WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I had a balance of {$25.00}, and I needed to pay my credit card payment of {$93.00}, so I deposited {$70.00} into my account and submitted the payment. At night, I again checked my statement to insure funds were above {$0.00} and I had {$2.00}. I even had a notification from them that I had a balance of this amount. I also knew that I had {$70.00} processing into the account the next morning, so I went to sleep knowing that I would never dip below {$0.00}. Then I wake up on XX/XX/XXXX to a {$35.00} overdraft fee, yet still a positive balance of {$26.00}. Apparently at midnight, a charge from XX/XX/XXXX was removed from the account and reposted, brining me down to - {$8.00} for a few hours before my money was deposited ( all while I was asleep ). After being with Bank of America for over 7 years, I was sure that if I gave them a call and explained the rare situation they could waive my fee. But I was wrong, and after talking to a representative and 2 additional levels of management, they decided to let me cancel my account rather than waive my {$35.00} fee that I did everything in my power to prevent. Instead of trying to understand my situation, they argued with me and told me i need to write down every transaction that i do. What is the point of having a bank handle my money then? With so many other options for banking ( and my credit card, which I will be transferring soon ) I decided to cancel. I don't think that it is right for them to charge these fees in the middle of the night when I have no way to prevent or fix the situation. I look forward to telling my story to family and friends, many of which have Bank of America. Never again.
How is Wells Fargo able to approve me for a  XXXX  Mortgage Modification when the appraisal of the property is  XXXX ? Also, they have charged over  XXXX  on an Interest only pick-a-payment loan and the company settled out of court and was paid off by the government  XXXX  of dollars, and were supposed to use that money to help homeowners get a more affordable mortgage modification. They never have helped the homeowners, including myself like they were supposed to! I would like an explanation of why this is being allowed and how this is legal to do.
On XXXX/XXXX/XXXX Equifax issued the results of my dispute concerning erroneous information reported in my credit file. My report was updated as a result. Today I discovered that the false information had been re-inserted in the file, a fact I only learned because I received a letter from XXXX ( my credit card company ), advising me that as a result of reviewing my credit report with Equifax they took advserse action as to my standing and reduced my credit line ( essentially down to the existing balance amount ). Equifax acted illegally because I was not provided 5 days notice of the re-insertion ( which they have also failed to do in the past ) and because the information is false. The XXXX account in question was forgiven in XXXX and reported to the IRS on a XXXX as income to me as a result. It appears that the account has once again been re-aged for purposes of updating the negative reporting ( shows XXXX ) which is also illegal. Moreover, the law states that if the account can not be verified it must be deleted, which Equifax appears unwilling to do as it is required. I am attaching the following documentation : 1 ) the entry of XXXX in my report as it is showing today, 2 ) the XXXX from the XXXX forgiveness, 3 ) the XXXX/XXXX/XXXX Equifax dispute results, 4 ) the entry of the XXXX account on my credit report as of the XXXX/XXXX/XXXX dispute results and 5 ) the list of creditors, from my report as of today, which have done an account review when the false information was included in my report and depressing my credit score ( this include XXXX 's which too adverse action and XXXX ).
I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX bank when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.
I was on XXXX asking about XXXX promotion he messaged me asking for acsess to account but was sending code for paypal I got email this XXXX XXXX had taken XXXX from my paypal account over drawn my bank account I reported but not response
Medical Data systems, Inc is attempting to collect a debt that I do n't owe nor have I ever established a contract with this company. You purchased a debt from a company that claims that I owe them but by you obtaining the debt does not legally bind me to owe you anyting, furthermore they are in complete violation of HIPPA and FCRA law which is violation of the law
A man from their corporate office has called me repeatedly and has now escalated to yelling at me on the phone. he was very rude to the point of me hanging up on him
I was scammed through XXXX on XX/XX/2018 - by sending money from my chase bank account to another person and I contacted my bank and they said they wouldnt do anything for me.
In 2014 I pulled my first annual credit report and noticed Midland Funding listed on my report. I did n't recognize where the charges came from so I contacted XXXX by letter and asked for verification of the debt. Midland responded XXXX a bill from XXXX with an address listed in XXXX that I have never lived at - I have lived in XXXX for 12 years.The debt is inaccurate and non-collectible as the debt is a result from illegal cramming charges which XXXX lost a lawsuit for in XXXX of 2014. XXXX has verified that I was indeed a victim of false charges and I have attached proof ( XXXX attached ) of cramming from XXXX 's verification site.
Fidelity VISA card allows 2 % cash back on reward points. 
XXXX XXXX & XXXX XXXX also have monetary " cash '' back on their reward program. 

Fidelity VISA card is issue through US BANk and it 's credit card services for US BANK states " any monetary amount excced {$600.00} will be taxable ''. This is inconsistent with XXXX XXXX ( 1.5 % back CC and XXXX XXXX XXXX ) redemption programs on their reward points. 

Thus NO XXXX tax form is generated at XXXX XXXX or XXXX for reward point redemption. US Bank via Elan Servcies claism they will be sending tax information for value of {$600.00}. 

XXXX institutions with reward redemption programs and ONLy the Fidelity/US Bank seem to TAX you. 

Request a tax specialist at Fidelity & US Bank respond in detail as the usage of taxation on reward points seem inappropriate and should be consistent with XXXX XXXX & XXXX XXXX XXXX and be non-taxable income.
I reviewed my credit report and observed that AFNI conducted a hard hit inquiry that I did not authorize. AFNI has previously attemted to collect a debt that is not mine. After I filed a complaint with the Consumer Financial Protection Bureau, AFNI withdrew from attempting to collect a debt that I did not owe.
Hello, I have a closed credit card account with Wells Fargo that was opened XX/XX/18. The account is in collections. I tried to work with Wells Fargo in order to come to a resolution and get the delinquency paid. I would like the closed account/delinquency removed from my credit report. Please assist.
I have a previously paid in full student loan for my  XXXX .     Loans for my  XXXX   XXXX  were arranged by university of  XXXX  and managed by   Navient.
Navient   : difficulty with payment application to multiple accounts.     Was directed to forbearance and returned forms to  Navient  - they did n't apply forbearance and hurt my credit.     Attempted to lower payments and was n't allowed.     Account turned to  XXXX  :  XXXX  applied high pressure tactics including calls to relatives and friends after I requested forms for payment arrangements.      XXXX  did n't send payment agreement documents as agreed. Tried to pressure me to pay them without signed agreement in writing.
I had a medical procedure done that I XXXX paid for in cash, at a discount. A couple months later I get a bill from XXXX XXXX for what would have been the balance due if I went thru the insurance instead of paying cash. I went to their local office & they confirmed that I am payed in full. Subsequently I have receieved notices from CMRE trying to collect. I am Paid in full. I want this resolved asap please.
I have XXXX, sponsored by Bank of America. I use it to accumulate miles for the mileage plan. I pay twice a month, and I never carry any balance. I pay a $ XXXX yearly fee. I believe I am being harassed by Bank of America with frivolous card changes ( forcing me to update all my payment accounts ) and locks on my credit ( they claim suspicious use ) in order to make me close my account. Curious if others have had this problem.
Original mortgage with XXXX ; they failed to accept short sale ; I was insovlent and unable to pay. XXXX transferred mortgage to XXXX, who issued a XXXX in XX/XX/2014. Now Shellpoint Mortgage Servicing is trying to collect, saying I have an outstanding mortgage with them for the same property. My credit it showing all three as unpaid and negative. The debt was cleared when the XXXX was issued.
I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our first mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from WellsFargo stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted WellsFargo to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to WellsFargo within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for WellsFargo stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from XXXX dated XXXX XXXX, 2015 that stated my mortgage was being transferred to WellsFargo effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution.
After receiving a notice in the mail on XX/XX/2016 from GC Services I made a contact call to XXXX. I received a return message to contact the agency at XXXX. The person who took my call proceeded to collect personal information from me regarding who I work for, who I bank with and my martial status. I did not understand why this was needed. I did n't understand why I 'm being contacted by this agency regarding taxes that were already paid to the City of XXXX. The caller proceeded to tell me that I needed to mail GC Services at XXXX XXXX XXXX, XXXX TX XXXX and send them copies of my cashed check, XXXX. I do n't understand why I needed to mail private financial information to an agency when all I 'm trying to understand if I owe this debt. I was not polite during this phone call. On XX/XX/2016 I mailed an official notice to verify the debt.
Today, XXXX XXXX 2016, I was alerted via my XXXX credit monitoring service that a collection has been placed on my credit file from this company representing their original client of XXXX XXXX XXXX XXXX. First and foremost, I have been a victim of identity theft and have been dealing with this for quite some time now. I have had all XXXX reporting agencies ; XXXX, XXXX and XXXX place security freezes and fraud alerts on my files accordingly since early this year. 

Apparently, my social security number has been breached and utilized for fraudulent transactions this being on of them. Here is the following information showing on my credit file as of today : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX XXXX XXXX Acct : XXXX Amount : {$6500.00} According to my credit file ( s ), the information does not match mine with the exception of my social security number. It is currently reporting under a different name and address. Also, I have never been a client of XXXX XXXX XXXX XXXX and have been a XXXX XXXX customer for over 10+ years. 

While this has not yet reported on either XXXX and XXXX, I do want to jump on this immediately since this account is not mine and is simply FRAUDULENT.
I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received private student loans from Citibank. Citibank sold some student loans to XXXX XXXX XXXX who I am currently making payments to. Citibank never notifed me about what was done with the remainder of my student loans nor did I receive any correspondence, even that they had or were selling my loans. Citibank has since placed a chargeoff of {$11000.00} on my credit report. No one is able to help me or transfer me to someone who can help. I never received notice that my loan was chargedoff. I have no idea where to make payments or any other information.
On XXXX XXXX, 2016, Bank of America issued my monthly statement which showed a payment due on XXXX/XXXX/2016, of {$150.00}. I logged into their website that day, and, since it then showed a payment due for XXXX, I made a payment of {$220.00}. When next statement came out on XX/XX/XXXX, it showed my payment on XX/XX/XXXX, posted XX/XX/XXXX, but it said I was overdue, and I was charged a late fee of {$27.00}. I called customer service, and they could n't help me, so I requested a supervisor. I spoke to XXXX, who said all he could do was remove the late fee, return my payment to me and have me pay it again. I reluctantly agreed to this since he said it was the only option to make the account current without making double payments. The fact remains that the website said I had a payment due, and I paid it in good faith. Now I am stuck paying extra interest on the {$220.00} which will now post over a month later. This may not be a huge amount of money, but it 's wrong in principle and has caused me to waste a lot of time and aggravation. I feel punished for trying to stay on top of my bill. The bottom line XXXX told him is " never pay the payment on the statement closing date, no matter what the website says ''. He did say he would submit my feedback about the site.
There was an incorrectly reported repossession that was reported on my credit report in XX/XX/2010 by XXXX XXXX XXXX. There was no repossession. No other bureaeu reports this except Equifax. I have contacted XXXX and they blame Equifax for inaccurate information and it is on them to correct. Equifax will not remove this item, besides being inaccurate this is beyond the 7 year reporting mark on credit. I'm being punished with false information that they will not remove from my credit report. This has stopped me from obtaining credit. I do not understand how a company can report false information, and beyond the time frame for reporting and still not remove it.
I would like to go on record stating that I to was a victim of Honda Car Loan Discrimination XX/XX/XXXX. I purchased a XXXX Honda Civic for my daughter. The sticker price was for XXXX. By the time they added taxes the total price was XXXX. I was told they had to charge XXXX to activate the factory built ( Honda ) theft device. Which in reality all they did was give me the keys and showed me how it worked.
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
I am so sick of complaint about Equifax 1st problem. I had an old address deleted sometime ago as I have not lived there in 8 years. XXXX XXXX XXXX is not my address and needs to be deleted as it has been at least 5 times and the continue adding it back. None of my creditors add this address. AND NO I DO NOT WANT A UNASKED FOR FRAUD ALERT. I WANT THE ADDRESS DELETED AS I AM AFRAID OF IDENTITY THEFT FROM A FAMILY MEMBER 2nd problem. I am unable to Pull a FiCO Score from XXXX and they are telling me it is a problem with Equifax not reporting correctly. 

3rd problem. They are refusing to add a XXXX XXXX credit card that XXXX and XXXX both report that I am an authorized user on My HUSBANDS CARD. I want this ADDED to My file ASAP. 

Thank you!
Here is my issue : My automobile loan was with First Niagara. I never had any issues. The service was great! First Niagara was then bought out by KeyBank. Since KeyBank has taken over my auto loan, I have had nothing but issues. 

Through my bank 's Bill Pay ( XXXX ) I have set up to make my monthly payments to KeyBank. For each of the last three or four months, KeyBank refuses to accept my payment. I then am forced to call KeyBank and when I try to explain my issue, I get hung up on. I have to call back one or two more times to get someone that will not hang up on me. I am then forced to make a payment over the phone, in which KeyBank charges convenience fees for. 

Each time I call, I then find out that there are late fees on my account. Mind you, each month I call and explain the issue, I am told that the fees will be waived. Last month when I called, KeyBank told me the issue was that I had the wrong address for their company. This is the same PO Box that KeyBank had given to me. So I changed the PO Box to what their service representative told me the address should be. I look yesterday at my bank account and see that the payment has been returned again this month. 

I am tired of the games with KeyBank. I am the XXXX and I pay my bills religiously. Please help me. I am also apparently not the only one that is having issues with KeyBank : XXXX I would love to discuss this with you.
CAINE AND WEINER SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.
I went through Ameritech Financial to pay off my student loans and to receive a debt forgiveness. They have been taking a XXXX $ payment each month from my checking account for the past 4 years. I was only suppose to pay for 2 years. Now I have a loan company called XXXX XXXX who reported me to collections because I haven't paid my loan. I have no idea where my money went for the past 4 years and what's going on.
I recently opened a credit card account for XXXX, XXXX XXXX with Capitol One Spark. I spoke to a representative about the application process beforehand. The company gave me a {$500.00} credit line. After I activated my card, I could not use it because on XXXX/XXXX/16, an unidentified Capitol One representative put an illegal hold on my account. This representative did not have a court order and acted illegally. When I filled out the application, Capitol One approved my credit, because of my credentials. I run a paralegal consultation firm. The male representative treated me in a discriminatory way and did not let me speak to a supervisor because of my gender.
I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.
Huntington bank charged me a late payment fee of {$37.00} on my Huntington XXXX credit card, although my ACH payment was made and processed a day prior to the due date of XXXX. 
on XXXX I initiated an online ACH payment for {$150.00} towards my XXXX credit card. However, on XXXX their is a late payment charged to my account ( see attached )
There are multiple inquires listed on my credit report that I have no knowledge of and did not authorize. 
1. XXXX XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX I disputed these inquires and was told they are a matter of fact, how can that be if I have no knowledge or did not authorize them.
I have contacted this company several different times and have asked for the original contract with my original signature on it, I have yet to receive any of this and it's been well over 30 days.This is an invalid account with inaccurate information in it and I demand this be removed from my credit report.Its ruining my credit score that I've worked hard to build.