WillisBack/dataset-financial-user-claim huggingface dataset:
I deposited a check from my insurance company for short term XXXX, Principal Life in the amount of {$2200.00} less {$100.00} = {$2200.00} on XXXX XXXX, 2015 in my checking account at Branch Banking and Trust, aka BB & T in Kentucky. They are delaying/holding my deposit for XXXX days, they said because I overdrew my account in the past XXXX months. I went to the ATM with my ATM/XXXX card and it allowed me to withdrawal money, but BB & T charged me {$36.00} for each ATM/XXXX withdrawal. How can this be legal?
Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
I have a heloc mortgage serviced by Real Time Resolutions and i prefer to make my payments online.But since this loan was discharged in my bankruptcy they will not allow me to pay my payments on their website.SO each month i call them and have to pay a XXXX $ fee to use XXXX to make my payment on the phone.Recently XXXX made a settlement where they are returning these types of payment fees to their customers.My question is why is Real Time allowed to charge this fee.
My husband and I opened accounts with suntrust over a year ago. His payroll check was deposited each Wednesday at midnight. We would set payments to disburse that next day. Suntrust would pay the scheduled amounts but charge an overdraft fee for every payment. This left our checking account in the negative on a regular basis. I got a loan to clear the account up and Suntrust continued doing the same and eventually closed our account for an extended overdraft balance of approximately {$1100.00}. We opted out of overdraft protection when we opened the account. We should not have been charged any fees with exception to check payments or ACH payments ; however, most of the fees derived from point of sale transactions and snowballed, causing all transactions to incur a fee. Again, we did not wish for nor elect to participate in overdraft protection. I have gone to the Bank physically and spoken with several bankers, including the branch manager of the XXXX, Georgia location, XXXX XXXX, with no success. I went again and was escalated to an executive team, a representative contacting me by phone once and never hearing back from him. We have added approximately {$10000.00} in overdraft fees that were taken from our account in less than one year. Suntrust has not cooperated with refunding any of the fees to date. Their handling of our funds in contrast to federal banking regulations has caused our credit scores to plummet among many other things.
In XX/XX/XXXX I submitted an application or applied for an AUTO LOAN with my favourite Insurance co. XXXX. 
I am a member of XXXX since XX/XX/XXXX. 

When I applied for a Auto Loan with XXXX, I submitted only 1 ( one )  application for AUTO LOAN. 
The date is XX/XX/XXXX. 

The loan which was offered to me had an APR something like 8.05 % or 8.09 %. 

It was not affordable to me. 

I choose another Auto Loan for 2,4 % APR and it was already paid off. 

I do not recognise second hard inquiry on my credit report, by Experian. 

Second hard inquiry was made on XX/XX/XXXX. 

I already made one hard inquiry for Auto Loan, I received an answer that I can get a loan with interest rate over 8 %. I could not accept 8 % it is just too high for me. 

I did not made second hard inquiry for the same auto loan. 

I noticed that problem already in XX/XX/XXXX. 

but I was So OVERWHELMED with my new car XXXX and it is a space shuttle and not a car, and so I did not have forces to fight to remove second unjust hard inquiry. 

I also had a XXXX  XXXX in XX/XX/XXXX in XXXX XXXX XXXX for 5 hours. I was in recovery mood when i realized that there are 2 hard inquiries instead of 1 hard inquiry for auto loan. 

Now, in XX/XX/XXXX, I am much stronger and I see that all these double-hard-inquiries damaging my credit report. 

It damages my credit score. 
Including for XXXX XXXX XXXX XXXX. 

I request XXXX to remove second unjust hard inquiry for auto loan.
Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. 

Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
This XXXX XXXX XXXX account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.
Hello, We leased a little XXXX XXXX XXXX in XX/XX/XXXX. However, personal circumstances required us to move to XXXX ( I 'm XXXX ) thus I called the leasing company in XXXX XXXX in regards to early termination. The agent told me that I had to pay an early termination fee of about {$900.00} and all I need to do is to return the car. 

I decided to return the car in XXXX of XXXX and received a receipt for returning the car ( XXXX XXXX with XXXX miles on the odometer ). Then we continued to receive bills from Chrysler Capital and I called several times to tell them that we had returned the car. I asked repeatedly when I would get the final bill from the early termination fee and every time they said it should come soon. 

Finally, on XXXX XXXX I received a call from Chrysler capital that they had sorted it out and that the dealership made a mistake ( there is a technical term for that I forgot it but basically they temporarily 'lost ' the car ) and that I would receive the final bill after the car was sold. This was new information to me, on the call I had in XXXX it was clear that it was around {$900.00} - now the story is that they will need to sell the car first and I pay for the difference between their price and what they are able to get at an auction. This is apparently in the contract under early termination but it was n't explained to me nor is it clear from reading it ( the process is not described ). 
Today ( or rather yesterday ) I received a letter that outlined the same amounts that are under the early termination + adminsitrative charges. Basically, I 'm liable now for around XXXX and it says nothing about the process of when the car is being sold and when I will learn of what the actual difference is. 

Thus from my side:1. The process information was new and that I also pay for the difference of what they are able to sell the car for. Had I known that earlier I would have acted differently ( most likely I would have shipped the car and sold it myself in XXXX ; we would have had that option then ) 2. I have no control over that price whatsoever when they auction off the car and I have no insight in how that price came together and if that was in fact the price. 
3. In the meantime, we 've moved abroad - they have wasted 4 month of dealing with this which means the car is 4 month older now and I 'm not longer around to act. 

I still do n't know what the final bill is for the car but I 'm concerned that they have very little interest in getting the best price and/or can basically tell me anything and I can no longer influence that because I 'm no longer in the XXXX. 

I might be an exception to the rule because we moved abroad but I would assume that the way these early termination clauses are structured and the way it is explained is probably a general issue in this industry. I 'm happy to provide all required documentation and reference because I feel there is clearly something wrong here. Also, we 're now using a mailbox forwarding services in XXXX ( originally from XXXX ).
CFPB sues nation 's largest student loan company Navient for failing borrowers at every stage of repayment. 

I am one of the student loan that was affected by this Navient company. is there any forms that I have to fill out?
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EXPERIAN CREDIT REPORT.
EXPERIAN is not INVESTIGATING PERSONAL INFORMATION and ACCOUNTS LAWFULLY, simply telling me they are verified is not the law. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''
On XX/XX/2018, I received an alert letting me know a collection item was placed on my credit report. When I looked on my credit report I saw that XXXX Collection agency for XXXX is showing that this item is in collections. Inaccurate information for account, status, amount, date open and closed, and payment history are all inaccurate. I have also never received notice of this collection item thus not allowing me to dispute it. It has dropped my credit score down 60-70 points and is damaging to me buying my house. 

Please investigate
Refusing payment. I have attempted several times to pay an account they are reporting on my credit report. The address provided on credit report is undeliverable. I then looked up address through BBB sent a check out and it was returned saying there was unacceptable markings on it. On the memo line i wrote exactly what it says on the credit report! XXXX XXXX XXXX the check was written out to Portfolio Recovery. I do not understand why they are refusing payment
What happen was Bank Of America Attorney came to XXXX, Georgia to Superior Court for the final Order and Judgment. There using the name Bank Of America is Debit Collector, Plaintiff said on XX/XX/2016 was foreclosure sale of the property located at XXXX, Georgia I was not inform of this sale, the Judge went along with the Bank Of America, Debit Collector, but the Judge told me I could file a wrongly foreclosure with thin 30 days, this is what I am going to do, I want to file this complaint first. The Judge give me until XX/XX/2016 to get all of belonging out the house.
Sent letter ( attached ) XX/XX/2018 No response or back up from debt reporting on my credit report XX/XX/2018 - Made a complaint to CFPB - CCS claims that they have no information and did not address - the debt which is reporting. Claims they are not handling. 

They reported CCS same company that claims they are not handling on my credit report once again - XX/XX/18 I have attached a picture of the line item on my credit report and the Derogatory contact info from my credit report. This is where the letter was sent, in XXXX the same information sent in XX/XX/2018 etc .... 

If CCS can not provide back up on the debt they are reporting it needs to be removed from all credit reports immediately. I feel I have done everything I can do to verify the debt. When you call all that is stated is balance due and I should know what the debt is for. it is my debt. Which is odd.
My Loan was taken from a Credit Union and XXXX XXXX  XXXX XXXX in the XXXX 's and sold to XXXX XXXX. Eventually consolidated with XXXX XXXX XXXX. I received a call to fill out paperwork because I qualified for Loan Forgiveness.  When I explained the paperwork asked me to consolidate the loan to XXXX XXXX XXXX XXXX not forgive the loan. The explanation was the loan has to be consolidated back to the original Lender/Holder to be forgiven so I went ahead. I never heard anything further then my loan was in default. I brought it out of default and have been told I do not qualify for forgiveness. Now the loan is continually sold to services without my consent and every time I am contacted by a new servicer the loan amount increases by thousands of dollars. There is some sort of predatory fraud and scam being committed. The loan amounts I borrowed in school were around 15,000 and My has added interest from around {$30000.00} to not over 55,000 in the last 2 years. Something is wrong.
The  Bureaus i s reporting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX  County, ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor of his  Estate to the Bureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. The Bureaus failed to follow up on this information and was negligent in trying to collect the money. The refore they should not be allowed to report it as my debt.    Respectfully   XXXX   XXXX   XXXX
As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
After reviewing my credit report, I found XXXX collection accounts through the same " debt buyer '' company showing a past due balance. I have not received any correspondence to date that states I have a contract with them to pay any amount. I do n't know who this company is, and what debts they are trying to collect on as I did n't know about these debts. The company is Portfolio Recovery Associates. With XXXX collection accounts reporting past due amounts this is very damaging to my credit.
I continuously receive calls from a companies ( the name and number change each time ) with the scam stating that I owe a debt and they 're filling charges with the courts for felony check fraud if I do n't pay them money. They call my work, my husband, my family, my mother-in-law, my husband 's ex-wife and others. I told them not to call my work or anyone else and to serve or send me with papers verifying the debt. They wo n't even tell me what the debt is. That is why I know it 's a scam ... That and the fact that this has been happening for years now and still have not ever received any verification. I 'm tired of being harassed. 

The latest call to my mother-in-law was from a place called Bronstein XXXX XXXX from XXXX. My husband received a voicemail from an unknown number to call back at XXXX. The guy said that court papers were being delivered to my work and home for failure to comply. He did not mention his name or the company 's name. My husband saved the voicemail.
excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused
XXXX / XXXX /  XXXX   LEGAL ORDER FEE DEBIT CASE #  XXXX  {$120.00} from  Wells Fargo.  Apparently, no funds were remitted to garnishee because there were no funds available after {$120.00} was deducted from my account. In fact, my account was overdrafted {$71.00}.
I have requested a copy of the " on-line application '' that was used to fraudulently open a Visa Credit Card with Synchrony Bank BP in my name without my permission. I am a victim of Identity Theft. The fraudulent person opened a line-of-credit ( credit card ) via the Internet " on-line '' on XX/XX/XXXX with SYNCB/BP DC, for {$6000.00}. They charged {$7900.00} on the credit card. I have contacted the credit agencies, filed a police report and filed an Identity Theft Report with the Federal Trade Commission.  The identity theft was brought to my attention on XX/XX/XXXX and I have been trying since XX/XX/XXXX to get a copy of the fraudulent " on-line application. '' Synchrony Bank has dragged their feet and have not sent me the " on-line application that I requested. In addition, they are required to send me any documents or information that was used and/or uncovered during the process of them investigating this fraud. I have not received any documents or information them. Summary : 1 ) I need a copy of the fraudulent " on-line application '' ; 2 ) copies of any documents or information uncovered during the investigation of this identity theft claim.
XXXX XXXX is reporting wrong information on my credit report. Transunion and XXXX  and XXXX have two different open date when the account begin. How can one account open on two different day.
I received a call on my cell phone asking for someone else. When I stated that I was my cell phone and my name the collection agent keep asking me if i new the person. I asked them not to call my cell phone again and hung up.
I am receiving calls from three different places concerning this loan, AES, the XXXX XXXX and XXXX. I am being told that XXXX has taken over the loan but I will still have to interact with AES. AES is extremely rude and unprofessional. I currently have XXXX income and they do an assessment and even though I have XXXX income and a dependent I am being told the best they could do is have me apply to pay half of what my payment is currently ( which I have been paying for the last three years ). I asked to have an application mailed to me, which I never received. Then I was told that I have to do it online. All the while I have not been offered a forbearance in the time it would take to sort this out. This seems extremely unethical. Also, I was told that XXXX took over the loan but I can not contact them about this loan, then I was told I do n't have to make payments until I receive the new terms with the new loan servicer.
I have a car loan and I had a accident with the car and the injurance gave me the check for the damage to send to the bank were the bank deposit the check into my loan. Then they took the money back to pay the repair shop since then the amount on my loan is not correct and I contact the bank and they hang up the phone on me and last time I spoke with someone on chat the person did n't want listen I try to explain that the loan since they did the deposit with the accident check is off XXXX and monthly payment is no longer same.
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : CREDITOR INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
I ( we ) had a mortgage through Bank of America. We filed bankruptcy ( chapter XXXX ) and completed the payment plan. The mortgage was not dischargable as it was a long term debt. I have filed several disputes with the credit reporting agencies, but after " investigating '' the dispute, BOA still lists the debt as discharged.
I sent XXXX XXXX XXXX a certified letter dated for XX/XX/18. My credit report has an account listed owing {$290.00}. XXXX removed this error with no issues, but XXXX and Experian have not. I disputed this account several times because I did not open it. My social security number was placed on XXXX by an unnamed individual seeking revenge against me. There were several accounts open without my permission. I completed an identity theft report and forwarded it to XXXX XXXX, along with my driver 's license and social security card. They have refused to remove this error, even after receiving documentation. I am concerned that they will continue to ruin my credit with the continue reporting of fraudulent information.
This is supporting information and also a follow up, so after previously contact CFPB XXXX/tD finally replied to me and they sent me some proof of signature and I have proof on legal documentation that, the signature does not belong to me, thats not the way I signed, they stated that my drivers license was swiped but as I told them my drivers license was stolen and I reported it to the law enforcement ... they mentioned a account that was used to make payments on the account that I never had ... that was a account that appeared on my consumer report that I disputed as well XXXX unauthorized account opened.. 

Documentation Im enclosing shows the signature XXXX/TD sent me and said I signed .... 

And I enclosed my signature on official documents Also a copy of the police report on my lost drivers license the report is blurry but I still included it And a copy of the letter they sent me ( XXXX/ TD )