WillisBack/dataset-financial-user-claim huggingface dataset:
On Saturday, XXXX/XXXX/16, I deposited {$1100.00} in cash with an in-person teller at a Citizens Bank branch. I had reason to believe that these funds would be immediately available, but the funds did not post to the account until Monday, XXXX/XXXX/16. In the interim, I made transactions as I believed there were funds available. However, even on Monday morning, transactions were made that resulted in overdraft fees, even though the cash had been deposited the preceding Saturday. I accrued three overdraft fees, one of which was immediately waived by a Citizens Bank customer service rep. However, upon speaking to a Citizens Bank customer service supervisor, he claimed that the uncleared check deposit of {$480.00} resulted in these overdrafts. 
I performed the math more than once, and it did n't add up. Even with the transaction of {$200.00} made on Sunday evening to XXXX XXXX, I had reason to believe that I had funds available to clear these charges on Monday. The supervisor refused to waive these two additional fees of {$35.00} each. 
I expressed my disappointment and felt that it was unjust to charge these fees when I was under the impression that the funds were available. It is my belief that the cash funds of {$1100.00} deposited on Saturday, XXXX/XXXX/2016 should have been immediately available rather than cleared mid-day Monday. It has always been my impression that cash funds that are deposited in-person with a bank teller were immediately available to me to cover any transactions that follow. This is poor practice on the part of Citizens Bank, and I wish that they would be more understanding and diplomatic in regards to their overdraft fees.
I had a membership with XXXX XXXX. Their business was purchased by XXXX XXXX over XXXX years ago. I never received any notice from XXXX or XXXX that the business had been sold and that my account had been turned over the new gym. Some months later my credit card was charged {$150.00} by ABC financial. So I called ABC Financial and was told they handle the billing for XXXX and I have a membership there. I have never stepped foot in to a XXXX facility and have never signed any agreement with them. They tell me to call XXXX, I do, and XXXX tells me to call ABC. I call ABC Financial I told them that I did not have a membership at XXXX. I had XXXX at XXXX and never signed any agreement with XXXX and I wanted a refund which they refused. I told them to cancel my account. The next year they charged my credit card again. I called again and went through the same conversation. No refund, telling them I do not have an account and they say I do but they would cancel it now. This past year our credit card number had been changed so they can no longer charge it. They have been harassing me via telephone and email. I have called and spoken to XXXX different account reps who say they have taken care of it however, I am still getting emails. Now they are trying to charge late fees and telling me that if I do not respond within XXXX days in writing or pay the bill their office will take action. XXXX will not speak to you about billing at all.
first of all, I am not registering a complaint ( at least, not yet ). My XXXX year old son has been receiving pre approved credit cards for a few weeks ( thus far only XXXX have been received ). I am requesting information on how to prevent my children from receiving these, as I believe it exposes my children to potential identity theft.
Since XXXX I have been requesting the removal of a fraudulent address from my credit report and any accounts associated with the fraudulent address. With my most recent dispute, XX/XX/XXXX, I included a copy of my drivers license, ss card, letter from bank, utility bill and police report. Today I received letter from Experian dated XX/XX/XXXX, stating that they needed additional information which according to the letter, I included all of the requested information with my dispute. XX/XX/XXXX I contacted Experian via phone and spoke with XXXX from the fraud department and he informed me that they would not remove the fraudulent address because it is associated with an open account which i have also been disputing to no avail. They have also placed a statement on my credit report saying that I requested they put a fraud alert on my account which I did not. I am requesting the removal of the fraudulent address and any accounts associated with it. I am attaching the letter I sent to Experian as well as the police report and letter from bank. I will not attached my drivers license, ss card or utility bill.
False reporting by 2 creditors on my credit report, the creditors adds on my credit file that I am delinquent in making my payments more than 2 months, they have been doing this for the last 10 years and I have tried to get this corrected recently because I now have gotten myself on track with keeping my credit score fairly decent the past 2 or 3 years but it continues to go down because of false reporting! I have 2 accounts that are fraudulent reporting on my credit file. I need them removed ASAP but, I need some help in doing so! 

I have had this disputed to XXXX, XXXX  and XXXX and all was reported as accurate! All Lies!!!!!!
I 'm XXXX 2014 I purchased a XXXX XXXX my finance amount was XXXX which is ridiculous even with negative equity. Santander Consumer USA is a joke. I was never told this simple interest. I have paid on my loan since then and my amount has barely been touch what I owe. It 's impossible to get anywhere near what I owe. I contacted them numerous times because we had a financial hardship. I have been harassed at work and cell phone with calls. I contacted them and went higher up. I did a program and lowered my payment for 6 months. It was supposed to be automatically withdrawn. It was n't. I was told no fees or payments would be accessed. I have some chat transcripts and more dates. I think they should have to eat the car and the money. I would gladly give back to them.
If you are thinking about financing a vehicle. Run when you hear this name. SANTANDER! They are PREDATORY LENDERS! Look what they have done to my credit. They falsified XXXX out of XXXX over 30 day lates on my report to insure I could not get any other financing from any other lenders once I paid them off and hurt my chances of buying a home in the future. They want to insure they will be the only lender to once again lend me money so they can rip me off once again for the next 60 months! I am uploading XXXX of my XXXX XXXX credit reports on Santander Consumer USA. The first is my credit report 16 months ago. Notice only XXXX lates over 30 days. Now look at my credit report ( second photo ) showing all the 30 days lates now that never truly occured. I even have bank Statements showing they ACH debited my account on these XXXX falsified times way before any over 30 day lates could occur. These sharks know what their doing and I 'm sure i 'm not the only one they are doing this too!
complaint # 1 XX/XX/XXXX During the recession, I was unable to pay this account with American Express . The last payment was XX/XX/XXXX. The company and I have come to NO agreement or terms to settle this account nor have they offered to reopen in good standing. They have submitted reporting 5 years after last payment stating the account is closed and charged off as of XX/XX/XXXX. This is unfair to me and only reflects XXXX abusing the statute of limitations and 7 year consumer protection stating that any bad debt will drop off after 7 years. They are prolonging this by waiting 5 years to report. 

complaint # 2 Current XX/XX/XXXX XXXX erroneously and without my consent issued a payment plan that I had verbally declined on a phone call. I need recorder line records submitter by XXXX to prove I did not agree to these terms. I also never received the letter they attached to close the original complaint above. This account is well over the statute of limitations.
XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY
1 ) XXXX XXXX ( current provider ) Complaint 1 : I have been trying to get my loan payments qualified for the service loan forgiveness program past 3 years. I have worked for an XXXX XXXX from XX/XX/XXXX ( since XXXX school graduation ) to currently, and I have made no progress, spending hours of time that I dont have on the phone spending over 20 hours on the phone w different operators. These operators keep giving me different information to resolve issue but when I call back due to denial or just bc I have heard nothing for months, there has been NO change. They have my payslip, employer verification and W. They refuse to approve all of my payments due to transitioning from paid training fellowship physician to practicing attending physicians where the tax id number 's change since I am paid from different pockets of the same academic institution at the University of XXXX. Complaint 2 I have requested payment history from XXXX and XXXX XXXX  through XXXXmy loan payment information, and that this information should be obtained by my servicer. 

XXXX and XXXX XXXX ( ACS XXXX ) - I have requested 3 times for my student loan payment history so that I can prove that I have made payments to qualify for loan forgivenentss. I have requested my payment history through XXXX XXXX ( current servicer ) 2 times and independently by requesting it directly to each of them. I have received no payment history in the mail. As a result I have no proof of payments that I have made since XX/XX/XXXX to 1 ) count toward Loan Forgivement Payment Plan and 2 ) qualify for interest forgiveness program. 

XXXX : I was disqualified for the interest forgive program because my loans from Direct Loans ( currently ACS ) was changed to XXXX. I was provided no notice in written manner or via telephone. I was working about XXXX hours per week taking care of patients in XXXX. I was contacted by collection agency via phone who informed me that I was delinquent. This is how I found out that XXXX was my new provider. I made several phone calls and there was not a SINGLE person who informed me of the implications of interest on my student loans being capitalized versus forgiven due to this late payment. My interest was therefore NOT forgiven and interest capitalized in addition to the principle because I was FORCED into taking a forebearance. I did not even know that I was disqualified of this program with ballooned interest as a result of this mishap in which there was NO communication or notice given to me that my loan provider had been changed. 

employment XXXX : XX/XX/XXXX to XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX to present - University of XXXX ( XX/XX/XXXX-XX/XX/XXXX General Medical Education/ XX/XX/XXXX to present XXXX Hospital )
I received a notice from Bank of America : " On XXXX XXXX, your checking account will change to a Bank of America Advantage with Tiered Interest Checking account ''. 

In the new account monthly maintenance fees can be avoided by : " Keep an average daily balance of {$5000.00} or more in your checking or linked Regular savings account '' BUT when I inquired to Bank of America where on their website or statement the average daily balance was shown, I was told that this information was not available, but I could calculate it. 

My complaint is that Bank of America has created a criteria to avoid a fee but does not make the information available to the customer.
transunion lists my employment as " XXXX ''. I have never been employed as a XXXX.
Greetings, I received a phone call last month with a voicemail stating a credit collection company was calling to collect on a debt. I was pretty sure it was a scam because I know I owe nothing except a few credit cards I keep up on. I called to ask them not to call again and I knew it was a scam. She immediately knew my name from the number I dialed, she proceeded to ask if this was in fact my correct phone number, which it is/was. She then asked for my mailing address. At this point I stopped her and asked what this was regarding before I give out any more information. She asked me if I was represented by an attorney. In my quick thoughts, I thought this my be something to do with my divorce, which was completed in XX/XX/2018. I responded with " yes ', but quickly backtracked because my divorce is final and my attorney as since retired. I asked again what this was regarding. She told me I needed to have my attorney call to resolve this. I explained that A.my attorney is since retired and B. my name is attached to a collection and I have every right to know what this is. C. an attorney has an hourly price and I'm surely not going to hire an attorney at my expense to get something cleared that is my name. 
bottom line, she refused to give me ANY information. I have to assume this is a medical bill that my husband didn't pay and I'm on the hook. In any case, my hands are tied because they won't work with me. 
My credit will be destroyed due to this, if its not already. I have received no written letter, nor has my ex husband. 
Is this even legal? It seems extremely unfair. 
XXXX XXXX a compliance specialist with the Division of Financial Regulation, urged me to make contact with CFPB. 

The collection agency is XXXX XXXXXXXX XXXX. License XXXX/NMLS XXXX I hope you can help in some way? I really don't want this on my credit and I don't have the resources to get an attorney. 

Thank you kindly, XXXX XXXX
On XX/XX/2018 at XXXX I contacted Wells Fargo to revoke authorization of debits for the company XXXX XXXX XXXX because they didnt disclose all of the hidden fees with me. A Wells Fargo representative acted as if he was filing a claim and gave me a made up confirmation number. Well on today when I checked my account the company XXXX XXXX XXXX had debited XXXX once again after I submitted a letter to the company and after speaking with a Customer service at Wells Fargo.i spoke with the bank again today they apologize and submitted a claim for real this time but now Im without my money because of an employee who I trusted at Wells Fargo.
I have an XXXX XXXX Platinum card, and received an offer whereby I would receive XXXX XXXX XXXX for each person I referred for the same card upon them being approved. I referred my wife back in XXXX and she was approved instantly, but I have not received my XXXX points that were promised. The terms of the offer say it could take up to 10 weeks, but we are well past that now. I wrote to AMEX, and they said they would look into it, and the problem should be solved upon the next statement closing. My next statement has now closed, and I still have not received the XXXX referral bonus points. I would like the points deposited into my account as soon as possible.
Received a Collection Notice from : Credit Protection Association L.P . 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) in the amount of {$1000.00} for undisclosed services provided by XXXX with no specified date. 
I believe that the demand is fraudulent because I can not recall ever having had an account with them or XXXX ever providing me with a product or service.
Sent them a paid in full for delete letter for XXXX XXXX XXXX, they deleted it and then reinstated it dropping my score 40 points.
My husband XXXX XXXX passed away on XX/XX/XXXX. He used a Barclay credit card to pay his monthy fees to XXXX XXXX XXXX. On XX/XX/XXXX Barclay closed his account and sent his payments due to a collection agency. 

On XX/XX/XXXX I allowed a check of {$700.00} to a collection agency named XXXX XXXX XXXX XXXX XXXX to make a payment to Barclay Card to pay XXXX XXXX XXXX for fees due for XX/XX/XXXX and XX/XX/XXXX. 

As of this date, XXXX claims they never received any payment from Barclay for {$700.00}. When I spoke to Barclay they would give me no information but to say the account was closed with a XXXX balance and if I had a problem then I would have to call XXXX XXXX XXXX. 

When I spoke to XXXX XXXX XXXX they said they sent the money to Barclay. 

This has been going on since XX/XX/XXXX and at this time I can not book any time with XXXX and I can't OPT.. out of the program called Ovation until this bill is paid. PLEASE HELP!
I have previously disputed this debt as not belonging to me. I do not go to XXXX hospital and was not seen for this debt. I previously disputed this debt with the credit bureau 's and it was removed but it was re-applied soon after. I have tried multiple times to contact Transworld Systems only to have them hang up on me. I am never able to reach someone to discuss this situation. I get transferred then the phone call disconnects.
portfolio recovery continues to call my work phone at XXXX for an invalid debt & was told to stop. they also contact my home phone @ XXXX after being told repeatedly to stop. Under the fair debt collection act I do not want any further calls at either number. they also continue to use phone dialing voip systyms to contact me multiple times a day after being told to stop. they have also reported this adverse information which is untrue to credit agency 's. further abuse & further contact will result in filing a federal lawsuit. every call is now being recorded & entered into court documents.
XXXX is continuously re-aging the accounts on my credit report and Equifax continues to report credit account. per FCRA XXXX is in serious violation of repeatedly adding the account to my file. They are trying to ruin my credit score. XXXX IS CONTINUOUSLY RE-AGING THE ACCOUNT. THEY SHOULD BE FINED FOR THEIR ACTIONS PER FCRA
They sent me receipt that debt was paid but continue to call me stating the debt is not paid. When I sent them receipt that they sent me asking for explanation they now stated that my bank took back the money. This debt is paid in full and I don't owe them any more money but they continue to call me.
I had a hard time paying XXXX XXXX and got behind in payments so this went on my credit report but last year I had a bank levy for the loan of {$520.00} dollars and when I called the court officer the only thing he can tell me is that those fees went to a lawyer but he could not give me details
I received a letter from Immediate Credit Recovery stating I owe them {$74000.00} In student loans. I called XXXX The department that manages my student loans and they confirmed that I only have XXXX in student loans total. There is XXXX in interest. There are two problems here. 1. I do n't owe XXXX and there is another company already garnishing me for XXXX. Between the two companies they are taking XXXX every two weeks from my pay. That 's XXXX per month and XXXX in the 2 months that have 3 pay dates. How can two different collection agencies garnish you for the same money. Immediate Credit Recovery has also reported double loans to the credit bureau so that now it looks like i have twice the loans in default than I actually have. My credit is bad enough without it doubling up on default payments. i spoke with them back in XXXX about lowering the garnishment amount and they refused. I made arrangements to make payments from my credit card but they have not been taking the payments. I have called and got put through to a voicemail box and no return call. They have no problem calling me 19 times a day when I 'm at work or in bed, but when I call them with a problem I get no response.
My husband and I have XXXX insurance ( XXXX XXXX XXXX, and XXXX ) I went to the hospital XXXX for a XXXX insurance was billed. I paid my {$100.00} deductible at the hospital, never heard anymore about this bill until recently ( XX/XX/XXXX ) when I had a credit report change alert ( someone applied for a XXXX ) while I was reviewing my credit report I noticed a {$510.00} medical bill. I inquired about it and was told " It was sold to us in XX/XX/XXXX and we will report it every month on your credit report until it is paid. '' I was not aware of this bill. I am very upset about this, this Pro Collect XXXX
Un reporting school loans and loans n names and home addresses that do n't belong to me that 's showing up on my credit report that i did that do myself or approve of being done. I believe someone else is using my name and social security number misspelling my name and birthdate at different states and addresses and has been using it to get all lunes of loans and other this in my name. I believe they been doing it for years and im just now noticing all the different loans and debit that has been done on my credit reports.
Thank you for taking the time to read this and for hearing all of our concerns. Your work is appreciated. 

I attended XXXX XXXX while serving in the XXXX. This would 've been in XXXX, VA around the year 2000. I was using the XXXX XXXX which was a confusing nightmare at the time. 

Approximately 3 - 4 months in, I receive a letter stating I owe money for student loans. XXXX financial aid tells me I did n't send the form which was due every quarter, or half. I forget the timeline. Either way, I was never given any notice of this form and had no recollection discussing it. 

I say I can turn it in now. Financial aid office says their hands are tied. I say there was poor contact on their behalf, surely they can accept a form week late due to an admin error or something, right? No. Give us {$5000.00}. That has grown to something like {$12000.00} now. 

So now I 'm dealing with FedLoan Servicing. I guess they 're with Department of Education? They 've been relentless trying to collect using different vendors, or changing their own face over the years. 

It 's been a ridiculous fight against this loan for 15 years. We approved all the XXXX XXXX paperwork, and they say I do n't need to give them anything else. I deal with schools and financial institutes in my workplace, they always have some type of waiver. 

It 's not right being charged so viciously when I was under the impression XXXX XXXX had it covered. I do n't know if this should go to Department of Education or XXXX. XXXX of them needs to grandfather the form in. We can do better than this.
94 % interest rate since XXXX I have paid {$4400.00} in interest on a {$6500.00} loan with a large origination fee with a payoff amount of {$6900.00}
Quicken Loans charged a bogus attorney fee by calling the fee item as " Advances On Your Behalf ''. Actually Quicken Loans has never and ever notified me about the fee or had my agreement in advanced.
I reported this to equifax before that my last name in my credit report is reporting wrongly as XXXX. I never had formerly name XXXX. My correct last name is XXXX. I submitted my social security card and passport biographic page that has my correct information and it was correct and it reappear again.