WillisBack/dataset-financial-user-claim huggingface dataset:
I have documentation that shows that US Bank would not charge a Returned Item Fee nor an Overdraft Fee on my account ( Number XXXX ). When a withdrawal or other debit came in and there were non-sufficient funds, the payment was returned, without charging any fees, unless the resulting overdraft amount was negligible ( This occurred seven times between XX/XX/XXXX and XX/XX/XXXX on the old account as shown by notices received in the mail attached herein ). 
On XX/XX/XXXX, I opened a new account at US Bank ( XXXX XXXX ). On XX/XX/XXXX, an overdraft fee was charged, and a few days later two other payments were returned, one other was returned and more fees were added. The Bank has failed to provide satisfactorily explanation of this change in policy. At the time of opening the new account, I was not given any notice or warning that new rules would apply. The Bank keeps adding extended overdraft fees. 
In my perception, the bank should have not honored any payments that were underfunded nor charged any fees for overdraft nor returned items because US Bank created a reasonable expectation through consistent behavior upon which reliance was reasonable. The Bank should bring the account to XXXX balance at its own expense. Further, the bank should refrain form a threatened charge off or any other report that will harm my credit history.
On XXXX/XXXX/XXXX I received the very first call regarding this matter from XXXX Billing Department described as a " courtesy call '' at approximately XXXX XXXX. I was told I had a bill of approximately {$90.00} dollars. I was shocked at the time of call and because I was asked for verifying information, i.e, my address, I did not feel comfortable disclosing personal information as I thought it might be a fraudulent call. I called the number back after the new year to confirm it was indeed XXXX and left a detailed message explaining what had happened and asked for a return call. Thereafter, I had several conversations with XXXX, continued to receive calls late at night, and returned every call made to me. I pointed out the inappropriate hour, indicated that these calls were bordering on harassment, repeatedly asked for the bill to be mailed to me, confirmed my address twice, and to this date have never received a direct bill from XXXX. Instead, I received a communication from a collection agency, Credit Control Corporation ( see attachment XXXX ). On XXXX/XXXX/XXXX I spoke with XXXX XXXX at Credit Control Corporation ( CCC ), explained what I have just written above, and asked again to receive a bill. I received the bill from CCC ( see attachment XXXX ), spoke with XXXX XXXX and have paid this bill today, XXXX/XXXX/XXXX. However, it is the first time I see a bill in this amount. After reviewing my scanned healthcare bills from XXXX, I located an original bill for the XXXX XXXX ( see attachment XXXX ), which is what this current matter appears to be referencing. However, I notice the amounts are significantly different. The original bill received was for a total of {$310.00} and my corresponding co-pay was {$18.00}, which was paid. I received a duplicate bill and replied to XXXX indicating as much and provided proof of payment ( see attachment XXXX ). ( Note : This is not the first duplicate bill I receive from XXXX, which in my opinion is indicative of aggressive practices. ) The service date on the original bill and that received from collections is the same ; XXXX/XXXX/XXXX and the reference number for the XXXX is XXXX. The amount on the bill received from XXXX is {$2500.00} for the reference number XXXX ( note the last XXXX digits are identical ). My co-pay was {$99.00} and because I paid via credit card today ( XXXX/XXXX/XXXX ) via CCC I was charged an additional {$7.00} by CCC as a credit card convenience fee. 

Therefore, it appears that there is discrepancy in billing and possibly a duplicate, highly inflated bill for an XXXX that was already billed and paid. If this evidence confirms this action, I am asking that my co-pay of {$99.00} be returned as well as the {$7.00} credit card convenience fee for a total of {$100.00}. My insurance should also be reimbursed the {$2400.00} it paid. 

In addition, XXXX 's practice of calling at XXXX XXXX. needs to be restricted to regular business hours and it is exceedingly poor business practice to not send clients their bills and proceed to collections. XXXX must assume responsibility, provide a written letter of apology, and correct this error.
XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX  that our debt was paid in full and XXXX XXXX   seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and  prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.
This was charged off in 1997, it keeps getting bought again and this starts ... it was originally a truck repossesed from me and not for late payments. I was repossesed because they said I might move back to alaska. They would not let me even get my wallet or anything. Even so this should be long gone it is XXXX years old. This is atleast the XXXX outfit to try this ... this was an original shady deal, i owed under XXXX and was making my payments. I had XXXX small kids at the time and have after talking to original lender, decided not to ever pay it. By the same token they cant call all the rest of my life ... 7 years .... that has come and gone!
I took out a couple of loans for medical/health concerns with CARECREDIT / SYNCHRONY BANK ( XXXX ) in XXXX and have been paying steadily for XXXX year. The loan decreased from over {$8000.00} to over {$6000.00}. I focused on paying this debt down in XXXX and so let other pressing medical needs slide. In XX/XX/XXXX, I nearly fell over when I saw that CARECREDIT / SYNCHRONY BANK had charged me nearly {$2000.00} in interest charges - charges that exceeded the amount of my initial loan, even though I was paying each and every month and had not taken out any additional loans! This should be considered criminal usury in every state, district and commmonwealth in the United States. How can any Attorney General allow any bank to charge interest that puts the person back into a position where it seems that they never even paid one cent for over one year, much less here where the bank puts the person in an even worse position by charging so much interest that it exceeds the initial loan amount?? Such predatory tactics should never go unchallenged! I was actually thankful that I had this as a resource until I realized CARECREDIT / SYNCHRONY BANK put various mafias to shame with their usurious rates!
I requested XXXX to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX  complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised XXXX  upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. XXXX  's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with Transunion and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.
PayPal limited my account and then closed it within 24 hours without providing any documentation for why they are closing the account. They are also holding my funds ( $ {$650.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account.
My name is XXXX XXXX XXXX, and I have three ( 3 ) mortgages on my property. I am current with the first mortgage, but I had to take a job making less money and I could no longer afford the 2nd and 3rd mortgage. I am in the process of selling the home as I am now struggling to pay the first mortgage. I have an offer that will pay the first mortgage in full and the second mortgage has consented to take $ XXXX, the third mortgage which has been charged off since XXXX and is now in the recovery department wants $ XXXX when on XXXX XXXX, XXXX my short sale representative spoke to XXXX XXXX w/ Regions Bank and he stated that he can make {$7800.00} work. I can not believe that these people will push me into a foreclosure situation. I could file bankruptcy and get rid of them all together, but I do have a sense of honor and I need to pay them something. The bank will not allow me to pay them $ XXXX simply because they are in 3rd position and this is a HELOC. The senior lien holder will not allow me to pay the junior lien holder more than $ 9K and they are both with XXXX. Please HELP. This lender is being unreasonable and they are trying to force me into foreclosure or bankruptcy.
Midland Funding is illegally reporting a re-aged charged off account on all XXXX of my credit reports. I disputed this information with Equifax credit bureau and they informed me that Midland Funding verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.
First off I pay my belk and amazon payments on time, however the bank lendholder for the companys is Synchrony. After they decided to check my credit which is lower now because of more debt they decrease the credit limit and up the payments.. I did not ask for an increase in credit. I always paid them on time. Now they called constantly and even called every Sunday morning at XXXX. Now they have my account as late because I 'm not able to make the amount they have not set as the lowest payment. So I pay what I can until I can pay it off. This all happen in one month back in XXXX 2016.
It has been brought to my attention that I have a XXXX XXXX XXXX account opened in XX/XX/2017 in my name. The card numbers in XXXX and XXXX. These are accounts are not mine.
I graduated from XXXX University XXXX XXXX. Like many others, my family was not able to pay for my college education, and we were left with no other choice but to borrow the funds needed to send me to college. My step father, is the hardest working man that I 've ever met. He is a XXXX, and is soon to retire due to physical limitations ( with little to no XXXX due to the recession ) .When my dad and I took out this loan, the original balance in XXXX was {$27000.00}. Approximately in XXXX, when the loan was serviced by XXXX, both of my parents were hit by the down economy ; my mom lost her job and my dad 's hours were cut to part time. This was a devastating time for my mom and dad who were struggling keep the lights on and food on the table, let alone pay a {$400.00} a month student loan bill. Meanwhile, I was just out of college working at a XXXX making {$8.00} an hour. Needless to say, without any other choice, my family defaulted on this loan. It destroyed my dad 's and my credit scores which has taken me over ten years to rebuild. I had a few other student loans that I was able to consolidate with the US. Department of Education ( XXXX ) with a reasonable interest rate and an affordable payment. However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task. Here is where we are now feeling the affect. After we completed the repay plan and got the loan brought current, XXXX then capitalized the 2+ years of delinquent interest, fees, late charges, etc. back into the loan amount. The balance after the recapitalization was well over {$40000.00}! We have been current on this loan for the last several years paying {$410.00} a month. I feel that this loan is nothing less than predatory. It is now twelve years after the loan was originally issued and I do not see how I will be able to pay this loan off. Every extra dollar that I have goes towards this loan which takes things away from my daughter and my wife which is not fair, and I do not think that should be the penalty of wanting to obtain higher education. 
My parents are now over XXXX and my mother 's health is deteriorating. She will be forced to retire from work soon ( with no XXXX due to cashing it out during the recession ). My dad can not afford to assist me on this loan, and he as well will not be able to work much longer due to physical restrictions. I will ultimately default without your assistance in restructuring my balance.
Filed a Dispute with Experian in regards to a account being reported as a late charge off on my credit report incorrectly. Experian Report Number XXXX results determined that no changes would be made to the account and continues to report as unpaid and late and it has been paid in full. Please remove from my credit report.
Tried contacting the credit collection agency, they never responded. I tried contacting Experian and XXXX and they still will not correct this error on my credit reports.
On XX/XX/2018 I called trans union at XXXX I spoke with a representative but they were not able to help me out I was a victim inquiry System when Trans Union deleted inquiries off of Ppls report and then added them back not doing it the right way I was a victim so when I spoke to the representative I named the increase that was on my report that I want it removed XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX/apt owner, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ... ... .... The representative was not able to help me kept saying he did not know what I was talking about I will like all the inquiries Removed from my credit file
They will not send me my whole private loan payment history. On the website just has the past year, I have requested this ledger several time and receive no response.
I currently bank with Citibank and have a secured card with them. I always had automatic billing set up to prevent any missed or late payments. However once applying for a mortgage loan the Citibank secured credit card account reflected 4 late payments which is inaccurate. The representative I spoke advised me to pay the account in full and they would remove the late payments showing on my credit report. The representative took payment from me and then said he was transferring me to a supervisor so they could remove the late charges from my account. I was continuously hung up on for 3.5 hours never the getting the issue resolved. These late payments reflected are completely inaccurate and need to be removed from my account and updated with the credit bureau immediately.
I contacted Ally about my auto loan being rewritten. At that time I was informed if I rewrote the loan my next payment would not be due until XX/XX/XXXX. I received no collection calls. Therefore I was under the impression that my loan was in a rewrite status. Ally reported my payment as late while they rewrote the loan, requested info from me by XXXX, and completed the loan process. When all was finalized I found out the credit reports were made.
I have had several inquires on my credit file that are not mine, obviously they are fraud! I called the companies to have them removed with no results. I have also contacted the XXXX customer service dept and they keep telling me, they do not investigate these matters without a police report. I have tried calling the police where the inquires originated, unfortunately they say I need to be in their state to report this in person. I have seen my credit drop over 100 points because of this fraud action against me. I need some assistance at this point.
I obtained a loan for the purchase of my home through Citizen 's Bank. I was initially told verbally I would have no points associated with my loan. On documentation ( commitment letter ) leading up to the closing I had points listed. I had contacted the mortgage company stating they had previously stated I would have no points which they again verbally confirmed and I had them confirm via email as well. On my closing date, XX/XX/2016, while reviewing my closing cost details with my attorney, under the heading " Loan costs '' was a charge of {$260.00} labeled " 0.125 % of loan amount ( points ) ''. My attorney contacted my mortgage broker, XXXX XXXX, who stated it was an error which they would rectify via check after closing. My attorney advised to continue with the closing versus correcting the documentation first because we were already 3-4 weeks past the initial closing date. Three months later, and i 've been told for the past 1-2 months the " check is being processed ''. I was advised by my attorney to file a complaint. This is my formal complaint.
XXXX Hospital fraudulently claimed outpatient XXXX XXXX as Inpatient Services with my Insurer, resulting in a {$600.00} deductible owed, when contacted by myself and XXXX XXXX XXXX stated the account would be taken care of. In XX/XX/XXXX2017 XXXX XXXX notified me there was a new collections account on my credit report, from AmeriCollect originating from XXXX XXXX for {$600.00}. AmeriCollect has NEVER provided me any written notification of this debt and refuse to discuss the account over the telephone, XXXX XXXX states they can not discuss the account as it is now with collections
I have my house for sale. I thought that the second mortgage acquired on XX/XX/XXXX, was " charge off '' Chase Modification on XX/XX/XXXX. 
The escrow office received the Prelim Report where a second mortgage of {$65000.00} appears. 
On XX/XX/XXXX, by the first time the escrow office sent a Request for XXXX Demand and Reconveyance to Chase-JP Morgan Chase Bank-Washington Mutual Bank. On XX/XX/XXXX, by phone, the bank responded they need a payoff proof only. 
On XX/XX/XXXX, by the second time the escrow office sent a fax to JPMorgan Chase Bank, Successor in interest to Washington Mutual Bank, fax : ( XXXX ) XXXX, requesting to confirm with their records to Full reconveyance on the second loan. 
On XX/XX/XXXX, a Third Request was emailed to XXXX from the Broker who represents me on the sale. 
All the three requests have been sent with attachments of Authorization Letter signed from me, Deed of Trust, Preliminary Title Report, Washington Mutual Second loan Mortgage, and my Credit Report. We have not received any response.
I returned a leased Kia to a Kia Dealer and purchased a new Kia. It was a demo car with XXXX miles on it already so I could not get it financed through Kia with 0 % financing. I got the final bill on my lease agreement and they are charging me a disposition fee of {$400.00}. I called and asked to have it reversed and they declined, stating that " You did n't really buy the Kia, Capital XXXX did. '' I did n't have an option of financing my Kia through Kia. I already paid a higher percentage rate as a result of buying a demo car. Now I am expected to pay additional fees when I remained loyal to the brand? No one disclosed this fee to me at the time of closing the deal either. This is a very deceptive practice and the fact that it would not even be considered for review feels very wrong to me.
To Consumer Financial Bureau Compalint against XXXX XXXX. 

We used care credit for a patient XXXX XXXX. His " uncle '' XXXX XXXX had the care credit account. When we printed the form we found out that XXXX XXXX was not authorized to sign. We contact XXXX XXXX and he was added to the account my XXXX XXXX. On XX/XX/XXXX we called and spoke to care credit and it was verified that XXXX XXXX was authorized to sign the form. 

Sometime in XXXX XXXX XXXX and XXXX XXXX had a falling out and XXXX XXXX complained this was a fradulent charge which is not true. XXXX XXXX called care credit to state this. Phone calls were recorded. Care credit now state because the form was printed on XX/XX/XXXX and not reprinted on XX/XX/XXXX that XXXX could not sign. They could have informed us in advance of the need to reprint the form. They tried to remove the funds from XXXX XXXX XXXX a XXXX XXXX Corporation which we have protested. 

When they could not get the funds they proceeded to try and debit a different corporation XXXX XXXX XXXX XXXX, XXXX a XXXX XXXX corporation. This would seem to violate banking laws to take money from one coroporation to pay disputed funds of another. This crosses state lines as well. 

XXXX XXXX uses these predatory practices against the merchants. They should honor the payment and be subjected to fines and investigation for the cross corporate attempt theft. 
Also many phone calls etc
I was served a lawsuit summons on XXXX XXXX, 2016 by Portfolio Recovery Associates. I do not recall ever having any form of contact with PRA prior to receiving the notice to appear for the pre-trial hearing, and had about 2 weeks to draft a response and prepare. I filed an answer and was present at the pre-trial conference/mediation and ended up signing a settlement agreement with monthly payments beginning in XXXX. I brought up some issues I had with many of the false allegations they made in the lawsuit document, as well as their failure to comply with XXXX, but my mediator suggested that despite all these valid points they would n't hold up in a court case. I felt very overwhelmed and coerced into signing a settlement agreement that I particularly did n't agree with. I am not at all satisfied with the settlement amount -- which is much higher than the amount they said I initially owed -- and am having some doubts on the legality of this entire situation. Before I make any payments I would like to know for sure if PRA is truly the owner of the debt they allege is mine. I would also like to potentially have this entire case dismissed due to a lack of standing and failure to provide notice of assignment -- which is a condition that must be met before any attempt to collect on a debt. Thank you for your time.