WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I wrote a check to be given to my landlord by my roommate, It was dated the XX/XX/XXXX. on the XX/XX/XXXX I awoke to find that my account was overdrafted because the check was able to be cashed on XX/XX/XXXX, even though that date was not valid to cash the check. I was told by the the receiving bank that they had no problem taking the check which was not yet valid ( to my knowledge ). The drafting bank did refund the overdraft fee, but I feel as if this is insufficient protection to the consumer. I am a resident of FL. This practice is damaging not only to the consumer but to the reputation of banks and banking practices. If any other type of payment system/contract was handled in such a way, ACH for example, lawsuits would quickly follow and judgement awarded. I do not feel that my signature alone on a promissory note is sufficient and should only be honored on the date the check was intended to be deposited and not just accepted and executed because it is signed. To me that is as unscrupulous as changing the amount of on the check itself. It is a whole document, banks should not be able to pick and choose what parts of a check are important and which are not. My signature states that the check is good on the date promised, not before.
I made a purchase online through HSN.com. In order to get promotional offer, I was told I needed to open an HSN card which I did. I made a purchase on XXXX/XXXX/XXXX for {$130.00} then another purchase on XXXX/XXXX/XXXX for {$47.00}. In the month of XXXX, I called inquiring about the credit card and was told the bill would be generated in XXXX. I waited until XXXX, once I received the bill, I made the payment on XXXX/XXXX/XXXX for the total {$180.00}. On XXXX XXXX, XXXX, I was then charged finance charge of {$4.00}, then on XXXX/XXXX/XXXX was then charged a late fee of {$27.00} and on XXXX/XXXX/XXXX minimum charge of {$1.00}. In fact, I was n't aware I had those charges on my account. HSN or the credit card company did not notify me so I was under the impression I paid my credit balance in full. After I found out about the charges, I called HSN spoke  to a representative who stated they will look into it and freeze the account. I was n't comfortable with the fraudulent charges so made the payment once again on XXXX/XXXX/XXXX of {$59.00} simply because I do not want it affect my credit score. Now my account is at {$0.00}. Today, I checked my account there is a finance charge of {$1.00}. First of all, I would NEVER shop at HSN the  worst and I would like to know why do they keep incurred another charge of {$1.00} towards my credit card when in fact I made all payments included the frudelent charges the placed on my account. Please help, I am frustrated and will to file a lawsuit against this company!!!!! Please contact HSN at XXXX.
I received Private student loans from Sallie Mae while attending college. Paying the loan back became nearly impossible, due to unforeseen issues, exploding interest rates, and other financial burdens. 
After several months/years of late payments and exhausted forbearances, I entered into a settlement agreement with Sallie Mae. The terms of the loan were intense repayment, but would relinquish the debt for a lesser amount. I agreed and fulfilled by end of the agreement, even though extremely difficult on me financially. 
Upon completing my end of the agreement, Sallie Mae had become XXXX. XXXX completely disregarded my settlement offer ( which I provided them proof of ), as well as, the fulfillment of the terms stated within the agreement ( also provided proof of payment ). XXXX continues to report these loans negatively on my credit, as well as, my fathers ( who was a co-signer ). The settlement offer includes him in the agreement. These years of negative credit reporting have costs me XXXX of dollars in unnecessary high interest rates on loans I 've been able to get for a mortgage, car, credit, etc. I have been repeatedly declined for credit due to these negative reportings, as has my father. 
I fulfilled my end of the agreement, only to be tormented, harassed, and penalized by this company. PLEASE HELP!
I have a debt on my credit report from : Telerecovey of Louisiana I have disputed this debt many times with XXXX, XXXX, XXXX. 
I am unaware of this debt, yet this company is reporting that the account belongs to me. 

1. I NEVER received a letter of Debt 2. I DO NOT KNOW OF THIS DEBT 3. 
On XX/XX/2018, I mailed a Validation of Debt Letter to the company. I mailed letter to the address reported to the credit bureaus. I asked for reason of debt, original contract signed by me, and calculations of Debt. 
It has been 30days, and I have not received a response. 
This is wrongful collection practices.
Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report number which is below. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX XXXX XXXXXXXX NC )
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt
collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
In XXXX 2014 I purchased a new vehicle. The auto dealer brokered financing for a car loan. Now I am attempting to purchase a home and can not obtain a mortgage because I have over XXXX hard inquiries on my credit reports from all XXXX agencies. 
Capital One Auto Finance pulled my XXXX, XXXX and XXXX credit inquiry on XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14 and XXXX/XXXX/14. XXXX inquiries in XXXX months on all three reports? How is this allowed?
This is a follow-on to CFPB complaint # XXXX, dated XX/XX/XXXX associated with PNC Mortgage Company and PMI payments which should have been cancelled automatically. 

This complaint has been closed by the CFPB and PNC Bank has sent me a computer generated letter, dated XX/XX/XXXX, stating that I am no longer required to carry Private Mortgage Insurance ( PMI ), which I appreciate. However, they did not address my proposed and fair remedy to the problem and that is why I have created this new complaint. 

As previously stated in my correspondence and agreed by PNC, I started communicating with PNC in XX/XX/XXXX, regarding the removal of PMI on my loan. Based on PNC 's PMI removal requirements, my loan principle balance was below 78 % with the XX/XX/XXXX payment. Based on my original loan PMI documentation, PMI should have been automatically stopped at this time. It was not. 

On XX/XX/XXXX, I again wrote PNC, requesting deletion of PMI. They either did not read all information that I submitted or chose to ignore it and again sent me computer generated information on PMI. My complaint to CFPB regarding this was submitted on XX/XX/XXXX. In the CFPB complaint I proposed that PMI be terminated effective with the XX/XX/XXXX payment, which I thought was more than fair based on my communications and evidence. I did not request an effective date of XX/XX/XXXX, which legally, I should have been entitled to. In PNCs response to me and analysis of escrow account, the effective date would be XX/XX/XXXX. In addition, for XX/XX/XXXX, they charged me double for PMI ( MIP ) : {$86.00} versus {$43.00}. I received a refund of {$10.00} from XXXX, PNC 's partially owned PMI company. 

It was not my fault that the PMI document was originally written incorrectly and I did everything I could to resolve this issue in a timely manner. Based on the timeline of my communications regarding this and the PMI documentation, I was being more than fair by requesting a PMI termination date of XX/XX/XXXX instead of XX/XX/XXXX. Instead, they have taken an additional {$110.00} PMI ( MIP ) ( {$43.00} for XXXX plus {$86.00} for XXXX and minus {$10.00} refund check ) from my account. I request that I be refunded the {$110.00} overcharge or provided with detailed correspondence which clearly explains why I have been charged PMI for XX/XX/XXXX and double PMI for XX/XX/XXXX.
In XXXX 2015 my husband 's was behind on mortgage Nationwide advantage mortgage send me a letter to contribute my income wich i did in XXXX while waiting for modification they foreclosed i feel i was discriminated for not using my income i have full time job and income now we have 30 days to move out
I submitted a complaint on XX/XX/2018 ( Reference : XXXX ). They said that emailed me a Credit Score, but I never got it. And still companies can not retrieve my credit score from Equifax.
I obtained a copy of my credit report from all 3 bureaus on XX/XX/2018 and the company XXXX XXXX XXXX XXXX XXXX reported that I owe them {$400.00}. I did not recognize the company XXXX XXXX XXXX and knew I didn't owe them any money, so I sent them a request to validate this debt to me on XX/XX/2018 via USPS certified mail # XXXX XXXX XXXX XXXX XXXX. I requested they send me a signed contract, a description of what the money was for, how did they calculate that amount, and I also asked them to show me that they were licensed to collect in my state. They responded on XX/XX/2018, asking me to supply the name of my attorney who may act on my behalf. They followed up a day or two later with a letter making me aware of their credit reporting policy. This letter was undated. On XX/XX/2018, they sent me a letter telling me that they reviewed the information provided by the previous creditor and found that the information was accurate. They did not send me any proof of the information they reviewed by the previous creditor, only that it was correct. They attached a letter sent to me by XXXX XXXX XXXX XXXX XXXX telling me that my account was sold to them, but still no proof of the debt. On XX/XX/2018, I sent another letter to them letting them know that they did not supply the necessary information to validate my debt. I gave them 15 days to respond, they waited until XX/XX/2018, they sent me a duplicate of their original letter in response. They are currently still reporting to all 3 credit bureaus. I have contacted all 3 bureaus letting them know they are reporting unvalidated incorrect information and they refuse to remove the false information.
I had started a dispute with Equifax credit reporting agency, its been three weeks and my disputes are completed. I know this because I 'm getting notices from Equifax by email say this is my conformation numbers and my dispute are ready to view. SO I CLICK ON THERE SITE TYPE IN MY INFORMATION EQUIFAX REQUEST. and it say we do n't have your information correctly so I retype what there asking again and double check to make sure its correct and same thing happens. So I call there help line XXXX XXXX XXXX finally get a person they tell me to call the help line??? which is the same number as I called then I can barley understand them and very rude. I only have so many day to check my settled dispute before its removed. at this point I 'm sooo upset I 'm ready to bring them to court myself. Please help me get this resolved This company should be shut down for there handling of public private information plus the handling of there costumer relations is terrible. I will take this further if you cant help me. which I hope you can, Thank you for ready my complaint XXXX XXXX XXXX
I received three phone calls today from a debt collection agency, but I do not nor have I ever owed them any money. Since I got my new cell phone ( XXXX XXXX ), I have received many phone calls from debt collectors and scams. I tried changing the number once already but the debt collectors and scams keeps calling. I have never had such a bad experience with a cell phone.
We moved to a new neighborhood and got a letter from Citizens Bank offering a XXXX dollars direct deposit checking account bonus if we make another any deposit within 45 days after the first opening deposition. 
I went in to a local branch. A rep there helped me to open an account, and enrolled me with an overdraft insurance ( XXXX bucks ) without even telling me, and charged XXXX dollars maintanence fee each month since I did not deposit enough money the XXXX time.Ane he gave me XXXX dollars for opening that account. 
And then I went in a few days later to deposit enough money so I could be waived for XXXX bucks for maintanence. The rep promised me to credit me back that XXXX bucks, and the XXXX bucks after I told him I do n't want that. 
After a few months, I checked my account, and found the XXXX total bucks were never credited back to me. I called the rep, he promised to refund me again. 
Again after a couple of month, I contacted him the XXXX time. He promised to do it again. 
As of today, it has been more than 7 months after I opened that account, and I have never received that XXXX dollar bonus as promised to be credited within 4 months, and I still never got back that XXXX bucks, and I am leaving this area soon, I finally went to talk with that rep face to face. 
He finally credited me that XXXX bucks he should have never charged. But he did not give me that XXXX bucks. The reason he gave me is following after he talked to someone on the phone : The XXXX dollars opening bonus he gave me cancelled out my XXXX bucks bonus!! 

I said why do n't you cancel that XXXX bonus and let me have the XXXX bonus then. He said that is a done deal and he can not change it. 

I clearly showed him the XXXX bonus certificate when I went to open that account!!! 
I guess that is how citizens bank honor their opening bonus. A very disappointing experience from me.I almost lost XXXX bucks instead of getting XXXX. What a joke.
Keeps calling. Never received anything in writing from them regarding any debt. We do not have any debts. They try to trick you into answering the phone by saying that if you do not disconnect, they assume you are the party they are calling. Plain harassment tactics.
CREDIT PLUS Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquirer Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I only appyied for one mortage loan for each company, why are the inquiry reaccuring?
A loan modification package has been submitted to the lender for loan modification review/assistance - the lender has refused to postpone sale set for XXXX/XXXX/17 to allow the review to take place.
It has been 14 days since I did a load at XXXX through XXXX to my Rushcard and still no reflection to my account balance I have called company everyday only to get either hung up on or on hold for hrs then hung up on CSR cant say when issue will be resolved this is putting me in a financial bind I even reached out to XXXX to see if load can be reversed and they said being the fact that they show that Rushcard has received this money they Rushcard would have to notify them to cancel transaction which is a catch XXXX situation because according to Rushcard they cant look anything up so very frustrating I have been with this company for 5years and trusted them with my money and for this to happen is just unacceptable PLEASE HELP
Midland Funding , LLC a collection company is listed on both XXXX and XXXX credit bureaus as a collection account for XXXX dating back to 1999. The original creditor was XXXX with whom I had the telephone account. XXXX was not able to provide documentation as to why I owed on this account. I had XXXX phone service for many years and always paid for my phone service. I could pay this and make it go away but I do n't think it is fair that they are pursuing collection activity for something I do not owe.
I called all of these companies on XX/XX/XXXX to get some understanding of why they was on my XXXX report XX/XX/XXXX as a inquirie. They ask did i apply for a car or co-sign i repeated " No i dont even have a driver license nor did i co sign for anybody ''. They agree to send notice to the Credit Bureau agree to delete. Well here we are XX/XX/XXXX and it is still on there.
This collector, XXXX XXXX XXXX, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).
previous filed complaint with CFPB # XXXX on XXXX XXXX, XXXX and referred me to FDIC and now FDIC referred me back to CFPB because the problem is XXXX which need to correct the data report. 

At first when I tried to open a bank account with other bank and was declined due to the report from my previous XXXX XXXX XXXX Bank marked it paid which is not indicated what type of paid that what I was informed from the bank declined me. Now the invested were completed from FDIC and revealed that the XXXX XXXX XXXX bank did n't report any negative report after the closing filed from first FDIC XXXX XXXX. No. : XXXX ) but when I tried to open bank account with other bank and still indicated paid which no one know what type of paid so I contacted to FDIC again and final investigate indicated from the XXXX XXXX XXXX Bank XXXX XXXX XXXX did n't pay for any charge off and indicate the paid was XXXX that mean XXXX did n't pay for charge off. and since XXXX still have the negative report on my credit report so FDIC told me to file the complete to CFPB because your company is the XXXX dealing with XXXX. and also about bank fraud. I filed the police report about bank fraud for the XXXX XXXX bank after I able to get the phone number from my XXXX and found out about the report about XXXX XXXX bank fraud and scam which I enclosed all the attached here with. XXXX have to clear my report on my report data because it causes me damage to not able to open an account since i am the victim made by XXXX XXXX bank. see from my search attached.
Following the recent publicity about the Equifax security breaches, I contacted Equifax to freeze my information. It appears that Equifax took my money, but failed to freeze my information. My mortgage broker provided me with a credit report response from Equifax more recently than the requested freeze. Additionally there are a number of items on the report I would like to dispute, but phone number the company provided was not answered by a live person, so there was no other way to submit my concern except to wait on the phone indefinitely or pay more money and submit the concern by mail. I called several Equifax numbers and was repeatedly transferred and placed on hold.
on XX/XX/XXXX I signed up for a loan from " CHECK n GO '' a payday loan office in XXXX, ca. I have been getting a payday loan from them for a number of years and was a very good customer. this office is very busy with just one girl working the desk. On this day XXXX when I was paying my {$300.00} loan she said to me " would n't it be nice to not have to drive all the way down here every month? She said we can sign you up for a {$2600.00} cash loan and you can pay back directy out of your bank account. On that day I did n't have my glasses and I am very hard of hearing ... .I am XXXX yrs. old. I was confused and frustrated since I literally could n't see or hear. all that I was sure she said is that I could save myself a trip every month. I planned to continue to do business with them as my social security just is n't enough to get by on. next she presented me with the loan papers..all of this done in a very rushed manner. I tried to make out the figures of the papers, but I could not. I remember asking her several questions for clarification, but between being XXXX and the other people all talking at once { they were complaining about how long I was taking } finally, thinking I had a fair grasp of what I was doing I signed up. I assumed there would be interest attached to this loan. INTEREST was never mentioned or pointed out to me and of course if she had pointed it out or spoke it ... I NEVER WOULD HAVE EVEN CONSIDERED SIGNING THOSE PAPERS OR BEEN THE SLIGHTEST BIT INTERESTED IN THIS DEAL. upon arriving home I finally reviewed the papers and I almost had a XXXX XXXX. I had just signed a loan with 103 % interest rate. MY WHOLE WORLD FELL APART IN ONE SECOND. ihave always been very proud of myself in being able to take care of myself and making good decisions ... now they would be taking out {$280.00} out of my bank account starting XX/XX/XXXX for 16 months. The amount I will have paid them is {$4800.00}. So far I figure I have paid them eight payments total of {$2200.00}. That pays the interest { which they take out first } THE PRINCIPAL REMAINS. wHEN I READ TIME this month I was thrilled to know that an agency has been created to protect consumers. I have no idea if you can help me? I no longer will make any finantial decisions on my own. thank you