WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX morning, I made a deposit of my bi-weekly paycheck ( {$1500.00} issued by XXXX XXXX ) via Bank of America ATM to my checking account. 

The ATM receipt indicated that {$200.00} would be available for immediate use, and the rest will be available in the next business day. Given this information, I made two transfers from the checking account ( {$6.00} to my XXXX XXXX account at XXXX and {$10.00} my online saving account at XXXX ). 

The next thing I know is that they put on-hold on my deposited check, and withdrew {$35.00} per each transaction ( total {$70.00} ) for " insufficient '' fund from my checking account. I immediately wire transferred {$100.00} from my online saving to this checking account to avoid additional fees.
Here are my concerns : 1. I made my transactions within the range of available fund ( {$200.00} ) given the information they provided. What did I do wrong here?
2. As the BoA e-mail notification came after these transactions already occurred, I could n't cancel these transactions in advance and avoid {$70.00} fees. ( What made me really frustrating is that, as these two saving transactions were not time-constrained, I would have choose to wait until my check cleared had I learned/received notification in advance ).
3. I contacted Bank of America regarding this matter, but they replied to me with " copy & paste '' message.
4. I have been using this checking account for receiving my salary from the same employer for more than 10 months via direct deposit. It was my first time using the actual check to make the deposit from the same employer and I have no idea why they put on hold on my paycheck. The webpage said the details would be available but I could n't find the direct document regarding this situation.
I am trying to put a fraud alert due to recent data-breach with Equifax and so far no luck. Very un-ethical business operations from Equifax and they should be accountable as they allowed my XXXX data into bad-hands. Thank you.
Innovative XXXX XXXX has contacted me on a credit card debt in which they are trying to collect. I have received multiple calls from this company in which they state my name, my mailing address and advise that they are sending out immediate paper from the court county clerks office, If I dont answer the phone they contact relatives and if no answer this is a message that they leave on the answering machine services, they never disclose who they are when they call and they just repeatedly harass me over a debt that is past the 4 year statute of limitations in the state of california, I was able to locate who this company was by reverse look up of the phone number. I have never received any written correspondence from this company just harrasing phone calls. Everytime I speak with these individuals they say somethings coming and nothing ever does just using tactics to scare me.
I am complaining for the second time about the same issue : the Chase XXXX XXXX ( being marketing as a premier travel card ). Again, I discovered no auto payment was taken out. Again, I directly called customer service and was told I was OK - no payment due because my credits exceeded my purchases for the month. But this was precisely what caused Chase to threaten cancellation of my card prior. This time -aware of this issue I inquired directly again to customer support " Do I owe anything ''. The response a full 5 minutes later - after manual calculations on their end - was that nothing was owed. Again, looking online at my account, it is impossible to ascertain exactly the timing of credits and purchases to see if my credits are over my purchases for a particular time period. So Chase 's prior suggestions saying that a consumer should do that - is impossible as the online system does not provide the cycle timing to be able to compute this. In short, the consumer MUST rely on Customer service to tell them if a payment is due when the AutoPay has not gone through. Given that the purpose of utilizing AutoPay is to cover all payments due - Chase is putting consumers in an untenable position. It's not possible to tell exactly what is due because of the way they provide information online and their Customer Service people are responding with 'nothing is due. '' Secondly, again, as the card is being marketing as a premier travel card - sending notification via paper of card in errors - is disingenuous. They can do this of course, but if the consumer has elected email notifications - precisely because they travel - then the company is best advised to provide notifications in duplicate or triplicate or however they wish but certainly in the manner the frequent traveler has requested. Bottomline - Chase appears to be " tricking '' the customer into non-payment.
I have paid STP Management Group {$2200.00} for a debt that XXXX XXXX loan has no record of and now a XXXX company is calling ( very threatening ) to collect on this same debt.
i was a victim of fraud and equifax does not want to remove the fraudulent accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XX/XX/XXXX I was behind {$4600.00} and received a statement. Planet Home Lending continued to accept our monthly payments as I had informed them of a year end bonus I could use to catch up on payments. I was still in chapter XXXX at this time and did not receive any more statements from planet home lending until after XX/XX/XXXX. In XX/XX/XXXX I converted the Chapter XXXX to a Chapter XXXX. At that time Planet home lending sent me a notice dated XX/XX/XXXX that I was now {$15000.00} behind in payments. I immediately called to try and understand what had caused the payment to jump so high. I was informed by Planet Home Lending they had found record of some " missing payments '' it was not and has not been disclosed if it is related to the chapter XXXX. At this time Planet Home Lending refused to accept our regular payment, demanding the {$15000.00} at one lump sum. When I entered into Chapter XXXX in XXXX the amount behind was {$8000.00}. I remained in Chapter XXXX until all of the debt was made current and then converted to Chapter XXXX in XX/XX/XXXX. I have cashier checks issued from my bank with mortgage account number and Planet Home Lending Printed on the check as receipts for all of the payments made to Planet Home Lending from XXXX to XXXX. Also I have the form 1098 for all years from XXXX to XXXX showing that the payments were made and received by Planet Home Lending. So far Planet Home Lending will not provide a transcript of payments to show what payments were made and which were not. I will be forced to file Chapter XXXX again to save my house, hopefully this will reveal some kind of record of what payments are in question. Finding missing payments does not seem like a rational explanation from Planet Home Lending.
I am a victim of identity theft. The following accounts and credit inquiry is listed on my XXXX, XXXX  and Trans Union credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to me.
On Wednesday, XX/XX/XXXX I spoke with the XXXX department with XXXX. They indicated that an individual applied for a credit card with XXXX and used my name, XXXX XXXX, and my land line phone #, XXXX, and my previous address, XXXX XXXX XXXX XXXX, XXXX, XXXX, CO XXXX to apply for a credit card. The fraudulent information that was submitted was a wrong DL # and wrong SS #. Due to my conversation with the gal with XXXX XXXX Department ( XXXX ) the person who tried to get a credit card, their application was denied due to the fraudulent information provided. I am still very concerned about this, however. The credit inquiry on my Credit Report will remain for 90 days per the gal with XXXX. There is now a Fraud Alert with them as well as on my credit reports with all the Credit Bureaus. I did the Fraud Alert with the credit bureaus just about one hour ago. It 's now XXXX XXXX MT. There are a couple of other credit inquiries on my Credit report : XXXX XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX that are also Fraudulent. The one with XXXX, I previously reported in XX/XX/XXXX.  However, it still remains on my credit report and should have been removed after 90 day. Since I reported it, and it still is there, WHY? Thank you for all your attention in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXXXXXX
I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.
I have a family of XXXX with a XXXX wife. With threats of garishment of my wages and not being able to have my loans put on hold. Navient and XXXX has completely failed me. I can not afford to make payment and take care of a household at this current moment. The stress is so over the top is makes you want to run away. My loans through Navient started as XXXX {$4000.00} loans and now are over XXXX. Thats more than my income. They acall and pretend that they are from law offices or that they are detectives and to call back a XXXX number. They have called my wife 's cell phone several times in a day causing her stress she can not stress due to her XXXX XXXX They just applied the loans to my credit causing harm making us unable to get certainin loans that were needed to help pay bills. I pray that you can help in this situation against this horrible leech of a company. XXXX
I was asking for Loan Modification a nd Wellsfargos Mortgage Servicer was always sending me Pay off Qoute. The Loan I originated from t hem since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date . Wellsfargos pay  off valid through  XXXX   XXXX  have invalid descriptions such as  Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not valid expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Wellsfargos claim. Their Pay off Quote should be corrected in the right way. Wellsfargo is doing business with their mortgagor like me faulty and unlawful. I want Wellsfargo remove descriptions  that are not legal. They are obliging added invalid fees for me to pay them more that are not lawful.
XXXX was placed in my bankruptcy but it continuing to show as a debt on my credit report.
I had a chapter XXXX bankruptcy all arreage payments were made and current payments to the lender and were credited and current, during this time the bank was charging us extra fees. We made our current payments after we opted to transfer to a chapter XXXX to clear our other debt. The lender accepted these payments then sent our XX/XX/XXXX payment back and put a forclosure sale date on our home even though we were current. The bank will not speak with us we have been trying to communicate since XX/XX/XXXX when we found this out. We have the banks attorney and our attorney trying to get this straightened out. We have received 5 diffrent payoff requests from the lender that do not even match our balance, once again they will not communicate with me or my attorney. We have all documentation of payments made through our bankruptcy and my current payments that were accepted.They have now returned XX/XX/XXXX payment and have said we have not made payments since XXXX XXXX that were made through bankruptcy. Our reinstatement was paid in XX/XX/XXXX the court paid XX/XX/XXXX and XX/XX/XXXX payments we paid XX/XX/XXXX and XX/XX/XXXX.
After providing them with their own internal file number for me, TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS IL XXXX XXXX SVR XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXX # XXXX not mine XXXX XXXX # XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized TRANSUNION INTERACTIVE XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX CO XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
I requested income based repayment. I received a subsequent notice that my account was in deferment until XX/XX/XXXX16. Then on or about XXXX/XXXX/16, I received a notice that my payment of around {$460.00} was due on XXXX/XXXX/16. On XXXX/XXXX/16, I faxed a letter to Navient asking why the payment date changed, I received no notice and they did not consider my {$100.00} on another Navient managed loan or my exceptional health expenses. 

I received multiple responses from Navient indicated that they would respond within 10 days. I did not receive a response within 10 days. Rather on XXXX/XXXX/16, I received a notice that my payment was late and they were providing my notice of potential default. 

Essentially, Navient is disregarding my efforts to make payment arrangements, however they right on " the ball '' when it comes to ruining my credit. To make matters worse, they do not provide an email. The only way to communicate with them is to either fax them or call them. As an attorney, I avoid verbal communication at all cost because it always results in a he-said she-said.Of course they record it and use when it helps them, but when it does n't, they will deny the conversation.
Hi, I have a mortgage loan through SLS account # XXXX and I never can catch my mortgage with them from the start due to high interest rate. I 've been so far behind now I am at the point where I am going to loose my house. The only thing that is keeping from foreclosure is BK Chapter XXXX. I am really stressed out and I really do n't know what to do from here, The only thing I can think of is to request a loan modification. Hopefully this can help me keep the rate and principle down and avoid foreclosure. I never got the loan documentation and I am completely upside down. The lender never contacted me to start the loan modification or any type of assistance. I think my current rate is 9.5 % and I am so far behind with my current mortgage. 

Please see what you can do to help. 

Thank you.
Experian XXXX XXXX XXXX XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that Experian and XXXX are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from Experian and XXXX and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX , 60 days  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have an Executive Global Banking Account at Citibank. 
In XXXX XXXX, trying to use internet banking, I note that my account was blocked without any notice. Since then, I have call the bank several times and they always tell me that my account manager will call me back, but she never calls. At XXXX XXXX I spoke with my account manager assistant, who told me that the bank was " evaluating '' my account and the will let me know the conclusion shortly. Since then, I have send several emails to my account manager and her assistant without any response, but every month the bank charges me the management fees to my savings even when I cant make any financial operation with my money. Literally, the are stealing my money.
I depostited {$250.00} to a passbook savings account with TD Savings bank on XX/XX/2010 in the name of XXXX w/ XXXX and XXXX XXXX the day XXXX was born. I went to the bank last year to withdraw it. They said they did n't have it and they stated that they sent it to the State of Connecticut. I called the State of CT and the STATE said they do n't have it and asked the bank to supply the " line item info '' if it was in fact sent to them. I have been to the bank 2 times since. The bank manager takes copies of the passbook and states they will get back to me but they never do. It has been a year. Can you please help. I want my grandsons {$250.00} with interest
i have disputed an entry on a judgement listed on my credit report since    XXXX   XXXX  ,2017  and they have failed to respond back to in a timely manner, This issue is with a judgement ref #  XXXX . and I still hv not heard anthing back from them yet
Called to find out repayment options. Income is low and they will not lower my payments. Which means i can not or will not be able to pay amount and could go into default status.
XXXX keeps reporting an old credit inquiry on my credit bureau reports from the 4 major credit bureaus. This inquiry is fromXX/XX/XXXX.

This inquiry should be deleted from my credit files at the 4 bureaus, because it is so old. 

My credit score has gone down because of this outdated inquiry.
In the beginning of this year, I refinanced my house the mortgage agentdid the loan with XXXX XXXX. XXXX XXXX sold the loan toNationstar Mortgage. I received a letter telling me to send my payment toan address and a detachment portion. I am to send the detachment portionwith my payment. Which is what I did, however, I do n't know what theaddress was that I sent the payment to. But I sent them the payment onXX/XX/2015. For the next few weeks my check was n't cleared. I'mthinking the check was lost. In about the middle to the end of the month, I received a statement from Nationstar Mortgage informing me I owe themfor two months. No problem, I put a stop payment upon the check onXX/XX/2015. Then I paid them {$2300.00}, which paid them for XXXX paymentsof {$1100.00}, and provided {$32.00} left over to put upon my principal. Theyreceived that payment on XXXX/XXXX/15. Later XX/XX/XXXX, I receivedanother statement dated XXXX/XXXX/15, this statement informed me that the nextstatement was due on XXXX XXXX 2015, NOTE XXXX XXXX, 2015, NOT XX/XX/XXXX BUTXX/XX/2015. What am I supposed to think? I 'm thinking there is no Aprilpayment, I thought that until XXXX XXXX, 2015, when I received a call fromNationstar about where is my XX/XX/XXXX payment. I then sent them twopayments covering XX/XX/XXXX and XX/XX/XXXX. As per their policy, I sent them a copyof the confusing XX/XX/XXXX statement with the XX/XX/XXXX due date. I informed themthat it was their fault not mine and I expect NO PENALTIES. 
Guess what? I did receive penalties over {$100.00} in late fees, I have triedcustomer service if you can call it that. I received long wait only to be hungup on, the waits were about fifteen minutes to get someone, then I wouldbe transferred to someone else, with no one picking up. My desireresolution would be to at the minimum get rid of the penalties and XXXX, have Nationstar sell my paper to another company like XXXX, XXXX XXXX XXXX, XXXX XXXX, they would be fine. I really do n't want to deal withNationstar anymoreNationstar informing me
The University XXXX XXXX ( original creditor ) has been proven to be a fraudulent account, They have removed their negative markings, allow with the XXXX XXXX XXXX and literally four other 3rd party collection agencies because this account does not belong to me.
I received a letter dated X/X/17 and like all other accounts associated with XXXX, I have no knowledge of this account. Prior to filing this complaint I called the credit bureau and was informed that the original creditor XXXX company provided proof that the account was n't mine and deleted all files associated with it. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.
I have been monitoring my credit report ever since I was informed by my credit card company XXXX XXXX XXXX on XXXX XXXX, XXXX that I have been a victim of Identity Theft. Someone stole my personal information such as my name, date of birth and social security number to open several or numerous credit card accounts without my consent. The suspect has been committing the crime of theft under my name since XXXX XXXX. The suspect used a fake address of XXXX XXXX XXXX, XXXX California to obtain these credit cards. I had to dispute most or all of the fraudulent charges against me due to Identity Theft. I already filed a XXXX XXXX Police report on XXXX/XXXX/XXXX and placed a Fraud Alert and Security Freeze using XXXX Credit Bureaus such as XXXX, Experian and XXXX. On XXXX/XXXX/XXXX I sent Experian a XXXX XXXX Police report, my current California driver license, my social security card, my DMV bill and property tax bill in order to verify my real true identity. I do NOT know if Experian received these personal documents or the fact Experian loses items from customers. I already told Experian that I do NOT live in XXXX XXXX XXXX, XXXX, CA on several occasions. I told Experian that I have been living in XXXX XXXX, CA since XXXX. Experian insisted that I send them another copy of my driver license and other personal documents again. Experian still refused to assist me and failed to answer my phone calls by putting me on hold for over 30-45 minutes every time I called. I already sent Experian all my personal documents on XXXX/XXXX/XXXX. I just do n't know why or how Experian lost my documents. My identity has already been stolen and Experian lost my personal documents into the wrong hands of criminals. Experian refused to conduct a thorough investigation based on my requests. Experian refused to assist me.
I went to BMO Harris Bank located at XXXX XXXX XXXX, XXXX, KS XXXX to open a checking account. When I received my first statement I noticed the bank opened a credit line without my consent. I asked the bank to close the line of credit and so they mailed me a form to sign giving them consent to close the credit line. I brought the paperwork into the branch on XXXX/XXXX/2016 and was assured the line of credit would be closed. On XXXX/XXXX/2016 I noticed the line of credit was still open. I spoke to the branch manager and he told me the banker handling my account must be busy and he 'd talk to her about it the following week. Today is XXXX/XXXX/2016 and my line of credit remains open.