WillisBack/dataset-financial-user-claim huggingface dataset:
TD Bank 's stated policy is as follows " For personal checking accounts and money market accounts with check access : When possible, transactions are processed in order of date and time, most closely reflecting the order in which you transacted. 
They appear in your Account History in the same order that they occurred, beginning with the most recent. 
These transactions then impact your Today 's Beginning Balance in the morning, when overnight processing completes. '' TD bank however does NOT follow this stated policy when it comes to direct deposits for payroll. Typically, employers release payroll direct deposits to the respective banks at least 2 days prior to the actual payday. If TD Bank is following their above stated policy, then they should process those direct deposits in order on the date and time they are actually received. TD Bank does not do this .... They HOLD those deposits for as long as 2 days until the actual payday. This is in direct contradiction to their stated policy of processing in order on the date and time received, and only serves to enrich TD Bank with additional overdraft fees when other transactions are processed ahead of the direct deposit that they are holding, even though they in fact have received the funds. 

This is harmful to consumers.
On XX/XX/2018, I discovered a negative account XXXX XXXX XXXX XXXX XXXX XXXX for {$78.00} had been re inserted into my credit file. Company is required to notify me within 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
XXXX XXXX XXXX XXXX has been taking money directly out of my work check for several years but they have been reporting to the credit bureaus late payment history and it's hurting my credit rating.
Hello, Setursus mortgage lender took over my mortgage from XXXX XXXX XXXX and we have had problems with our payments going up because of our insurance, we purchased our own insurance where we have our car insurance, seturus was contacted from our agent and was told we will not be paying our insurance through them that it will be bank drafted through our personal banking account because my insurance agent and I had already had this taken care of, they were faxed the declaration by my agent and I also faxed it myself just to insure they received it. Seturus writes a check to my insurance company for a year payment over drafting my escrow account and still raising my payments after being told that we have our own house insurance.
A collection agency named " Focus Financial Service '' also known as or or reporting under the name of " Palm Beach Credit Adjustment '' ( which they use BOTH names to report the same account with different agencies ) had reported to the XXXX credit bureaus an account that I had with " XXXX Hospital, XXXX XXXX '' since XXXX XXXX, XXXX. I had disputed the account online with TransUnion before which they eventually closed the account ( Or had it under " Closed Collection Status '' ). 
On XXXX XXXX, XXXX I had contacted " Focus Financial Services '' through Registered Mail asking them to Validate the debt, & to provide me with any documentation that I had signed as an agreement that I owed the hospital that bill, & some other information detailed in the letter, after 2 days they responded to me with a " Detailed Medical Bill & Statement '' showing all the " Medical Procedures '' that was done to me, which I assume it was confidential, but somehow they have it. They did n't answer any of my other questions which are detailed in my letter to them and the letter is attached to this complaint, I had also asked them to cease & desist all collection & reporting actions until I verify the account and finish my investigation. 
2 days after their response to me, they Reopened the " Closed Account '' with XXXX, & Refreshed their reporting to all XXXX agencies as of XXXX/XXXX/XXXX with a new amount of {$1.00} less than what I owe ( Original Amount was {$10000.00}, New Amount is {$10000.00} ). I had also sent them a second letter on XX/XX/XXXX right before I noticed that they refreshed the status of the reporting on all XXXX agencies asking them why they did n't comply with my request of answering the rest of my questions, and to provide all missing information, then I noticed the change in my credit file, and that 's when I decided to file this complaint of them violating my rights to a fair review of the account, and my confidential " Medical Information ''.
Opened a {$12000.00} Care Credit account with GE Capital Retail Bank on XX/XX/2015 for XXXX at the XXXX XXXX XXXX XXXX, which I though was interest free. I had auto-payment withdrawals from my checking account for 2-years. Last couple months I noticed my bank statements went way up, so I contacted Synchrony Bank XX/XX/2015, finally was transferred to a Manager, XXXX, ID # XXXX, and was told that my 24-month promotional period expired XX/XX/2015, and I was charged accured interest of 26.99 % of {$6200.00} on top of my principal balance of {$5400.00}, and my account is now {$11000.00} at interest rate of 26.99 %. After a long heated discussion, I offered to pay the principal immediately, but they offered no help, no options.
SEVERAL ADDRESSES SHOW ON MY REPORT BUT ONE OF THEM IS NOT MINE. I HAVE NEVER LIVED ON " XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' THIS ADDRESS NEEDS TO BE REMOVED. PLEASE INVERSTIGATE AND REMOVE ACCORDINGLY
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
There was a Discover Credit that was Fraudulently open in my name. I tried to resolve it directly with Discover but they would not remove it! I then disputed this account with XXXX, XXXX and XXXX. XXXX  and XXXX removed this account of my Credit Record with them but XXXX would not. I provided an Identity Theft Police Report and and an FTC Report to all 3 Credit Bureaus but only XXXX XXXX would not consider them. Please help me get this Fraudulent Account off my Record with all 3 Credit Bureaus, not just 2. I DON'T HAVE AN ACCOUNT NUMBER FOR THIS DISCOVER FRAUDULENT ACCOUNT. MY Social Security # is XXXX. You can provide Discover with my Social #.
I doubt this will ever be resolved in my favor, but I 'm willing to explore all possibilities. And if nothing else, maybe my story can warn other consumers who are about to go on California state XXXX. 

Bank of America debit cards are used by California 's XXXX Department in place of XXXX checks : the state sends pre-loaded debit cards to workers out on XXXX leave. I was one of those workers receiving a XXXX benefit after XXXX last year. After my leave was finished and I returned to full-time employment, I was unhappy to learn that my card number had been used by someone other than me and that my card had a zero balance. The number had been used on several occasions, some of which occurred when I was at my office, and there were charges of close to {$500.00} at several XXXX locations within the space of XXXX hours on opposite ends of XXXX XXXX County. These took place on a Sunday when I was at home. 

As the card had never been out of my possession, it was obvious this was a case of fraud. But proving that to B of A has been impossible. I immediately contacted California XXXX, I filed a report with B of A 's Fraud Department, as well as one with the XXXX XXXX County sheriff 's department, and I also contacted each store 's security team. The security staff at one XXXX location, where many of the purchases were made, let me know that they reviewed the recorded footage where the transactions were supposed to have occurred. The register was n't in use at that time. Quite literally, no one was there. While the staff was baffled and concerned, there was nothing they could do. 

Of course, the state of California will not re-imburse me for the stolen " cash. '' B of A insists that these purchases at XXXX were " valid transactions. '' The people with whom I spoke in the bank 's Fraud Dept. told me they hear these stories frequently, and that there was nothing they could do. 

I am SURE I am not the only person on XXXX who has experienced this. There must be hundreds of people being victimized like this at any XXXX time. Obviously this system does n't work real well! But here 's the thing : {$500.00} is not going to break me. But for some older, unwell person who is depending on that money, {$500.00} could mean the difference between eating and starving, or living under a roof as opposed to living in one 's vehicle. 

Friends and co-workers who have been on state XXXX tell me the only way to beat the crooks is to withdraw every cent on that debit card the moment it is issued. I now understand this, but I am appalled that the state of California, knowing that this is flawed system, continues to utilize it. In no way does this practice help the people who are supposed to be getting benefits. And shame on B of A for refusing to help a consumer who has gone out of her way over the course of several weeks to gather evidence, file reports and do all the legwork. This lax attitude is the reason this bank is now on my list of institutions with whom I 'll never do business.
On XX/XX/2018, I was paying some bills including two of my Bank of Americas. I noticed on the site that only three of them were present, so I immediately called them to see what happened and they told me all six of my accounts were closed. A few weeks before I payed off some of them by doing a balance transfer. Most now have a XXXX  balance. They couldn't give me any information but mentioned a certain department to contact. The Specialties account review unit. All of my accounts are in good standing I've never had any late payments. In the past, I've had to complain about customer service. I told them I've been with a company to work on my credit score.
XX/XX/2018 ... An application for XXXX was requested. This.was not me ... please take off my credit report.
I HAVE SENT NUMEROUS NOTARIZED AND CERTIFIED AFFADAVIT TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNT UNDER THE BANKRUPTCY I SENT CERTIFIED LETTER TO THE COURTHOUSE IN REGARDS TO IF THE COURT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES SUCH AS XXXX  XXXX AND EXPERIAN AND THEY WROTE ME BACK SAYING THE COURT DOES NOT PROVIDE ANY INFORMATION TO CREDIT REPORTING AGENCIES THESE AGENCIES OBTAIN THEIR INFORMATION THROUGH PUBLICLY AVAILABLE MEANS EVEN THOU THE LIE AND SAY THAT ITS HAS BEEN VERIFIED THAT GOES AGAINST THE FCRA THEY ARE LIARS SAYING THEY VERIFIED THE LETTER SENT BACK FROM THE COURT HOUSE SAYS THEY DO NOT PROVIDE ANY INFO
Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, XXXX, and Equifax.
I already told them I have no money and they need to stop, calling, harassing me. I have told them 3 times to take me off their call list and they just keep saying it takes 24 hours, I told them that 's fine just take me off. They threaten it will go into collects and on my credit report so I told them to let it because I have no money, but they repeatedly and continuously keep calling. They, a female & male representative start yelling and saying I have to pay something. I 'm barely making in paycheck to paycheck I have no extra money. I 've already told them multiple times when & if I get extra money I will call them, but they refuse. XXXX XXXX XXXX. They call me EVERYDAY ... 3-5 times a day throughout the day & evening. Diversify Consultants. I loose sleep and get awakened from sleep because they refuse to stop calling. This has been going on for well over 6 months now.
On XXXX/XXXX/XXXX I received a BANCO 'S POPULAR check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. 
PLEASE.. I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After XXXX XXXX XXXX accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX XXXX and asked them to call their Bank XXXX XXXX to search for that check so they e mailed me that the check was cashed and they cant help me anymore. XXXX XXXX stated that they cant research this check because I am not their customer. XXXX have searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in XXXX! 
Can someone contact banco popular and see who did they pay this check to?
I was charged over {$15000.00} in bank fees in 3 months. My cash deposits were held as pending and fees accumulated due to the timing of the deposits. Holding deposits caused negative balances, NSF checks and many bounced check fees. A detailed review of my account listed the time of many transactions as " time not available ''. 

My account was set up for XXXX transactions. All transactions over XXXX are charged {$1.00} per transaction. I made several requests to have my account changed to an account that would accommodate more transactions, but the account was never changed. In one month I had XXXX transactions. 
Information about my account was provided to third parties without my consent, which proved damaging to my reputation. 
Requests for reimbursement of the fees were ignored and then finally denied with out any explanation.
Ocwen has been sending foreclosures and adding deceptive fees and not accepting payment and then putting me on a foreclosure notice.
XXXX XXXX XXXX is performing fraudulent debt collection on a debt that was paid in full. The item under issue is a parking ticket which was paid in full, the debt collection agency can not verify this debt and added ridiculous penalty charges to the debt. They have not given me debt verification documents.
I applied to Amex personal and business with a solid credit score they advised me I was approved and when I got into deeper conversation about what I do to help XXXX rights she put me on hold and declined the applications on file.
I started receiving calls about debit collection, i am never left a voice mail more then a few sec. 

the company calling would get a better response if they just left a voice mail with who to contact. 

this is harassment and should stop, in no way will the calls made at this time collect any debit as i do not even know who this is and they will not disclose any information and i have no income.
I recently submitted a request for investigation of a XXXX Acct XXXX # XXXX, which yXXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your XXXX system, they would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter,
I applied for a Discover Secured Card. I was denied based on " Status of existing or prior Discover Card Account ''. When I contacted Discover, I was advised that my previous card was not closed, as reported to the CRBs, but REVOKED. I asked why, and was told that the revoked card was due to a delinquency from another card ( XXXX ), which was an error on my credit report and has since been removed. Discover said that even though the previous account was closed due to the error, they will NOT remove that status, and with that Revoked status, I am denied credit. 

So essentially the error is still a factor in my application and I am being denied credit because Discover is using information from a 2015 credit report that contains an error instead of using the updated report which has no derogatory information. 

I believe this is in contravention of the Fair Credit Reporting Act. Discover is basing a decision to deny credit using outdated information and is refusing to use current data. 

I have requested that Discover reconsider using current information, and was told because of the derogatory notation, " at that point in time '' ( 2015 ), my application would NOT go forward.
On XX/XX/2017 I went to BB & T bank to open a new checking account. I asked numerous times throughout the process while opening an account they did a HARD credit inquiry. I was told over and over that they do not perform a HARD inquiry and to stay rest assured if one did show up I could come back and have it removed. 

I ended up opening the checking account. A month later, I checked my credit report and sure enough on XXXX it says HARD INQUIRY " Bb & t Inquiry from XX/XX/2017 ''. 

I went back to the Manager of this bank and he said it should not have happened and they would investigate and someone would call me back. I did receive a phone call back from one of their departments and they told me there is nothing I can do about it. 

I never signed anything for them to do a hard inquiry and was lied to. This is a deceptive business practice. I would have never opened an account with BB & T if I knew there was a hard inquiry. They knew this as i made it very clear by asking multiple times if I would get a hard hit on my credit report. And I was lied to. 

I want this unauthorized inquiry removed from my credit report. 

I also would like to see BB & T issue a training memo to anyone employee that can open a checking account that requires them to inform customers that a hard credit inquiry will happen if this type of account is opened. And a disclosure form should be given to the customer explaining what this means. 

My ultimate goal is for BB & T to admit they were wrong and I was lied to. Take responsibility and remove my hard credit inquiry from my Credit reports.
Hello, on XX/XX/XXXX I made a payment to XXXX XXXX for {$1000.00} using my new PNC Cash Rewards card. The purchase was meant to meet the {$1000.00} requirement within the first 3 billing cycles to receive a {$100.00} cash back rewards offer. I also assumed that the {$1000.00} would get a 1 % kickback ( on normal rewards ). I noticed that the rewards had n't posted to my account, so I called PNC. A representative advised that my {$1000.00} purchase did n't qualify for the rewards, which I contested. I was then sent to a supervisor, who also refused to work with me. When I mentioned that I was going to file a CFPB complaint, he escalated me to XXXX in the escalations department. XXXX advised me that he would advocate on my behalf and work towards making an " exception '' for my {$1000.00} purchase ( he made no promises ). He also gave me his phone number, XXXX, and told me he would follow up with me shortly. Well, it 's 15 days later, XX/XX/XXXX, and I have n't heard back. I 've called him several times and left him several messages, and have not received a return call. My {$100.00} reward still has not posted. I 've used other cards for a similar purchase and have never had an issue in the past. I read the terms for the rewards and my purchase does not fall under any restrictions. PNC has their merchant code flagged incorrectly. All around, this has been a very bad experience with PNC.
After multiple requests to cancel pmi, Wells Fargo refuses to act. Our home mortgage is less than XXXX % LTV of original purchase price and original loan prior to streamline refinance was originated in 2004. Wells Fargo is also unwilling to allow a new appraisal.
bank america closed out the wrong account when changing my sole prop to a LLC which caused 3 to 5 return checks XXXX  was a company that took one of the checks they closed my account b/c of bank of America error Now XXXX refuse to reopen the account Can you tell me how is this fair?
Green Tree Financial somehow got XXXX Loan AFTER bankruptcy ( 2009 ) and has REFUSED TO REMOVE IT FROM MY CREDIT REPORT. The Credit Bureaus REFUSE to remove this information as well. I 've sent Certified Mail several times. The " non-payment '' history is impacting my credit negatively.
I sent a debt validation letter to XXXX XXXX XXXX XXXX to validate the debt they say that I owe on four accounts. I sent the letter certified on XXXX XXXX.2017. I gave them 30 days to respond to my request.They have failed to validate the debt. I have a copy of the letter that was sent to them that was received by someone in their office.