WillisBack/dataset-financial-user-claim huggingface dataset:
I have Opted Out of overdraft protection with US Bank. Despite this, a debit card transaction of {$29.00} was allowed to go through when my account balance was {$8.00} and the transaction should have been declined. It was not an automatic or recurring payment, and was not an ACH payment. 

I was then assessed a {$36.00} overdraft fee for that transaction. In addition to this, two overdraft fees, each one {$36.00}, were assessed on the two preceding transactions. The online overview of my checking account shows that I had sufficient funds to cover those two transactions, which left with the {$8.00} balance.

In total, I was charged three overdraft fees for a total of {$100.00}. I did not authorize the bank to approve transactions when I had insufficient funds. Because of this incident, I now realize that there are probably other overdraft instances similar to this, as my account has been opted out of overdraft protection for at least one year. I will now go through my transaction history to see how many of these fees I have paid not realizing they should have never been assessed in the first place.
My checking and savings account both had maintenance fees charged this past month. I HAVE NEVER BEEN charged this before and never provided an explanation on why I was charged this on my accounts.
Trans Union is refusing to investigate and remove some accounts from my credit file that do belong to me and correct some accounts that are reporting incorrectly.
Ocwen was sent a request for payoff amount of reverse mortgage on XX/XX/XXXX. Ocwen has not responded to this request and will not address the issue when phoned by myself and the escrow title company. Ocwen has made an extra {$370.00} in interest in the time they have delayed in producing a loan payoff amount. 
Ocwen does not seem to be interested in my satisfying this loan.
PNC had an account opening bonus for a checking account. I completed all the requirements for the bonus but the bonus was never paid. This is a UDAP violation. When contacted about the bonus, PNC refused to honor the bonus as stated in the advertisement and even failed to meet their own timeframe for responding to customer service requests.
This company continues to call almost every night, sometimes twice a day looking for a person that I do not know. I have picked up their call to notify them not to call any more in the past. Since they change the number all the time, it 's not possible to block their call through my phone company. 

The company has been harassing me with unwanted calls for about year. Most of their calls occurred during dinner timeHere is call log showing last few days. 

PORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX
I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given them
Fay Servicing is  threatening me with a foreclosure sale date on   XXXX   XXXX  , even though this is a government insured FHA loan with multiple options for resolution. They have failed to conduct a review of my current financial circumstances, they have failed to assign a single point of contact and they have failed to offer the option of  Occupied Conveyance.  They have failed to abide by the FHA guidelines by refusing to review our current financial information and considering us for modification, partial claim, special forbearance or even a repayment plan. Instead  Fay Servicing  has served as judge, jury and executioner and moved to restrict our options so they can repossess our home. This is an avoidable foreclosure. We make sufficient income to afford our mortgage payment, the issue is addressing the missed payments when I was sick and unable to work. But  F  ay Servicing does n ot seem to care. This is not acceptable, this is not right and this is not legal!!     We purchased this home just a few years agowe were married in the backyard!! I live here with my wife and our  XXXX  daughter. My problems began when I became afflicted with a   XXXX   XXXX   XXXX   and was unable to work. I applied for  XXXX  assistance and eventually was approved but this was much lower than my normal pay. When I went back to work, I was soon out again due to  XXXX   XXXX   XXXX . During this period I began missing mortgage payments and tried to apply for help to resolve this matter. I could not make any progress, and the loan ended up getting transferred. For a period of two years I continued trying to apply for help -- -I was making payments as I could, which Fay Servicing accepted. At  one  point in time we were told that we had been approved for a modification. However, we never received any paperwork, and despite multiple attempts to follow up with their loss mitigation department, never got anything in writing.     As we sit facing foreclosure, I am back working full time as is my wife. Additionally, we have an   XXXX    daughter and receive a stipend from the government for her care. We have MORE than enough income to afford a fair and reasonable payment. However, the only option that is being offered is to repay all missed payments all at once. I cant reinstate the loan in  one  lump sum. But I CAN afford my mortgage payment, if Fay Servicing would give me the chance to be considered for the government programs that are available for FHA homeowners.
I was in a car accident XXXX/XXXX/16. My insurance and GAP paid Westlake but they still wo n't close the acct and request payments be made. My vehicle I purchase at XXXX and financed with WestLake Financial was in a car accident XXXX XXXX, 2016. My auto insurance XXXX XXXX Claim # XXXX, paid them and confirmed the check was received and cashed by them along with a rendered total loss letter provided XXXX XXXX. XXXX where I bought my car and GAP ( XXXX # XXXX ) XXXX, premium was also sent and cashed by Westlake Financial. Then I get an email SELF SERVICE GAP PACKET to complete that I did n't even know existed or was involved. XXXX XXXX XXXX, XXXX XXXX I have emailed, faxed, overnighted and website uploaded every document requested to every company who has asked for something. WestLake Financial is still instructing me to make my payments to protect my credit until this processed yet they ca n't provide any ETA. WestLake Financial has said that if I am late or miss a payment 3rd party GAP will not pay my claim. PLEASE help me! I am only XXXX, I have done everything, I am making payments on a car I do n't have, WestLake Financial does not appear to be trying to complete my claim. I ca n't get another car until this one is completed because it still exists and I ca n't have XXXX cars. I work full time and have to ask every friend and family member to help me get back and forth to a full time job. I have every piece of documentation you could need if you want copies. I call them weekly for updates and no one I talked to knows. My auto claim payment is n't even showing on my balance owed statements.
I recognized that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XXXX XXXX. 

XXXX is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did that. They lowered my credit score by 200 points.
I have an acct with Total Visa. I paid my balance in full and have not been able to use my card or log in to my acct online and when attempting to call them it is an act of congress to speak to a supervisor or someone in proper charge to resolve acct issues. This company now has this showing negative on my credit report. 

Below are reviews from other costumers from XXXX XXXX. 

XX/XX/2018 XXXX Cardholder They are not here to help, they are here to exploit the down on your luck type of clients. 

XX/XX/2018 Less than XXXX XXXX XXXX Cardholder I got this card to help build credit, but it has done absolutely nothing for me. They charge fees right off the bat, just to activate your less-than-average credit limit. I had a fraud charge, and they require a police report, affidavit, and notarized form just to investigate - don't plan on speaking to anyone about for at least two weeks, since they're so " busy ''. I highly recommend going with other available options for bad credit, avoid these guys at all cost. 

XX/XX/2018 XXXX Cardholder On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. Luckily, I had other funds on my. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payment has never been late, missed, and I always pay in full. 


Even when you pay your bill they make it hard for you to use your card and then report negivitve on your credit. I am asking for someone to help here as this company is taking advantage of customers and making it hard for customers to manage there acct.
Embezzlement Comerica Bank ( Texas State Bank ) : Allowed its holding company Comerica XXXX employee XXXX XXXX Senior Vice President Corporate Quality Process Department to create a fraudulent online XXXX Check/ATM Card account to embezzle {$4500.00} from my checking account. 

The online Account Summary indicates current Balance {$17000.00} with Available Balance {$13000.00}. This does not match my current Comerica Bank statement. 

XXXX XXXX Senior Vice President of Corporate Quality Process Department for Comerica XXXX has a history for over 20 years embezzling Comerica Bank account holders, supported by numerous online fraud complaint against XXXX XXXX. XXXX XXXX is a predator going after elderly and persons who will not or unable to defend against her embezzlement fraud for Comerica XXXX. 

This Online Account Summary account is located under accounts tab and can not be found under E Statements tab this account is not associated with my checking account and the welcome line does not display my name as the owner of this online account. 

My XXXX XXXX thru XXXX XXXX, 2016, bank statement from Comerica Bank ( Texas State Bank ) does not list any filing of legal documents to withhold {$4500.00} from my checking account. The entire amount of my ending balance is available. 

Without legal authority, Comerica Bank ( Texas State Bank ) and with no restrictions on my bank account according to my current bank statement. Comerica Incorporated block me from using my XXXX Check/ATM Card to embezzle {$4500.00} from my checking account, using the Comerica Incorporated online summary account created by XXXX XXXX to cover-up their fraudulent act.
I am receiving debt collection phone calls for a debt owed by my ex husband that he incurred many years after we were divorced. The company calling me has explicitely stated that they are not trying to reach me, but my ex husband. I have explained that a ) they are calling my work number and creating problems for me at work in that I receive upwards of 5 calls per day from them, and b ) he is my ex of nine  years and I am not responsible for his debt or for finding him for them. I have also asked them repeatedly to stop calling me and have explained that they are calling me on my work number and creating problems for me at work. As soon as I tell the caller all of the above, they promise to remove my name from their calling list, but I continue to receive calls regardless.
I have purchased a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. 
Because the interest rate is high I transferred the loan from XXXX XXXX to XXXX. 
XXXX paid off XXXX XXXX on XX/XX/XXXX the sum of {$30000.00}. XXXX   XXXX did sent out letter stating that the account is paid off on XX/XX/XXXX. 

The terms of agreement with XXXX is that I need to transfer my Finance Company on title document for which I need Lien Release form from XXXX  XXXX. 

I tried reaching out XXXX  XXXX in the month of XXXX, XXXX, XX/XX/XXXX. and also on XX/XX/XXXX. 

They have the terrible IVRS which asks to enter account information but didnt recognises the customer so with so many attempts I reached a human Service Representative - every time it will take an hour minimum wait to speak with them. 

All the 4 times the representatives assured me that I will receive my lien Document in 4 to 7 Business Days and they said they marked the delivery request as expedited ( which is a big joke ). 

Its been almost 6 months and I didnot transferred my lien holder on title because of which XXXX marked my account as default and resulted in increase in interest rate even though its not my fault.
I have been persistent in stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. FCRA states that I have a right to KNOW who is the party that has provided this negative information. It is my understanding that this is against FCRA, FCBA and the Public Record Act. The Bankruptcy Court has confirmed that they did not verify as it was stated by the agency. The credit agencies have stated I can no longer challenge this negative entry which is against Consumer Debt Law. This discrepancy has prevented me in my personal life 's pursuit and I am asking the CFPB please advocate for me in this challenge.
On XXXX XXXX I paid submitted a payment for my Bank of America Credit Card on the Bank of America 's web page to be posted to my account for XXXX XXXX. Their web page said they had a new system to do this, then processed my request and gave me a confirmation number of XXXX. XX/XX/XXXX, I received a notice that I did not pay my credit card and they charged me a {$25.00} for a late payment fee. I contacted them and I told them I did submit a payment through their web page and gave them the confirmation number. They said they will look into it and it may take 10 business days. On XXXX XXXX I received a letter saying they can not find record of receiving a payment and that they can not investigate a payment through a third party vendor. They gave the incident case number XXXX. 

I did not use a third party vendor. I used their own web page. I had a confirmation number their own web page gave me. Their NEW system obviously made the error and never charged my checking account for the payment. I should not be fined {$25.00} for the glitches in their system.
I have submitted an application for Income Based Repayment plan ( twice now along with mine and my husband 's W2 's ( current year ) and my paystubs ). Great Lakes now has XXXX applications, XXXX paystubs and a copy of mine and my husband 's W2 's. I have received confirmation that these faxes have successfully been transmitted. Yet Great Lakes continues to send me emails saying they can not process my Income Based Repayment plan because they still need mine and my husband 's W2 's and paystubs. I have done everything on my part to ensure Great lakes has received my documentation. I 'm unsure as to why my Income Based Repayment plan is not yet processed? 

Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
I 'm trying to get a loan modification or payment relief to avoid foreclosure my sale date is XXXX XXXX, 2015. The lender is telling me that there is no sale date and to turn in the missing paperwork I 'm been missing .I was told by them I was going to receive a email with all the missing items never did. Then the lender is telling me verbally what items I 'm missing. I will be done with uploading the items I 'm missing by tomorrow. Then I receive a letter from XXXX XXXX XXXX a letter of Trustee Sale for XXXX XXXX, 2015. So I feel that there just not trying to help and they want to loose my Home since I have about {$100000.00} in equity.
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has lowered my credit score..CFPB please step up and remove the error
My loan was to be paid thru a consolidation company that went out of business and I was notified by XXXX I set up a payment plan at that time which seemed affordable but due to XXXX could not met it They did agree to a smaller amount Due to a complication I cold not contact them until I was released from the hospital They want to send to collections
Tax payments were made from my account that included penalty and interest in the amount of {$420.00} without my consent in  XXXX   XXXX . I did not receive a supplemental bill from  XXXX   XXXX  in  XXXX   XXXX , though their system shows that a bill wa  s sent. Suntrust can not disburse amounts without the consent of customer but they did. I requested suntrust to provide proof that a call was made requesting them to disburse funds. Their tax department agreed to provide proof but later denied after few months. My wife has never made a call to Suntrust and now Suntrust claims that somebody did call and they can not provide any proof. I have attempted 7 times to resolve this matter and I have been given a run around. I was promised 4 times in the past that there will be follow up call and a proof will be provided to me, but no one called nor provided an explanation.
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It defies all logic that I would wait 3 months to make the call to Suntrust a  bout the bill that was received in  XXXX   XXXX , knowing that the bill will attract penalty and interest.
I have contacted Midland Funding. They have a judgment against me. I asked them for information verifying what the judgment is for. They just run in circles, asking me if I am disputing the debt. I tell them I do not know whether to dispute it or not that I need more information. They say I can either accept the debt and get the amount owed or I can dispute it. I tell them I need something to show me the debt, what is was for etc. They only have the judgment and if they send me the judgment they ca n't send me the amount owed. If I ask for the amount owed, I guess I am saying that I owe the debt. They wont let me verify the debt with out disputing it. I do n't want to dispute something that may be valid. They just keep speaking in circles in XXXX. The CSR was hard to understand but was not helping me at all.
XXXX continuously calls me concerning an amount I owe. They call every day, even on weekends. The calls begin early and have continued as late as XXXX. This is interfering with work and time with my family.
ASC/Wells Fargo, kept part of my escrow monies, when it sold or transfer my mortgage to XXXX. The new lender wants to increase my monthly payment, because it claims that I do have a escrow shortage.
I learned recently about the TEPSLF opportunity looking at the news. So I started researching this program and found out that it was temporary. This lead me to research the Public Service Loan Forgiveness ( PSLF ) program. After doing much research, I saw that in order to qualify for this  program I had to be in an income-based repayment plan. I've taken a forbearnace for the last 3 years. Every year I called, the XXXX XXXX representatives NEVER informed me that instead of taking a forbearance that I actually could of entered into an income drive repayment plan and get a much lower monthly payment that would've been counted as a qualifying payment under the PSLF program. I am still having financial hardship and I have no other options as I have now exhausted my forbearance and I have no choice but to pay a very high monthly payment! I felt that the representatives I spoke to over the years did not have enough knowledge about repayment options and lack training. This really saddens me as now I can't go back in time and I'm stuck due to XXXX XXXX incompetent staff.
Have written XXXX letters on XXXX, XXXX, XXXX and informed them that I am a victim of XXXX, Experian XXXX XXXX security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries that were resulted from the breach are : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
I bought my house with a mortgage loan through Wells Fargo in XX/XX/XXXX. For nearly 12 years I paid my principal and interest payment with Wells and took care of my property taxes and insurance myself. However, Wells decided that they needed to set up an escrow account and without my permission raised my monthly payment from {$2300.00} to over {$3600.00}. This put me in a major hardship ; I am on fixed income ( military pension -- served in the XXXX XXXX ) and due to medical problems I had to take an early XXXX. I was overwhelmed with medical bills and the huge increase by Wells was the straw that broke the camels back. I contacted Wells and made an appeal to eliminate the required escrow account. I was told that while in appeal I could make the regular principal and interest payment. After a couple of months my appeal was denied. I was told that the payments that had been made were not credited to the loan because they were less than the expected payment. Yet another misrepresentation and questionable action by Wells Fargo. I was told that I needed to pay the $ XXXX monthly payment. Even though this is more than half of my monthly income I did my best and made the payment for several months. Then Wells Fargo contacted me and said they would no longer accept this payment from me. I tried to apply for a modification. Wells Fargo said they would open a review, then I was told that they were not going to review me ( no reason given and no decision given ) and that the file was being forwarded to a foreclosure Attorney. 

I know that there are government and internal programs available to assist struggling homeowners in my situation, yet Wells Fargo is denying all access to these programs? They wont even consider me for a modification? What about my years of service to my country in the XXXX? What about the fact that I paid this mortgage on time each and every month for over 12 years or the fact that Wells Fargo received XXXX XXXX dollars in bailout funds? I had to retire early due to medical issues and am saddled with medical bills at this time. Although I receive a generous pension from the military, the current payment Wells Fargo is attempting to shove down my throat is more than half of my monthly income. I know that there are options available such as modification, forbearance agreement, a restructured term or even a repayment plan. However, Wells Fargo has chosen to deny access to all of these programs and informed me that they dont even want to move forward with a review for assistance. This is wrong. Instead of allowing me a chance for these programs they referred my case to a foreclosure attorney. Isnt Wells Fargo required by law to conduct a review of my current and correct financial information to determine if I qualify for assistance options. Instead of following this protocol, Wells Fargo has decided that they are the judge, jury and executioner. This is wrong.