WillisBack/dataset-financial-user-claim huggingface dataset:
We were charged overdraft fees on multiple transactions from our checking account with TD Bank. And then we were charged an overdraft fee ... on the overdraft fees. Prior to any of this happening, we elected to decline overdraft protection on our accounts so the charges should have never gone through in the first place and should have been declined, as per our agreement with TD Bank, at the point of sale. 

Additionally, the charges were never actually posted to the account. They were Pending charges, we noticed that our account would become overdrawn if we did n't deposit money, so we transferred money into the account from our TD Savings account, prior to all of the pending charges actually posting. Our checking account was never actually underfunded. TD Bank manipulated the posting dates and times of the transactions so as to charge us the greatest number and amount in overdraft fees ... even though the debit charges should have been declined entirely at the point of sale because we do not have overdraft protection on our account. 
About half of the charges have been reversed, but we are still waiting on getting the rest of the charges reversed. We have spoken to at least XXXX employees of the bank, all of whom say that they do n't personally have the authority to reverse the charges, and that they must get approval from their higher level manager. This has been going on for over a week now.
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX., XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX - XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX,
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to SourceRM. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by SourceRM. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of SourceRM and XXXX XXXX XXXX. Because neither collection company is abiding my Texas FDCPA.
XX/XX/2016, I received an escrow refund check and notice that my payment would drop by ~XXXX/month by my mortgage servicer. I was happy. On XXXX XXXX, 2016 I received notice via mail ( no email was sent ) stating that a new Escrow Analysis was conducted as a result of a negative escrow balance and that my payment would increase over {$200.00} beginning XXXX XXXX, 2016 - the same day I received the letter! As a family that plans every monthly budget, you can imagine how upset I was to learn of this change. After speaking to the representative, I learned that XXXX had failed to account for the escrow of my hazard insurance and only began escrowing for it after I called them to ask if they were going to pay my insurer ( they initially stated that I was responsible for my hazard insurance premium - but, I insisted that they had escrowed for it - we checked the closing docs and, yes, they were supposed to escrow for it ). RoundPoint totally mismanaged my escrow analysis, failed to follow the docs signed at closing and, as a result, I 'm stuck paying an additional {$200.00} a month for their failures.
My wife and I have owned and resided in our home in XXXX since XX/XX/XXXX. In XX/XX/XXXX, we suffered damage to our home as a result of Hurricane Harvey. This damage included approximately a foot of water inside our home, which ultimately forced to remove sheetrock and flooring from our first floor. In addition, all of the lower cabinetry and the island in our kitchen had to be torn out as a result of floodwater damage. 

In late XX/XX/XXXX, we notified SWBC of the flood damage to our property. It was at this time that a XXXX representative offered us a mortgage forbearance lasting XXXX months. Since we had previously paid our mortgage for XXXX and XX/XX/XXXX, the three-month forbearance period covered the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX representative explicitly told us that we would pay for these XXXX months at the end of the mortgage period, and not all together at the end of the forbearance period. 

In XX/XX/XXXX, my wife called XXXX to inquire about our forbearance status. At the time, she informed XXXX that she had been laid off that month. She was then told by XXXX that we could extend the forbearance until XX/XX/XXXX. With her job loss and our need to make home repairs, we took the opportunity that was presented. During her conversations with XXXX representatives, she asked if the terms of the forbearance as they were presented to us in XXXX had changed, and she was told in no uncertain terms that they had not. 

Unfortunately, the information we were given turned out to be erroneous. As a result, we are now in danger of foreclosure despite our continuing attempts to resolve our status. Prior to Harvey, we had been homeowners in good standing who paid our mortgage on time. We think it is relevant to point out that one of the homeowners, who has been gainfully employed prior to and throughout the period in question, began a new job in XX/XX/XXXX in which he grosses an additional {$7000.00} a year. Moreover, the other homeowner has received unemployment for the past several months. We believe this information demonstrates both our ability and willingness to be consistent mortgage payers. 

Currently, we are in arrears as a direct result of the information several XXXX representatives provided us regarding our forbearance situation. In addition, we've been given several contradictory versions of our status each time we tried to contact XXXX to resolve the issue. As you can imagine, this has resulted in a greatly frustrating and stressful experience for us, one that could've been avoided if XXXX demonstrated any degree of basic competence and organization.
I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from Experian, XXXX, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
I was referred to Sally Mae to assist me with paying tuition. With my grandmother being a consigner I was approved right away. I have a total of four loans with Sally Mae. After graduating from college and trying to find employment Sally Mae started sending threatening letters and harassing phones call to me and my grandmother. They even went as far as calling my grandmothers place of employment harassing her. They are wanted almost {$1000.00} a month for payments. As I explained to them I was only making a certain amount an hour and it was impossible to pay what they were asking for. I agreed on my own to pay what I could and they stated " because it is not the amount we want we will still call you ''. I know it is against the law for them to call after I requested not to. However they continued. They said that they do not offer any Income Based Repayment Plans. Sally Mae has called my parents, my aunts and my siblings trying to get ahold of me. This is absurd. I am filing a formal complaint against Sally Mae for harassment. They do not care that I have to survive on my own and can not pay {$1000.00} a month for four loans. The economy is not the greatest and companies are not paying college grads enough money to even pay their bills. Sally Mae is a bully.
I went to TD bank at XXXX XXXX XXXX, XXXX, NY XXXX planning to open a checking account. The associate that assisted me, XXXX, put the wrong address and e-mail in the system while assisting me to open a convenient checking account. Since the information she put in was incorrect I requested her to edit the information she put in. She refused to correct the information she typed in and forced me to sign the documents. So, I refused to sign the documents since she put in the wrong address and email. The whole process was frustrated and waste of time.
BANKS OF NORTH CAROLINA   NC General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.
I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! 
and the bills are just less than {$100.00}!!!
GLAis continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet XXXX is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.
I applied for the XXXX from Capitol based on the mailer I got which mentioned {$1000.00} in bonus earnings on {$1000.00} in purchases within 90 days of card opening. I 've made the purchases, but do n't see the bonus earnings. I 've called up Capitol One and the redemption center multiple times and have been getting the run around, and that they are n't aware of any such offer. I also faxed them the mailer, but have had issues getting proper responses from Capitol One.
On  XXXX     2017  My   XXXX   sent a certified check via overnight mail to Citibank-in the amount of {$9800.00} to address : Citicards, Citibank /  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , KY, XXXX . The check number is :  XXXX  again in the amount of {$9800.00}.  <P/> I have called ove r 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified  tracking shows mail was delivered.  <P/> Where is my payment?  <P/>  XXXX   XXXX
RE : Complaint XXXX about HSBC HSBC offers a  {$200.00} bonus to open an online checking account. I applied months ago and was declined. The ending questions were supposed to be about my credit, and none of the questions were about me or my lenders. I complained to CFPB. HSBC just replied this date, XX/XX/XXXX, saying they did nothing wrong. So I tried to apply again and was declined. This time I printed everything. Question 1 asks me if I  opened an account in XX/XX/XXXX from XXXX, XXXX XXXX, XXXX, or XXXX. No, I didn't. These are not my accounts. Question 2 asks me about XXXX XXXX ; yes, that's my account. Question 3 asks me about a mortgage I opened in XX/XX/XXXX, but that mortgage company, XXXX XXXX, is not listed in their multiple choice. Question 4 wants me to report the mortgage monthly payment, and my payment is higher. Question 5 says I closed an auto loan, but XXXX is not listed. I obviously will not be able to open this online checking account and receive the {$200.00} bonus because it expires in 2 days. Please see the printouts I've attached. HSBC says " Unfortunately, there were discrepancies in the information provided when compared to your credit report and the applications in question were declined. ''
According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with Experian closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time
In XX/XX/2017, Tek-Collect placed a collection on behalf of XXXX XXXX XXXX to the credit reporting agencies. Per requirements Tek-Collect never sent a written notice. In addition, I noticed they recently ( within the last 2 weeks ) reported the collection to XXXX and XXXX. 

Would appreciate you help in this matter. Sincerely, XXXX XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
First, I attempted to contact a technical college called XXXX XXXX XXXX XXXX XXXX that I attended for a short time in 2013 due to a debt appearing on my credit report. I have found that the company/college has since gone out of business. 

Next, I attempted to contact the collection agency listed on my credit report which is Partners Financial XXXX XXXX XXXX Fenton MO XXXX ( XXXX ) XXXX. While speaking to the agent about this debt, I asaked how I could contact the intended payor from their account trying they were trying to collect for. 

What then happened the agent was rude stating that I already contected this charge. The agent abruptly stated that since I attended the college, I owe the debt. 

When I asked who they were going to give my money to since the company they are collecting for is defunct, stated " The XXXX XXXX XXXX XXXX ... '' I asked again how are you going to give money to a company that no longer exists? 

I then asked for the information of who the debt was being collected on the behalf of and the individual would not provide me the information and then I was put on hold and no one returned. I then called back and was then transferred to a mail box. 

In conclusion, I believe that the debt was being collected fraudulently. Second I believe that I have no recourse with the entity that states I owe this debt because it is now out of business. The agency attempting to collect the debt may be a forgery and or scam because the lack of transparency. 

This agency has attempted to call me numerous times in order to attempt to collect on a bill that I believe they are illegally attempting to collect.
Back a XXXX ago I had to take my XXXX yr old son to the XXXX with a XXXX. Once there I was told by the XXXX that he needed a XXXX. I had no insurance at the time and was given a number to call ( Care Credit ) in which I submitted some income info and the lady on the phone told me right away I was approved for XXXX in XXXX and I would pay them on a monthly basis. I asked her what would be the payments and she said around XXXX. I said ok and got my son took care of that morning. At no time in the phone conversation did the lady tell me how long I had to pay it off just what the payments would be and at the time I was very upset and needed to get my sons XXXX took care of because of the pain he was in. It was a very stressful situation. I made my payments on time every month but then all of a sudden I went from owing around XXXX to XXXX so I called them and asked what was the increase in my balance for?? I was told that if you do n't pay it off in XXXX months they add to the balance, of course I 'm irate and asked them that if I paid if off then can they adjust the other off, of course she said no ... I was not told this in the XXXX office that morning by them. I then called my XXXX office and gave them a piece of my mind as well. I just saw on our local news a report about this same thing and people complaining about Care Credit not giving this information out in the beginning.
Your Message XX/XX/XXXX : Hello, I made XXXX payments XX/XX/XXXX to payoff my NFCU credit card, and I stopped my monthly auto-bill pay. 3 months later I got a phone call from NFCU saying that they only received one large payment from me. I then immediately made a final payment to pay off the balance. 
Today I noticed a 30-59 day late payment mark on my credit. Please remove this mark as I have paid in good standing for years. 
Thank you, XXXX
Citizen Bank has been taking out monthly fees for over three years from my bank account and never once informed me of these transactions. I never once received a phone call, email or letter, telling me this was going on. To my knowledge every bank I deal with even if I do not get monthly statements, will write to let me know what is going on with my account. This bank failed to do, instead just go into my account and help themselves to a monthly fee and now refused to give back my money. Do you know of anyone who has a bank account and allow them to do as they like with your account, without your knowledge and then turn around and blame the customer. Also you believe the bank is a safe place and you want interest not someone to go behind your back and steal your money.
I opened up an account a few years ago with U.S. Bank with my then husband XXXX XXXX. After separating, we both went to a local branch to sign myself off all accounts. We sat with a personal banker as I signed my name to be legally taken off all accounts. I found out months later, that an account was hitting my credit, and it was with U.S. Bank. My now ex-husband XXXX XXXX XXXX took out a credit line with U.S. Bank that still had my name and social security number attached. I have no idea what the money was spent on, and he is not paying off the balance as agreed upon. U.S. Bank lied to me about being taken off, and closing all accounts that were associated with me.
We are trying to make additional principal payments monthly on top to the auto debit payments. We call the customer service center to make the additional payment. When we do this the auto debit get allocated incorrectly. We then have to make at least three additional phone calls to fix this. During this time more interest has accrued on the loan which diminishes our ability to pay the lone off quickly. This is a consolidated loan, which we where told that we can indicate which balance we want to apply the additional principal reduction to. Very frustrating and seems like a scheme to keep us paying on these loans longer. 

Customer service is always very friendly and helpful although they can never fix the issue.
In XXXX, I purchased a home in XXXX, XXXX while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XXXX. Since XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. Seven XXXX XXXX XXXX years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XXXX.
Approx. 18 months ago, I began paying monthly payments via check to The Collection Bureau of Walla Walla Inc ( CBWW ). I have NEVER missed a payment up to this day. Approx 12 months ago, a Cease and Desist Order was placed on this account by me which was repeatedly ignored by CBWW causing me to purchase extra features on my phone in order to Block Calls from CBWW. On XXXX/XXXX/16, I was served a lawsuit by CBWW demanding full payment to the tune of {$1700.00} despite only owing {$900.00} at this time. Several attempts to request ANY copies of me acknowledging owing this bill AND copies of ANY payment arrangements signed by me have not been provided. On XXXX/XXXX/16, I spoke via telephone to a CBWW employee named XXXX who admitted that I never signed ANY paperwork accepting responsibility for this bill AND she ALSO admitted that I never signed ANY payment arrangement with CBWW. AFTER I was served, the CBWW actually cashed ANOTHER check from me for {$35.00}. These creditors are being paid every month and are even cashing my checks AFTER I was served!! This lawsuit is illegal and unnecessary causing me an additional {$600.00} bucks plus almost 2 years of interest which is an outrageous illegal scam to rack up fees to purposely keep me in debt. This collection company has a systemic fraudulent office practice of knowingly racking up debtors cases when the total due amount gets lower than {$1000.00} purposely causing debtors to represent themselves in civil court, where they often lose and BINGO another {$600.00} bucks is added to their file. In my case, I have NEVER acknowledged even owing this bill, never signed any payment arrangement, and have a clean perfect record of paying every month!