WillisBack/dataset-financial-user-claim huggingface dataset:
X/XX/17 met with XXXX XXXX of wells Fargo, XXXX XXXX XXXX in XXXX XXXX, IA about overdraft protection I was told I had by their employees when I opened my accounts but had been charged overdrafts and not taken the available money I had in savings to pay for the items instead. he informed me that would n't credit anything to me even when someone else had changed these accounts a year ago and then proceeded to change my accounts again. so every year these wells Fargo employee continue cycling my accounts to make them new accounts that they get credit or money from only to XXXX me in the end but changing things slightly or not giving me everything I had previously. since he did this there has been nothing but problems including well over {$600.00} in overdraft fees, returned check fees, and continues to be insane issues like they tell me my bills are paid and then go back in manually and decline paying my people in turn charging me and getting charged also by my providers on the other side. I got emails from wells Fargo saying they were shutting off my accesses to cards, accounts, access to money by XXXX pay, XXXX pay etc. I called wells Fargo fraud as it says to do since I did n't make these changes and they refused to shut my account down apprx XX/XX/17 and I stopped using the account since then. closed the card associated with that account deposited enough to cover the negative only for them to continue keeping the account open and keep charging me fees and overdrafts of this endless spiral of nothing will stay positive because they keep slamming me with fees. XXXX is now gone like they all do after they make a bunch of money on their customers and his boss lady covered his ads and told me she would n't help me either because they credited 2 overdraft fees from a year ago that were also an issue caused from their end. I ca n't leave them yet cause I need to keep an operating business account but ca n't keep losing all this money to them for nothing. stop the insanity.
I contacted this agency on  XX/XX/XXXX   . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX   Who is currently my finance company and always have been since  XX/XX/XXXX ! I attached copies of my   XXXX   XXXX   documents!  Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander  consumer is fraudulent!! They are keeping me and my children from home ownership!
Flagstar bank XXXX continues to show late pay history, i was never on this account and it should be removed from report or updated with no negative pay history
received a call from XXXX XXXX XXXX Portfollio Recovery. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a divorce in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXX XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.
My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Navy Federal Credit Union Card Card XXXX XXXX XXXX XXXX XX/XX/XXXX Notified Navy Federal of fraud charges on my account on XX/XX/XXXX, XX/XX/XXXX. and again on XX/XX/XXXX to no avail. 

The fraud charges are : XX/XX/XXXX XXXX {$420.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX  bill {$1.00} XX/XX/XXXX XXXX  bill {$39.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX bill {$39.00} XX/XX/XXXX XXXX bill {$29.00} -- -- -- -- -- -- -- -- Total on XX/XX/XXXX {$620.00} And likely more charges since then. 
I sent USPS mail every month and they simply ignore it. Asked them to cancel the card as fraud and send a new one to stop the fraud and it is my requests go on deaf ears.
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Attn : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the lease. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX
A balance transfer was initiated for {$4900.00} to  XXXX   XXXX  on  XXXX / XXXX /  XXXX   throug h Barclay  card.      Barclay card  is saying the transaction has posed, however  XXXX   XXXX  is stating that it has not.      Barclay c ard is now billing me for payments on a transfer that was not performed, but they are insisting it was.     When I contacted the contact center on they just say that the transfer is completed in their system and provide no assistance despite my proof of non payment through  XXXX   XXXX . I call ed Barclay Card o n  XXXX  and  XXXX  in attempts to get answers but they are continuing to not provide assistance.
Collector CMRE Financial Services and XXXX XXXX XXXX. Their practices of harassment and are met with antagonistic and unlawful procedures! Do n't go to XXXX XXXX Hospital as their billing practices are harassment and borderline unlawful. I went in for a covered procedure surgery with prior authorization. Even with Medi-CAL coverage they will pressure you to pay all before leaving. I have received a collection notice and called them and said I just spoke to Medi-CAL and they are processing the bill, and here is their contact information. Besides being met with an antagonist harassing person ( she said her name was XXXX ), she asked if the number I was calling from was my cell phone. Fearing a trick to acknowledge my number, I hesitated, but remembered I 'm on the " Do Not Call '' list and they cant call for collections as I have only a certain amount of minutes. She said she could n't go any further without my answer, and since I wanted them notified of the bill being processed, I confirmed. She then asked me if it was ok to call this number for collections. I said, ABSOLUTELY NOT! Within 1/2 hour of hanging up I 've been receiving multiple collection calls on this account! Sometimes using a different name ironically. Up to this point I have n't received XXXX call from any collection services. Ironic? .. or do they pass the number along so they can skirt the law. Besides the terrible billing practices of XXXX XXXX HOSPITAL, I would n't recommend ANYONE going there. This is an obvious collection svc for the XXXX department. The bill is not unpaid, as the billing is still going through Medi-CAL but that does n't stop the harassment by both XXXX XXXX Hospital and CMRE Financial Svc 's and XXXX XXXX XXXX!
I have previously consolidated my students with XXXX Department of Education a few years ago. and did not realize they had left small balance remaining which had gone to collections in the amounts of {$2.00}, {$9.00}, {$10.00} and {$29.00}. I found this out when I pulled my credit report. I called the department of Education and took care of the debt which was a total of {$51.00} and was advised that this would update to my credit report as paid and Current Transferred. I proceeded to contact the Bureaus to advised of the payment. When I looked at my credit report with Experian it show a total the old debit and the new debt on my report when I called to request they fix the account I was told they only add what is being reported by the creditor. so they have duplicates on my credit report which no one seem to care to correct XXXX is showing paid the other is still showing the balances of what I have already paid, the account numbers are as following Department of Ed/GSL/XXXX # XXXX Department of ED/GSL/XXXX # XXXX Department of ED/GSL/XXXX # XXXX Depoartment of ED/GSL/XXXX # XXXX When I ask them to correct all they were willing to do was dispute it again.I need this information to be deleted on my credit report
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/EQUIFAX/XXXX/XXXX  XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE MONEY TO YOU, FOR ONE THIS ACCOUNT WAS ALLEGEDLY OPENED IN XXXX, YET YOU HAVE THE START DATE OF NEGATIVE FROM XXXX. YOU ALSO SHOW NO PAYMENTS EVER PAID SO THIS IS INCORRECT REPORTING EVEN IF IT WAS MINE, YOU ARE REPORTING IT WRONG. This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX, Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
**NOT A DUPLICATE COMPLAINT**ATTACHMENTS INCLUDED Starting back in XX/XX/2016, I began disputing the multiple late payments showing on credit reports from XXXX, XXXX , and XXXX. I informed them that the information is being reported inaccurately and that they needed to provide me with proof showing late payments. The first response from Flagstar Bank was that they needed additional information for proof of identity and I sent them, again, copy of my driver 's license and social security card along with a utility bill. To date, they have not investigated these inaccuracies and keep sending what I consider, " stall letters ''. They have also failed to mark on my credit reports that I am disputing these items - multiple violations of the federal law. I can send the copies of the letters I have sent to date if needed.
I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step.

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly.

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account.

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove.

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account.

I know that mistakes happen but it should not happen at my credit 's expense.
rec'ed Letter dated XXXX XXXX on XXXX XXXX : From : WELLSFARGO Bank 'EMPLOYEE ... XXXX XXXX the letter she sends dose n't reflict any case number from cfpb ...? ; and this Employee dose n't give and direct phone number to contact her? 

fine attachments of the letter mentioned in the complaint dated this day XXXX XXXX
EQUIFAX employees/resolution supervisor " XXXX '' Id # XXXX informed me along with other reps. that EQUIFAX will not and does not comply to federal rules/regulations and laws pertaining to the Fair Credit Report Act under Section 609 ( A ). In which in my case would suffice as proof and verification that debt is being reported inaccurate on my report. Currently creditors- XXXX acc # XXXX. I requested that EQUIFAX per the FCRA 609 verify through physical verification of the original signed certified consumer contract of any the account. In addition I supported a paid in full letter from the collection agency that collects for XXXXXXXX ( the creditor ) has advised me that they have incorrect information reporting on my file due to a glitch in their system that interchanges data with the credit bureau EQUIFAX system. Therefore in accurate information continues to reports until they can fix the issue etc. However Equifax refusal to verify this information physically would clear the issue up but EQUIFAX is stating they only verify electronically and they are not require to verify the information physically nor comply with the FCRA SECTION 609 law per my right as the consumer .They are stating the in accurate information via electronic interchange is correct ( when its not ). I am asking that EQUIFAX comply with this LAW per my written request dated XX/XX/2017 but denied XX/XX/2017 per documents attached .I am requesting that EQUIFAX request for the accurate information to report and comply with the lase, in the case information not reported to please delete from my credit report as the law complies. In addition XXXX needs to comply and provide correct reporting information to the EQUIFAX as well or EQUIFAX must removed it from my report completely. The response EQUIFAX provided me with is not physical verification of the debt amount due to XXXX has communicated that the information via electronic is a glitch. Therefore physical documentation is needed at this time in order to accurately report this information in which EQUIFAX refuses to comply with.
I have big problem with Chase credit card.I went in under Debt Relief program to get out of debts.All credit card companies did right for me, except Chase. Chase closed my account XXXX/XXXX/2012 and discharged my debt of {$2600.00}. They sent me form XXXX so I can file taxes for that amount what I did. I though this problem is solved but I find out through Credit reports that it is not! Chase has been keeping reporting to agencies that my debt is charged-off with a current balance of {$3200.00} still owed to Chase!!! They even increased the amount and they claim I still owe them the whole amount of {$3200.00}. I filed few requests with Credit Report Agencies for investigations, but nothing ever changed at my Credit reports, ( XXXX and XXXX ), it changed in XXXX report that I owe them {$0.00}. 
I even called Chase to resolve this problem, but they keep claiming I owe them {$3200.00} even when I confront them with the form XXXX they sent me, and that I claimed taxes for them to the IRS and that they claimed that as a loss to the IRS, so they should report Credit Report Agencies they have to report that account is charged-off and balance is {$0.00}. Chase kept ignoring it and they still keep claiming I owe them {$3200.00} and they want me to pay it off!
My checking account was used against my permission to transfer money to another account. When I discovered the transaction I was traveling on the XXXX XXXX of the US where there are no branches and am scheduled to leave for XXXX on a trip for over 3 weeks in 2 days. I was told that in order to remedy the situation, that both accounts needed to be closed, and that I would need to establish a new account. 
AT THAT TIME I WAS VERY EXPLICIT IN MY QUESTIONING OF THE REPRESENTATIVE TO THE EFFECT THAT I MUST MAINTAIN ACCESS TO MY MONEY VIA DEBIT/CHECK CARD OR OTHERWISE BE PROVIDED A REPLACEMENT PRIOR TO MY DEPARTURE IN 2 DAYS. I MUST HAVE REITERATED THIS POINT 5 TIMES. 

I was assured that this would be taken care of. I was assured that my new account would be opened overnight and the next day that my old debit card would be assigned to the new account where it would be able to access all of the funds. 

In the interim I WAS REPEATEDLY ASSURED THAT WHEN I NEEDED MONEY LATER IN THE DAY THAT I COULD CALL THE FRAUD DEPARTMENT AT XXXX XXXX XXXX XXXX AND A REPRESENTATIVE WOULD AUTHORIZE A 1 TIME ATM WITHDRAWAL WITH A CURRENT CARD IN MY POSSESSION. I MUST HAVE HAD THEM REPEAT THIS BACK TO ME AT LEAST 3 TIMES. 

Tonight, I went out for dinner for business purposes. I offered to pay the tab. My guests had to catch a flight and i offered to pick up the tab. After they had left it dawned on me that my cards were invalid, and I have no cash on me. The manager would n't accept my drivers license or watch as collateral so I called TD Bank. They told me I was out of luck. I asked to be transferred to the fraud line. They informed me that my account was restricted in a manner that could not be remedied. They also asked why I would think that such a scenario could exist to remedy the situation. BECAUSE YOU XXXX TOLD ME SO. 

So as i stood in the Bank auditorium, speaking very calmly with the representative, and their impotent manager, it dawned on me that they completely misrepresented my ability to access my own funds to me, simply to protect and limit their own liability. I would have accepted full liability for further breaches just to keep access to the money i need to pay the bills that I incurred and travel this week. I told the fraud department exactly that. Seemingly they do not care. 

I 'm not sure why I 'm complaining about this via the CFPB. I am so embarassed by being handcuffed, not to mention furious for being held handcuffed and held outside of the restaurant like a piece of trash because my bank is paranoid that my password is n't secure that you can absolutely guarantee that i 'm going to file every single complaint available to me and every single lawsuit in every single jurisdiction I can find a court to subject you to. 

See you in XXXX XXXX XXXX XXXX XXXX XXXX
The problem is with discover card. I actually already have an account with them this complaint is about obtaining a credit limit increase. I started with a secured card with a XXXX $ limit in XXXX. Since opening the account my XXXX has increased to XXXX according to their own site, I have not missed a payment with them or anyone else and have been considered credit worthy enough for other banks too give me XXXX limits. I have called them several times to try to get a credit limit increase and the just say the system automatically reviews it. I consider calling them an application for credit, they take adverse action against me by denying me additional credit, but give me no reason as to why, in fact they do n't even consider my request. Is this not a regulation B violation?
XXXX Open Back XX/XX/2008 Close and pay To old to be on my credit report
Equifax had XXXX for internet security and got hacked and my information was in it.
on XX/XX/XXXX I received a call from customer service telling me that I had been approved for a XXXX XXXX loan. I was in dire need and I requested the money. On XX/XX/XXXX a payment of XXXX and some few cents was withdrawn from my checking acct.for payment. I now owe these people over XXXX. I sent a message to cancel this account but didn't get a reply. This is nothing but a scam on poor people
I have been denied several times due to a bankruptcy issue that occurred back in XXXX XXXX. This bankruptcy should have been removed off my credit report in XXXX. Trans Union is reporting this information incorrectly. And because of this my credit scores are low too. I was under the understanding that bankruptcy 's should be off the report in 7 years and removed after 10 years. But obviously this is not the case. I should not be suffering any longer on this part of my life that happened over 11 years ago. Please rectify this and get my credit back to where it should be. Thank you.
This account was included in a bankruptcy and should now be closed. I have disputed it but I just get a message saying there 's an error and it continues to show as open on my credit report. I have called the collection company and they do not return phone calls. I am just requesting that they at least change the status from open to closed.
I contacted XXXX XXXX with Guild Mortgage on a fact finding mission to obtain information on mortgage loan products. I was very clear to XXXX that I was in the preliminary stages of my inquiry and that I did not want to apply for a loan at this time. XXXX requested tax returns and income information so he could review them and make a better recommendation as to what was available for my wife and I. This correspondence was only to obtain information for a possible future loan. After several days of no response I checked in to see if he had reviewed my documents. He immediately sent me some preliminary information. That information sparked several more questions, so I emailed him again with the same no response. I once again reached out to XXXX and his teammate XXXX XXXX responded letting me know that my " file was in process. '' On the same day I received letters in the mail showing mine and my wife 's credit had been pulled by Guild Mortgage. I immediately called and emailed to find out why this was done. At no time had XXXX XXXX or anyone at Guild mortgage received a signed application for a loan. Furthermore, Guild mortgage had not even spoke or emailed my wife who 's credit was also pulled. They had to obtain our Social Security numbers from the financial documentation I had sent him, which is a clear violation of the Fair Credit Reporting Act. XXXX XXXX did admit to the error but has not provided sufficient proof that this inquiries have been removed from all XXXX bureaus for my wife and I. I would like all XXXX bureaus cleared of these inquiries for my wife and I and for Guild Mortgage to provided the cost of credit monitoring service for my wife and I for a period of one year, which is estimated to be {$300.00}.
Chase is reporting a balance due on XXXX credit card accounts they charged off that is impacting my credit score. Chase is reporting 146 % utilization on XXXX card and 134 % on the XXXX card, both are charged off credit cards.