WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a customer with this bank for years and for the most part I have not had any problems, until recently. I began reviewing my account statements after I received a notice that my account was over drafted over {$700.00}. I will be honest in saying that I have unintentionally over drafted my account in the past and have been able to bring my account in the positive within a reasonable amount of time. When I reviewed my statements, I started by reviewing the balance and charges from XXXX until recently. I would subtract the charges shown from the balance provided on my statements. Often times when I was charged an overdraft fee, there would still be available funds in the account. I have been charged {$36.00} overdraft fees for charges well under {$5.00}, the smallest being a {$0.00}. I know difference between an available balance and posted balance, still according to my research, a lot of the overdraft fees I was charged was done in error. The way BB & T explains how they process payments and the difference between an available balance and posted balance seems very deceptive. Based on the numerous complaints I have reviewed, I am not the first customer to have this problem. My account is utilized for various reasons and BB & T has put me in great financial trouble with other institutions I pay using the funds that are deposited in this account. I contacted the customer number XXXX to resolve this, both times the line disconnected. I only decided to submit this complaint as a last resort when I checked my bank statement to find out I was charged {$4.00} for contacting the customer service number in order to resolve my problem. I would like to remain a customer with this bank, but I do not agree with how I have been treated and taken advantage of.
Repeated daily calls for XXXX. I have told them numerous times they have the wrong number but they will not stop calling. Today XXXX/XXXX/XXXX they woke me up on Sunday morning at XXXX the one day I get to sleep in. This has to stop. I do not know a XXXX.
My complaint or area of concern involves my mortgage not my lender. I really don ' know who else to tell my story as I 've been fighting this battle for the past five years. My issues particularly lie with XXXX XXXX XXXX XXXX XXXX Court in XXXX, SC. I filed for a divorce in XXXX my ex husband was court order to maintain mortgage payments. That order was never obeyed. He emptied the XXXX account which was under a restraining order and never paid the mortgage. Nearly 1 1/2 years went by, XXXX attorneys and XXXX contempt of court order and still no relief. I was a stay at home mother for nearly 17 years ; me and my XXXX children were still residing in the home. My husband voluntarily left his employment as a XXXX ( earning {$86000.00} ) applied for unemployment and food stamps. Took me to Court ( XXXX ) for a reduction in spousal & child support. Two weeks later relocated gainfully employed as a XXXX again earning a higher salary ( {$91000.00} ). During that time of nearly 4 months not a dime of spousal, child support or mortgage payments. I did an engine search and found out he was employed in XXXX. I borrowed more money from friends & family hired a XXXX attorney. The XXXX Contempt hearing XXXX XXXX XXXX my husband was found to be in willful contempt on multiple counts, namely the mortgage. A few weeks later to escape responsibility ( repayment of mortgage at that time it was in the arrears of more than {$30000.00} ) and penalty ( 30 days in jail ) he filed Chapter XXXX in XXXX, XXXX During the Final hearing process he converted to a Chapter XXXX claiming our XXXX minor children as part of his household. He also lied as respects to what he was paying in spousal & child support. Under our lenders request I did have his name removed from the deed early XXXX. I did get relief from Federal Court lifting the " stay '' to complete the divorce. At the time of the Final Hearing I was still unemployed however the Court awarded me the martial home and my now ex relief from mortgage responsibility. Placing the children in I in danger of becoming homeless. I applied multiple times for HAMP & NACCA programs. Until finally reaching out to CFPB which I most grateful and very happy to say assisted with the process between me and the lender. My issue is now my ex husband is attempting to have his name removed from the FHA mortgage/loan. I 've been paying the mortgage on time, I ca n't assume the loan on my own. My children and I have no where to go because of he non compliance with previous orders not paying the mortgage completely wrecked my credit & ability to rent in a safe decent area. Additionally, at the time our XXXX yr. old son XXXX XXXX in a 4 month time frame. I suggested relocating back home near family. The XXXX recommendation was no more major life changes XXXX. The Family Court system interest does n't appear to be in he best welfare for children and mothers. I am afraid the Court will order side with my ex and force me to take his name off the FHA loan. Please HELP!!!
XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXX ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}. XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...
I called numerous times about a supposed law suit US Bank has on me. I asked how am I frauding them. I called the recovery department and was told by XXXX that according to my ssn I am not in system. I was XXXX by XXXX I closed my account in 2005 with a balance of {$270.00} first time and he did n't know how much my balance was second time. Both times he said my balance could be a scam to seek legal help. He also said that balance was sold to a company that is now closed down and could not give me anything else on that balance. He even refused to offer me the old account number stating my account is too old and again seek legal advice for it could be a scam.
On XX/XX/XXXX Wells Fargo informed me that I had reached 80 % LTV, thus qualifying to have PMI payments removed from my monthly mortgage. To cancel I had the option of either 1 ) paying {$6400.00} to reduce the LTV down to 78 %, OR 2 ) calling them to request a new property evaluation to ensure the home was still above the original {$330000.00} valuation. Upon calling to discuss the property evaluation, I was informed they would send me another form to request a property evaluation through Wells Fargo. Not sure why this request was not available either online or, at a minimum, included with the form for option # 1 which somehow did get mailed to me. 

Having just received my XXXX XXXX XXXX XXXX valuation for XX/XX/XXXX reflecting home valuation of {$450000.00} AND having had an appraisal performed in XX/XX/XXXXthat reflected a valuation of {$420000.00} ( coincidentally the same value XXXX XXXX showed for XX/XX/XXXX ), I offered to provide both as proof that I did in fact qualify to have PMI removed. I spoke with 2 different customer service reps at Wells Fargo Home Mortgage ( XXXX ) as well as a supervisor named XXXX XXXX on XX/XX/XXXX, and was told neither of these documents would be sufficient. In fact, I was told that I actually would have to use a Wells Fargo approved appraiser specifically to perform this task at a cost of {$550.00}. This is actually above market for a home appraisal ( {$400.00} is what I paid last year ) so also unclear why any professional appraisal wouldn't be acceptable. 

If Wells is willing to waive the appraisal once an additional 2 % is paid down on the loan, I think a valuation 34 % ABOVE their minimum by both a governmental entity AND an independent appraiser should be sufficient. I also don't understand why I have to pay an exorbitant fee for what is a relatively commoditized service and suspect Wells Fargo is actually making money off of the higher appraisal fee. This seems very unfair and could be alternately addressed doing a quick look at comparable sales in the area which would be relatively inexpensive to perform. 

Thank you for your assistance.
THIS IS BEING REPORTED AS A NEW DEBT I HAVEN'T BEEN TO XXXX HOSPITAL IN MANY MANY YEARS. I HAVE WROTE LETTERS TO THEM FOR DOCUMENTATION.
My personal information was leaked or stolen in late 2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.
My transactions, there were 5 in total were done in XXXX which I 'm taking Moneygram to the federal court here in XXXX. It has been suggested to me by XXXX in XXXX which is the equivalent to your FinCED to wroite to where the company is registered to seek a refund to the fact that they released my {$13000.00} XXXX dollars to someone they should n't have. I contacted Moneygram last year as this happened on XXXX XXXX 2016 and NOT one person from Moneygram has bothered to contacT me at all. I called their fraud number advertised on the intervener, emailed them and also contacted them on XXXX hence why I started processing against them in Court here in XXXX. I 've noticed that they have been fined millions and millions of dollars in theUSA. They have also received many fines here in XXXX but still continue to allow fraudulent behaviour by scammers using this service. Please help me make this company accountable for their behaviour.
I disputed accounts with the credit furnisher XXXX XXXX on XXXX occasions via certified mail as well as with the credit reporting agency, Experian. On the first occasion the furnisher reponded to my dispute contradicting my dispute with their evidence that was intended to support my ownership of this debt and requested that the credit reporting agency preserve this information on my credit report. I responded with a second dispute including legal documentation that validated my dispute, contradicting the evidence they presented with me as the owner. After the second dispute via certified mail with the furnisher I received no further correspondence, with evidence disputing my legal documentation. However, they contacted the creditor without investigation and asked that they keep this information on my credit report.
I have previous filed a complaint against XXXX XXXX- I had insurance on all of my store credit cards with this bank. I had to used the protection plus insurance on my credit cards due to being sick. This company cancelled or terminated my protection plus insurance and accused me of fraud. This is totally unfair practice on their behalf. I had file an insurance claim due to XXXX, my doctor , Dr XXXX was terminated during the time I had an active insurance claim with this protection plus program, and all of this doctors patients was sent or placed with other physicians in the area. I was assigned to Dr XXXX in XXXX, Arkansas. I explained to my new physician that I had an open claim with XXXX XXXX/ XXXX XXXX XXXX and needed her to fill out the necessary paperwork to get my claim processed. Dr XXXX had a copy of most of my Medical records from Dr XXXX and filled out necessary forms for card security. At that time I was accused of fraudulent claim. And I was terminated from the program. As my medical condition became more advanced I contacted XXXX XXXX to find out what options I had on reducing my monthly payments. XXXX XXXX closed most of my store cards and reduced the credit limit on all of the other store cards that I hold from their bank. The customer service representative from XXXX XXXX, never told me a date that my payment would be due on. Ive contacted XXXX XXXX numerous of times to find out my due date on credit card payments and the customer service representative gave me several dates to pay my cards on. I am totally confused. XXXX XXXX   retaliated on me because I file a previous complaint on them and now ever month they are sending in to credit bureaus that I am 30 days late, this is totally wrong and they should be sued. XXXX XXXX refused to send me out a statement of my due dates. They have blocked my on-line access and telephone so I cant pay my bill. I have never been late with this company since I had become a customer until the customer service decided to give me false information on payment dates. After XXXX XXXX found out I had XXXX, I was terminated from XXXX XXXX and they are reporting my payments late to credit bureaus every month. XXXX XXXX also reduced the credit limits on my credit cards because my credit score dropped due to XXXX XXXX reported false information saying my credit card payments were late.
This is a NEW complaint with PayPal Credit. This company will not work with a consumer, or even reply. I wish to close out this account and under Hardship/Medical Hardship, of which both are available options, and denying, not addressing these concerns can be seen as discriminating to me, with credible XXXX. ( # XXXX XXXX XXXX XXXX ) ( phone # XXXX )
My business partner and I opened a business bank account with Wells Fargo Bank XX/XX/2016 ( XX/XX/2016 ) and gave the Business Specialist all the business documentation he requested, including our DBA statement. XX/XX/XXXX I received a letter from Wells Fargo ( Risk Operations ) saying that the bank needed more 'business verification documents ' from us. I returned to the bank ( XX/XX/2016 ) and gave another Business Specialist our signed Partnership agreement and requested that if anything else was needed, to contact us. He said that he was sure that this doc would suffice and did n't know why the first Business Specialist lead us to believe that the Bank had all the necessary business documentation from us. On XX/XX/2016 I looked at our business account online and saw to my great shock that it was closed with absolutely no prior notification to us. I returned to the Bank on XX/XX/2016 and the spoke to the same Business Specialist I visited on XX/XX/2016. He said that 'perhaps our DBA had n't been scanned ' in in the first place. He appeared to be just speculating and he could n't talk to anyone who actually knew why our account had been closed. On XX/XX/2016 my general partner returned to the Bank where we opened the account. She spoke with the Business Specialist who actually opened our account. He said that our account is now 'open ' again but could n't tell us why it had been closed ( in error ). He also could n't tell us when we would receive the {$820.00} that was the balance in our account when it was closed. ( WF XXXX out the balance when they closed the account ). He said the check 'was in the mail ' and also it 'might be Fedexed to us ' but could n't give us a tracking number or any indication about when the check will actually be sent to us.
Transunion has listed wrong information in my report. 
Attached files are my id, proof
I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my XXXX, experian and XXXX updated reports.
This account was paid and supposed to be deleted from the credit reporting agencies and has not been updated as of yet. It is very important that this be updated as soon as possible as I am in the process of buying a home and this is affecting my rate. I have correspondence from GSI stating that this will be deleted from XXXX. Thank You!
On XXXX XXXX, I sent the pay off amount for my two Federal load to Navient to the address they listed for Federal loans. The payment was never posted, even after the checks were cashed on or around XXXX XXXX. When I called - and was put on hold for nearly an hour - they said one of the checks they had, but they had no record of the second. I emailed after a week or so and just received notification that they payment was received and after a period of " aging '' typically 15-20 days then I will be issued a refund. They say the refund will take four to six weeks to receive. From when I mailed the check - and lost use of my funds - they are saying it will be 3 months before I have access to my money. During this time, I must continue to pay my loans - and the more than 4 % interest.
Illegally discussing account with someone not verified. I owe XXXX XXXX and it went to collections. I did not authorize anyone on this account.XXXX XXXX XXXX ( CCS ) called and was informed by my wife that I was not there. She asked to take a message and they informed me " I guess I can talk to you '' and proceeded to ask for my address and phone number, which can be found in phone book. She gave them the information and they started talking to her about my debt. Nowhere did they ask for her name. I held a job XXXX XXXX for a very prominent XXXX company and it was drilled into us we had to verify who we were talking to.
Us bank located at XXXX XXXX in XXXX XXXX XXXX recently opened up some financial service in my name and private information. I am being forwarded recent letters from an address in XXXX in 2013 stating my accounts are active and to contract them immediately due to usps address change. They also sent emails which were forwarded to an investigation company where I learned that the account has been closed yet they are unaware as to whom is contacting me from the bank. I had a team of investigation on the phone mediating contact.And they kept trying to get more information from me
On XXXX XXXX, 2015 I called XXXX. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that XXXX sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.
I had went to pay my student loans today and when I looked at the statement I had noticed that my payment had doubled. I had expected an increase in payment as our income had become higher, but the amount is more than I can afford. I had reached out to Nelnet and they advised me that they could not lower my payment amount because my wife has a forbearance on her account, which is no longer true. I had tried several times to get this payment lower to an affordable amount and found nothing from Nelnet but a lack of honestly and professionalism. I have paid my bills on time and asked that they kept them below {$300.00}, and they would not assist me. This is after I had a conversation earlier this morning and was told that it would be {$280.00}. I believe that they are predatory and dishonest and would like to transfer to another servicer.
I 've been asking Bank of America for legal documents on my loan for literally years now, probably 5 years, but very interesting that when they turned over my loan for servicing that all of the sudden there was documentation created. They created an Assignment of Mortgage from XXXX via the XXXX system to Bank of America and then a month later from the XXXX system for XXXX to XXXX ( XXXX ). Now Bank of America has been stating for years that XXXX is the owner so what is all of this? Bank of America 'seized ' ownership for a month even though been collecting from me for years and then assigned it to this XXXX ...? This is insanity and I do n't even have to check to know that not one bit of this was made legal by having it recorded and whose signatures are these ... Why is Bank of America creating these documents and not XXXX??? It 's interesting because one states prepared by Bank of America and the other by XXXX XXXX but the same phone number so also Bank of America? Is this done in Bank of America 's fraudulent document creation lab like the other document XXXX sent which was a complete forgery ( that 's being dealt with separately ). 

This is all just more Bank of America trying to deceive and cover their corrupt actions or if not, there needs to be some serious explanations as to what this is all about!
Companies "  XXXX  '' and " AMERICREDIT '' have pulled a report on my credit without my authorization on  XXXX   XXXX ,   XXXX   from   XXXX   XXXX   to   XXXX   XXXX  , Corporation "   XXXX   ''  may  have authorized this credit report without my authorization on the website "  XXXX   XXXX  '', was swindled into entering car I was looking for and providing contact information, no where on the page did it specify credit reporting. "   XXXX   '' was contacted and claimed to have no information on my credit report inquire. Conversation recorded, pictures of website with no specifications of credit reporting filing present.
For my XXXX XXXX ... XXXX .... XXXX ... .. The following accounts have been incorrectly reported. 

XXXX not ending in XXXX - There is a social security number variation that looks like XXXX or something. That is NOT correct or mine, and can explain why the following items below are listed. 

XXXX XXXX XXXX XXXX charged off account ) - This charged off account is not mine and needs to be removed immediately. My ex-spurse XXXX XXXX added my name without my permission and signed my name as a co-signer. 

XXXX - This account had unauthorized charges and I had them close it, this should be removed and a {$0.00} balance.