WillisBack/dataset-financial-user-claim huggingface dataset:
I utilize TCF Bank 's online bill pay. 
TCF allows you to set a " deliver by '' date, which is great, except it rarely actually happens. Historically, my rent check is often delivered XXXX3 days AFTER the deliver by date. 

I time my payments to correspond with my payroll deposits, to make sure that I am timely with my payments. I have payments going out biweekly. The payee in this case is my Chapter XXXX Trustee, for Bankruptcy repayment. 

The payment that was to be delivered by XXXX XXXX, was sent on XXXX XXXX, and actually received on XXXX XXXX and then deposited on XXXX XXXX. Meaning that the check was processed two days prior to my direct deposit from my employer. 
TCF then assessed an over draft fee for the {$500.00} Check, as well as an automated transfer to a small investing firm ( XXXX ). As my direct deposit would not be delivered to the account until roughly XXXX, XXXX XXXX there were no funds to cover the {$500.00} check. 

Historically, all checks to this recipient have cleared the day AFTER the " Deliver by '' date. 

It is my belief that this practice leaves open a potential for fraud, by processing mailed payment runs early, collecting overdraft fees and then hiding behind some disclaimer ( That I can no longer view on their site ).
I have been the victim of Identity Theft twice in the past two years. I am an XXXX XXXX XXXX XXXX, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to Experian, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

Sincerely, XXXX XXXX
Our current credit report shows over many consecutive months of late payments to Acqura/Clearspring Loan Services for our loan that are completely erroneous and destroying our chances of refinancing before XXXX our mortgages come out of the interest only phase and/or variable interest rates begin to ramp up. 
XX/XX/XXXX becuase automatic payments and online payments did not seem to be available, we made a {$2000.00} pre-payment to Clearspring to pre-pay all monthly minimum payments through the remainder of the year to ensure that no late payments could possibly be reported. 
XX/XX/XXXX we continued to receive monthly statements from Clearspring showing that a payment of {$0.00} was due. However, in our current credit report, Acqura/Clearspring has been reporting our payments as 30 days late every month XX/XX/XXXX, save for XXXX. 
I can not tell you how frustrating this is as a consumer. We have been racing against the clock to refinance our XXXX homeloans and have been stalled twice now by XXXX 's reporting of late payments. Like many consumers concerned about late payment reporting, we consistently set up automatic payments and bank withdrawals with our lenders to avoid this very thing, however, XXXX 's online auto-pay sign up system has failed on numerous occasions XX/XX/XXXX without alerting me that the auto-pay function was not available to set up online. 
I then phoned XX/XX/XXXX to ask for auto-pay to be set up and paperwork was supposedly sent to me to do so. The forms never arrived and as a result, our XXXX payment was made after the due date further affecting our credit report. I followed up to ask for the paperwork again, which did finally arrive in XXXX. I completed the forms and returned to Clearspring and never heard back. 
XX/XX/XXXX I phoned XXXX to ensure that the payment would be made on time and found out that my auto-pay request had been denied. No one had attempted to contact me to inform me of that or why. During that phone call, I found our that XXXX declared my requested withdrawal date XXXX the XXXX of the month ) to be too far after the payment due date. What they did n't consider, for some reason, was that I was actually requesting the XXXX of the PRIOR month to be the withdrawal date to be extra precautious and to spread one of our automatic payments to a different time of the month. 
I am concerned that business practices at Acqura/XXXX place a too-high burden on its customers for making consistent, timely payments. At the same time, the company 's erroneous record-keeping and reporting are damaging people 's lives and threatening to further erode the slow gains the nation 's economy is making.
I have been with Bank of America for months. I had half of my check going into bank of america for direct deposit and the other half of my check into XXXX. I transferred the funds from my XXXX unto Bank of America. There was a misunderstanding on why the check did n't clear. The check totaled a little over {$700.00}. Saturday XXXX/XXXX/15 I withdrew XXXX I actually saw the check clear on XX/XX/2015.I did n't withdraw anything else because I knew XXXX/XXXX/15 my direct deposit would hit and I would have enough money to pay my rent. I was not notified that the check dint clear. I wasnt notified of anything being wrong at all. Instead of contacting me. Bank of America Maliciously waited for my direct deposit to hit, and CLOSED MY ACCOUNT SAYING NOTHING! When I went to the branch they advised me the check did n't clear. I was confused and said well my direct deposit should have definitely been enough to cover the {$200.00} if there is any issue. They took my money and closed my account and then reported me TO CHECK SYSTEMS. NO EXPLANATION NO NOTHING! I AM UNABLE TO OPEN UP ANY OTHER ACCOUNT! I OWE BANK OF AMERICA XXXX DOLLARS AND FOR ME TO HAVE TO PUT A HOLD ON MY DIRECT DEPOSIT AND THEM TO REPORT ME TO CHECK SYSTEMS WHEN I OWE THEM NOTHING-IS UNLAWFUL, AND MALICIOUS INTENT
XX/XX/2016, a merchant processed an unauthorized charge on my US Bank personal Visa card in the amount of {$270.00}. 
I happened to be travelling abroad on business so I did not notice this charge until my return XX/XX/2016. My account has been previously paid off with no outstanding balance. 
When I called US Bank credit card customer service XX/XX/2016, I opted to pay the balance in full by phone and dispute the transaction with the merchant rather than initiating a dispute with US Bank. The representative assured me that there was no negative impact on my credit report by doing this. 
The merchant opened a case ( case # XXXX representative name XXXX ) to investigate the charge and once that was completed, XXXX XXXX refunded the amount back into my US Bank credit card. The charge as well as the refund currently appear on my credit card transaction details. 
Placing a late payment because of an unauthorized use of my card contradicts the fair reporting act and is causing me a significant financial hardship.
After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my transunion along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.
I worked with Navy Federal to get a mortgage on my first house. During the entire process I felt bullied because of my age since I am very young to be purchasing a home. He neglected to tell me that I am required to have XXXX sources of credit history of 12 months, which he knew in the beginning I did not have. He requested an extension twice even though I submitted all the requested forms within 24 hours of his request. He never submit a final approval letter within thirty days of the original contract being executed and when he asked for yet another extension the seller denied costing me to lose my binder deposit. I do not feel it is fair for me to lose my money at the expense of my loan officer 's lack of communication. There were weeks where he did not even return an email or phone call. During the entire process he continued to tell me and my realtor that everything was going as planned which when he asked for another extension came as a shock. He made claims such as money laundering towards me because I mentioned I had cash savings at home from my recent graduation. He did not communicate from the beginning and now I am out a lot of money at his expense.
This account was never opened by me, shows I have a ton of missed payments but dont its been a year and they still wont stop reporting late payments I need someone to seriously help me out. I have tried to dispute call them and no one can help me out how did someone even use my information?
The collection company called my cousin which I hardly talk to and told her that they needed to contact me that they where a collection office. So when I called them they told me that I needed to pay I loan I had taken out a few years ago.So I let them know that I could n't that I was n't working that I 'm getting goverment assistance so they told me that if I did n't agree to pay them that they where going to sue me take me to court and I was going to have to pay them more than XXXX and legal fees and since I wasnt working they told me that they where going to take money from my welfare every month until the full amount of XXXX was paid off that if I did n't want that to happen I had to make some agreement to pay them back I told them I did n't have money. I practically felt scare and force to answer them that I would try to get borrow some money if I could so they wo n't sue me and take my government money
I got hard inquiry report on my credit, the report said a hard inquiry being pulled on XX/XX/XXXX from XXXX XXXX XXXX/XXXX XXXX, I called the no on there ( XXXX ) and said that theyre not responsible for the report being made, what should I do?
To whom it may concern : I applied for a loan modification with PNC in XX/XX/XXXX. My loan is a portfolio loan which is not owned by XXXX or XXXX and does n't qualify for HARP so options were to sell, refi ( but bring money to the table ) or modify the existing loan. 

On XX/XX/XXXX I received a trial payment condition in order to qualify for the loan modification. 
1st payment {$900.00} .... I paid XXXX on XX/XX/XXXX 2nd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX 3rd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX ( I paid extra ) On XXXX I received a check back from PNC for {$790.00}. stating I did n't pay the amount in full. 

On XX/XX/XXXX I sent {$990.00} to PNC to ensure that my payment was covered ( this extra was to cover the fee they added ) When I received my loan modification paperwork - the terms were not what I wanted or agreed to, so I did n't except their offer. 

In XX/XX/XXXX my credit report is showing that I was over 30 days late for my XX/XX/XXXX payment. 

Now that I have a 30 day late I ca n't refinance my mortgage with any lender for a year. I feel that they set me up to fail so they could keep my loan to service for another year. 

Now I understand that the loan modification paperwork states paid by the XX/XX/XXXX of each month but if you listen to the recorded phone calls made by PNC their customer service reps state as long as its paid within the month. I made not have made the payments on the XX/XX/XXXX, but they were NOT 30 days late. 

Please see attached paperwork and bank statements showing that the funds cleared prior to the end of XX/XX/XXXX. 

Thank you in advance.
Enclosed is a letter I Sent to USAA BANK certified and registered. I sent it to the ATTORNEY GENERAL and as promised, I am sending it to the media. If you are in trouble or with USSA BANK and having same or similar issues with them from illegal stealing of account money, closing accounts and not telling you, keeping your insurance claim money, lying, refusing to call back on legal matters that FTC commission deems as bad faith or if you dealing with XXXX a CEO or XXXX XXXX XXXX XXXX at USAA BANK and want start a class action lawsuit against them call me, if you are FTC or a regulator or an attorney please call me, I have more than enough proof on every department of USAA BANK as being theft related, also USAA BANK better remember one thing clear, they do not have stock holders are not federal, and claim the members are part owner, so if that is the case, WHERE IS MY MONEY
I 've been trying to contact XXXX XXXX for over 3 days. When I log onto my account, this is the message I get repeatedly : " We are temporarily unable to complete your request. '' This is then followed by a statement that the site is busy due to the XXXX breach. 

I called their service center, which is IN XXXX, and spoke with someone who could not speak clear XXXX. I ended up giving him personal info. I do n't know how secure that was. 

I 'm at my wits end the credit bureaus. I will be placing a notice on my XXXX page about XXXX XXXX being a scam operation. I do n't care what anyone does about this, I 'm going to bring them down. I mean it. 

PLEASE HELP.
XX/XX/2018, is the date stated on my credit report as an inquiry for an autoloan. I did not submit an application to XXXX. When the customer service department was contacted on XX/XX/18 to dispute the inquiry, I was given an excuse as to why it could not be deleted. I tried another time on XX/XX/XXXX with XXXX, who advised me to contact the company and the same resolution was given. My car was financed with XXXX XXXX and not XXXX XXXX. I do not have an open account with the company at all.
We signed up for the American Express XXXX card in XXXX under their promo to spend $ 3k to get 25k bonus points. We spent close to $ XXXX and didn't get the bonus. After several billing cycles closed, we contacted Amex to ask about the bonus and they told us to wait and that they couldn't open a case until after 6-8 weeks after the spending was met. We waited and then contacted Amex in XXXX and was told we didn't meet the limit because the promo we signed up for required $ XXXX spend and we were short {$190.00}. They misled us and caused us to lose out on the bonus that is worth at least {$400.00} in value. They said the welcome letter included the terms of the bonus and we've been a customer since 1995 and I have never seen any disclosure to the welcome bonus. The only disclosure we received is the fees. It's a shame that a company as AMEX would try to lure loyal customers to use their cards and then cheat customers out of their hard earned money and points.
I do n't know if I have the right email address but I would like to file a compliant on Bank of America Mortgage practices. I was in the process of selling my home and XXXX liens were placed against my house from previous loan modifications. We were ready to move forward with closing and we received a letter from Bank of America stating they are going to forgive a subordinate note in the amount of {$52000.00}. After further research I found out this forgiveness was part of Bank of America 's terms of settlement with the justice department over mortgage fraud allegations. My problem is that I contacted Bank of America to receive a letter stating they were going to release the lien on the property with this forgiveness letter that I received. However, when I contacted the Bank for the letter to release the lien, I was told that the process will take anywhere from XXXX months for the lien to be released. They said that this is because the justice department takes so long to process the request and they have no control over this process. So here I am as a consumer for the bank, ready to close on my property and I ca n't take part in this forgiveness because I do n't have a clear title. I would have to wait XXXX months to be able to relist my house and then find a new seller to purchase my house. I would lose my buyer because of the XXXX month delay. 

I feel that Bank of America is taking advantage of the situation they have with the Justice department and not providing the relief to the consumer which is the primary purpose of the fine. Bank of America did n't send this forgiveness letter until I inquired about paying off the property. If I close on the house, I lose the ability to take part in the program. I feel that the XXXX month window to release a lien is unrealistic and down right unfair to the consumer. I have asked to speak with a supervisor multiple times and left XXXX voicemail 's with the supervisor to discuss my issue. 

I am put in a difficult situation in which I can either move forward with selling my home, paying the subordinate note in full and losing the opportunity to take part in the program. I am furious with the customer service, the response time and overall experience with Bank of America. 

Thank you for the time.
On XXXX XXXX, 2016, and XXXX XXXX, 2016 XXXX XXXX, an authorized user of one of my debit cards, as he has done so many times before, went to the XXXX XXXX XXXX ( bought now by XXXX XXXX ) on XXXX XXXX, XXXX XXXX in XXXX, Ohio. It is the closest ATM to us. He made a balance inquiry. No where on the screen is there a statement that a balance inquiry will result in a charge of {$3.00} if you do not have an account at this particular bank. I had {$8.00} in my account on XXXX XXXX and went to spend a little over {$5.00}. Because he did not know there was a {$3.00} charge for checking my account balance, I was overdrawn. It has taken me awhile to figure out what was going on. I would appreciate your interceding with this large financial intermediary and remedying their shadowy, venal behavior. This is another example of a large for profit entity leaching off consumers to, drip by drip, swell their profits. We can not afford to subsidize the bank.
This account reported on my credit report and I have no idea even it 's my account due to lack of communication I have not received and correspondence by mail or phone.
Equifax improperly protected my identity and my financial information was stolen. Their negligence exposes me to identify theft and financial hardship,
The interest rate is RIDICULOUS Ive never gotten explained this interest rate and i dont recall agreeing to these terms. The sales man was very misleading. Ive tried to get this explained to me or at least get the original contract where Ive signed for this and it has yet to returned to me.
This debt for {$240.00} just hit my credit report and i have NO IDEA what it is for! it mentions a loan business that i used once in XXXX, Oregon about 4 years ago!!! if i owed them some money ( which i do not! ) i would be happy to pay it off ( If they called me! ). I received 0 phone calls, 0 emails, and 0 letters to attempt to collect any debt from myself! I have called the loan place i referred to " XXXX XXXX XXXX XXXX '' and after a search of all my data including SSN they say i do not owe anything. This says the original bill is from " XXXX XXXX XXXX '' which i have never heard of and can not find on XXXX. It says account opened on XX/XX/2018 AGAIN! i have no idea what this is! i am reporting FRAUD unless someone calls me and explains! they will not answer the phone number that is on the credit report! REMOVE FROM MY REPORT FOR FRAUD AS OF NOW! call me XXXX and prove the debt is mine and i will pay! if not i will fight this legally!
I received paper bill statements through the mail from TD Bank/Target and was changed to " electronic bills '' without my expressed consent or knowledge. I was in FL over a month with my XXXX ( XXXX XXXX  ) grandmother in XXXX 2018, my partner informed me of all received bills. Target wasn't one, so I was unaware there of a ~ {$40.00} balance and late fees along with locking the card because it was 2 days late. I called, was told the balance and paid immediately. The rep removed the late charge and told me it shouldn't be an issue after the explanation and since I had the card almost a decade with no issues. I received a notice stating I was reported to all 4 credit bureaus. I called and was told to write, which I did on XXXX XXXX, 2018. I received a response on XXXX XXXX, 2018 stating they investigated and are correct. I called on XX/XX/2018 and spoke with a supervisor at TD Bank and requested when the paperless billing was approved by me but he couldn't find a date. He stated there is nothing he can do. My credit score dropped from the XXXX by XXXX points due to TD Bank doing this.
On XX/XX/18, I pulled a copy of my XXXX  Credit report and noticed a debt collection company that I had submitted a dispute letter concerning a past due medical bill for XXXX XXXX.
XXXX has stated they did not participate with the HAMP or HARP programs. I been unemployed and underemployed a few time since XXXX and have completed a number of modification applications. Everytime I contact XXXX and tried to have a resolution to this hardship. The last time I tried. They denied the application due to the amount of monies owed. I have repeated asked for qualifying for any forgiveness programs. I have been told they have in house programs that would help. I am currently unable to find a solution. My father, XXXX y/o, and name is on the mortgage. Lives in the property and is taking XXXX who recently had XXXX I added his income to the application. It took over XXXX months to get a response and then a denial. The debt to income ratios are within 30-35 percent and the debt is more than the value of the house. This is a TRUE hardship.
Experian has to many Inquiries on my credit file that I did not apply for or give permission. Experian says that I applied or tried to obtain credit. Experian has companies I did not apply for credit. 
Experian has nothing to support what they say by no contract nor any supporting documents. just words as in fraud by Experian with no support.
I would like to thank the Consumer Financial Protection Bureau for allowing the opportunity to post my Complaint. I have been an Ocwen customer since XXXX XXXX XXXX. I received a Mortgage amount increase of {$15.00}. I am sending this complaint today XXXX XXXX XXXX and have not received a explanation of this increase. The payment of {$1200.00} has remained the same since XXXX of XXXX, fluctuating a few dollars more or less since then. I am sending you the Mortgage Account XXXX for XXXX XXXX. Ocwen includes a note on the bottom referencing the increase with no detailed reason for new Mortgage Amount of {$1200.00}. Mortgage Account Number is XXXX. Ocwen has admitted in the last year or XXXX that their Mortgage Processing and Accounting System may be questionable at times. Thank you once again for your Professionalism and high regard for Ethics in a sometimes confused and disoriented Economic Culture.
Equifax is not responding to any of my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
This company reported that I owed medical bill. This company reported they have contacted me twice and left a message. Never got any messages. This company reported that I sent them something by fax. I do not own a fax machine. All my correspondence is done my mail which is a paper trail for me. This company stated they have sent me several letters. I only have received one letter with my diagnoses. This company has refused to validated because they are right. I feel like this company is violated the FCRA as a consumer and they are getting away with it.
After requesting the information to be sent and not to be called until i receive the documentation, i was called at my place of work and verbally insulted. i asked repeatedly for the persons name and they refused to provide it. i have asked to not be contacted again but they continue to call.