WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I opened my account with M & T Bank on XXXX XXXX. I have a mortgage with this company as well. I went to a trip to XXXX XXXX recently and use the app " XXXX '' I did not know that I had linked my M & T Bank to the app, and I used the service. I thought I was paying from my XXXX XXXX account. They online banking website had been down for a while so I could not check my balance for M & T bank. When I checked on XX/XX/XXXX, my account had a overdraft balance of {$370.00}. I am being charge XXXX ( so far no sure if they will assets more fees ) overdraft fees at {$38.00} each for transactions as small as {$3.00} the largest {$8.00}. As of today ( XX/XX/XXXX ), I have not received a notice of overdraft. When I opened the account online, I was not ask if I wanted to " opt-in '' to overdraft services. I called M & T Bank to ask for an explanation and for refund of the over {$300.00} dollars in fees I am being charged on fees alone in the meter of 3 days for transactions the added up to {$60.00} dollars. The customer service rep said that there is nothing they can do and that I have to pay the fees. This is a violation of the " H.R. 1261 Overdraft Protection Act of 2013 '' approved by the 113th congress. Specially, SEC 4 " 140B.secition ( i ) OVERDRAFT COVERAGE LIMITS - I should not be charged more than one overdraft fee a month and no more than 6. Also, " the amount of any overdraft coverage fee that a depository institution may assess for paying a transaction shall be reasonable and proportional to the amount of the overdraft '' M & T bank is essentially trying to steal my money by charging me all of this unfair fees and in violation of the " Overdraft Protection Act of 2013 '' Please any help you can provide will be appreciated. I am not willing to pay the abusing and excessive fees that M & T bank is trying to make me pay. 
Thank you and please let me know if you have any questions
IN XX/XX/XXXX A DEBT COLLECTION COMPANY CALLED ME ABOUT A XXXX XXXX CREDIT CARD ACCOUNT WITH A BALANCE OF {$670.00}. I DISPUTED IT AS IT WAS NOT MY ACCOUNT. THEY REMOVED IT FROM MY CREDIT REPORT. IN XX/XX/XXXX I RECVEIED A LETTER FROM LVNV FUNDING SAYING THEY RECENTLY AQUIRED THE ACCOUNT AND WERE NOW TRYING TO COLLECT THE {$670.00}. I EXPLAINED AGAIN THAT THIS WAS NOT MY XXXX XXXX ACCOUNT, I CURRENTLY HAVE 2 XXXX XXXX ACCOUNTS IN GOOD STANDING BUT THIS ONE WHICH WAS OPENED 3 DAYS AFTER MY CHAPTER XXXX BANKRUPTCY WAS DISCHARGED ( WHICH MAKES EVEN LESS SENCE ) IS NOT MINE. I CALLED XXXX XXXX AND THEY SAID I HAD TO SPEAK TO THE COLLECTION AGENCY. I WROTE LVNV FUNDING A LETTER DEMANDING PROOF ( STATEMENTS, APPLICATION ) SOMETHING TO PROVE THIS WAS MY ACCOUNT AND I 'VE GOTTEN NOTHING. THEY 'VE NOT RESPONDED TO MY LETTER AT ALL. I WANT THIS REMOVED FROM ALL 3 OF MY CREDIT REPORTS ASAP AS I 'VE BEEN FIGHTING THIS FOR YEARS NOW AND IT KEEPS POPPING UP. THIS IS NOT MY ACCOUNT, AND NO ONE CAN SEEMS TO PROVE THAT IT IS.
Target Redcard is reporting false credit information to the following Credit Bureaus : XXXX, XXXX and XXXX. 
I filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016 : Case # XXXX Target Redcard reported that I was 30 days past due as they did not get my payment for XX/XX/2016. 
I have XXXX accounts with Target RedCard. 
They reported past due Since my Chapter XXXX Bankruptcy on XXXX XXXX, 2016 I was not obligated for future payments and the XX/XX/2016 payments were not due and they reported past due.
On XX/XX/2018 at XXXX XXXX pst I used a XXXX XXXX ATM and the machine did not dispense any funds. I first contacted XXXX XXXX via phone and in person with the branch manager and informed them of the situation and was told since Im not a XXXX account holder they are unable to do anything for me and I need to contact Comerica Bank and file a dispute and that will intiate the disputing process with them. I then contacted Comerica and filed a dispute and also faxed a written statement of what happened and attached a copy of the ATM receipt that states that XXXX XXXX is unable to give me any funds right now and to call their 800 number. Its been 4 days now and I havent received any type of credit to my account. Every time I call they tell me it could take up to 45 days to investigate and just because I faxed them a statement and a copy of the receipt does not mean they will be giving me the provisional credit. I have been trying to get this matter expedited with Comerica and XXXX XXXX and gotten no where.
Hello- Checkr has reported and given incorrect arrest and court information about me to XXXX. 
I emailed Checkr to correct it yesterday, and have heard nothing. 
Checkr reported that I was involved in a felony assault on XX/XX/XXXX, and had it dismissed. None of that is true since I was not arrested or went to court. It is easy to see if you look up my name in the official XXXX County case search. 
The case number reported was XXXX. And my name is not on that either. 
https : //www.traviscountytx.gov/XXXX I got the background check and was completely surprised that such false information for a felony could be on my record. Please advise me on the next steps, so I can not have this affect any of my employers. 
Thank you.
When I submitted my complaint to the AG of Oregon a case was automatically created in CFPB and sent to SunTrust. The summary section I wrote was for the AG, but the attachments had 3 requests. 1. Fix our credit 2. Remove the approx {$760.00} charges on the loan that is now serviced by XXXX. and 3. reimburse me {$100.00} for the property damaged caused. 

XXXX XXXX contains the attachments that reference all three requests but only the credit request was addressed. 

This complaint is regarding the problem with the Auto Drafting system of Sun Trust.
Nation star mortgage does not own my mortgage nor have ever owned my mortgage. The court has acknowledged this however they report the credit agencies as if I owe them money. Only after I complained to XXXX did nation star stop reporting and marked my file as frocluser process started. Nation star had zero authority to ever report to the credit bureau and I demand nation star delete this account from my credit history all together as nation star routinely does with other borrowers where nation star has no interest.
I was part of the XXXX credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experion, or XXXX in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement.
Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors ). Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.
I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.
My husband ( who XXXX on X/XX/17 ) had a Discover Card that was unbeknownst to me. A collection agency has contacted me for the balance of the debt. I was not aware of this card and from what I understand on my credit reporting file by the major agencies I am listed as " an authorized user ''. I have never used this card. There are no transactions that have my signature on them. I was not aware of this card until contacted by the collection agency.
I sent a dispute to Transunion and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
XXXX is reporting in my credit file that I have an account with their company. However that is inaccurate information. College FOUNDATION acct # XXXX date opened XX/XX/1999 should be removed from my report is over 7 years old.
I have been fighting this since XX/XX/2017 I filed BKPT, but did not include my car of my apt.. I have repeatedly sent the bureaus information which shows that these 2 items were not included, yet Experian refused to remove them as a negative item included in BKPT the same for XXXX, although XXXX  did remove the car as a negative they still show the apt as being included in the BKPT, I dont know how else to ask them to correct the information
I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.
I make my monthly payment online to my mortgage company ( Associated Bank ), as encouraged by my lender. My payment amount is about {$680.00}. and I generally pay more. Associated Bank 's online payment program allows customers to select from the following XXXX options ; ( 1 ) Payment ( 2 ) Principal Only ( 3 ) Escrow Only. For my XX/XX/XXXX and XX/XX/XXXX payments I selected ( XXXX ) Payment - with the expectation that the payment would be applied to Principal and Interest. After making my XX/XX/XXXX payment, I noticed that both, my XX/XX/XXXX and XX/XX/XXXX payments were applied XXXX % to Principal. 
I called Associated Bank and advised this was not as intended and I needed the payments to be applied to Principal and interest otherwise, I was being harmed as a customer and would need to pay more. 
They said they would look into it and get back to me. They have since said they can not reapply my payments and that I have not been harmed. But here are the facts. 
3 payments of {$680.00} is {$2000.00}. 
I paid {$720.00} in XX/XX/XXXX, {$750.00} in XX/XX/XXXX for a total of {$1400.00}. 
I was informed that since my last two payments were applied only to Principal that my accrued interests balance is more than {$1400.00} ( which I would need to get to XXXX for future payments to be applied to principal ). So if I add what I 've paid for XX/XX/XXXX and XX/XX/XXXX {$1400.00} and {$1400.00} ( accrued interest ) that totals {$2800.00}, which is more than {$800.00} more than I would be required to pay during the same 3 month period. 
Not only am I being forced to pay more over a three-month period. It appears there is a systemic problem with Associated Banks online payment process that applies payments in a manner that harms their customers. I never requested that my payments be applied only to principal and now they are telling me it will not cost me more ( not correct as noted above ) and that they can not fix it ( not true, I am sure they can re-apply payments whenever they want ). 
Again, all I ask is that my payments be applied as they were intended, which is to Principal and Interest and not in a manner that benefits Associated Bank, or harms me, which is what they are doing. 
Again, it seems to me there is clearly a systemic issue at Associated Bank that is benefiting them while harming their customers.
The bank is : M & T XXXX, NY., I have been customer for several years. It seems that in the past couple years, I keep going over my account amount of money. This gets to be quite a lot of money at almost {$40.00} a hit. They sometimes reverse the transaction as a courtesy, they said. 

Most of the time, it seems to be happening in the last week of the month. 

What I want is if a company that tries to withdraw money ( using my bank debt ), be it auto withdraw or used at a XXXX, and the amount goes over what I have in the account to PREVENT it from going through. 
This would save the consumer a lot of money. I do n't know what the financial or legal steps are involved please look into this and see what can be done. Additional, although, M & T ( which is a commercial bank ), has no XXXX and understanding for the " little guy '', I would like the bank withdraws that they have robbed from me for a least the last two years. 
Please understand that every pennie is important. I am XXXX XXXX XXXX. My income comes from XXXX monthly. I receive just over {$700.00} per month for several years. No I have no overdraft protection as my credit is poor. Expenses have gone up but my income has not. 

I have taken a the steps that I can to make sure the monthly withdrawal are done after the first week. This takes into account weekends and holidays. 

They told me it ca n't be done ( block with draws that cause the account to go over. ) I say WHY NOT. Why ca n't it be changed to protect the consumer that lives from paycheck to paycheck or monthly SS. I have tried by best to ask them to prevent theses type of over changes but they refuse to work with me. 
Summary, 1. Prevent withdrawals from withdrawing if it causes account to go overdrawn. 
2. Return these over drawn charges for the past two years. Not just to me but to all the consumers in the same type of situation. 
3. Levi a fine on behalf of the consumer.
XXXX XXXX XXXX in XXXX Florida could not provide me accurate information to verify I was the individual that obtained the debt they had showcased on my three credit reports. With that being said, ERC has removed the debt ( XXXX Phone Bill ) from my XXXX credit report but has yet to remove it from my XXXX and XXXX. Every time I try to call ERC, I am transferred to a handful of different departments and then place on hold because no one seems to want to help me.
My bank charged me an overdraft fee and a extended overdraft fee. My account was overdrawn for 5 days and I received a XXXX $ fee. This is not my first time having trouble with suntrust bank. My check is only XXXX and they are taking XXXX for 5 days. This extended overdraft fee is anew policy that I am unaware of. this bank is a rip off and will take money any chance it gets. please help me get my money back! Suntrust
Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate Prestige Financial Services, located in XXXX Utah for violating the Servicemember Civil Relief Act ( SCRA ) after illegally repossessing my vehicle without a court order. 
In addition to that, they were supposed to lower interest to 1 % ( Exhibit A ). The only reason this account was in default is that they never updated the loan to reflect 1 % or the new banking information I provided them. A few weeks later I had to transfer from XXXX XXXX  to XXXX XXXX, stopping in between to attend a military training course for several months in XXXX XXXX. During that entire time, nobody reached out to notify me by phone or mail that the vehicle was at risk of being repossessed. The only notification that was sent to me was an email the month prior, which I didn't receive due to being in NY visiting family for XXXX. Even in that overlooked email, it did not say anything specific about repossessing the vehicle. ( Exhibit B ) It wasn't until a month later when Prestige Financial Services committed the most unethical and indecent act imaginable on the evening of XX/XX/2016. They intentionally violated my entire family by coming on private property in a double gated community without any warning and illegally repossessed our minivan without the decency of allowing me to get my belongings or all my kids XXXX gifts my wife had hidden inside, completely ruining XXXX for my XXXX young children who did nothing wrong! That is when I discovered the email sent the month prior and responded immediately notifying them that they were in violation of the SCRA. ( Exhibit C ) It wasn't until several days later when they finally contacted me back. I was told that I would have to pay {$500.00} to get my belongings back, which at the time we couldn't afford after having to re-purchase all the gifts for my children after XXXX when the stores opened up again. We never got our belongings back. After everything they did to violate us they are still damaging me by reporting inaccurate negative information on my credit report. I have sent them proof multiple times that the repossession was done illegally and it violated federal law under the SCRA but they still refuse to fix their mistake and won't remove this account off my credit report. I was advised by the XXXX Legal office on base to contact you after they saw what was done to me and agree that this company should be investigated to the fullest extent for their business improprieties.
Made online purchase at XXXX for {$16.00}. Order was canceled due to XXXX automatically applying an outdated shipping address from my account. They acknowledge the error, and they immediately issued a cancellation notice. I have screenshot and email confirmation. <P/>XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$16.00} ) {$16.00} balance has yet to be recovered back to my XXXX XXXX XXXX ( Blackhawk Network ) as of today, XX/XX/XXXX. In detailed conversation with XXXX escalation team, they indicate that their hold on the funds has long since expired ( XX/XX/XXXX ). And so the money should have been recovered back to the available balance of the prepaid card. It has not. I spoke with XXXX ( offshore call center rep for BHN ), who repeated ad nauseum that it takes 30 days for the money to be recovered to the card, and that it is " because of XXXX problem. '' This appears to be nothing more than scapegoating. Since the XXXX hold has expired, there is no outstanding claim against my funds that BHM would be required to cover. This appears to be an attempt to float MY money for as long as possible for BHN 's financial benefit ( float adds up pretty quickly if they 're doing this to thousands and thousands of transactions at a time ). The BHN rep made no offer to assist or resolve, merely repeating over and over that it takes 30 days. The BHN website shows ZERO reference to any hold on the card ( I have a screenshot of the account info, and specifically the " Holds '' section, which is blank ). The BHN rep refused to offer any reasonable explanation as to 1 ) where my money is, or 2 ) why it is not available for my  use ... other than to blame XXXX, and repeating her " 30 days '' script. This is wildly inappropriate behavior for a company to hold consumer funds for such a long period of time -- especially without documentation in our accounts, and without explanation as to the extended period. In 2017, funds availability and holds are routinely resolved same day or next day with every other credit card I hold.
XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you  please help me get this resolved?
I am writing to file a complaint against TransUnion Credit Reporting Agency. I submitted a request twice for investigation XXXX XXXX XXXX account ( Acct Number # XXXX ) from my credit. I submitted enough information and TransUnion to carry out a reasonable investigation of my dispute. 
They did not investigate properly instead they used XXXX system. I submitted a letter from origin creditor in which stated that he will remove the account from third-party collections and instruct the collection agency to delete any negative information reported to my credit report file relating to this account. But TransUnion did not investigate this account thoroughly enough and keeps this account in my credit file. 
It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 
I may suffer damages because I rely on an accurate and complete statement of my credit record and demand that TransUnion remove the disputed items from my report immediately as They failed to comply with the law. Transunion Credit Reporting Agency must pay up {$1000.00} fine for violation of the Fair Credit Reporting Act. 
I am requesting your assistance in putting an end to this matter.
I have contacted Experian on Numerous occasions about them stealing my money mand not canceling my product. They keep you on hold for hours to make sure you miss the deadline of the 7 Days to cancel your product. I do not have money to throw in the Trash and Experian has had Law Suits filed against them before because of this Deception. I want my {$31.00} that they took from me on XX/XX/2018. 

I have spoken to many Foreigners in a 3rd world country about this matter and I am tired of asking them for money they stole from me. I want my MONEY NOW! 

Thank you,
RE : Case # XXXXI did receive a letter from XXXX XXXX XXXX at Performant Recovery. It did not include another XXXX as stated in letter. I again faxed him the copies of all the correspondence, which included financial information and I mailed a hard copy to the address on his letterhead with a proposal of a payment plan. I asked again fora written response. This was onl XX/XX/2015 and now it 's XX/XX/2015. So my credit is still suffering and I 'm making payment and accruing interest and penalties.
I am currently on a modified payment plan that is very managable and I am able to pay ever month. I do not have any defaults with AES at the time becasue this plan is helping me. I called them today to see what my options are becasue I am able to pay this amount and keep them satisfied. They advised me that I have no options at the time and that after this year my payments will be going back to the normal amounts. I told them I will not and cn not afford that amount. They told me they can not do anything about it. I want to pay the loans but not a the crazy amount they want. There has to be some long time resonable payment plan that they can offer me because at this point they want me to go into default. How is this legal of them to say we can not help you and you have to pay this or default when I am trying to work with them?