WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I had about {$190.00} in my Wells Fargo checking account. There were no posted check that day for {$300.00}. I checked my account frequently and there was nothing posted so my account still had money in it. There wasn't even a pending transaction for that {$300.00} check at all. The last time I checked my account on XX/XX/2018 was right before midnight. There was still no check posted and I still had about {$190.00}. At about XXXX today XX/XX/2018, I saw my account was - {$100.00}. No big deal, I will get the money into my account before XXXX to avoid an overdraft fee. I went to the ATM at about XXXX in XX/XX/2018, before the XXXX grace period was over, to deposit {$100.00} into my account only to learn that Wells Fargo has already charged me an overdraft fee of {$35.00}. I looked at my account online and it is stated that the {$300.00} check posted yesterday on XX/XX/2018 when that is not true at all. The check posted today on XX/XX/2018 but it says differently online. I find it unfair and a lie that Wells Fargo has done that. They insisted the check was posted on the XX/XX/XXXX when it did not show up on my account until today, XX/XX/XXXX. Wells Fargo refuses to refund the {$35.00} overdraft fee ( I don't make a lot of money so {$35.00} is a significant amount of money for me ) stating that the reason is because of my history of overdrafts. I may have overdraft more than once with Wells Fargo, but I managed to to bring my balance to at least {$0.00} before XXXX. Yes, I wish Wells Fargo would refund my money, but I find it much more alarming about the unfairness of Wells Fargo stating a check was posted on a day before it actually was posted as well as the unfairness of stating I have a grace period up until XXXX to deposit money to avoid an overdraft when in all actuality it wasn't given to me.
Not only does this complaint involve dealing with my lender, it also involves the repaying of my loan. In XX/XX/XXXX I called to see if I could get my payments reduced because I would not be able to make XX/XX/XXXX payment. I was told my loan payment must be past due before anything could be done, which I think is absolutely ridiculous. So I waited to call again after my XX/XX/XXXX was past due to see what could be done, after having to talk to XXXX different people and such a huge hassle I was told they could do nothing and I was not qualified for help, and at this point it was mid-late XX/XX/XXXX. I ask if there was anything they could do to get help and I was told that I needed to wait another 30 days to see if other options opened up after I missed another payment, which again I think that is absolutely ridiculous. I was also told that my account would not be marked late on my credit reports until 60 days past due and as long as I got into a program before then I would avoid any negative marks on my credit report. So I again called in mid XX/XX/XXXX about 10 times over two weeks and had to wait 45 to over an hour on hold, and never ended up talking to any one because of the long wait time. One of the times someone answered, and all I heard was back ground noise then I was hung up on, which is one of the most unprofessional things I have ever experienced with Sallie Mae. I finally got a hold of someone the end of XX/XX/XXXX and was still not 60 days past due yet because the lady told me I was XXXX days late, and was finally qualified for lower payments and lower interest. However, I just saw today that my credit reports have been file with negative reports of XXXX days late, so I was blatantly lied to about the reporting, and this could all have been avoided if they would have helped me In XX/XX/XXXX or XX/XX/XXXX
Citizens Bank sent me a letter stating they were closing my account. No reason was given, so I went into my branch to ask why. Again, no reason was given and the manager advised me to call the XXXX number on the letter. When I spoke with this department again, no one would give me a reason for closing my account, they just simply said it was " according to metrics and that I made my deposits and withdrawals on the same day '' ( is n't this the point of a bank ) I feel like this was unwarranted and someone in a back office who does n't know me is trying to make judgments about an account based on daily transactions ... .no phone call was made to me to try and inquire about these transactions and no effort was made to remedy the situation by the bank.
The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Equifax has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.
I submitted an additional inquiry into an incorrect reporting and shallow investigation tactic carried out by Early Warning System about a XXXX XXXXXXXX XXXX listed on my Early Warnings Report. Early Warnings confirmed that were in receipt of my dispute on XX/XX/2018. More than 30 days has passed and there had been no response on the results of their investigation in that I requested a full removal of the incorrect recording of a XXXX XXXXXXXX XXXX account on their report. I am now demanding a receipt of this record being removed/deleted from the report they have compiled under my name.
I have been put on XXXX and XXXX for fraud activity due to a closed account from Bank of America .. since then I have disputes this information with ews and fraud activity has since been removed by Bank of America .. Bank of America has yet to remove this same information from chexsystems and I was recently able to open an act with XXXX XXXX after calling and verifying that the information was updated an removed but a day later my act was closed because it was not fully removed pm paper ... please remove this ASAP
I had a market and owed XXXX XXXX around XXXX when I had to close the market in XXXX XXXX. I had paid the original invoice down from XXXX XXXX. In XXXX an attorney started threatening me, and took me to court for the debt. I called XXXX, but they had went out of business and XXXX bought their inventory. XXXX is the company trying to collect my old debt to XXXX. Their attorney LLoyd McDaniel took me to court, but could not produce an invoice. I agreed to settle out of court, and pay XXXX to XXXX within one year. I sent XXXX check to them and they cashed it but would n't adjust the amount, and send a receipt, or stay in contact with me. The attorney filed a garnishment on my old bank, but I have XXXX assets, have a small XXXX pension in ky of XXXX monthly and the bank put XXXX. They have now contacted XXXX XXXX Bank after filing another garnishment, and attached XXXX to my wife 's cd, which is her back pay for ss XXXX. Teller XXXX XXXX attached the lien without checking the cd to see that her money is exempt, she had no ownership in my business and they can not legally garnish me on her money. I filled all this information in a few minutes ago, but the computer went down, so you might be able to pull up the completed form. I have asked for a receipt, and tried to send them another XXXX dollars but they refused it because it was on my wife 's checking, but my wife gave me permission, I am her representative, and have to monitor the account for the ss administration so my name is on all our accounts as rep. We need help, we are both very sick, she has numerous XXXX issues, and is now close to XXXX due to having our little amount of ss benefits attached. I am suffering from XXXX, and a XXXX we XXXX stay in the hospital with health problems..This company has been ruthless and has been using the district clerk in XXXX XXXX Ky. as their enforcement arm, even though we had a court signed agreement that I had until XXXX XXXX to pay the money. They are claiming several XXXX more, did n't give me credit for my payment and I have the check where it was cashed by XXXX 's. I only gave in on this because I have XXXX when I leave the house, and I have to monitor my wife constantly because of her XXXX state.
I have had XXXX or XXXX title loans with Auto Money in XXXX XXXX, SC. The first XXXX were paid off by another title loan company. But the next XXXX or XXXX have been renewed. About three months ago I got behind and the I was told by Auto Money in XXXX, SC to call the district manager, so I did. I spoke with him and he told me to call XXXX in XXXX XXXX to see what I could pay. I told XXXX that I could pay {$100.00} that day and the other {$370.00} in three more days. He stood right there and said OK, well the next night my daughter and I were at home and a repo company pulled in our driveway and hooked my car up. The driver told me to call the company, so I called the District Manager at that moment and he said yes, we had to take it. I had to pay about {$900.00} and some change to get it back. It took my whole check for about three or four weeks straight. I only have XXXX vehicle and they knew this. Since then I have received a new loan and the first payment was due on XX/XX/2016, well I received a right to cure letter on XX/XX/2016.That is not fair at all. This company is the most complained about company around and something has to be done about them. Thank you.
I have been current and never late on my account. I received a call from the Ditech, the loan servicor, and then a new statement stating that my account was past due since XXXX 2016 and I have unapplied funds. I called on XXXX/XXXX/16 ( 2nd phone call in the month about the same issue ) and they said that they made an error it would be corrected in 5 days which it has n't and my online account is not corrected either.
In the XXXX of 2016 my payment unexpectedly doubled. The payment had been roughy {$60.00} for as long as I can remember. When I contacted Navient for an explanation they said they did a " routine '' analysis of my loan and realized it needed to reamoetized to keep it on schedule. This means that my loan has been amortizing wrong for an unknown amount of time. Which means I would have not been paying down principal at a pace which would have resulted in me paying an unknown amount of extra interest.
there is an incorrect mention in my credit report with Experian experian has been notified FIVE TIMES with PROOF that the item is fraudulent. 

experian has received the proof, including police reports, identify of the perpetrator of the fraud, proof of the fraud. 

experian has REFUSED to remove the mention. the mention is XXXX XXXX XXXX called today XX/XX/2018 and EXPERIAN in a recorded call has 1 ) acknowledged receipt of the FIVE times proof was sent, 2 ) admitted that it wont fix the fraud
I sent into XXXX XXXX loan service information of my doing Public Service as asking for public service forgiveness. I worked at the XXXX 25 years. They offered me XXXX=permanent but have not considered the Public Service that I did. I have federal loans and I have XXXX Private Loan with Navient. They messed up my credit by placing default on credit. I am XXXX and have worked for the XXXX 25 years. I talked with a lawyer for advise who was going through the same thing who told me to put in a complaint. My loan amount have gone up with sky rockingting interest rates hooked onto them. I have asked for Public Service Forgiveness and was denied. I do not want XXXX because this amount in interest will be turned over to the IRS and I would have to pay this. I want forgiveness for my time helping students in the school system. Just days ago I signed for the IBR because I really do not have any money to pay back. I am a XXXX who only wanted to better myself in school and I worked to take care of children with XXXX in the XXXX. I want forgiveness, also. I want this extra interest taken off and forgiveness given to me. I want the default taken off my credit because by me being a XXXX I might need some financial assistance if my health gets worst again. I need help. I need help.
Harris and Harris called my home. They spoke to me ( XXXX ) asking if XXXX was home. I inquired as to which XXXX they were calling about my son or husband. I gave them my husband 's date of birth for clarification, and they confirmed it was for my husband. They told me the details and the service was from XXXX XXXX. I said wait a minute, I just called Harris and Harris and they said we had no bills there in my name or my husbands. She ( XXXX XXXX ) said oh that is right you called and we told you we could not speak to you, since the bill is your son 's. I said wait a minute your calling about my son who has a different birthday then my husband, when I verified the date of birth by giving you my husbands, you said it was my husband you were calling about, when clearly if you looked at the record you would have seen it was not my husband who has a date of birth of XXXX/XXXX/XXXX, but you were calling about my son, who has a date of birth of XXXX/XXXX/XXXX. A clear distinction. Then you tell me the bill is from XXXX, I upon inquiring about that you than said oh it is from XXXX. At this time I informed you not only did you violate XXXX, but you also got dates wrong. I asked to speak with a supervisor/manager and XXXX XXXX who identified herself as a supervisor came on the line. I informed her the representative violated XXXX, I even tried to confirm she was speaking to the correct party and the representative, was not correct and told me she was when actually she was calling about my son. I informed her I would be filing a complaint and she said that was fine. They do record the calls. It was approximately between XXXX when the phone conversation took place. The supervisor told me they were going to pull the call for coaching purposes.
In XX/XX/XXXX, I made a payment by phone to my XXXX Citi Card.  They asked me if I wanted to set up automatic payments. And I repeatedly and emphatically said no because there had been a previous problem where they automatically charged the full amount due rather than the minimum payment and overdrew my bank account. 

This week, even though I had not authorized automatic payments, Citi charged my bank account AGAIN with the full amount due and overdrew my bank account by over {$1000.00}. Thankfully my bank declined Citi 's overcharge due to insufficient funds today, but I was charged a fee for that. 

I called Citi customer service yesterday as soon as I saw the error, and although the representative apologized and tried to refund the overcharged amount, she said it will take 2-3 days to actually reappear in my account. She offered me {$30.00} in rewards points, but that is not a sufficient solution to the problem. I asked her to have a manager listen to the XX/XX/XXXX phone call where I refused automated payments, and she said someone would do that and call me back. It has been over 24 hours and I have not received a callback yet. 

It is unacceptable and should be against the law to charge someone's bank account automatically without their permission, especially in an amount so much higher than the minimum payment due. I also believe it is unfair for me to be subjected to possibly significant financial consequences and hardship due to Citi 's error.
Hired a retired XXXX and Attorney that determined mortgage fraud took place. Hired a hand writing expert that determine Corporate Assignment of Deed of Trust was done fraudulently, so forfieted notary bond to XXXX and no longer is notary. XXXX determined for last XXXX years XXXX of XXXX has been practicing law from the bench an high misdameanor. Also not XXXX form or Judiciary Bond on file as required. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX BANK, XXXX, AND XXXX., AND XXXX BANK, FSB, AND XXXX WERE all put into a government conservator-ship. This process was set up from the Builder XXXX. and XXXX Using XXXX Mortgage, INC. ( XXXX ). and XXXX MORTGAGE, INC. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/2004 has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then XXXX year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from HEDMANS. 
We should be able to file a claim against XXXX XXXX, XXXX, and Corporate officers XXXX, XXXX, AND XXXX, XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim. 
XXXX XXXX XXXX, TX XXXX
Seterus will not send me copies of my statement from the month of XXXX 2015 thru XXXX 2015. Their excuse is that I was automatically enrolled ( without consent or notification ) in a program which called for me to use coupons ( which I never received ) to make my mortgage loan payments. I was told on XXXX XXXX, 2015 the statements from XXXX thru XXXX 2015 would be mailed to my address. It was also my understanding that I would have access to the statement online. XXXX 2015 thru XXXX 2015 are available online. XXXX thru XXXX 2015 are not available online.
On XX/XX/2018, I was alerted by XXXX that CHASE CARD obtained a copy of my XXXX Credit Report. This was not unauthorized by me and I have disputed this with Chase before this incident.
yes i applied for a short term loan and put down my pay dates and the company with drew money out of my account that maid me go in the negative i put down that i got paid every XXXX day of the month but the company put down the XXXX week of the month had a fee of {$33.00} and tried to get the bank to dimiss it XXXX XXXX told me that i authorzed it and they could not help me
On XX/XX/2018 Your Transunion received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX # XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, 11.XXXX XXXX XXXX  # XXXX . Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.
My ex- husband of 8 years received a call from XXXX last night XX/XX/2018 from a XXXX in regards to a urgent business matter. The voice message that was left on HIS phone he sent our daughter ( as we do not speak ) stated they left me 31 messages and time is running out to help me. That he needs to call ext XXXX on my behalf to make a decision for me by XXXX last night or they were going to take the case to next level. I have received numerous phone calls and some messages, but the numbers always change and messages are rarely left. I am unsure who they are or what they are calling for, but I do not appreciate them calling and leaving messages to my ex husband if it is truly about my financial matters!
I tried to access the free credit report through the FTC site XXXX and was unable to access. I decided to pay for it and I was charged {$12.00} for a Equifax report and was unable to access it. This is a ripoff with the FTC promoting it.
Hi, I originally spoke with a manager XXXX XXXX at AD Astra Recovery Services and made an arrangement to pay off my debt ( XXXX ) in exchange for them removing the debt. So I paid off the debt {$310.00}, but they are refusing to remove them from credit reports. When I paid the debt I sent a letter ( below ) with a cashier check and in the memo line of the check I wrote ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ). They cashed the cashier check on XXXX/XXXX/15. But again they will not remove it, they say I did n't pay it in time. 

( This is a copy of the letter I sent Ad Astra Recovery Services minus my name, account number and address ) XXXXAD ASTRA Recovery ServicesXXXX XXXX XXXX XXXX XXXX XXXX . XXXX, KS XXXXAc XXXX To whom it may concern, ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ) To whom it may concern, As per my conversation with your customer service representative, I am following through with my pledge to settle this debt in exchange for its removal from my credit report. Henceforth, I am attaching a check for $ XXXXto pay off the referenced account under the condition that the account will be removed in entirety from all the credit bureaus your company has reported this account to. 

If the implied conditions to delete or not verify are not acceptable to you, please kindly return my check. In the event that you cash this check and not remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office and proceed with filing suit. 

Truly, XXXX
Chex systems is showing the wrong dates for XXXX  XXXX XXXX, it has already been over 5 years and should have been removed from my Chex system file. This erroneous information is not allowing me to open a savings account at my institution of choice. Thanks.
I am submitting this complaint to an unknown collection agency that continues to contact me at my employment and refuses to give information about this supposed debt I owe them. The contact person that continues to harass me is XXXX XXXX XXXX. XXXX XXXX has also went as far as providing this so called debt information to my co-workers in a harassing manner. This is not only wrong but humiliating. I believe that as a tax payer I have the right to file a complaint. If someone can assist me, I will definitely appreciate it.
I was a victim of identity theft XXXX 2017. Since then I have twice faxed information to Equifax in order to place an extended fraud alert on my report.
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Neither time have I heard back from Equifax.
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I am attaching the documentation that I have faxed twice to Equifax.
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Thank you.
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XXXX XXXX
The credit bureau did not respond within 30days. They also reported the accounts was updated and did not provide verification.
When I was out of town a woman stole XXXX checks of mine, filled them out and used them as payment for her bills. As soon as I found out I reported the theft to Bank of America. Bank of America is refusing to return the funds totaling {$530.00}. It was obvious to the Bank Manager whom I brought the theft to my attention ; that it was clearly not my handwriting nor my signature. In fact he pulled my signature card to verify. 

Please assist me in recovering my monies. 

Attached are the forged checks ( front/back ). Also there is a copy of a legitimate check, which I wrote and signed ( {$1500.00} ) so that you see the differences.
I keep getting calls, including XXXX this Saturday morning, XXXX/XXXX/2015, at XXXX., from ( XXXX ) XXXX, a company called Naviant (? ). I have the same first name, but a different last name, different address, and different date of birth. I have never borrowed from the company and, even so, I am not behind on any payments to anyone. I have told them all of this, and they still keep calling. In any event, I thought they could not call before XXXX I want them to stop calling me -- I am not the right person!.
I dont think its fair for this to show up on my credit report when they get a grant for me attending