WillisBack/dataset-financial-user-claim huggingface dataset:
Beginning in XXXX of XXXX, I had an invoice show up on my pay pal account that got paid without me hitting the " pay tab. '' My bank, Bank of Hawaii, accepted the invoice, even though I did not have the money in the bank, because I was not aware of the invoice. Bank of Hawaii charged me an overdraft fee of XXXX dollars and kept charging me overdraft fees every week that I was overdrawn. I was stunned when I realized I had to pay over a XXXX dollars in overdraft fees from my social security check at the beginning of the following month. 

I called Bank of Hawaii and told them I did not sign an overdraft protection option and please not to pay for anything being charged on my bank account if there was not enough money in it. I told them I was wary of another unauthorized invoice entering my account. 

I explained that I had gone on free book promotion sites to promote my new book and one site had sent XXXX an invoice. I talked to XXXX. She checked my account and said I indeed had not signed an option for overdraft protection and it would not happen again.She was polite and helpful, so I let the matter drop.. 

. Come XXXX, it happened again.I got the same invoice from the same company that XXXX paid. It seems like the company was trying to make their invoice look like an automatic monthly withdrawal.. When I called the Bank of Hawaii and protested,, a supervisor told me the bank needed proof that I won the dispute I filed with XXXX before they would reverse my charges. The supervisor then told me I was overdrawn XXXX dollars and change, and to pay it before Thursday or the bank would charge me again for having an overdraft. 

I got to the bank and covered my overdraft charges on Weds. However, I got a notice from the bank a few weeks later that my overdraft fee had been XXXX dollars and change, and I was being charged overdraft fees again. 

This is three months in a row that I am being charged fees that I have to pay with my social security income for the invoice I tried to warn the bank about. Currently, I am in an overdraft status and the bank is charging me every week for being overdrawn. 

I took my Bank of Hawaii card off XXXX and changed all my settings. I have n't had any unwelcome invoices show up since doing that. 

Here is my complaint : It should not matter when my XXXX dispute ends. A dispute can take awhile. The fact is, I did not sign up for overdraft protection with my bank and I believe Bank of Hawaii 's fees are in excess and based on a false premise. I would like all my overdraft fees that started with the invoice from XXXX in XXXX XXXX and continued through XXXX XXXX, to be reversed. 

If the bank will not reverse my charges from XXXX XXXX XXXX, I am asking for a full review of their overdraft fees on my account from the time I opened it. 

Thank you, I am seeking a reversal of all
THE FOLLOWING INQUIRIES WERE NOT MADE BY ME. THEY ARE FRAUDULENT. I ASKED FOR THEM TO BE REMOVED Finance XXXX Dc Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank
I had an open account with XXXX XXXX XXXX in late XXXX. I paid them well until late XXXX. XXXX XXXX, has taken my situation as an opportunity to mislead creditors. In XX/XX/XXXX XXXX XXXX reported 120 past due and in XXXX they reported the same. Account did not go to charge off status until XX/XX/XXXX. I made several attempts, once I got back on my feet to pay XXXX XXXX, yet they sent my account to a third party. That third party promised to remove late payments from my credit file once Payment was rendered. I paid the third party, nothing was ever changed. In XX/XX/XXXX I reached out to XXXX XXXX to address the issue, they would not let talk to me regarding the account because it had been transferred. I reached out to Experian consumer reporting agency. Experian added a late payment to my credit that was false. It showed that the account was recently charged off witch affected my score tremendously. Both XXXX XXXX and Experian are at fault for false reporting. Experian has falsely updated information, the credit card company has stated it will not address my account.
On  XXXX   XXXX ,  2017 , I made a payment in the amount of {$70.00} t o Synchnrony B ank via their online system. I used the same banking information I had previous utilized for past payments. After I completed the transaction I was not provided with a confirmation number, and the page froze. I waited to see if the page would refresh itself, and it did not. I then minimized the screen and opened up anot her window to go back to the website. I was unable to get back into the website after 3 attempts. I then opened up the smaller screen to see if there was activity on the page, and the screen has turned blank. This is an ongoing issue with the website for the company. On more than one occasi on the website has experienced a glitch during payment, or has failed to respond to commands. On  XXXX   XXXX , I received a notification  of a 30day late pa yment from Synchrony bank posted to my credit report. I checked my bank account to see if the transaction had posted to my account and it did. I immediately called Synchrony Bank but was told nothing could be done to assist, the payment was not in there system and that another payment could be made, yet the late charge would not be removed from my credit profile.  <P/> I am in the process of purchasing a home for my son and I. I am a single hardworking mother that strives to pay all of my obligations on time on a monthly basis. I experienced a  XXXX  point loss on my credit profile due to the technical difficulties of the company, and I was simply brushed off with a pacifying " I apologize ''. I have had this account for over 1 year and have experienced the most difficult representatives in customer service out of all of my accounts. This inacurrate and negative item has halted my homebuying process and has caused severe emotional distress in my life. Every month there is a different issue with this account, the fees attached and the way the account is being billed.It is never consistent.
Mortgage provide r Seterus Date of last activity incorrect Balance reported {$160000.00} should be {$150000.00} Scheduled payment should have always been {$940.00} Amount past due of {$2800.00} should b e  XXXX  60 to 89 days past due, is incorrect. Everything paid on time
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Sent certified letter to XXXX that they signed and received on XXXX/XXXX/17 alerting to them the fact that Portfolio Recovery Associates which I have been disputing directly with PRA and XXXX reported the same account to them on XXXX/XXXX/17 and it dropped my FICo score by XXXX points. This alleged account has been on my reports for awhile and I have been challenging it for some time. It looks to be reinserted which I was not notified of within 5 days and this is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( iii ). I am including the XXXX report XXXX dated XXXX/XXXX/17 and report XXXX dated XXXX/XXXX/17 which there is no change of reporting except date of status. This has always been reported as a collection account. I am also attaching a print out from my credit monitoring service dated XXXX/XXXX/17 showing that Portfolio Recovery XXXX has flagged the account as collections and a copy of the alert on XXXX/XXXX/17 stating a new collection has been added to my credit report causing the score to drop XXXX points! This is inaccurate reporting and I want the account removed and the XXXX points returned to my FICO score. Not sure what games Portfolio and XXXX are playing but it has to stop.
XXXX which who I never heard of from XXXX hospital is attempting to collect a debt in the amount of {$370.00} on XXXX XXXX, 2017. I do not live in XXXX. I reside in XXXX. Where is this collection coming from I have no idea.
First, I am a father of XXXX beautiful children and lost out on several houses due to the lack of communication, the unprofessional communication, and the misinformation provided to me by Navient. I currently have over {$230000.00} in school debt ( from XXXX and XXXX XXXX ). Last year, I was attempting to obtain the necessary information from Navient in order to qualify for a house mortgage. I needed documentation from Navient to provide to my mortgage banker to verify the amount of mortgage I could afford. My mortgage broker can confirm, that I spent several hours each week on the phone with Navient trying to obtain the correct information. It took several weeks to obtain the correct documents, which in return caused me and my family to miss out on qualifying for a mortgage and missing out on houses. The lack of professionalism and misinformation from Navient also caused the financing rates to increase ~1 % for the housing mortgage. Both myself and my mortgage banker attempted to obtain the correct documentation and loan repayment information from Navient. I even recall on one occasion, the Navient representative was threatening to hang up on me because I asked to talk with her supervisor. I can go on about how horrible my experience was and is with Navient, but words can not express how much sleepless nights I have had because of Navient. I even asked about loan consolidation to help save me money and was told I was not able to consolidate.
I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a Convergent account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.
After my previous complaint I was contacted by Bank of America and assigned a single point of contact to help resolve my issue. This person told me she would be calling by XXXX XXXX, 2016. I made to attempts to reach her on XXXX/XXXX/16, leaving voicemails requesting a call back each time. I left an additional voicemail on XXXX/XXXX/16, but I have not heard anything back. I have made three consecutive months of trial modification payments of {$910.00} for a total amount of {$2700.00} covering XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, none of this money has been applied to my account. I 've made three attempts now to set up payment for XX/XX/XXXX and my calls have gone unanswered. Once again, I am doing everything in my power to bring my account up to date and Bank of America is refusing to allow this to happen while holding my {$2700.00} hostage. I was hopeful that I could enter a trial modification program to make my mortgage more affordable but at this point I 'm ready to deplete my savings account and pay off the balance of my account. I stated this in my last voicemail for the single point of contact that was assigned to me. I am unable to understand this person 's name, but she can be reached at XXXX extension XXXX.
OnXX/XX/XXXXI wrote a complaint letter to US Bank Home Mortgage Customer Advocacy Center stating that I wanted to be reimbursed for all the PMI payments USBank had been fraudulently collecting from me since the FIRST time I asked for PMI removal in XX/XX/XXXX. I also asked them to waive my appraisal fee since if I hadn't done my own detective work, the advice USBank gave when asking to remove my PMI several times ( including the first inquiry back in XX/XX/XXXX ) was incorrect which would have had me paying on PMI for years to come.

The reason they stated they could not refund me back toXX/XX/XXXX and why they incorrectly stated the guidelines was that the XXXX PMI guidelines had just recently changed and that they were NOT AWARE of the change in guidelines. This is again not true and I again had to do my own detective work to find out what the truth was. The truth is that the guidelines were last updated XX/XX/XXXX. And according to XXXX XXXX : " an approved insurer must conduct and complete a self-assessment of its COMPLIANCE with all requirements of the PMIERS as of the effective date and certify to XXXX XXXX that it satisfies all the PMIERs ''. So stating they were not aware of the changes from XX/XX/XXXX is also a lie to protect themselves. I am appalled at how USBank continues to falsify information at the consumer 's expense. I request PMI removal from original stated request ( XX/XX/XXXX ) as well as appraisal fee waived for the gross misrepresentation of the truth which would not have been identified if it hadn't been for my due diligence. This company is certainly committing FRAUD by every sense of the word " WRONGFUL DECEPTION INTENDED TO RESULT IN FINANCIAL GAIN ''
I have had an XXXX MasterCard issued by Citibank since XXXX, XXXX. The card credits my XXXX XXXX mileage account with XXXX mile per dollar charged on the XXXX. Other than the charge for the credit card fee of {$95.00}, there was no other activity in the account for the year ended XXXX/XXXX/XXXX. That precipitated the removal of all the accumulated mileage on the XXXX XXXX account ( approximately XXXX miles ). 
The fact that I did renew the card last XXXX with a payment when it was due in XXXX should have been considered a valid charge to the account. On questioning the bank 's credit card department they told me it was not. I do not agree. It was activity in the account, period.
I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX XXXX XXXX used that phone call as a successful completion of CFPB complaint.
Freedom Mortgage has harassed us for months about non required flood insurance. Our property was rerated and THEY sent us a letter stating so yet they have no record. THEY called the company who verifies flood information and sent us the letter included. Thought this was a done issue, but Freedom has no clue what they doing. Tired of the threats of putting forced coverage which would be against FEMA regulation.
i got the protection insurance on this account and the amount on my card was less then {$100.00} they keep charging me and never refund my money back and insurance protection never worked
I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX on XXXX XXXX, XXXX and they obtained financing for me from Credit Acceptance Corporation. I made my first payment in XXXX of XXXX after receiving my coupon booklet from Credit Acceptance Corporation ( CAC ). CAC had also contacted me prior to this via telephone to confirm my information, address, payment amount, etc. Then, at the end of XXXX XXXX, I received a letter from CAC stating that they were cancelling my loan at the request of XXXX XXXX XXXX. They gave no reason why and did not offer any alternative or other information. On XXXX XXXX, XXXX, XXXX XXXX XXXX went to my mother 's housing and took the vehicle without informing me.
I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager was changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The entire process was horrific.
It is widely known in XXXX, Virginia that a Loan Officer by the name of XXXX XXXX spends an inordinate amount of money on realtors and builders on sporting events, fishing charters, etc. There is an undue influence on those individuals to either refer business to him or it ( appears ) is a reward for business sent. This flies in the face of the very reason the CFPB was created. This has been going on for a few years. The community thought his days of this behavior would be curtailed with the CFPB 's visibility and reports of corruption being reduced with heavy fines, etc. However, we 're now under the impression that his " marketing '' is allowable because he continues to flaunt his kickbacks even more. I 'd like to know if what he is doing is permissible or illegal so that competition can be leveled. I happen to be of the opinion that it is not only illegal, but unethical and reprehensible. If, for some reason, his " marketing '' is permitted, we can all benefit from being able to practice the same way.
I NOTICED A CHARGE OFF ACCOUNT WITH WESTLAKE FINANCIAL SERVICE THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED WESTLAKE FINANCIAL AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH WESTLAKE FINANCIAL. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED WESTLAKE FINANCIAL BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
I attempted to apply for a Social Security Administration ( SSA ) My Account on line. Part of the application involves questions about my credit history to authenticate my identity. I answered all of the questions with " None of the Above '' because none of the credit items applied to me. I was not allowed to continue my application because the Social Security Administration reported to me that I " failed '' the authentication questions. 

I obtained a copy of my Credit Report and it is accurate. None of the credit items that were included in the credit history authentication appear on my Credit Report so that when I answered " None of the Above, '' I should have been approved for a SSA My Account. 

I telephoned Experian, the company responsible for generating the credit history questions. The agent said there was nothing she could do to make the questions relevant to my actual credit history.
Hi, i have been checking my credit report recently and i went to the section where the hard inquires are and i have no idea what this one is. it is " Brclysbankde '' Inquiry from XX/XX/2018 Nor do i remember doing anything around that date with said merchant. 

My family and i have been involved with someone getting into our credit account and i think that maybe what had happened here. 
I have no recollection of this And i am in the process of repairing my credit and i wouldnt just " apply '' to anything, especially with a score so low. 
I know derogatory remarks can stay on the report for a while and i dont want this one thing that i didnt do hold me back for apply for an apartment in the summer time. 
I tried to contact XXXX XXXX, havent heard back. so i escalated this situation with you guys. 

I only ask if you can please remove the derogatory mark from my credit history.
XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.
i received a telemarketing company call on XXXX 2014 from a merchant that called itself XXXX .when i received no goods or services i called my discover card only to find out they would not help me.i explained to them i was rendered no service they proceeded to tell me i was outside the time frame to dispute.i argued with them that i received nothing, but it did not seem to matter.
Account sold to  XXXX  party and now they are harassing myself and my family. The are threatening violence and jail. Calling all hours of the day each time with different threats. State they are coming after me at my home and place of work.
I received a phone call from XXXX XXXX XXXX XXXX  on XX/XX/XXXX informing me that I owed a debt on a credit card from XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. XXXX e-mailed me a letter that gave me the original account number for the account and their representative gave me HSBC banks phone number. I called the bank and was told that account has never existed. When I called XXXX back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money.

As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.
I get some accounts on my credits reports with XXXX balance who was closed on XXXX and not going to be removed until XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$22000.00}.