WillisBack/dataset-financial-user-claim huggingface dataset:
I have received around {$800.00} in overdraft charges from my bank because I am unable to control Paypal funding sources. Paypal requires that a bank account be linked to the account, and then you also add a credit card for backup funding. I have tried multiple times to modify the priority of withdrawal so that my credit card is the backup source to the paypal balance. Even though I thought I was successful in changing the priority of funds, there were other conditions that I can not easily see or understand causing a draw attempt against my bank. During my most recent calls I tried to have the undesired bank completely removed from the account. The call ended with the phone service rep telling me I could n't do it because there was a pending charge still open ( on XXXX of the overdrafts ) and once that settled I would be able to close. After the charge settled I was still unable to close. I tried over and over, and then stumbled upon a billing agreements section, I also cancelled accounts and made changes, but even those were not effective. Today I called again to complain. The Service Rep to me that charges XXXX go to the balance, then go to bank and then other funding sources. I asked then why is there an option for a backup funding source if Paypal still attempting to withdraw from my bank? I read to her the settings that were applied to XXXX of my billing agreements ( XXXX ) it clearly was set to Balance, then my XXXX CC. She had a XXXX sec silence and could n't respond. This was the tipping point for me, I asked her to cancel my account completely .... she was unable to do this, again stating that because of another open transaction she couldnt do it and that I would need to wait for that to settle. They fooled me on that XXXX in the previous call and it cost me another {$70.00} in fees, so I persisted in requesting that all billing agreements be cancelled. She said she did, and I was online when she said that she performed this, but when I checked, many of the accounts were still active. And again I asked why she could n't simply shut down my account. Frustrated I asked a second time for a supervisor. She placed me on hold and then a few minutes later the call dropped ... I came straight here to provide complaint
I opened XXXX accounts at US Bank on XXXX XXXX, 2014. I opened a savings account with over XXXX and a checking account with over XXXX. When I opened the checking account I asked for it to refuse atm and check card overdrafts, but the customer service representative had issues with his computer. It went down and he had to reenter all of my information. I believe he made a mistake. I had to enroll in a XXXX a month transfer to the savings account from the checking account to participate in the start program. At that time, it was electronically taken and I had forgotten that it was to come out on XXXX XXXX, 2014. On XXXX XXXX I received and overdraft, on XXXX XXXX I received XXXX overdrafts and on XXXX XXXX I received another overdraft. XXXX of the overdrafts was for a purchase under XXXX I have included their rules that say the purchase has to be over XXXX to warrant a fee. That 's when I realized that there was a mistake in setting up my account. I called online banking and they refused to help, the banker said I had to change it online or go to the bank. I went to the library ; I did not have online access at my home. I could not change it because I was not on the same computer it was set up on and I had not set up the account previously. I went back to the bank and he refunded XXXX of the charges. As you can see from the attached paperwork I paid XXXX in overdraft. All XXXX purchases did not even equal the fees. I would like the other XXXX overdraft fees refunded, based on their mistake, because I would not have kept purchasing if the debit card had declined in the first place. I had another debit card at XXXX XXXX XXXX XXXX, I would have used it instead. I also want the fee removed for XXXX for a XXXX maintenance fee and XXXX for forced closure. I checked my debit card in XXXX and the machine said it was not available. I could not add or take money out. I want any reports to the credit bureaus rescinded and I hope you fine them. I would like my XXXX back and they need to remove my name from their collections account for closing fees when they had already closed the accounts. 

Thank you for submitting your complaint to the Federal Trade Commission. 

Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : XXXX XXXX to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number:XXXXto help us quickly retrieve your information.
1. A am a victim of Identity Theft and have filed a report with the FTC. 
2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my TransUnion Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called XXXX today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - XXXX   did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT.

6. XXXX will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission.

8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. TransUnion and XXXX indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. XXXX  said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.
National Star returned XXXX of my payments. The payments are for the correct amount. However, they want me to continue to pay for their insurance policy. The funds that are sent to cover my current, active, insurance policy are n't being applied. Instead they are being utilized to cover the insurance preferred by National Star. Further, National Star Bank continuously, refused to honor my request to cancel their insurance. They are trying to force me to pay for both. I indicated, several times, that I did not want to utilize their insurance company. National Star stated that I have to pay on their insurance and my insurance company payments will be an additional payment and held in escrow. I did not agree to pay for both, especially their 's, policies. Also, they keep reporting me late to the credit bureau and I am suffering from their poor decision making and torpid policies. They should not retrurn my payments.
Friday around noon I called to make a payment on my mortgage of {$1000.00} as I can not do any payments yet online they report and cant do them in the branch as they have not sent me some special coupon nor closing day copy of the mortgage from the XXXX of LAST month. 

The {$1000.00} came out of checking and not into the balance that interest is collecting on. Nor on the balance that is due by end of the month that is now being told to pay up. 

Where is the {$1000.00} that was in my Huntington checking to my Huntington mortgage!?!?!?!
This debt was on behalf of an apartment rental company. Upon dispute, I agreed to pay a option of the amount owed, which is equivalent to what is now in collections. After filing my dispute, I was not contacted again.
I was late on my mortgage, and received help from the original mortgage company, XXXX XXXX. However, I purchased my home for {$230000.00}. When my loan packet was sold to XXXX XXXX XXXX  there was an additional {$80000.00} added to my principal, and now my principal balance is {$300000.00}. But no one can tell me where this extra money came from that was added. If it were the total number of missed payments, then I would have had to have almost 3 years worth of missing payments, which i did not have. I have reached out to my current mortgage provider, Mr. Cooper, and they can not explain what this additional money is either. Additionally, it seems that every 6 months they keep increasing my escrow account, and I know that my property taxes and insurance do not go up over {$6000.00} year over year.
Equifax did n't protect my private data enough to prevent hackers from stealing my personal info.
I was recently contacted by a third party for the company, Ace Cash Express. They contacted my mother and husband and told them that I was going to be sued for a debt that was not paid in 2014. I asked the company to send that information in writing so that I could forward it to to the debt relief company that is negotiating my debt. They told me that company policy would not allow them to do that and that I had to agree to an installment. I proceeded to tell them that I needed that information in writing because I am handling my debt through credit negotiators so that I can pay my debt off in a timely manner because my husband and I have separated and my funds are limited. They then proceeded to tell me that I had to pay what they told me but they could not send me anything in writing until I agreed to pay this predetermined amount and it would only be the installment agreement that was sent. The lady then got upset with me because I continued to ask for something in writing. She then said that she only works there and that they were going to sue me and see me in court because I would not agree to their terms.
A Collections report has been filed on my credit report 3 times by IC Systems for a debt of {$150.00}. Not only is the debt not mine but they are repeatedly flagging my credit report with the same debt. Are the collections companies permitted to report the same debt more than 1 time? I have read that they are not.
DEBT COLLECTOR has not notified the CONSUMER that such negative/unproven information was placed on CONSUMER 'S credit reports. DEBT COLLECTOR has neither furnished any paperwork showing from what original creditor this alleged debt comes from ; how the alleged debt was purchased ( or was legally assigned collection authority ), nor how it calculated the amount ( s ) that appear on CONSUMER 'S credit reports, per Section 803 of the FDCPA. Furthermore, it is beyond the CONSUMER how an account can appear as both 'open ' and 'closed ', with conflicting amounts displayed. This account also appears to be re-aged in an attempt to keep negative information on CONSUMER 'S credit reports.
On XXXX/XXXX/2016 I was trying to pay for an XXXX purchase via XXXX using my American Express card that is registered to my XXXX account. I received XXXX error messages saying that the card was declined. I contacted American Express via their on-line chat system and was given the number of their fraud department, which I immediately called. I spoke to an American Express fraud representative and he confirmed that my card was blocked because of " suspicious activity '' the purchase I was trying to make was in XXXX XXXX. I confirmed that I had made the attempt to pay and that it was not fraudulent. The AmEx representative indicated he would unblock my card and I would be able to proceed with my purchase. 
I tried to pay for the purchase again twice, and continued to receive the declined message. I called AmEx back and talked to a representative who said that my account had been blocked with a fraudulent charge and that my card had been cancelled and that they were sending me a new card. I informed her that a mistake had been made, I did not want this card processed, and that I needed to have my current card reactivated. She said she would forward me back to the fraud department. Although I had called the fraud department at XXXX, I 'm assuming she did not want to deal with me as I waited almost 10 minutes throug various " please hold '' and music, and kept hearing number tones between each XXXX, until finally I was told be a recording that my call did not go through. 

I called back the fraud line and the last person I talked to confirmed that my card had indeed been cancelled. I explicitly said that I wanted to be transferred to the Office of the President so that I could file a formal complaint. However, this person instead must have pretended to forward me and then my call was disconnected. 

I am now in a position where I have promised to pay for goods in XXXX and American Express has prevented me from doing so in a timely manner that causes me harm to my reputation on XXXX as well as harm to my relationship with the individuals and business I have agreed to purchase items from. 

I 'm not sure how American Express is treating their customer service people, but there appears to be a complete lack of compliance when it comes to following the rules and regulations for filing complaints that could cause severe under-reporting to the CFPB. 

While I am glad that American Express is protecting me from fraud, I am very unhappy with how I 've been treated and their blatant disregard for the rules and regulations of the XXXX. I would like American Express to revalidate my card as soon as possible. 

I am requesting that this be published so that others know that if a company refuses to let you file a formal complaint with them, you can come to the CFPB website and file it.
We refinanced our home in XXXX, XXXX with XXXX XXXX. In doing so, it was a predatory ARM. We received a letter from the bank officer stating that we would refinance incurring no additional fees after our credit rating had improved within six months. The mortgage was then turned over to XXXX XXXX which in turn sold it to HSBC without our knowledge until we received the monthly mortgage statement with HSBC in XXXX, XXXX. With the building trades businesses failing in the Michigan downturned economy, jobs losses, our family was forced to file bankruptcy in XXXX, XXXX and we did not affirm our home. In doing so, the present mortgage servicer HSBC Home Mortgage Services , Inc. will not renegotiate with us concerning a lessening of the terms of our original note. We have an ARM of 8.45 %. We have paid up to XXXX % of our home income to be able to keep living in the home which we built and raised our family in. We had to apply to StepForward of Michigan to get the mortgage current in the amount of {$5400.00}, the interest was deferred on the back of our loan which is now a total {$8900.00}. The help that we received at that time was much less than the deferred interest amount! We have worked with a FHA Housing Counselor since XX/XX/XXXX to get this onerous mortgage reduced to no avail other than loan modifications that reduced our monthly payments in the ensuing years, but they only backended the interest so our principal reduction in the loan is added on, with interest on top of interest. We need a path to be able to keep and afford our home before we are forced into retirement which will be upon us shortly. I hear about all of the HARP Programs that will expire XX/XX/XXXX, we need your help. HSBC is not a TARP participant which was detrimental in our case. We are asking for a conventional fixed mortgage instrument with a manageable interest rate in step with the rest of the public. Due to the nature of our mortgage, we have not been able to pay down our principal like it should have been, and because of our market conditions in our area, we are still under water with this note. We saw the settlement the State of Michigan received from HSBC and would like to have relief from this predatory note. Please consider our plea.
My wife gave birth to our son in XXXX, 2014, which was a high risk procedure and led to significant expense. We received numerous medical bills and thought we had paid all of them. However, XXXX remained for original creditor, XXXX XXXX, MD, which went to collections in XXXX 2014. The original balance was {$600.00}. My wife was contacted by the debt collection agency, Allied Collection Services, in XXXX, and they advised her that, unless she went into their office within 2 days, they would be forced to take legal action against her. She was understandably upset, so she went into their office, infant in tow, where they convinced her to sign several forms, including setting up a payment plan. She setup the payment auto-debit, according to their terms as they discussed in the office, and they withdrew a couple payments. However, in or around XXXX 2014, Allied filed suit and obtained a judgment against her, claiming she had not honored the terms of the payment arrangement. Upon review of the payment documentation, they required an initial payment of {$50.00} and subsequent payments of {$25.00} per month. My wife was led to believe that she only needed to setup the auto-debit for {$25.00} per month so she " missed '' the first payment. Upon securing judgment against my wife, Allied Collection Services secured a wage garnishment order against me as well. Upon being advised by my employer of the wage garnishment, my wife contacted Allied Collection Services to attempt to resolve the matter, but they refused to offer any reasonable alternatives ( other than payment in full along with significant additional collection costs ). My wages were garnished until XXXX 2015, at significantly more than {$25.00} a month. At no time did Allied Collection Services ever attempt to contact me prior to, during, or after garnishing my wages, which seemed like a fairly straightforward and simple thing to do. Nevertheless, I did not believe I had any option and allowed the garnishment to proceed. Upon completion, they secured enough money to nearly double the original debt. Further, although Allied had never made any contact with me, or attempted to do so that I am aware, they placed a derogatory tradeline in my credit file, the only such derogatory information in my credit report, and significantly impacting my credit for the next 7 years. I feel it is unconscionable that they were allowed to do as much as they did without first attempting to contact me. It was unconscionable that they created such a false sense of urgency for my wife when they knew full well that they could arrange a payment plan with her over the phone. It was unconscionable that they were so aggressive, so quickly after receiving the collection account, and that they said XXXX thing about the payment plan requirements but embedded different information in the fine print of the documents they pressured my wife to sign. And it is preposterous that I was forced to pay nearly double the original debt, which had not even been with them for 1 month at the time they secured judgment.
Please help me to understand what made you close my case, Ditech has not corrected anything, in fact, it has gotten much worse. I sent by email responding to your closed case email, copies of the loan modification and 2 years of payment history showing no missed or late payments. I can send them again if you need. I respectfully request an investigation and recompense. If you are not able to help, kindly direct me to a Consumer Protection Agency that will look into this. Ditech continues to misappropriate my funds in unlawful ways. I have attempted to reason with them so many times, I have lost count. I am XXXX and this continues to be a tremendous hardship for me. Please, someone needs to look into this. Thank you for your time.
Paypal will not release my funds since XXXX/XXXX/15, withholding for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX.
I was sued by Guglielmo and Assoc. for XXXX. Guglielmo/XXXX won the judgement by default due to the fact I was not given a court date to appear by the attorneys. I was hospitalized during the said court appearance XXXX/XXXX/XXXX. which I could not have attended. I was in default. I am unemployed and do not receive any unemployment benefits. My husband is XXXX and we are on a fixed income. I received a writ of execution in XXXX XXXX to which Guglielmo 's firm had garnished my only {$45.00} that I had in my checking account. I filed a claim of exemption for the monies in my account. XXXX did not object the exemption therefore monies was returned. Guglielmo 's firm filed another writ of execution on the same account in the amount of {$10.00} in XXXX XXXX. Again, I file another claim of exemption, monies to returned. Per Nevada Revised Statute 21.105 ( 2 ). " If a writ of execution or garnishment is levied on the personal bank account of the judgment debtor and the provisions of subsection XXXX do not apply, {$400.00} or the entire amount in the account, whichever is less, is not subject to execution and must remain accessible to the judgment debtor, unless the writ of execution or garnishment is for the recovery of money owed for the support of any person ''. Currently, Guglielmo 's firm is now trying to file a writ on my mother 's account to which I am only a beneficiary. My name is not affiliated as an co -owner of this account. I believe he is on a fishing expedition and to only harass me to place me under duress. Also, I do n't feel I should be charged any of the attorney/filing fees which were added to my judgement because of his " willful intent to garnish '' an account I do n't own. Guglielmo and Assoc. should be sanction and properly discipline for FDCPA " Unfair Practice '' i.e. " A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt : To take or threaten to repossess or to disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property may not be taken, repossessed or disabled ''.
My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXX XXXX, I discovered that FED LOAN SERVICING STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.
The attached letter from XXXX XXXX shows I was not 90 days late in XX/XX/2018 and I was not 120 days late in XX/XX/2018 further while in Forebearance I made payments attached. These entries have ruined my employment credit standing and I am requesting immediate removal of late entries of XXXX and XX/XX/2018.
I paid the complete balance due of {$240.00} on the date before it was due,  XXXX . I now have a bill for {$3.00} when my balance should be  XXXX . I filed a complaint previously about this credit card company,  Case  number :   XXXX
I am not able to use my credit card account. After my payment plan was over, they have failed to re open my account. I believe that are discriminating based on my color. It is still on suspension. And I have to pay over XXXX. Even if they are giving me a payment plan, they are not allowing me to re open my account so that I can pay for XXXX XXXX. They lied and told me that my account would be opened after the plan and they renigged on their agreement. I am asking to have my account re opened and I need to have fraudulent charges removed.