I was a victum of  identity theft, fraud, etc. I sent them a copy of what was incorrect and they sent me a generic response of a letter stating that the information is factual record of file access. No its not why would I have to contact the creditor directly. Please remove the inquirys in question off my report  I want this researched and removed. if there is anything incorrect on your report we are suppose to the advise the credit reporting immediately and I did and per the fcc rule this information must be removed
I had fraudulent charges to my checking account, upon me discovering this I contacted JPMORGAN Chase and they refunded the charges and fees associated with the fraud. Several weeks later I received multiple notices from them stating the charges were not fraud and they were immediately removing all funds they had reimbursed. I immediatelywent into a branch to discuss the situation and was told that because I have budget application my phone that randomly updates connected to the account they show a " log in '' into the account that they assume I reviewed all charges every time the app updated and I did not report the fraud immediately that it is no longer fraud. Now the account is severely overdrawn and they are demanding payment and threatening to charge off and report.
Since all effort to resolve the issue on this account has not been responded to I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

I request you to provide me the address of the person to send the law suit to be in court in my county. At this time, the court has to determine whether you're in violations or not. 

Please provide me the name and address of who to send the court paper work to. Thank you. 

XXXX XXXX
Midwest Recovery Systems at XXXX is reporting on a settled debt on my account and demanded XXXX to stop reporting on it and they do not own this debt. The debt was sold from XXXX to XXXX XXXX XXXX and they have also tried reaching out to Midwest recovery systems telling them they should not be reporting and this account has been settled in full. Midwest told me they would not remove reporting of this debt they do not own unless I give them 1600+ dollars.
Chase Bank XXXX XXXX XXXX ONLINE APPLICATION on XXXX/XXXX/XXXX ; per email response additional information would be requested or additional review was to be completed within 30 days. 

Never received letter of denial or additional review from Chase. 

I called Chase today and after 30 minutes on the phone, I was told that the application based on the fact that no card was issued. They are able to provide additional information since it was already archived. 

I want Chase to reverse the credit report ding since they not meet the timely communication and/or approved my application.