WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX here, I am new customer to M & T ( end of XXXX ) and I was offended to see when I first looked at my statements from XXXX and XXXX that I have been charged over {$120.00} in ATM fees. I understand that account sometimes had fees but I had no idea that M & T would charge me {$3.00} per transaction just to check a balance?! I was charged {$3.00} approximately XXXX times in XXXX months to check my balance from other ATMS!? I was told at XXXX XXXX NY branch that " I thought they stopped that ''. I was charged to check my balance also! I feel as if I am being targeted due to my low income.
I have a mortgage with Ocwen Loan Company. I have had issues with Ocwen in the past - mostly due to the fact that their workforce consists of people who do not have a command of the English language. 

I take care of my XXXX father and he has been in and out of the hospital. He is well right now and I am slowly going through mail. I discovered an escrow refund check dated XXXX/XXXX/15. I can no longer cash the check. When I have discovered checks from other companies that have expired, the company that issued the check is very happy to re-issue the check. I called Ocwen to please re-issue the check or apply the amount to my loan, they stated that they probably would not and it would take a week to investigate whether they could re-issue a check or not. I do n't understand why this! First, they gave the reason that my credit score was not good. My credit score has actually improved since 2015! Then they said the lowered my payment. My payment went down by XXXX dollars! That is not enough to make up the difference of {$610.00}
My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. I have paid by the due date with on-line payment, and the money has left my bank account, however it is not credited until a week later. I have been reported as late on my credit report, even though I paid the bill by the due date.
The account isn't mine : XXXX XXXX Closed : XX/XX/2017 2017
I called the XXXX. They quickly transferred me to XXXX. Who once again immediately dismissed my claim. And stated that they just administer based on the warranty provided to them by Discover. XXXX provided me a copy of the warranty in place in XXXX. I questioned the language and showed him where I was confused based on his denial. He stated that he was not allowed to change or interpret the language. But was instructed to deny the claim based on the language. The language in question is that of a " Covered Purchase '' XXXX Warranty defines Covered Purchase as : " personal property, including gifts items, not otherwise excluded, that is purchased in full by the Insured Person using your Discover Card. '' XXXX Warranty defines Covered Purchase as : " personal property, including gift items, not otherwise excluded that is purchased by the Insured Person using your Discover card. " Yet still my claim is denied? The other language change added to the XXXX description included the line : " This coverage only applies if the Insured Person charged the entire cost of the Covered Purchase, less amounts paid with either cash, store credit, gift cards issued by Discover, or other noncard network branded gift cards, to the Insured Person 's Account during the Policy period. This coverage also applies to Covered Purchases that are paid via installment plan, as long as all installments due up to the date of loss have been charged or debited to the Insured Person 's Account. " It appears my exact scenario is what is described in the XXXX language ... And it is how I as the consumer interpreted the original XXXX language. Thus I used my Discover card and Discover rewards, along with a gift card to make the major purchase of a Flat Screen LCD TV. I now feel like the information was misleading and deceptive because I was not made whole by your third party administrator on the benefits that I believed came with my card when I made the TV purchase.
I have submitted a complaint asking to correct misinformation. my mortgage original loan amount was $ XXXX the credit reporting agency has it at $ XXXX. i have pain down $ XXXX. TO THE TUNE OF NOW $ XXXX ( XXXX is non interest baring, deferred ). so the credit reporting agency is reporting approximately $ XXXX and a XXXX balloon and that is not correct, they are also reporting the origianl loan amount was $ XXXX approxiately - that is not correct it was $ XXXX. Its not that complicated XXXX had my loan and the original loan amount was $ XXXX then Rushmore changed it to inaccurate reflection. this problem is that it lowers my score because it looks like i have not paid down a loan that ive hade since XXXX and I did. ALSO why is Rushmore reporting payments for a time thety did not service my loan. they obtained servicing rights XX/XX/XXXX first payment date to Rushmore and months later they are reporting payments for XXXX and they have no idea that they can not report on servicing when they have not been assigned servicing rights. Also. how are the acting as a servicer of my loan when there NO original NOTE. Anywhere.. My understanding is that in order for a servicer to collect payments and service a loan there must be an Original note, not a copy of a note but the original note. I have research through much time and throughout the industry .... there is no original note. therefore collections of payments, collections, preforclosure, foreclosure if done is not in compliance. There is a very good reason why original not is required to protect mortgagor and Mortgagee. If original note is not held thean anyone that has the original note can collect of the full amount of that note. thats why the origianl note must be in place to collect and service mortgage payments. Or there is a flaw in securing a property. as I see it without haveing the original note ... these paymemts are being collected without merrit and possibly without Legal right ( without predjudice )
XXXX XXXX XXXX XXXX who works for American Express constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to American express when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to American express and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XX/XX/2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.
I opened a Citi Priority Account Package on line on XX/XX/2018 during Citibank had a promotional opening bonus between XXXX. ( see attachment 1 ) Citibank sent me a message states my application of Citi Priority Account Package with Regular Checking and Citi Savings is being processed. ( see attachment 2 ) Per their promotion requirement, I deposited {$50000.00} bank fund into my City Priority account around XX/XX/18 and maintained the same balance until XX/XX/18. 

Since I have not received {$600.00} cash bonus, I questioned Citibank and ask for the promotion on XX/XX/2018. 

XX/XX/18, Citibank denied my request and provided a reason that I did not opened a saving account during their promotion period. ( See attachment # 3 ) Here is my complaint : 1. I opened Citi Priority Account Package with Regular checking and SAVINGS at same time. Citi 's application confirmation shows so. 

2. If I am NOT eligible to open the Savings account, should Citi send me any notice on this issue once their process is done? Why I have nerve receive any notification from Citibank since I applied to open a Citi Savings?? 

Perhaps Citibank had a mistake on their process and not open a savings account for me. Then they have to honor this promotion bonus to me. If they continually blame customer do not meet their requirement, that could be a cheating and misleading!
PENTAGON FEDERAL CREDIT UNION reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with Pentagon Federal Union a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do.

The only documentation they were able to provide was a Notice to Guarantor from Pentagon Federal Credit Union and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from Pentagon Federal Credit Union clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they Pentagon Federal Credit Union have fail to follow and adhere to.
Still mailing me after a C & D on XXXX/XXXX/2015 was faxed, faxed another on XXXX/XXXX/2015, another on XXXX/XXXX/2015 and now another letter has arrived. 

Exactly what has to be done to shut down blatant FDCPA violators? CFPB needs to step it up.
Chase transferred my account to XXXX XXXX XXXX during the loan modification process. In light of this transfer, I am requesting a " goodwill '' adjustment on the reporting of this account to the XXXX credit bureaus and removal of all late reporting.
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FOCUS FINANCIAL SERVIC XXXX and XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
On my report is states that I have XXXX XXXX XXXX XXXX XXXX accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed XXXX basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.
I am going through bankruptcy and I am trying to rent the house, like I told the court I was going to do- otherwise I will lose my house. There was bad damage caused by vandalism and I filed a claim with XXXX. They paid the Loan Servicer money for the repairs, but the servicer refuses to release the money. There was a second claim filed with the lender place policy, by the bank for further damage, but they denied the claim. I filed a claim and they have ignored my repeated calls. I have been getting the run around about this money for nearly 2 years. I am in foreclosure and bankruptcy, if the bank continues to ignore me and refusing to release funds issued for repairs, I will lose my home. Please help me. They have had me resend documents, in order to release the funds SEVERAL times. They keep asking for the same documents, claiming they were not received or something is missing.
Equifax was the victim of a hacking incident on or before XX/XX/XXXX that involved the theft of personal information of approximately 143 million persons. The data stolen included social security numbers, home addresses, full names and birthdates. I used the website that Equifax provided, www.equifaxsecurity2017.com to see if my information was among those compromised. Equifax suggested that they believed that it was. I have placed a 90-day fraud report on my credit report via XXXX 's phone service. 

Equifax was made aware of the breach on XX/XX/XXXX, but did not notify any of the affected persons until XX/XX/XXXX, over a month later. This is a serious breach of trust on the part of Equifax. Additionally, Equifax has set up a website that seems to treat the data breach as a marketing opportunity. www.equifaxsecurity2017.com does not explicitly tell consumers whether or not they are among the consumers affected. It merely suggests that they may be affected and then begins a sign-up process for Equifax 's credit monitoring service. Finally, Equifax clearly did not take strong enough measures to protect consumer data.
On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX, Illinois, for the total amount of {$2200.00} purchased through XXXX XXXX XXXX XXXX, Phone # XXXX. I was told by XXXX  that I would have 18 months to pay this off interest free. After 18 months, I would begin to pay interest on the amount unpaid. I agreed to this. I paid {$77.00} per month for 18 months and on XX/XX/XXXX, I received a statement where XXXX XXXX XXXX XXXX added an interest charge of {$340.00} for the 18 months previously. I called Wells Fargo on XX/XX/XXXX and disputed the charge. I talked to XXXX from the Executive Office at XXXX XXXX XXXX XXXX   and was given the name of the Executive that would be helping me find a resolution to this charge. His name is XXXX XXXX I was given a Case # XXXX. On XX/XX/XXXX, I called Wells Fargo to check the status of my case. I talked to XXXX. He stated that he would be sending an email out to XXXX. Still no response. On XX/XX/XXXX, I called Wells Fargo again and spoke to XXXX. XXXX   states that they can not help me because I agreed to the terms. My argument was, that I did not agree to pay on interest that was deferred for 18 months, and that I had agreed to pay the interest after the 18 months.

I feel that I was incorrectly informed regarding how the interest rate worked and can not agree with their resolution of writing off the interest and paying the remaining balance of {$1100.00}. I could not afford the XXXX XXXX then and I can not afford to pay the balance in full. That is why I agreed to pay in monthly installments.

Anything that you can do to help me financially would be appreciated.

Thank you for your time.
PNC hit my PNC checking account for XXXX overdraft fees ( {$36.00} each ) and inaccurately disclosed my account activity and balance to me. I use their on-line services to check my balances. I electronically transfer funds between several checking accounts to make sure that I have enough money in my account to cover my checks. If I am at a grocery store or a restaurant and plan to pay with my debit card, I electronically transfer money from one checking account to another and the money is there for immediate use. On the evening of XXXX XXXX I had a positive balance. However I transferred {$65.00} into one of my checking accounts ( ending in XXXX ) because I knew that I had XXXX checks that were going to come in soon. Additionally I knew that I on XXXX XXXX I would be getting a direct deposit to my checking account ( ending in XXXX ) Additionally I when I make a deposit in a branch at the tellers line I CONSTANTLY ask the tellers to confirm that " If a debit hits my account the same day as a cash deposit, will I incur an overdraft fee? '' The answer is 'no fees will be applied '. I 've included XXXX attachments to support my claim. At no time did PNC report a negative balance to me on the on-line tool that they provide to me. 
I 've attached a screen shot from my on-line screen. Clearly shows enough money to cover my debts. Also shows that they overdrafted me with a positive balance of $ .XXXX.PNC has been sued before for their Overdraft policies and activities and I 've received XXXX very small settlement checks from the settlement fund. Apparently they have poor business practices with their overdraft activity.They continue to abuse me.
the asset recovery company is not the original debtor and some of the debts are very old as well. the medical place that takes care of my bills pays my bills and i pay the deductible. they have threatened to take actions against me n repeatedly call me. the original debtor XXXX no longer exist even. they sign paper work with XXXX and always try collecting more. a form of double billing. these debts asset recovery keeps reporting has hurt my credit like they said they would do. again the original debtor is out of buseness n asset recovery bought the debt and are doing all they can to hurt me financially.
I have an outstanding derogatory balance on my credit card statement, while I have been on-time with close to XXXX % of my payments that I have ever been bound to. This debt collection company has never made an attempt to contact me via phone, mail or any other means of communication.I suspect that the balance has been subject to excessive charges if it is in fact my debt or it is a debt that is due to identity theft or other unauthorized activity.