WillisBack/dataset-financial-user-claim huggingface dataset:
I have two accounts with Wells Fargo, a checking and savings account. Wells Fargo has a program that is supposed to help you save money called Save as You Go. They take random amounts of money every time you spend from checking account and automatically move it to your savings account. It has never been explicitly communicated how they determine how much will be transferred to your savings account. In earlier days, it was typically a dollar now it varies. On XXXX XXXX, XXXX, an overdraft protection was applied which resulted in {$25.00} being pulled as a cash advance from my credit card. My credit card is linked as overdraft for my checking account. The overdraft protection was for a deficit of just a few dollars. This few dollars deficit is because Wells Fargo pulled a random amount to move to Save as You Go which actually goes from my checking account to my savings account. The actual transaction I made had enough in my account to cover it. The next morning on XXXX XXXX, XXXX less than XXXX hours later I transferrred {$2000.00} from my savings account to my checking account. I called Wells Fargo to find out how I can pay back the unnecessary overdraft protection to my credit card since cash advances are at a much higher interest rate. I was told that there is no way to specifically pay off a cash advance. That IF you pay more than the minimum in a given month, TYPICALLY the excess money will go toward your cash advance. I said well this is a result of a shell game that Wells Fargo decided how much additional money they were going to shift from my checking to savings account under this Save as You Go which is supposed to help you save money. Now, you are adding the ability for Wells Fargo to continue to make additional interest for YEARS on a high balance credit card without giving me the consumer the ability to tackle that specific charge. I did deactivate the Save As You Go feature. I 'm also asking that this overdraft protection be reversed. The deficit is my own deficit because it is because it was n't enough to move the amount Wells Fargo wanted to shift. This has NOTHING to do with a retailer or external charges. This is ALL my money where Wells Fargo is taking money out of my left pocket to put in my right pocket and forcing me to pay higher interest for a cash advance. This is very unethical since there is no process to payoff cash advance directly especially because it was used by XXXX XXXX to pay me!
My father who is XXXX went online to renew his XXXX XXXX. He unfortunately came across a predatory site that was supposed to help him but instead just charged him {$170.00} to do what the government USCIS site already does. He called both the service provider and Bank of America - the provider of the credit card that he used - as soon as he realized that something was amiss. While the site promised a refund, he was only offered a partial refund. He then contacted Bank of America to dispute the charge. 

Bank of America has just notified us 4 months after the initial call that the dispute has been denied and that we have no recourse because we willingly provided the unscrupulous vendor credit card information. This is a business that has 150 complaints against it and rated an " F '' and Bank of America is actually abetting this predatory company. We might have to pay this money but never again will any member of this family do any business with Bank of America. 

They do not deserve your business.
I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several thousand people. I am attaching a copy of a letter from XXXX Bank which outlines the date breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following addresses do not belong to me. I have never lived at the following addresses and in some instances the addresses are not even a real United States home address. In other instances they are addresses in states I never lived in. Chex Systems has refused to honor my request to remove these fraudulent addresses from my credit file. The addressed listed make me much more vunerable to identity theft and they lower my Chex Systems credit score. The addresses I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Many of these addresses I have XXXX and found belong to apartment complexes. Some have different apartment numbers at the same complex. That should be an obvious sign that this is fraud is not me that has done this. Also Chex Systems currently has several versions of my current address which in some cases list my apartment number and in some cases does not. This also makes me more vulnerable to identity theft as mail could be sent to the general apartment complex building and not to my specific apartment. I am also requesting that all versions of my current address be updated to reflect the correct address which is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX
I opened a mortgage through XXXX Mortgage XXXX as part of my home purchase in XX/XX/2016. I submitted XXXX months of payments to XXXX Mortgage and was notified that my loan had been sold to Wells Fargo. Both payments were sent via certified mail and XXXX confirmed via e-mail that they had received and forwarded the payments to Wells Fargo. 

The XXXX payments were for bills due on XX/XX/2016 and XX/XX/2016. The XXXX payment included XXXX checks ( XXXX personal, XXXX from my credit card company rewards department ) within the same envelope and was credited correctly. The XXXX XXXX payment included XXXX checks within the same envelope and was not credited correctly. The first XX/XX/XXXX payment check was in the amount of {$2200.00} from my personal account ; the second XX/XX/XXXX payment check was in the amount of {$200.00} from my credit card company rewards department. The XX/XX/XXXX payment only credited {$2200.00}, not the full payment amount. 

I have been working with Wells Fargo since XX/XX/2016 to resolve the XX/XX/XXXX payment issue. I have received some assistance from XXXX XXXX XXXX XXXX x XXXX ) at Wells Fargo. XXXX and I contacted my credit card company to request a copy of the rewards checks and we agreed to cancel the missing {$200.00} check if it had not been deposited. XXXX found that the missing {$200.00} had not been deposited and cancelled the check. On XX/XX/XXXX, after the {$200.00} check had been cancelled, a {$200.00} credit was applied to my Wells Fargo account. 

On XX/XX/2016 ( for XX/XX/XXXX ), I went to the Wells Fargo branch to pay my XX/XX/XXXX payment. I used XXXX checks again ( XXXX from my credit card company rewards department, and XXXX personal ). Wells Fargo accepted the checks and provided a receipt for the payment. Initially, the payment credited properly ; however, Wells Fargo reversed the {$200.00} payment for the cancelled check AND reversed my XX/XX/2016 ( for XX/XX/XXXX ) payment as well. 

I have never made a late payment on any loan, credit card, or anything on my credit -- ever. I am now trying to refinance the mortgage from Wells Fargo due to the poor service, but I fear that I will be blocked due to this accounting issue at Wells Fargo. I confirmed that third-party checks were accepted by Wells Fargo and XXXX. With a previous Wells Fargo mortgage I used the credit card rewards payment checks without issues. I am unsure what to do at this time, but I would like my payments to be properly credited.
Hi, I am writing a complaint on US Bank Mortgage. I am a XXXX. I have been working with my client since last XXXX 2016 to sell her house. We have a contract. It has turn into a short sale. The bank, US Bank has been dragging there heels. Give us the run around no action of getting a answer whether not the offer has been accepted. Today, XXXX I spoke with relationship manager handling my client 's case and still no new updates whether or not the offer contract on file has been accepted. This is causing unnecessary delays. We have tried to delay the auction foreclosure process. I got a contract on this house and no response from the bank US Bank and no action. Just constant unnecssary delays. Please feel free to contact me where I can discuss further details.
During my bankruptcy, I try to modify my loan. Ocwen agreed to do so. I did my trail payments successfully and then signed the agreement letter. During this time suddenly Ocwen refuse to do the modification. on XX/XX/2015 they sent me a letter saying that Bankruptcy court denied approving the modification. Since that time Ocwen did not provide me the letter from Bankruptcy court saying about this denial. I would like to have that letter. Ocwen also did not maintain the interest rate they suppose to charge me. 
I have an email which I sent to Ocwen in some detail, I am going to send to you for your kind information and consideration. Please help me. 

thanks
HSBC this account was closed back in 2008 and it still appears on my credit report, I 'd like to have it removed since it is well past the SOL.
Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me Barclays Bank Delaware XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware. 
Thank you
Walmart/Synchrony Bank on XX/XX/2015Did not follow the XXXX, SCRA when asked for it and submitted military documents supporting the benefits. When I spoke to the representative about the issue he said " We have the documents but that since I was a XXXX that I knew at one point I would get called up and that made me ineligible to receive the SCRA. '' XXXX. Since those benefits were n't given I was unable to make proper payments and even give the minimum. I worked out payments as much as I could at the time for time. Since the interest rate was so high I was just unable to make the payments. Soldiers regardless of status, going from XXXX to XXXX when being called to do so is not a fault of the soldier.
To whom it may concern I written a complaint in the past in regards to Navient Case number : XXXX. I reached out to them again to see why my payments for the last 2 years have only been going to interest. Someone finally explained. I had interest i owed that i had no way of knowing about for XXXX. However Navient billed every month for the same amount. I was unaware of any unpaid or overdue interest i had to pay on top of my payment. I asked them how was i supposed to know this as i would have taken care of it. They told me that it was on my statement the send to my email. However they do not send statements to my email just payment notification of my upcoming payments that is due. On the email it tells me to login and view my statement. The instruction listed on the email does not apply to the site. I can not still find where you can view your actual statement. The gentlemen on the phone i talk to XX/XX/2017 XXXX states that the statement is attached to the email, which is not true as it give you instructions on how to get your statement, but that also is not true. I been paying interest to this company for the past 2 years. I was wondering why my balances was not going down. American Greed is real and this is sad, that people take advantage of you when you just trying to better your situation. The american dream feels like XXXX, the cost of freedom is high.
On XXXX XXXX, 2016, we XXXX my mother at XXXX XXXX XXXX/XXXX XXXX XXXX in XXXX XXXX, VA. I paid the bill in full. Then 15 months later, I began receiving telephone calls and bills from FMS, Inc. of XXXX, OK. They claimed that I owe XXXX XXXX XXXX {$3400.00}. I have spoken to the XXXX billing office on four occasions ; each time I was assured that my bill is paid in full and that they have no knowledge either of FMS or of how that company would have information about my business transactions with XXXX XXXX XXXX. I also have spoken with representatives of FMS on two occasions to tell them that their claim is erroneous. I received the most recent bill about 10 days after speaking with them.
Fraud/Scam. 

An amount of {$39.00} was applied to my account each month to assist in relieving my student loan debt.
In XXXX, I ordered a size XXXX vest from XXXX XXXX online. Couple days later, after I received the item, I found out that it was too small so I returned to XXXX XXXX XXXX. The Sales Associates checked carefully upon returning and issued me a credit refund of {$540.00}. 

One month later, I found out that XXXX XXXX charged my credit card the same amount again without my authorization. Therefore, I called them to inquire the reason. The Sales Representative over the phone told me the vest is missing a label. Thus, they have to send the item back to me and charge me again. 

Upon receiving the item from them a week later, I checked carefully and notice all the label was intact, including the tiny size label hidden inside of the vest. I called them again to ask them explain explicitly what " label '' they were referring to. I was told it was the incorrect size label they received. I asked for a detailed explanation. They told me they would contact me once they confirmed with the warehouse department. Ten days later, there was still no reply from them at all. 

Hence, I took the item to the XXXX XXXX XXXX and had the Sales Associate to confirm the size for me. She acknowledged the size I am having is Size XXXX not Size XXXX. I asked her if she could help me resolve this problem, she explained, because XXXX XXXX store and online are totally different enteritis, so I have to contact XXXX XXXX online for returning process. 

Please check the picture I uploaded earlier, it clearly shows the vest I have received from them is size XXXX not Size XXXX. I have no clue why they kept saying it is size XXXX. Again, I tried to contact them but no one seems to care to help me out. 

What XXXX XXXX online did to me is absolutely absurd. Just because they retain my credit card information in their system does n't mean they can recharge me at anytime without my prior consent. 

I contacted the American Express Credit Card to open a dispute but they did not in favor me but did not explain why I have to be charged at the second purchase that I did not authorize. 

I tried to cancel an American Express XXXX XXXX earning card after a fraudulent charge appeared on my account but no one takes action to protect my interest. They told me that I have to wait until next year in XXXX to cancel my account otherwise they will forfeit my cash back earning. Given that it 's only XXXX now and I do not want to wait additional 7 months to cancel it. This is a very unfair business practice for customers who have been doing business with them since 2007.
Experian failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Merchants and Medical reporting erroneous accounts to XXXX credit bureaus that have not been verified
Data Breach at Equifax. Flawed and haphazard financial system where the " plumbing '' consists of multiple for profit and lightly regulated companies opportunities acquiring our data only to handle it irresponsibly while daily selling elements of it to the highest bidder. We receive no compensation in return, but essentially, our private data is the " product '' these outfits monetize o a daily basis and it adds up to billions of dollars a year in revenue for them.
First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that Transunion about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.
Best Buy Credit Card ( hereinafter referred to as " company '' ), offered through CitiGroup, assessed a non-disclosed " debt protection fee '' on credit card by a third party vendor. Requested documents pertaining to this service and refund for fees inappropriately assessed in XXXX XX/XX/XXXX and XX/XX/XXXX. Company stated that they were unable to cancel the service and that I would have to contact the third party myself. Informed the company of my intent to cancel the card. Company responded that they would cancel the debt protection service and proceeded to terminate the card. Company failed to provide copies of privacy notices and documents pertaining to the card per my initial request.
In reference to an outstanding complaint, Chase called me at work and stated that in order to share information with the 3rd party given as an authorized contact for the complaint, they would need to send paperwork to me and I would have to send it back. I suggested do not delay their response and instead respond only to me. They filed a misleading response that they could not verify authorization. 
The company can not respond because of an unauthorized third party. 

XX/XX/2018 **Hello, Thank you again for your complaint XXXX about JPMORGAN CHASE & CO.XXXX 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. ** Not only did I verify the authorized party over the phone, but my electronically signed complaint form that CFPB provided contained the authorization they claim they do not have. Chase has provided no recourse, and is using this duplicitous argument to delay responding to my complaint. I have received no request for further authorization in writing, and so can not provide proof of the conversation.
I had a membership at XXXX XXXX in XXXX XXXX XXXX. After an initiation fee I had a monthly payment of around {$10.00} per month. I left XXXX  in XXXX and returned to my home in XXXX. I let the club know that I was leaving and I paid auto payments by credit card for XXXX and XXXX even though I was no longer in XXXX  and no longer using the fitness facility as I left XXXX  near the end of XXXX. The credit card I was using became lost and I canceled it. I began to get calls from XXXX financial sometime last fall wanting me to pay {$150.00}. They also refer to themselves as XXXX XXXX XXXX, XXXX. 

I believe not only that I shouldn't have to pay, but that I should get a refund for the months they collected payments for after I left the state. I really don't want to try to collect {$20.00} from them, but I strongly object to paying {$150.00} for services I didn't use.
A 90 days late payment from XXXX XXXX XXXX XXXX has been posted to my credit report from Experian.  XXXX insisted that they did not provide Experian with any late payment and such information is incorrect.Several calls and letters written to Experian have not been returned, and no resolution to this issue has been reached.Experian needs to remove the 3 months (90 days) late payment from XXXX XXXX on my credit report
Greetings, After an escrow analysis OCWEN indicated that if our loan was contractually current, they would refund {$4300.00} in escrow overage. We spoke with their Ombudsman XX/XX/XXXX ( around XX/XX/XXXX ) and they indicated that we need to be current as of XX/XX/XXXX so we agreed to pay XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX and they agreed that should be fine and they would send us the overage. The person stated that it takes a few days for their system to apply the XXXX payment we made on XXXX/XXXX/15 so as of XX/XX/XXXX we were still technically late since we did not make the XX/XX/XXXX payment on XXXX/XXXX/15. This was fine by us and we planned to make XXXX payments of XXXX for XXXX and XXXX on XXXX. We noticed today ( XX/XX/2015 ) that their web site indicated that we are not longer current on our mortgage due to some payment reversals that Ocwen made on XX/XX/2015. They now say we owe for XXXX 2015 in the amount of {$1100.00}. We assume that we then will also owe for XXXX and XXXX 2015 as well. We spoke to their Ombudsman today and they indicated that they are not sure what has happened and agreed to contact their bankruptcy department ( we are in chapter XXXX ) and for us to call back in 7-10 business days. My wife contacted them regarding a similar issue a few months ago and her call was never returned which prompted my most recent complaint before this one to get answers and to get the escrow analysis we requested XXXX months ago. We finally did receive the escrow analysis which indicated that we need to pay the " contractual '' amount of {$2200.00} as opposed to the post petition amount of {$1900.00}. At this point we are not sure what payment to make and do not understand the payment reversals. If we wait 7-10 business days we will be really close to XX/XX/XXXX and the next payment will be due. Should we pay what is reflected on the web site for XXXX 2015 ( {$1100.00} ) or the contractual amount of {$2200.00} or the post petition amount of $ {$1900.00}? It seems to take a while for them to respond to we decided its best to at least file a complaint with you. We are not attempting to be difficult. We just want to know what payment to make and if the escrow analysis they provided is still accurate. Our chapter XXXX was scheduled to be done by XX/XX/XXXX but we are still making the last few payments and we have not been formally discharged. We suspect that their system automatically did these payment reversals assuming we were out of the chapter XXXX. We have no proof of that, just a coincidence that this happened in XX/XX/XXXX. Please help us understand what is happening with our mortgage. Thank you for your help as always.
Equifax had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.