WillisBack/dataset-financial-user-claim huggingface dataset:
US Bank has bumped up their overdraft charge to an astronomical level. I balanced my checkbook wrong and had XXXX checks bounce. I ended up with charges of {$140.00}. I have a very long history with this bank and have rarely ( maybe once ) bounced a check before. I sent a letter asking for a reduction in the fees and never heard back from them.
hi, My name is XXXX XXXX and I want to complain about a matter handled by synerprise debt collection.I paid the debt and they said that they will issue me the credit deletion letter.This was about a month back.The lady at the customer services desk got my email and told me to give her her the security PIN to open the email attachment which she will send at my email.It never happened! Despite my repeated reminders and requests, synerprise will tell me that I willreceive the credit deletion letter within two days .Its been over a month now and I haven't received the credit deletion letter.

Please look into the matter and get it resolved ASAP!

My Cell # is XXXX XXXX XXXX
I am a new Macy 's card holder. I made XXXX purchase for {$92.00}. My husband made XXXX payment. The balance was {$58.00}. I am diligent about our credit, we are saving for a new home and want to keep me credit score strong, so I paid the balance online on XXXX XXXX (? ), early. 

I received a phone call from Macy 's yesterday, saying my account payment did not go through and now the payment is late, late charges, interest and returned check fees adding to over {$200.00}. 

I was devastated! They did refund the late fee and interest fee but would not remove the returned check fee because it was an error on my part. Clearly, I was trying to maintain my account by paying early. Why could n't they call me sooner? 

I paid the balance of {$58.00} and {$130.00} in returned fees over the phone and vow to never shop at Macy 's again! 

This is a disgrace! 

XXXX XXXX
I had an identity theft and accounts opened in my name that don't belong to me and I have no knowledge of. Cavalry Portfolio SVCS has put one of these accounts on my credit report stating that I owe the money. It is a fraudulent account, it wasn't opened by me. I have requested SIGNED documents showing the account was mine and that I opened it, which they can not provide. They only send an old credit card statement from the account. Which doesn't prove anything other than that the account exists. It may exist but it wasn't opened by me. 

I have also had robo calls to my cell phone about this debt which is illegal. I could sue for big money if I decided to. I have these saved on my voice mail. 

There is no proof I opened this account because it wasn't opened by me. They have been informed multiple times, as well as the credit agencies, that this debt is not valid and shouldn't be on my credit score ... yet it hasn't been removed. I want this removed from my credit score. I have went through a lot of trouble getting fraudulent accounts removed from my credit score after my identity was stolen, but this one hasn't been removed. It needs to be removed.
In XXXX 2015, I called Countryplace Morgage to inquire about a home loan. I explained all my financials and property information. I then formally applied for the loan after, XXXX ( loan officer ) told me that I DID qualify. I was formally rejected on XX/XX/2015. 
XXXX suggested to me to apply again with a coborrower this time, so I applied again with my Father in XXXX 2015. As per their request we updated and sent in ALL our information once a month, if not more. 
Every month I faxed her mine and my Father 's bank statements, tax records, & etc as per her request. Each page I faxed costed me XXXX. I have spent XXXX of dollars faxing and communicating with her. Well, after talking with my loan officer again today ( XX/XX/2015 ), she informed me that I DID NOT qualify for a loan because : 1 ) My Father owned a neighboring property within XXXX miles. 2 ) Because I was married with a person with bad credit and 3 ) and I have insufficient income. 
I am left stunned and soon-to-be-homeless because After ALL this time, with winter coming, she dropped me like a brick and left me with a sale and NO LOAN. I was only trying to borrow XXXX for a double-wide on XXXX acres. I want my XXXX months back, my dignity and the money back that they wasted of mine ... ... 
Thank you.
I have applied for a XXXX Refinance with a Mortgage Lender, which involved submitting a request to RBS Citizens to Subordinate a Home Equity Line of Credit to the new first lien mortgage. I was approved for the refinance and the application for the Subordination was sent out to RBS Citizens, which included all of the documentation requested in their request checklist ( compiled by the title company ) and the request was submitted the first time with the incorrect fee for the Subordination request. The request was sent out ( XXXX ) with the check for the correct amount ( {$250.00} ) and returned as the request was denied because an appraisal was not submitted. I called RBS Citizens to find out why the request was denied, as I did apply for a XXXX Refinance and subordinate lenders are required to approve the request ( provided the account has a satisfactory payment history, which I do have ). They told me the reason for the denial was because I am required to submit an appraisal because my line was frozen and when a Home Equity Line is frozen, regardless of using a XXXX Refinance or not, we needed the appraisal. I paid for the appraisal. The appraisal was done and the application for the Subordination was submitted again. I hear nothing, so I called thus again ( keep in mind, my title company has been calling for status updates as well as myself ) and now I am told they need 10 days to log the request in and reply to the request. This happened late XXXX and was told the 10 day mark would be XXXX XXXX. No response at all, so I wait longer. I called again and was told by different customer service representative that the appraisal was not required ( even if my line was frozen ) if applying for a HARP refinance. Now I still have no answer and I spent in excess of {$400.00} for an appraisal, which was not needed in the first place. I called the title company today again to ask if they received the package returned or have they received any updates, which they did not. 

My frustration with this is endless and I can not finish my refinance until this is resolved. EVERY time I call or my Title Company calls, I receive a different story with no direction on how to resolve this issue. I can not imagine that RBS Citizens is doing this to all of their customers who request subordinations for their Home Equity Lines but I would like to get to the bottom of this and have my subordination approved and receive a refund for the money I spent for the cost of the appraisal which was not needed in the first place. 

I appreciate your assistance and welcome you to contact me at XXXX XXXX XXXX XXXX.
Equifax has two credit profiles under my social security number - one under my maiden name and one under my married name. When I was trying to apply for a credit application on XX/XX/XXXX, I noticed that my credit score dropped by over 100 points. After pulling my credit report online on XX/XX/XXXX, all my credit history was missing under my married name. I tried to call Equifax ( XXXX ) numerous times and asking if the change from my maiden to married name could have caused this, and they said no, because the Social Security number is the same. Knowing that I had credit history with them and my score was a lot higher less than a year ago, I asked to file a dispute, but they said that I would have to call all my creditors and ask them to report my accounts with Equifax. 
For the XXXX of it, I pulled my credit report under the same social, but under my maiden name this time on XX/XX/XXXX. Sure enough, all my other credit history that is missing is still under my maiden name. So I called them again ( XXXX ) and spoke to XXXX over the phone. I explained to him what has happened and had him pull both of my profiles. He would not do anything for me because he said he needed to verify my identity by faxing him my Social Security card and driver 's license. I asked him why he needed those documents as they are both already under my married name. I asked to speak to his supervisor because I did not feel like I should be inconvenienced for something that is their error. I was placed on hold numerous times before he forwarded me to his supervisor 's voicemail.
names for reporting are not mine. I am XXXX XXXX XXXX. please remove all other alias names.
I have been trying to request an income based repayment for my student loan. When I go to the studentloan.gov website to apply, it shows that I have student loans totaling {$82000.00} when it should be {$49000.00}. The additional loans were discharged XX/XX/2011 due to my being a XXXX veteran. These loans were reopened by Navient and I spent over 3 hours on the phone ( Wednesday XX/XX/XXXX ) going in circles with different agencies and they all sent me back to Navient. Prior to this and afterward I spoke with representatives at Navient and asked if they could defer my payments until the issue was resolved and I was told that because my payment was in the window of repayment I need to call back. I get the same response every time I call back. I can pay the first loan payment on XX/XX/XXXX of XXXX but I ca n't afford the payment amounts that are estimated to be over {$500.00} for the following months. In addition, I do n't want to request a reduced payment which includes payments that have already been discharged. The representatives that I spoke with at Navient agree that my student loan total is {$49000.00} but they ca n't tell me why the past discharged loans are showing up on the student loan website or how to remove them. No one seems to know how to remove them, although I have a letter saying they were discharged. Please help me resolve this matter.
On XXXX XXXX 2015, I was issued a mortgage modification from USbank with an interest rate of 4.95 %. The mortgage is a XXXX XXXX mortgage. According to the XXXX XXXX website, banks who service XXXX XXXX loans must use their standard interest rate on all modifications. On XXXX XXXX, 2015, the XXXX XXXX rate was 4.125 %. A month prior to that it was $ 4.0 %. Why is there a discrepancy between what what XXXX XXXX is issuing and what my Usbank ( the servicer ) is charging me? Many thanks.
In  XXXX  &  XXXX  I worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have  a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against me.
On XX/XX/XXXX I noticed a charge on my debit card for a company called XXXX   in the amount of {$180.00}. I decided to contact the company and explain that I did NOT make NOR authorize a purchase from them and that I wanted my money back. 

I was told there was nothing to be done as it was handled by XXXX and that I needed to contact them. I contacted XXXX on XX/XX/XXXX and started a dispute. In doing that dispute the company sends XXXX a shipping update but says the item is intangible. How was it shipped then? What is it? I heard nothing else from XXXX. 

I decided to dispute through my bank since I saw the charge on my bank statement. My bank disputed the charge and on XX/XX/XXXX I was told that documents provided by the merchant shows the charge as valid and my dispute had been denied. I asked for the documents used and it was one piece of paper ( attached ) with some random numbers on it. I will be going into the bank and speaking with someone else regarding this matter as well. I have even offered to file a police report. 

I emailed the company AGAIN about this matter after being told to dispute through paypal etc. and that email I sent on XX/XX/XXXX was ignored. These people are crooks and have helped someone steal money from my account and I'm still having to deal with this after all this time. My bank account is NOT in good standing due to this fraudulent charge as it over drafted me and fees were assessed. They will not help in any way and it's ridiculous that I have to do all of this for a charge I didn't make nor authorize.
Hello, I used to live in the apartments called XXXX XXXX XXXX about 4 years ago. Supposedly I never " paid '' my last month of rent. I belive that the staff never submitted my last payment, I cleaned the entire apartment even deep clean the carpet, hand in an envelope with the keys, mail box keys and pool pass. I never received any letter through the mail regarding this matter at all. It appear in my credit account out the blue years later. Hunters Warfield and I came into a agreement and paid {$1000.00} to pay off the debt. I need this account closed and gone from my credit as soon as possible.
I am a victim of ID theft. I have reported this information to the FTC and I have filed a police report with my local agency. After 2 1/2 yrs Experian is the only bureau reporting the fraudulent information on my credit- it has cost me and family a lot. I also have to pay higher premiums because of the fraudulent information. I am reaching out to you for assistance. If you can not assist me I will take the matter to Federal Court. The XXXX accounts are referenced below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was on the phone with Chase Freedom General Correspondence Card Service updating my credit card account, personal information, and payment history. I was never late paying my Chase credit card bill. Chase Freedom General Correspondence Card Service was reading my personal information and credit card account to me on the phone, updating my address, area code, phone number, social security number, date of birth, and age, I responded yes on the record line. I did n't realize it was a third party call, after releasing my personal information to them, which it was repeated back to me. When I realize it was a third party phone call, I immediately told Chase Freedom to cancel the call, I realize my personal information was release to a third party, from XXXX XXXX XXXX. When I immediately found out what Chase Credit Card did, I immediately paid them in full and close my Chase Freedom Credit Card, I now have a XXXX balance with them. XXXX XXXX XXXX and XXXX XXXX from Department XXXX, contact number ( XXXX ) XXXX, Consumer Employer # XXXX Dept. Card Member Services confirmation number XXXX were on the third line. I phoned my sister XXXX XXXX about the fraudulent situation, she told me that she was going to pay XXXX XXXX XXXX   XXXX  in full because they were going to use my Social Security number and personal information against me, although I did n't sign or agree to making payment to XXXX XXXX XXXX, it was agreed on the record line that XXXX XXXX XXXX was going to pay XXXX XXXX XXXX  in full following by a confirmation number XXXX. XXXX XXXX XXXX and XXXX XXXX agreed for a full payment of {$14.00}, XXXX confirmed by both XXXX XXXX and XXXX XXXX in the month of XX/XX/XXXX, with a written agreement from XXXX XXXX XXXX, but later I start receiving bills in the mail from purchases that they made totaling {$14000.00}. I never use a XXXX credit card nor receive one in the mail. The agreed confirmation was read to XXXX XXXX XXXX on a record third party phone call, after she agreed to pay the full amount, she has later XXXX, the only proof I have is the confirmation number, and credit card bill. I did not receive a credit card, but instead I received a bill.
This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Equifax , specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Equifax : These items must be fixed : XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately!
Specialized Loan Servicing is reporting incorrectly to all three credit bureaus. They show that I am past {$490.00} and that the account was charged-off and is on foreclosure. This is hindering me from obtaining a refinance with my primary mortgage. I wrote them several months ago and they sent a letter apologizing for their error and also said corrections will be made. Nothing was ever corrected. When I call the company, they tell me they do n't see where they sent me a letter and I basically get the run around.
I was going through my credit report from the 3 major credit bureaus ( transunion, XXXX, and XXXX ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).
This debt has been on my credit profile for some time. I have filed bankruptcy and this was an added debt, but it has not been removed. I have contacted the company to let them know I did not visit the hospital or receive any type of XXXX XXXX for the dates stated. They have not removed this from my credit profile. It has been reported on both Equifax and XXXX reports. Equifax still has it listed, but XXXX does not.
I worked with a banker at PNC bank and signed up for a student checking account which would not have monthly charges for any reason. After creating the account, the banker assured me that the monthly fee that was listed in the paperwork would not be deducted because I was a student, and the student account would not have the monthly fee. For the first five months, no fee was applied. In the sixth month, a {$25.00} fee was charged. I had been assured that the fees would not apply to this student account, so I expected the fee to be reimbursed, and that I should not be concerned. The bank continued to charge this fee for 14 months without reimbursement. Upon recent realization that the fee was not only being charged, but was not being reimbursed, I went to the bank to have this corrected. The banker informed me that the account I had been assigned was not the student version, but the most expensive, " performance '' option, and admitted that the account was incorrectly assigned. They then informed me that the two most recent monthly fees were in the system and could be reimbursed, but that previous fees were out of their control, as they were no longer in their system " for my protection ''. Once I talked to the banker, supervisor, and bank manager, I was told my only recourse was " escalating '' to customer service. Customer service provided the same information, and did not offer any solutions to this problem, as well as implying that I was at fault for the situation, despite the banker 's previous admission of fault.
On XXXX/XXXX/XXXX three ACH transactions were presented against my checking account : $ XXXX $ XXXX {$5.00}. Normally, and as long as I have banked with Chase since XXXX, ACH transactions show on the account as processing on the day they are presented. In the even I dont have enough funds in the account, Chase sends me an email notifying me of the negative balance and I make a deposit to address the issue. This time, however, for the first time is over 5 years, those ACH transactions never showed on the account as pending. I checked my account around XXXX XXXX on XXXX/XXXX/XXXX and my balance was {$8.00} and change. On the morning of XXXX/XXXX/XXXX I receive an email stating that those 3 transactions had posted the previous days and that I had been assessed 3 {$34.00} NSF fees. I called XXXX and after being verbally mistreated by two supervisors, I was refunded 1 fee. Another one was refunded via XXXX. 

My problem here is the way Chase processed the ACH transaction. Electronic transaction normally show on the account the day they are presented, and its been like that for the last 5 years. Only paper checks show on the account the next business day. CHASE shields itself behind the consumer agreement, but the reality is that this a occurred due to a glitch in their system. Granted, I did not have the funds on the account, but if those transactions would have been processed the way ACH transactions are normally processed, than I would have had an opportunity to make a deposit before XXXX XXXX et to cover them. All I want is chance to refund that 3rd NSF fee they assessed in bad faith and to be clear as to how ACH transactions are processed. I intend to to take this issue to court if I have to.
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I have file this report because I'd like to clear my good name.
im unaware of what the XXXX derogatory creditor ison my cbr-i disputed it and nothing has been removed or investigated acct sold to worthless debt buyers that put it on my credit bureau report-transunion and the rest. i have only credit cards mastercards and i only use avout 3 percent of my limit and pay in full each month. this derog item caused my credit score to deop from XXXX plus to XXXX i want it investigated and removed. i have never heard of this collection debt buyer company before.please help me-they show XXXX balance on cbr under derog-this is my only item that is bad.