WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, someone managed to withdraw {$760.00} from my checking account, leaving me with a negative balance. I did not realize my account was in the negatives until the following day, XX/XX/XXXX. Between that time, I deposited {$200.00} at a TD Bank ATM, paid for gas, and purchased a drink at XXXX without realizing my account was compromised. I never received a notification stating that I was, the only reason I found out was when I decided to do my weekly check up on my bank account through the TD Bank app on my phone. 

I immediately went to a nearby TD Bank in XXXX, NY and explained my situation. The employee who helped me issued me a new debit card, and filed a fraud claim for me. The following is what I stated in the claim : * I never lost my debit card, I even showed it to the employee before she gave me a new one. 
* The location that the money was withdrawn from was at a TD Bank that I've never been to. 
* This was the first time that I experienced bank fraud/theft. 
* The money had to be withdrawn on XXXX in the early morning ( XXXX ), because I deposited {$200.00} around XXXX. I can not provide the exact time because that information is not shown on my statement or account history, only the date is shown. 
* Assuming the money was withdrawn some time between XXXX, how could I deposit {$200.00} at a different location that was over 1.5 hours away. 

After I filed the claim, I waited 10 business days for a reply from TD Bank. During this time, I was also hit with a {$140.00} overdraft fee. The bank eventually told me that my claim was denied because according to them, my debit card was used, the PIN was entered correctly the first try, and the location it was withdrawn from was nearby my home address. I stated again that I never lost my card, and I have no records of ever going to this particular TD Bank ATM before. After speaking to the employee at the bank, and also calling TD Bank 's Customer Service, I was recommended to file a police report. Which I did. 

The bank employees told me that I should bring a copy of the police report to them so they could open up another fraud claim for me. However, the police told me that I can not receive a copy of the report. So I left it up to the police and detectives to take care of the situation for me. I also opened up a second fraud claim to classify my account as " under investigation '' to prevent it from being closed. I have waited over a month now and still have no word from the police/detectives and my fraud claim was denied again. During this time, my job continued to pay me by direct deposit so I was able to bring my account into the positives again and have access to some money. I have since withdrawn almost all of my paychecks as cash the day I get paid, to prevent the chance of facing further theft.
On XXXX/XXXX/2015 I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The letter claimed that I owed XXXX on a storage unit. I have never obtained a storage unit from this company. I called their number XXXX three times during business hours. No one answered. I left XXXX separate messages. I never received a response. On XXXX/XXXX/2015 I received a letter from a collection agency Allied Interstate. I am now in the process of disputing this charge with the collection agency. I am completely without fault. Yet, I now have to spend my time disputing these charges because XXXX XXXX has failed to do their job.
On XX/XX/XXXX, my son sent {$2000.00}. from a TD Growth Account Money Market to my TD bank account. He received a confirmation of the transfer and a confirmation number : XXXX. He didn't realize that there are two options of payment, one immediate and the other in a couple of days. 

By XX/XX/XXXX we went to the XXXX XXXX Branch of TD bank. After working with a very attentive woman who sat on hold a good part of an hour and was transferred twice. we were told this type of transaction ( because it wasn't immediate ) would take 3 business days. She also went into my phone apt and adjusted my info for XXXX who does the transfers. 
Fast forward to today. Again I went into the same branch and a very nice young man, XXXX XXXX, tried to help. This time after going thru the steps taking over a half hour he speaks to someone named XXXX in the Tech support. XXXX then tells Mr. XXXX that the transfer was rejected on XX/XX/XXXX. 
So where was the money after it was taken from the Money Market account? My son, XXXX XXXX, is the trustee for that account and he was never notified that the transfer was rejected. I have received money from him before without problems. 
Not too long ago my husband had sent money to our granddaughter and she never received, but it was withdrawn from his account. He sent the money again and she got one of them and the other one was rejected. This is all TD Bank to TD Bank. 

Once is an oops, twice in banking begins a pattern. 

XXXX XXXX
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX and XXXX   XXXX.
American Education Services is refusing to honor my IBR certification information on file with Studentloans.gov website. Although it is effective through XX/XX/2019, see attached documentation, American Education Services is demanding I recertify with them. 

American Education Services has now capitalized the outstanding interest on my loans, directly violating my IBR agreement.
( 1 ) I believe I have been mistakenly put on a path through the application process for a Modification when a XXXX XXXX, 2016 Bank notification of intent to Accelerate triggered me to call the bank 's Customer Service team and the rep began me on the path of a Modification Application which I submitted XXXX XXXX via a designated single point of contact. I feel like the situation is overwhelming and spinning bigger and bigger out of control as I have discovered from reading various bank communications to me that a much better and simpler option would be what Bank of America describes as a " Repayment Plan that allows you to make your regularly scheduled mortgage payments plus pay off a portion of the past due amounts overtime. '' ( 2 ) Separately regarding the distinct, separate Modification Application process and review Bank of America Representative XXXX XXXX in our long conversation said more than once regarding all of my issues and questions raised that, " Your points are valid and you need to take them back to your Bank of America single point of contact. '' I have attached my written questions and requests made to my bank designated single point of contact here which lays our requests and questions to considered and addressed. Please note I have documented copies of all communications from the bank listed in the chronology of the attached letter. My assumption is the bank also has these in their database however I can provide upon request.
I submitted information to XXXX XXXX Bank on XXXX XXXX, XXXX, for an old account that was listed on my report, although the account was paid. XXXX XXXX bank agreed to request for the removal from my credit report, on XXXX XXXX, XXXX. XXXX and XXXX removed the item on XXXX XXXX, XXXX. Equifax refused to remove the item, although they received information the company stating that they were requesting a removal from my report. After Equifax refused to remove, I disputed the item on XXXX XXXX, XXXX, XXXX XXXX indicated to me they were requesting a removal. Equifax still did not remove the item from my report.
I have tried several times over the past XXXX years to get my credit report from Experian. I wrote a letter requesting their help. Apparently, the letter and request were ignored. i have not been able to get a credit report from them. I have no way of knowing if the problem which existed in the past with error on report has been fixed ( unless I pay them ). FREE means I do not have to pay for an annual credit report.
XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU COPY : XXXX XXXX XXXX FROM : XXXX XXXX XXXX   RE : COMPLAINT AGAINST XXXX XXXX, ACCT : XXXX. 
XXXX Account Ending XXXX This is a second complaint against XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX, who CONTINUES to report the Charge Off on my credit report incorrectly. ( See Their Letter dated XX/XX/XXXX ) My credit card account with XXXX was unfortunately first reported as a charge off XX/XX/XXXX due to the death of my husband. This is correct. My final payment was made to XXXX XXXX XXXX, XX/XX/XXXX and the account was closed. However, in several letters written to XXXX XXXX XXXX, I asked if they would simply report that the account was paid in full rather than paid for less than the full balance, for I paid them {$4000.00}. in cash and they also reported the total amount to my income tax. This I thought should have resulted in the wording of Charge Off, PAID IN FULL. Instead of making this correction or explaining their rationale, XXXX XXXX responded punitively and changed the First Reporting date, the Charge Off date and the Date of Status as indicated below and in attachments : # 1 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX Date of Status XX/XX/XXXX # 2 Date of Credit Report XX/XX/XXXX Same Same Same After Letters of Dispute, the First Report Date, Charge Off/Closed Date & Date of Status were CHANGED to : # 3 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX & XX/XX/XXXX Date of Status XX/XX/XXXX # 4 Date of Credit Report XX/XX/XXXX Same Same Same # 5 Date of Credit Report XX/XX/XXXX Same Charge Off XX/XX/XXXX Same It is clear that XXXX XXXX XXXX responded punitively after my request for them to change their wording to Charge Off, Paid in Full. They changed the First Report Date from XX/XX/XXXX to XX/XX/XXXX! The First Report Date is not a variable in reporting facts. Likewise, how can one change the Charge Off Date, XX/XX/XXXX to two  different dates of XX/XX/XXXX and XX/XX/XXXX as well as the Date of Status to XX/XX/XXXX, and then after a second complaint change to one Charge Off date of XX/XX/XXXX. The Charge Off was paid in full and closed XX/XX/XXXX. This should be the charge off date forever as well as the Date of Status forever. Any other change of dates is fraudulent facts. 

There is quite obviously something fraudulent in XXXX XXXX XXXX facts and figures. I am registering this complaint for their failure to correct after three requests & disputes. See their letters XX/XX/XXXX & XX/XX/XXXX, restating their position to support their fraudulent facts. 

4 Attachments
On  XXXX   XXXX  I deposited a {$6000.00} check via my mobile device into my new account at Regions Bank in  XXXX , Al. The payor was a jewelry company that purchased an item from me. That company is located across  the street fr om Regions in  XXXX  and their check was drawn on a local bank. I was recently divorced and chose per my decree to return to my previous name  XXXX   XXXX . I opened the new account under  XXXX . I was previously  XXXX   XXXX  and the check was payable to  XXXX . On  XXXX   XXXX  I realized the deposit had not been credited to my account so I called Regions Customer Service. I was told the process normally takes  24  hours and would possibly post that day. It did not post that day so I called Customer service again and I was told that federal law allowed them to hold my deposit for 11 days. On The night of  XXXX   XXXX  I checked my mail and I had received a letter from Regions fraud department that said " we have received confidential information that the deposited check may not be paid '' and the funds would not be available until  XXXX   XXXX . On  XXXX   XXXX  I went into Regions to check on the possible fraud issue and I was told it was not fraud but the check was not paid by the payor 's bank due to NSF funds. I went across  the street to the jeweler that wrote the check. I viewed his on line account and saw that the check WAS  paid and had been drafted from his account. I also spoke to his banker who also confirmed that Regions had been paid for the check and it cleared the payors account and the funds were available. There was never an NSF issued. I went back to Regions and spoke again to the assistant manager, who then said there was a problem with my identify. I immediately provided her with my drivers license, SS card, and voters registration card, ALL under  XXXX . I then pointed out to her that Regions allowed me to open the account under  XXXX  with a  XXXX  ID. She contacted the operations manager and the fraud department in an effort to at least release a portion of my funds to meet my immediate need. The bank refused my request even though they had received the funds and I had proven my identity. This caused an egregious hardship on me and my family. Regions employees all told different lies about the receipt of the funds and the reasons for the lengthy hold. Even though the bank may be legally allowed to deny me access for 11 days to my money there was never a valid reason for them to do so. I am furious! They even offered me a LOC that would cost me interest to cover my immediate need. Regions should be paying me interest for holding my money! The law that allows banks to do that should be amended to define " just cause '' if the funds have been paid and consumer ID is verified.    XXXX   XXXX   XXXX
Consumer complaint narrative I pulled my Experian credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Chase card services reported the card charged off as of XX/XX/XXXX. In XX/XX/XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.
Since I opened a XXXX XXXX XXXX credit card with Synchrony Bank, I have had nothing but problems with the " Reward Dollars '', which are the credits that you receive when you purchase items from XXXX XXXX XXXX. Every single month, Synchrony has either not given me the correct number of reward dollars I am due or not given me any of the reward dollars I am due. Each month, I call and complain and they eventually recognize the mistake, though it takes " an investigation '' and an additional billing cycle for them to correct it. 

This month, on XXXX, I spent {$1000.00} and should have received the usual 10 % in rewards ( {$100.00} ). I received no rewards for this purchase ( the statement says something about this purchase being a " deferred interest '' purchase but I have no idea what that means, as I did not ask for any special payment terms at the time of the purchase and I paid the balance in full the day I received the statement. ) On XXXX, I spent {$53.00} during a " double points '' weekend and should have received a {$10.00} in rewards points. I received only half of these reward points. In total, I should have received {$110.00} points this month ( {$100.00} plus {$10.00} ). I received {$5.00}. When I called, Synchrony, once again, recognized the mistake but said I had to wait another billing cycle to have it corrected.

To make matters worse, the rewards " balance '' total on the statement doesn't align with the rewards balance on the home page. The statement shows a prior balance of {$11.00} then adds the ( incorrect ) {$5.00} earned this month for a new rewards total of {$16.00}. However, my account on the web page shows a " previous reward balance of {$16.00} + {$5.00} earned this period ( I have no idea where this comes from ) - {$20.00} reward certificate ( which was never issued to me ) for a balance of {$2.00}. None of this makes any sense.

I have had credit cards for thirty years and have never had problems like this. It seems to me that this is their business model- to have a flawed/confusing reward system in the hopes that a large portion of people will not notice or will not take the time to have it corrected. It is not rocket science to have rewards accurately reflected on statements or, at worst, corrected in real time.
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
I have a mortgage with Washington Federal bank. I do not have any other account with them. I would like to make extra principal payments against my mortgage. I would like to make these extra principal payments online like I do all other payment transactions at other financial institutions. It is convenient and flexible with respect to timing and amount. 

Washington Federal does not allow making payments online against a mortgage account. I do n't understand how a large financial institution can not allow online payments. The only way I can pay down my mortgage principal is to mail in a cheque or to visit a branch. I feel that Washington Federal is purposely making it inconvenient to pay down my mortgage so that they can collect more interest.
Wells Fargo promised to collect {$300.00} Special Handling dept per XXXX to make XXXX consecutive minimum payments with the collections Department. When I call collections, {$350.00} is demanded. I advised of receipt of a letter from the executive dept stating min payment of {$300.00}. Collections connected me with special handling dept. A representative who barely spoke XXXX is telling me that XXXX is no longer with the company. No info regarding {$300.00}. 

I want to get on a hardship program. 

I was promised that if I make {$300.00} for 3 months in a row, special handling would give me the program. Now the collections just want to take a payment and not apply it to XXXX of the XXXX payments towards the program. I was lied to!!!
Chase failed to provide 45 day notice for increase in interest rate on card. I called them when I found out about the increase, from a third party credit monitoring source, and was told that they mailed a letter XX/XX/XXXX. This is not true as I received no letter from them in this regard.
I took advantage of the offer fro m Capital One to tr ansfer credit card balances over for 0 % interest for a period of time. The first transfer of {$8000.00} was to be interest free until  XX/XX/XXXX  ; and the second transfer of {$4000.00} was to be interest free until  XX/XX/XXXX . You only had to make their " interest saver '' payments to keep the 0 %. In  XX/XX/XXXX ,  Capital One star ted charging full interest on the balance that was to be set at 0 % even though I had made all of the interest saver payments. To do this, they increased the interest saver payment to the full balance knowing that most people are not able to pay. I had planned to pay the entire balance by the deadlines to keep the 0 %.
COLLECTOR KEEPS CALLING MY NUMBER XXXX OVER AND OVER AGAIN, WILL NOT VALIDATE OR CEASE AND DESIST. COLLECTING FROM XXXX XXXX XXXX, XXXX, AND HE DOES N'T LIVE HERE!
On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. 
XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. 
Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating that they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid. My current FICO score at XXXX is XXXX ( see attached copy of my score ). 
I do n't know who SageStream is or for that matter why anyone would try to use their service. You can only contact them by mail and they want hard copy documentation of Social Security Number, date of birth, driver 's license, address, etc. Given the way personal information is handled today, there is no way I intend to send that kind of sensitive information to some unknown entity. 
I do not believe that SageStream is providing accurate information to potential lenders and that they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. 
Since I was able to complete my transaction without any adverse consequences I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. 
I think CFPB to be aware of this company. They need to be looked into.