WillisBack/dataset-financial-user-claim huggingface dataset:
There have been times in which I had to overdraw my account just to get by for the week. I would note all my transactions ahead of time to make sure they had already been withdraw from my balance prior to overdrafting my account to avoid any unwanted fees. Regardless, I would be surprised by more fees than what I was expecting. I wanted to get to the bottom of this so I started to screenshot my mobile banking app with the menu bar down to show the date and time. It wasn't long before I realized I was being charged inaccurate fees and I could prove it. I went to a TD Bank branch and spoke with a manager and was able to show her the transactions that were already deducted from my balance and a positive balance still remained afterwards. She proceeded to return the unfavorable fees back to me and told me I was possibly charged due to the date and time the vendor closed their batch. Even that seemed like a excuse without much behind it due to the fact that overdraft fees are charged when the bank must cover the cost of a transaction which in this case the bank did not do that no matter when the batch was closed. The manager notified me that I was unable to get any future overdraft fees returned due to the fact that I was only eligible for one per year. That did not help in the long term aspect of the situation as this is continuous issue. I have enclosed screenshots to further show that I was charged 3 overdraft fees that should not be existent on my account. The screenshots from Monday will show all the transactions deducted from my available balance and a remaining balance of $ XXXX and all will show the same date and time. The screenshots from Thursday will show each of those transactions again but that I was now charged overdraft fees on those three transactions. Regardless, those funds were deducted from my account 3 days prior and even left my account with a remaining positive balance. I must state that two of the overdraft fees shown are indeed legitimate. I did overdraw my account Monday at approximately XXXX at an ATM to catch up from the past few weeks.The screen shots were taken moments before I went inside to use the ATM. However there are still a total of three excess overdraft fees that I can't find any possibility to be justifiable. I would like to bring attention to this matter and see if this can be resolved because a visit to the bank branch is no longer an option for me as I am immediately dismissed and they claim they can't help me and the fees are accurate. A call to customer service is also not an option because they are unable to see the proof with the screenshots over the phone and are also unable to see which items have been deducted from my account balance days prior.
Chase Cards allowed for XXXX fraudulent credit cards to be opened in my name that was obtained as a result of identity theft. The account numbers for the accounts that Chase allowed to be fraudulently opened in my name are the following : XXXX XXXX XXXX These are not my accounts and Chase Cards have been contacted and been provided copies of my police report, identity theft affidavit, and they have still refused to act in accordance with the law and the FCRA by closing these accounts out of my name and by removing the derogatory information they have placed on my credit file. Chase continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in XXXX and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
After receiving faulty merchandise from a retailer ( XXXX " T.V. ) that does not work, filed a dispute with Capital One, my credit card company after numerous attempts to negotiate with the retailer. I have had XXXX conversations with Capital one regarding the dispute process and no XXXX have been the same. Capital One on XXXX XXXX credited my account back for the faulty product ( case # XXXX ) but when the retailer answered the dispute Capital One sent me a letter saying the charge ( {$620.00} ) would be placed back on my account because the T.V. transaction was a " face to face transaction '' according to the Capital One rep and therefore there was nothing they could do. By a face to face I assume they mean the retailer did not deliver the item but I was never made aware of nor was I offered a delivery service. When I brought this to the attention of the retailer his response was " they did n't have to tell me about the service ''.
I had an installment loan with XXXX XXXX.The loan was initially for $ XXXX.It was a 10 months term.I paid the loan for 7 mos and I started to struggle do to medical reasons.I notified the company but they wouldn't work me.They talked me into refinancing the entire loan and started the process again.At this time when I missed payments I was threatened with a lawsuit, wage garnishment along with the harassing phone calls.I called the office to try and work out something but with these people they say you pay us this amount or nothing at all.They even send partial payments back to you because they have did this to my mother. 
They refused any arrangements and charge-off my account and the amount is {$400.00} more than the amount I received.They have ruined my credit and I think that's what they wanted because of the type of people they are.
A bill for XXXX was sent to me as a debt collection notice from XXXX, out of NJ. I requested proof of the debt upon request for payment. I never received debt validation or a response. I recently receive a another notice about 2 years later from convergent outsourcing INC from XXXX WA trying to collect the debt from the debt collector XXXX I have request debt validation once again via certified letter.
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : Huntingtonbk Inquiry from XX/XX/2017 XXXX XXXX Inquiry from XX/XX/2017 XXXX Inquiry from XX/XX/2017
I had a student loan account with XXXX University that I applied for a cancellation under the Federal Perkins ( XXXX ) Student Loan. I completed the request for cancellation benefit or deferment prior to cancellation. In addition, I submitted the necessary forms to verify my then and current employment status teaching in an low income environment. I also, had my job verify my employment as requested. 
My loans was recently sold to Heartland ECSI, who stated that I need to start the process over with them, And that they will only issue a cancellation in the amount of! 5 %! 

I feel this is illegal! The terms of the original loan company should be honor.
I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX bank XXXX ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company
Speedcash is still trying to get more money from me and I paid them all of there money. I do n't know what to do do they will leave me alone.
For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.
I have not been able to find a means to dispute the incorrect information Equifax has on their credit report on me. Equifax telephone numbers do not allow for dispute of their incorrect information. only to put a 90 day fraud alert- but the incorrect info remains. To mail a request to one of Equifax address is a waste as they can just trash it. The Equifax credit report viewed on my XXXX acct shows an incorrect address for my residence and in a State I have not even been in. And someone tried to open an account in my name and XXXX did closed that account. The incorrect address can cause a fraudulent situation which had just occurred.
I am on total  XXXX  I have tried to get this loan discharged for at least 5 to 8 years. They send paper work. I fill it out at least five times. Nothing! Navient is the provider my credit is  XXXX  it 's killing me. Do not know what to do or how to fix it. I get ssdi and ssi and food stamps I qualify.
Tried to get money for a doctor visit in XXXX of 2013. A week after my visit the practice dissolved. I never received a invoice seeking any payment for three years. First Point Debt Collections called me to inform me of debt. They have no paper work and could not tell me who got the money when I paid bill. If practice out of business who filled collections after three years and who are they going to give the payment to .They could not, and would not answer any questions. Got ill for me asking.
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX of 2015. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.
XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   VA  XXXX  #  XXXX  dob  XX/XX/1962     XXXX , Equifax and  XXXX  will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Charged wire fee {$15.00} on XX/XX/XXXX, NSF Fee XX/XX/XXXX for {$35.00}. A transfer was done XX/XX/XXXX for {$45.00} to cover the negative but incorrect phone number by one digit. Two deposits were made on XX/XX/XXXX totaling over {$1600.00}. Then several ATM transactions put through AFTER the actual date and not when they were truly made and the account was positive. Four of six receipts are included. I 'm looking for other two. XXXX {$19.00} on XX/XX/XXXX XXXX XXXX, XXXX {$10.00} XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XX/XX/XXXX and the withdrawal {$600.00} on XX/XX/XXXX at XXXX XXXX. All these fees total {$150.00}. Three more {$35.00} each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. And there were promised fee refunds for areas affected by hurricane which I was.
I have missed a payment on my vehicle loan and I am willing to resolve the issue. UAC keeps contacting me at work. I have asked them several times not to call me at work, but they said that does not apply to them. Is this true?
Hello : I am the original owner of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX since XX/XX/XXXX. In XXXX XXXX, my family moved to XXXX, FL for work, and then to XXXX, KY in XXXX. At the high of the financial crisis, we were able to refinance the mortgage at 2.0 % ( $ XXXX ) fix rate under the XXXX. Obama HARP program via XXXX XXXX. We paid rent and the mortgage for XXXX year, before moving back in XX/XX/XXXX. In XXXX, Ditech took over the mortgage from XXXX, they immediately increased my fixed rate to 4.0 % ( {$1500.00} ), to 4.25 % ( {$1900.00} ) in XXXX XXXX and started charging me monthly fees saying that under HARP program, there was no more XXXX day grace period. In addition, the $ 800+ escrow amount for mortgage overpayments set up by XXXX disappeared from Ditech account records with no record to those funds being applied. Since,XX/XX/XXXX, Ditech has refused to apply my monthly mortgage payments, because I refused to sign a new agreement, for a XX/XX/XXXX year at $ XXXX.
I have already been to court to pay this debt. XXXX XXXX XXXX made a mistake charging my account with utilities in advance, that was the reason to charge Astronomic fees, also they dont received my current payments. The only way to dispute this was on court. I went to court on XX/XX/XXXX and Plaintiff was pay In full for a total of {$2100.00} on XX/XX/XXXX XXXX see Ecase view through Court : XXXX XXXX XXXX . The court records indicate that I already paid in full the Correct balance. No Absurd interest fee for negligent billing procedures in XXXX XXXX. The records that you provided show that the credit first opened in XX/XX/XXXX and was first reported XX/XX/XXXX ; four and seven months, respectively, after the debt was paid in full in court. 

I am requesting that this information be corrected. There is no reason as to why the credit charge is in a status of collection. it makes no sense, and the timing of the reported date makes even less sense. Given the due process of the law, XXXX XXXX had every opportunity to charge in court more or less than the amount they claimed, but they didnt, so I see no reason as to why they should decide to do it later by Ideall collection services.This is a clear fact how they act, they abuse.
I was marked 90 days late 4 times by  Nelnet  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score  has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My heart just stopped beating all together. I called NelNet the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  NelNet  ) nor the credit bureaus. I wrote  a 2 p age letter and attached supporting docs ( proof ) and even my lawyer got involved. No one  XXXX   XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro 2 compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
I received several calls from Unifin during business hours while I was at my job, but never any voicemails. After receiving 5 calls on a XXXX afternoon from the same number, I called back and was greeted with " How may I direct your call? '' - I let them know that I had received several missed calls from this number and was calling back to see what it was in regards to. I was then directed to a gentleman by the name of XXXX XXXX who told me that I had just been put into collections for a hospital bill that  was over 5 years old. Long story short, ( over the course of a week ) I was told to call 4 different doctors offices and physicians groups to see where the unpaid debt had come from. I was under the impression that debt collectors had this information prior to contacting you, but because I was desperate to be taken out of collections, I called. After calling all 4 places, they all let me know that I was in good standing, and was never delinquent. I called XXXX back for 4 days where I was only able to leave messages. The following XXXX, I had called in again and had spoken to XXXX where he told me yet again to call another doctor to see where my debt had come from. I asked him why that number was n't provided to me originally? He put me on hold where another gentleman got on the line and let me know he was the manager. When I asked his name and the collections agency he and XXXX were with, there was silence on the other line. When I asked again, he very defensively let me know that he was just trying to help me settle my debt and that I was responsible to pay. I told him that I was happy to pay, but I needed to know this information. Again, silence on the other line. This went on for about 3 minutes before I began to get very nervous and started crying. Why are these people harassing me at work and then refusing to tell me who they are when I am trying to do right by my debts and pay them off? I hung up and called back into the main line, asked the man who picked up what the name of the company was. He told me Unifin and that was the only way I was able to find out who was calling me since the other Unifin employees refused to tell me any information. I ended up finding out that this information was false and I did not owe money for a medical debt. This is harassment and terrible business practice. Please beware and make sure to do your research if this company ever calls you!
Diversified Consultants, inc ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX  Phone # : ( XXXX ) XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication. I am traveling at this moment outside the USA. Without any telephone communication and just and based on the failed communications and one mail ( I never received ), they reported a derogatory remarks to my credit score. This debt collection agency did not try to reach out to me in enough means, not even try to have a successful phone conversations before damaging my credit history. I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. Thanks, XXXX XXXX
To Whom It May Concern : I received an unsolicited request to modify my HELOC loan at Bank of America. I signed loan documents in XXXX 2015 effective XXXX 2015 and first payment date XXXX XXXX, 2015. My loan has still not been boarded on the BofA system which I understand is a CFPB and RESPA servicing violation. 
I 've been diligently working with BofA to get this corrected, but to no avail. I 'm told that the issue is that when I signed loan documents BofA 's system automatically generated the wrong date on the Clarity Commitment document. I 've asked for the corrected document and they refuse to send it stating it must be system generated and there is a glitch in the system. 
In the meantime, BofA instructed me to make and continue making the payment based on the new loan modification documents. Since their system does not recognize the new payments they continually send me late payment notices and continue to tell me to ignore them and make payment based on the signed loan docs. Now I have mortgage lates on my credit report and BofA is non-responsive. 

I 'm told that the situation is not unique and this situation effects many consumers. 

I 'm respectfully requesting your help.