WillisBack/dataset-financial-user-claim huggingface dataset:
I notified Wells Fargo of transactions I did n't recongnize via their online messaging system. I listed mainly larger transactions, scrolling past minute charges such as fast food places. My account is shared with my wife and I did n't know how to tell what charge is from what card. So I simply did not include them in the message. The representative who received the message then opened a claim with these transactions. 

At some point prior to these charges occurring I misplaced my check card. I do n't know when and this is what I told Wells Fargo when I called them inquiring about my claim. The call was supposed to be recorded however everyone I speak to says that this is irrelevant because a decision has already been made. The representative that I spoke to for the 1st time regarding the claim did not notate the account that I stated I did not know when the card was lost. This is why I wanted them to pull the audio recording. 

I received a letter in the mail that the claim was denied and the provisional credit of {$1500.00} would be withdrawn from the account on XX/XX/2017. I contacted them as soon as I saw the letter. I stayed on the phone for 1/2 an hour with the first representative before she conveniently could no longer hear me ( she was perfectly clear ) and proceeded to hang up on me. She did not attempt to contact me although they ask for a valid phone number at the beginning of the call in case of disconnection. 

The gist of the call was that they denied my claim for a variety of reasons. Someone had logged into my account several times while the charges were occurring but the claim was not made right away, not all transactions were disputed, there was no balance inquiry, a transaction had been verified. I calmly explained gave my reasoning for this. 

My father was diagnosed with XXXX XXXX and I also became my mother 's XXXX XXXX XXXX XXXX. I am a mother of XXXX XXXX as well. My mental state during this time has been all over the place. I logged into my account to view the balance before making bill payments. That is all I did. When I made submitted the online message to wells fargo I left out transactions to places like XXXX, XXXX, ect. They were relatively small charges that did n't stick out to me and I did n't know if it was a charge on my card or my wife 's. They should have been included. There was a transaction regarding travel that I did n't recognize. I had stayed in a hotel but the name listed on the transaction was n't even remotely similar. I did n't recognize it so I submitted it in the claim. According to wells fargo, they would automatically deny the claim because of this. 

They are unwilling to assist me in any way regarding this claim. They say that it can not be reopened. I did not make the charges and should not be held responsible.
I have been lied to, strung along, and games by CitiMortgage 3 months ago for XXXX in 2012 XXXX after paying 12 yrs at 5 % ... no help,,, CALL LINE SAYS " IF YOU ARE GOING TO BE LATE '' NEED HELP '' WANT MOD. FOR HARDSHIP AND ASSUMPTION FROM DEAD EXWIFE WHO HAD FIRST IN HER NAME I QUALIFY WITH HIGH CREDIT, HOME VALUE, NEVER LATE BUT NOW XXXX AND THEY LIE, LIE AND POSPONE AND STEAL ... where XXXX is the government??? XXXX ..iM STARTING A CRIME SPREE IF YOU SAY THIS IS LEAGAL ... XXXX YOU DO NOTHING AND THEY DO WHAT THEY WANT TO HURT PEOPLE, I 'LL be famous to Help all people you did nothing for and got a paycheck and Citibank for stealing, lying, and 4 months dragging and excuse and excuse that prevents my XXXX after 12 yrs 5 % I deserve some help that not even going rate and live alone XXXX with XXXX and let them rob me 12 yrs and counting ... FBI and world will hear my story and CFPB is a joke to allow banks to kill people XXXX last reach out for help and gloves are off.
I have no knowledge of said debt and request that it be removed immediately as it was reporting to all XXXX credit bureaus and negatively affecting me.
I do n't understand why I am still paying for a student loan when the school closed. I was told if I did not continue they would garnish my payroll check or take my taxes. My loan is through Navient Department of Education Loan Servicing. I already have other student loans I am paying back but would like for them to take off the one from XXXX. I hear they have changed their name to XXXX. I was enrolled in XX/XX/2009.
First Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I had taken out an installment loan and not a payday loan with a company online called XXXX XXXX XXXX. On XX/XX/2018 I borrowed {$2400.00} to be paid back in instalment payment with interest. Once I received the loan the company never gave me a detailed amount for the 12 month period. So, when I received the installment bill it was more than my mortgage amount. I lived on a fixed income once a month because I am a XXXX  and XXXX XXXX veteran. When I made my first payment in XX/XX/2018 I made a {$400.00} payment. In XX/XX/2018 I made {$150.00} payment towards the {$2400.00}. I was in the hospital in the month of XX/XX/XXXX because I had XXXX, therefore, I didn't make a payment in XX/XX/2018. So, I went to make a {$150.00} payment on XX/XX/2018, for another {$150.00} I saw the billing statement and it went from the {$2400.00} to {$4800.00}. If had an idea that the company was charging their clients that type of interest I would have never would have borrowed that money. I am already in chapter XXXX for the next 3 years that I can't afford to pay back what this company is asking of me. and I think the company if ripping me off by not applying any of the money towards what I had borrowed. So, right now I need your help, please!!! By the way, I did tell the company in XX/XX/2018 that I could not pay the amount that the company was asking for each month, however, that I would continue to send in a payment each month until my loan was paid in full. I always pay my bills and I am trying to be honest with this company but they are giving me nothing but grief. So please help me.
In regards to the XXXX XXXX XXXX XXXX auto loan ( now judgement ) with a balance of {$15000.00}. I have tried and tried again to contact this company to settle the account balance. They filed a judgement against me on XX/XX/XXXX. Both myself and my mortgage representative have called to settle the account. Each time that we call, they say the person that handles the settlements is not in the office and they would have to call me back. They have never called myself nor my mortgage rep back. They are not allowing me a US Veteran the opportunity to rectify this account! My dispute with XXXX and XXXX resulted in them removing the original account from my credit. It is still with XXXX on my report. Also, XXXX XXXX a third party is now reporting the debt to my credit report as now per law the credit bureaus can not report the information to my credit report. This account alone is keeping me a US Veteran from obtaining my family a new home to live in.
XXXX XXXX at XXXX XXXX called XXXX from XXXX saying I owed more than {$14000.00} from XXXX XXXX from 2003.. He REFUSED to give any details. I have not paid any credit late in 20 years ... .plus the Statue of Limitations has passed on this FAKE account ... .He threatened me with Legal Action, garnishment, etc. I have received no written notification. I am filing a complaint with Illinois State Attorney ... ... .and all 3 Credit Bureaus. He was rude ... ....
I have paid in full the amount owed to XXXX but they report the account charged off closed also they have an limit of {$3500.00} it was never more than {$39.00} dollars I paid it and they responded by saying they got the payment but contact the person they sold it too
As far back as XX/XX/2018, and around XX/XX/2018 and sometime after, I spoke to an " XXXX '' and " XXXX '' from XXXX XXXX who told me if I paid the {$940.00} debt in full I would receive ( 1 ) a paid in full letter and ( 2 ) the two derogatory accounts would be deleted from my credit report. 
( see attachment ) of both XXXX XXXX XXXX  and XXXX XXXX XXXX  are is still reporting to the credit bureaus. This debit has been paid and I was expecting it to be removed from my credit report. I have been unable to rent an apartment and I have been turned down for several jobs.
I sent my reduced property tax bill to Roundpoint Mortgage Servicing company via email. I called them a few days later to make sure they received the information, and to learn what my new payment would be. The young man on the phone could not give me that information, but told me they would run a new analysis in XXXX. I told him that was not acceptable, so he agree to run a new XXXX by XXXX XXXX. The company did so, but used the old property tax information rather than the new XXXX. My original summer tax bill was {$4200.00}. The new XXXX is {$2300.00}. My new payment shows an increase of {$35.00} per month, using the wrong property tax information. I have contacted Roundpoint again, but not heard from them.
I have wrote  XXXX , TransUnion, and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.  XXXX  said they will removed but still fail to do so.   XXXX   and transuion said they verified but the court said they did n't verified threw them. This item is not mines
I had a Citicards account which I closed in XX/XX/XXXX, with a balance of {$10000.00}. Citicards has continued to add as much as $ XXXX monthly interest to this amount so that now the bill is {$19000.00}. I have called them to try to negotiate this amount but I can not get anyone to call me back as they have a dysfunctional customer service dept. They charged this off in XX/XX/XXXX without a contract, or sending statements required by The Truth and Lending Act. There is one month where they charged {$700.00} interest arbitrarily. I have disputed this on my credit reports but they will not remove this item as I believe Citicards is so difficult to work with. My credit card limit ws {$13000.00} so their interest exceeds the credit limit having a further impact financially.
XXXX breach has cause my XXXX and transunion to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on my credit report
On XX/XX/XXXX I attempted to make a purchase online with my card my balance available is XXXX the company will not process the payment for reasons unknown this is not the first problem encounter XXXX with Netspend my card was cancelled without my permission playing my direct deposit if my income taxes for a month The card was sent to the wrong address so I had to wait for another card from Netspend I paid XXXX XXXX and the money deducted from my card but XXXX XXXX never got the payment
Me and my wife were living at XXXX XXXX XXXX  for almost a year starting around XX/XX/2015. In that time we never missed a payment nor was late on a payment. By XX/XX/XXXX we had received no notice of a change in rent but I did know the lease was coming up soon so I went to talk to leasing office about resigning the lease for another year. I was then told by leasing office our rent was going up over XXXX dollars due starting next month with no type of notice at all. The rent was too much for us so I put in a written notice saying we will have to move out next month. After we moved I was called by apartment saying we owed money which wasn't true because we paid that last month we were there. We even went back to the apartment and tried to explain but they said they would not remove it and the balance had to be paid. Months passed and i see a debt collection from the apartment for XXXX   dollars. When I tried to dispute it with XXXX they did not remove it. In conclusion we were not given notice of our Rent changing so drastically and a written notice was given so we should not have had a debt at all.
Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX, XXXX XXXX XXXX, XXXX XXXX
I took out a {$10000.00} XXXX loan to aid in XXXX interview travel in XX/XX/XXXX with a payment term of 240 months. I fell behind in repayment in the mid to late residency and fellowship training. Upon completion of XXXX XXXX XXXX and entry in into the medical work- force, this loan was paid in earnest completing repayment in full XX/XX/XXXX well under half of the loan original repayment term. This loan was repaid through the same servicer, Navient, as my XXXX other federal loans. It was repaid first. I noticed that as I repaid each of the other loans their status on the website changed to " paid in full '' from " in repayment. '' The aforementioned XXXX did not make this change. It continues to be listed as in repayment. I have discussed the the customer service representatives from Navient in an effort to determine why this loan was listed as in repayment, furthermore, I have noticed that this loan has been listed in my credit reports as closed as a write off in excess of {$12000.00} dollars whereas all other loans that were subsequently paid in full are listed as closed and paid in full. This is negatively impacting my credit. 

I have contacted the customer service at Navient on multiple occasions each time with the same outcome, the Customer serice representative s ( CSRs ) of Navient for the division that works with the website and federal loans explain that they have no role in private loans and the CSRs in the private loan division state that they have no control over the way the loan is listed on Navient 's website. On my second attempt to discuss the website listing the loan as 'in repayment, ' the CSR reported to me that both of here supervisors refused to speak to me when I appealed for there assistance with this issue that had proven too complex for the CSRs and then the line suddenly became disconnected. 

As the issue issue above appears on my credit report as a derogatory mark, I have requested the CSRs from Navient 's private loan division to send a letter documenting what they reported to me the found on the phone -- that the loan repayment was complete and paid in full. When I received the letter it was dated XXXX/XXXX/XXXX and it stated, " On XXXX XXXX, XXXX, we received the final payment of {$1.00} for the private student loan referenced above. Once the funds clear, we 'll consider the loan to be paid in full and will notify the consumer reporting agencies of the updated status. '' Thus, after 18 months this {$1.00} payment remains pending clearance and despite the assertions by Navient CSRs the the loan is repaid in full their websites, official communications and reports the the credit bureaus are not reflecting this. I do not understand how this {$1.00} payment has remained uncleared and in limbo fo this long and am requesting assistance as this error has impacted me financially in a negative fashion and I have been unable to get it addressed via Navients Customer service system.
On XXXX XXXX, 2015, I received a collection letter from BCA Financial Services , Inc., XXXX, XXXX, demanding payment for a debt for their client, XXXX XXXX XXXX, XXXX XXXX, XXXX. I immediately responded to this collection agency in written form telling them that I have been disputing this matter with their client for almost a year, with valid medical reasons for said dispute, as well as instructing them to cease all further contact with me. On XXXX XXXX, I received a second letter from them again demanding payment for the same client. I have, for the second time, sent them a letter informing them that I will now report their agency to your agency and both state attorney generals ' offices in XXXX and XXXX. In this second letter I reminded them that they were previously instructed to cease any further communication, yet they chose to ignore my request. This is why I am filing this complaint against BCA Financial Services , Inc..
XXXX XXXX XXXX XXXX. I have been a customer for 20 years. On XXXX XXXX, 2017 I opened a credit card account at my branch in XXXX XXXX California and requested a balance payoff for another credit card at another bank. The requested amount was {$7000.00}. This was to take advantage of their 12 month 0 % offer which I received in the mail. I was approved on the spot and the payoff amount was submitted by the banker. On XXXX XXXX, 2017 I received a call from XXXX XXXX 's fraud department saying that they had received the original request which was pending but shortly thereafter received another request for {$5400.00}. to be applied to the same payoff recipient. I told them that was wrong and not to pay that amount but the {$7000.00} was approved. Concerned I closed the account and went to my branch on XX/XX/XXXX and spoke to the banker who made a call to inquire without result. Counter to my request the bank went ahead and paid {$5400.00} towards the other bank account but not the {$7000.00} per my conversation. They are now saying they ca n't get the money back from the other bank and are charging me {$160.00}. transfer fee even though they paid an amount I never authorized and gave them notice not to send. Paying that amount does me no good at all. I do n't want to pay the fee and would like to know why they sent the lesser amount when I told them it was unauthorized. I have tried several times to get results and have spoken with my banker and several supervisors but they have not responded or reversed the fee. Please help me. Thank you.
I have an account reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.
Information and documents were provided to XXXX in efforts to remove negative information being reported by XXXX, however XXXX has not removed the negative information.
All correspondence and attempts to collect this alleged medical debt from : Stoneleigh Recovery AssociatesXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Timeline : Stoneleigh Recovery Associates ( SRA ) XX/XX/XXXX : Two ( 2 ) notices looking for payment of {$60.00} each ( total {$120.00} ) two separate account numbers and two separate SRA file numbers. One notice had my address written incorrectly. 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA mailed notice to me they had received my request for verification and were awaiting information from their customer. Letter also stated there would be no attempt to collect on this account during this time. 
XX/XX/XXXX : SRA mailed partial verification of debt ( four pages including cover letter, page one : cover letter, page two : notice of physical address of Massachusetts office, page 3 : copy of a XXXX XXXX from a doctors office, page 4 : explanation of patient notes, with no name or account number on it. 
XX/XX/XXXX : SRA mailed one notice looking for payment of {$60.00}. Address incorrect, different account numbers and file numbers from previous year ( see above ). 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA send me notice they received my request for verification of debt. Included in letter is the statement : During this time SRA will not attempt to collect on the account. 
XX/XX/XXXX : SRA mailed me four ( 4 ) notices of debt, ( all different account and file numbers, address incorrect ). These notices were looking to settle these four new accounts for less than their alleged original debts. 
XX/XX/XXXX : I sent, by registered mail correspondence to SRA which included a copy of the notice that said they would not be attempting any collections until previous debts were verified ( which I never received ) and requesting verification of the 4 new alleged debts.

On your site I noticed that SRA has engaged in activity similar to the one described by me above. I put in my correspondence I would be filing a complaint with this agency and the Massachusetts Attorney General. I may also seek private counsel to pursue monetary compensation for these violations.
Hello, I do not know who Navient is and had no information that XXXX XXXX had sold it to Navient before my paycheck started getting garnished by a company called XXXX with whom sent me nothing in writing, just calls from an unknown number and no messages left. Thank you. XXXX XXXX
Improper reporting of a XXXX XXXX XXXX account and the sum owed fo an account which I never opened. Challenged this information and also requested proof of service since I do not have the authority to put any service at this residence. 

Also whereas the account held by the XXXX XXXX is concerned I applied and receiveda Forbearance on my account. Therefore the reporting as late payments is incorrect.. Looking forward to an amicable settlement, XXXX XXXX
National Check burea been adding interest on a credit card debt since 2001 I never had a credit card with national Check burea they cant proof I owe any money to any one
Found and add online for a Prepaid Credit card to assist in building credit. I prepaid XXXX $ to get the card. A week later I received it in the mail. Company name Is XXXX XXXX, and the card is a XXXX XXXX. Soon after I activated my card via the number provided. Ever since, I have attempted near 10 different locations to use the card, and all have been declined. Iv been charged a fee every month for not using the card, and after excessive amounts of attempts to contact personnel, I have gotten no where. All phone numbers provided go to a recorded voice with no voicemail options, Online login is a no go, and my credit is only dropping. I am unsure how to escape this nightmare, and also have noticed the company has horrible reviews online and probably scams many people.
Hello. 

I purchased my home about 2 and a half years ago and financed it with XXXX XXXX XXXX ( XXXX ). Recently I received a letter telling me the loan was sold to TIAA bank. 

TIAA Bank recently sent me a letter telling me my monthly payment is about to go up over {$150.00} a month. It has very little to do with increase in insurance and taxes premium, but it has to do mostly with a policy the have which apparently requires an additional 2 months cushion of the mortgage payment. 
I have discussed this with them several times and I just keep getting a " that's our policy '' from them. However I have expressed to them several times that I understand TIAA bank purchased the loan since I know this happens in the mortgage world, however they need to honor the terms and conditions of the original loan and those terms and conditions were not there. 
I did not sign the agreement with TIAA bank, but with XXXX. I don't think they can legally add additional terms and conditions to an existing loan. If they purchased the loan, they should have purchased the loan as it was. 

I have also requested a deep escrow analysis since there seems to be funds missing from the escrow account. Please help me resolve this issue. 

I'm a government employee currently in furlough and this affects me now even more. Thank you for your time. 

Regards, XXXX XXXX